Comprehensive

Fully Comprehensive cover provides all the cover afforded by Third Party, Fire and Theft plus Accidental Damage cover. This includes damage caused to the insured vehicle maliciously and in addition gives the benefit of windscreen damage cover (subject to an excess imposed by the insurers).

Many insurers will only offer Comprehensive cover for vehicles over certain values these starting as low as £4,000.00 with some insurers.

The majority of Comprehensive policies are subject to an excess in respect of claims. This is commonly increased for performance or executive type vehicles. It is always wise to check on all policy excesses to avoid an unpleasant surprise in the event of a claim.

Third Party

Third Party cover is the most basic cover available and require by law. It covers personal injury caused to any person or damage to their property for which you may be responsible. It gives no cover for loss or damage to your vehicle.

Third Party, Fire & Theft

Third Party, Fire and Theft cover allows for everything covered by Third Party but also includes cover for Fire and Theft cover damage.

Policy Excesses

All Motor Policies are subject to Policy Excesses. An Excess is a portion of a claim that is the responsibility of the Policy Holder.

The Excess is payable to the repairing garage when repairs are completed, or in the event of the vehicle being ‘beyond economical repair’ the excess is deducted from the settlement.

Excesses are payable regardless of fault. In the event of non-fault claims the excess can usually be recovered from the responsible parties insurers. If you have Legal Cover we would usually instruct your Legal Insurers to act upon your behave to recover this.

PLEASE NOTE that this is only a brief explanation for each of the covers available. Please read the Policy Booklet for full details in respect of each form of cover and excess that may apply.

All covers are subject to exclusions. It is necessary for you to read the policy document to be aware of the exclusions imposed by the particular insurer. We always advise you to read fully the Insurance Policy so you may understand what you are, and are not, covered for.

Things You Need To Be Aware Of.

1. Use

Own Goods – Carriage of goods in connection with your own trade of profession and for social, domestic and pleasure purposes. Excludes the carriage of goods or passengers for hire or reward.

Haulage – Carriage of goods for hire or reward and use for social, domestic and pleasure purposes. Excludes the carriage of passengers for hire or reward.

2. Occupation

You need to disclose full details of your occupation. Should you have any additional occupation, or part-time occupation, however occasional, this must be disclosed.

3. Medical Conditions

Certain disabilities or medical conditions must be notified to DVLA (Driver and Licensing Agency), as they may affect your or your named drivers’ ability to drive. A list of the conditions that must be notified to DVLA can be found at http://www.dvla.gov.uk/drivers/dmed1.htm#4 . Any condition listed here must be disclosed. If you are unsure regarding any condition please contact our office on 0871 726 1235 to discuss. You can be assured of our discretion.

4 Material Facts

These are information which would be likely to influence the insurers in their acceptance and assessment of an application for insurance cover. As it is extremely important that your insurers are aware of all material facts, if you have doubts as to whether a fact is relevant or not, you should disclose it.

If you wish to discuss anything we will be pleased to talk to you.

5 Modifications

If a vehicle has had any alterations made to its engine, suspension or bodywork or isfitted with additional equipment this is a modification. If your vehicle is not the manufacturer’s standard specifications then you need to disclose the changes.

6 Hazardous/dangerous materials

You must declare any corrosive, toxic, explosive or inflammable materials. Where carried in small quantity, i.e. single small calor gas bottle, this may be acceptable to the insurers but should be disclosed anyway.