Click to return to the Home Page
Click to Contact Us

Click for Motor Insurance
Click for Home Insurance
Click for Boat Insurance
 
 





 

Motor Insurance that's tailored to you.

There are 3 basic types of motor insurance:

  • Comprehensive

  • Third Party Fire and Theft

  • Third Party Only

 

We also have "Special Schemes" for the following:
4X4's Rally Cars

A summary of the fundamental areas of cover is below. With over 400 different policies (yes 400) this should only be used as a guide.  Precise details of any particular policy can be supplied on request, including a full copy of the policy wording if required. 

Comprehensive

Third Party Fire&Theft

Third Party Only

Policy Cover

YES

YES

YES

Legal Liability cover to third parties i.e. claims made against you by other people

YES

YES

YES

Legal Fess for solicitors who are appointed to defend you following an accident.

YES

IF BY FIRE/THEFT

NO

Damage or loss of the vehicle.

YES

NO

NO

Glass repair or glass replacement.

YES

NO

NO

Cover for Audio systems, car telephones, personal effects.

YES

YES

YES

24 Hr Accident Helplines

More Information 

That's the  "basic" cover summary.  Now you might want to consider some other factors:

 Free Courtesy Car   do you get one and is it FREE? 

 New Car for Old  if your car is less than a year old, will you get a brand new car if its written off?

Legal Protection  rapidly becoming a "must have".  Reflects the fact that most accidents these days seem to end up with a lawyer involved. 

Which factors affect my premium? 

Difficult this one. Rare for any two policies to match. Too many variables.  Age, postcode, vehicle, no claims discount, past record of any accident or conviction and occupation (amongst others).  

All influence the way a particular company rates your "risk" to them. So you have to be very careful when comparing prices - that's why you have a broker - to do it for you.

What we can say is that cheaper premiums very rarely tell the full story.

Back To Top of Page