This information is offered only
as a general guide.
For more detailed
information please contact us.
By law all persons driving on our roads must have insurance to cover damage to third party persons or property.
Types of cover available
Comprehensive:
Offers the widest cover,
includes repairs to your vehicle, personal belongings (excluding work
tools - However, these can be insured under a separate policy) and medical
expenses following an accident.
Third
Party Fire & Theft:
Covers liability to others and
covers your vehicle for theft and if it catches fire. Some insurers
allow windscreen cover at additional premium. No cover for your vehicle
if involved in an accident.
Third
Part only:
Covers liability to others only.
There is no cover for your vehicle at all.
Insurance is calculated using the following factors
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Drivers' age and driving
experience, claims, convictions Drivers' employment or occupation The type of vehicle: i.e. small van or 20 ton HGV Area where the vehicle is kept overnight What vehicle is used for |
Some policies may restrict driving by others.
The Policy details
the complete terms and conditions of your motor insurance.
No claims discount
Policyholders with a claim free record qualify for a premium discount.
This is dependent on the number of years claim free.
Taking your vehicle abroad
Although all UK motor policies provide the minimum cover required by law
in other EEU countries it is always advisable to contact us before you travel
in order we can arrange for insurers to supply a Green Card. This is an international
proof of insurance which meets local
law. Spain also requires a "bail bond"
Changing your vehicle and
or employment
This can be done at any time. Just contact us and we will be happy to make the changes,
this may result in an amendment to your
premium.
Any changes to your circumstances, (such as a change of job, conviction or
disability) or your vehicle should be reported to
us as soon as possible.
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