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An excess is the amount you are obliged to pay to your insurance company before your claim is paid. A compulsory excess of £100 means that you will contribute this amount before receiving any compensation from the insurance company. You can decrease the insurance premium by adding a voluntary excess amount which will then be payable in the event of a claim on top of the compulsory excess.
A tracker is an electronic device which emits a signal enabling law enforcement agencies to locate the car anywhere in the UK if it has been stolen. Usually with a tracker you would need to pay a subscription for the tracking device each year.
For us to check your driving history please ‘share your licence’ by visiting www.viewdrivingrecord.service.gov.uk/driving-record/licence-number and forwarding the code provided.
Third party is the lowest level of cover, protecting you against damage that’s caused by you to others. That includes damage to other drivers and their vehicles as well as accidental damage to any property. Third party does not cover your own car – you’ll have to foot the bill for any damage yourself.
Third Party, Fire and Theft
Third party, fire and theft covers everything included in third party cover, but it will also pay to repair or replace your car if it’s stolen or damaged/destroyed by fire.
Comprehensive car insurance
Comprehensive car insurance is the widest level of coverage available, including third party and third party, fire and theft, but also covering wider damage to your own vehicle. Some policies will also cover you to drive the cars of others – and sometimes hire cars – but usually only up to third party level.
Insurers set the amount you’ll pay based on a number of factors, including your record as a driver, your personal circumstances and your car.
For example, if you’re an older driver with years of experience, living in a relatively safe area and driving a sensible car, your premium will be relatively cheap.
However, if you’re a young, inexperienced driver with a high-performance car, the cost of your cover will be much higher.
Some comprehensive policies will allow you to drive the cars of your friends and family and may also allow you to drive hire cars too – although, this is usually only up to the level of third party coverage. However, we do offer high net worth policies that provide Comprehensive cover for driving of other cars. You can also add other drivers to your policy, known as ‘named drivers’, so they’re also covered to use your car.
It is important that you have the right use for your car, if you have the wrong use you may find that your insurance company will not pay out on a claim, or charge an increase in premium to proceed with a claim.
We would like to inform our customers that following Government advice we are now working from home.
Our main priority as with all other companies is to delay the spread of the Coronavirus and the safekeeping of our staff.
A handful of staff have full access to all computer files. All phone calls have been forwarded to our staff, however the easiest method of contact would be email if possible.
We have been assured by most insurance companies who we deal with that they are fully operational from home as well.
We would ask that you allow more time than usual for any query, renewal, new policy, adjustment or claim.
We would also advise that paperwork will only be sent via email at this time.
We hope that you all remain healthy and thank you for your understanding.
Guy F Moliterno