Motor Insurance

Our most complete protection for your vehicle, covering damage to your car from accidents, theft, fire, storm, hail, flood, and malicious acts. This all-inclusive coverage ensures you’re protected against virtually any insurable event that could damage or destroy your vehicle. Comprehensive cover includes all the benefits of third-party liability protection plus full coverage for your own vehicle, regardless of who is at fault in an accident.

Essential protection against legal liability for damage your vehicle causes to other people’s property, including their vehicles. This coverage is included in comprehensive policies and also available as a standalone option (Third-Party Property Damage). It protects you against potentially expensive repair costs to other vehicles and property, which can run into tens of thousands of pounds, particularly if you damage a luxury vehicle or cause structural damage to buildings.

Flexibility to choose how your vehicle will be valued in the event of a total loss. Agreed value provides a predetermined settlement amount agreed upon when taking out the policy, giving certainty about what you’ll receive. Market value covers the current market worth of your vehicle at the time of loss, accounting for age, condition, and mileage. Agreed value typically suits unique, classic, or modified vehicles, while market value often provides lower premiums for standard vehicles.

Specialised coverage designed for luxury, high-performance, and collectable automobiles with unique insurance needs. These policies account for higher repair costs, specialised parts, and the particular driving patterns of prestige vehicles. Coverage can include agreed value, genuine parts guarantee, choice of repairer specialising in prestige marques, and higher limits for accessories and modifications common to luxury vehicles.

Replacement of your vehicle with a brand new equivalent if your car is declared a total loss within a specific period after purchase (typically 2-3 years). This valuable benefit ensures you receive a comparable new vehicle rather than just the depreciated value of your damaged car. This coverage is particularly beneficial for new vehicle owners, protecting against the significant depreciation that occurs in the early years of ownership.

Discounted premiums for vehicles driven less frequently or for shorter distances. This option recognises the reduced risk associated with vehicles that aren’t daily commuters or that travel fewer kilometres annually. By accurately reflecting your vehicle’s usage pattern, you can potentially save significantly on premiums whilst maintaining comprehensive protection for when you do drive.

Freedom to select your preferred repair shop rather than being limited to insurer-approved facilities. This option allows you to use a trusted mechanic or specialist repairer who understands your vehicle, particularly valuable for prestige, classic, or modified cars requiring specialised knowledge. Having this flexibility ensures repairs meet your expectations for quality and craftsmanship.

Provision of a replacement vehicle while yours is being repaired following an insured claim or if it’s stolen. This coverage ensures continued mobility during repairs, minimising disruption to your daily routine. Options typically include coverage for a specified daily rate, a set period (usually up to 14-21 days), or until repairs are completed, depending on your policy selection.

Specialised coverage for windscreen, window glass, and sunroof damage without affecting your no-claims bonus and often with a reduced or waived excess. This practical benefit recognises that glass damage is common and typically not the result of driver error. The extension ensures quick repairs of chips and cracks that might otherwise compromise visibility and safety without penalising your premium rating.