Personal Lines

 

Related Information;

What type of motor insurance do you require?

As it’s illegal to drive in the UK without insurance, the minimum type of cover you can take out is 'third party'. This covers:

  1. liability for injuries to other people, including passengers
  2. liability for damage to other people's property
  3. liability of passengers for accidents caused by them
  4. liability arising from the use of caravan or trailer while attached to the car

The next step up is 'third party fire and theft'. This provides the above cover plus:

  1. fire or theft of the vehicle

'Comprehensive' insurance provides cover for the above, plus:

  1. accidental damage to your car
  2. a personal accident benefit
  3. medical expenses
  4. loss of or damage to personal effects in the car

What you need before you buy

When you are shopping for motor insurance, to avoid the frustration of ringing back - or logging on - make sure you have several bits of information to hand.

  1. Car make and model
  2. Registration number
  3. Full post code
  4. Number of years of no claims discount
  5. Where the car is normally kept - street, garage, etc
  6. Details of other drivers - name, date of birth, licence type, residency in UK and occupation
  7. What the car will be used for - social domestic and pleasure or business
  8. Estimated annual mileage
  9. Type of cover - comprehensive, third party fire and theft, or third party only
  10. Full details of claims or convictions in the last three years

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For all policies of insurance individual terms, conditions, exclusions, limitations and excesses apply depending on the particular risk covered.