You must have Motor Insurance in order to drive on public highways in the UK. It protects you, your vehicles and other motorists in the event of an accident, providing financial compensation for injuries or damage. See below for 3 most common types.
THIRD PARTY MOTOR INSURANCE
This is the minimum level of insurance required by law. It ensures that you can cover the cost of compensation for injury to other people – or damage to their property – as a result of an accident caused by you. It doesn’t cover any of your costs as a result of the accident.
THIRD PARTY, FIRE & THEFT INSURANCE
This is the same policy as above, but also covers your costs if your vehicle is stolen or damaged by fire.
FULLY COMPREHENSIVE CAR INSURANCE
This includes the same protection as Third Party, Fire & Theft, but it also covers your costs if your vehicle is damaged by an accident. You also have the option to add legal expenses cover and a policy to recover uninsured losses, such as your excess. You may also have the option to arrange courtesy vehicles, where available.
If your vehicles are used within the EU, we can arrange cover to protect them overseas.
Minimise disruption to your business in the event that a vehicle won’t start or breaks down. A range of options are available, including Homestart, roadside recovery and onward transport.
If your vehicle is written off and the vehicle’s pre-accident value is assessed as being less than any outstanding finance, Gap Insurance covers the financial “gap” between your insured value and the remaining finance costs.