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To get a quote and cover to protect you, your home and your assets please get in touch with us.

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Insurance for Private Motor Cars.

Car insurance is designed to provide cover in the event of an accident. It is a legal requirement through the Road Traffic Act if you own or drive a car on the public roads.

If you drive uninsured and you are caught, the penalty is a minimum fine of £300 and six penalty points. If it goes to court, you may be given an unlimited fine and be banned from driving.

There are three broad types of car insurance:

• Third party only, which provides compensation to third parties you injure or damage the property of.
• Third party, fire and theft, which is as above plus cover in the event your vehicle catches fire or is stolen.
• Comprehensive, which is as above plus additional covers such as to pay for damage you inflict on your own vehicle.

In the event you are involved in a motor vehicle accident, depending on the type of policy you purchase, car insurance is intended to cover you for:

• Bodily injury to yourself
  
• Bodily injury to a third party (unlimited indemnity)
• Damage to your vehicle
• Damage to someone else's vehicle
• Property damage (limited indemnity)
• Fire damage
• Theft and/or theft damage