Personal Motor

What we offer

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  • Dedicated Claims Team at Your Service
  • Range of Cover Suitable for Your Requirements
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If you have a motor vehicle, it is mandatory by law that you have insurance to drive it in a public place. It is a criminal offence to do so without a minimum level of cover for your legal liability for any injury or loss suffered by other people (Third Parties) as a result of your driving. When arranging Private Motor Insurance you have a number of cover options, these are outlined below:

Third Party Only Cover (TPO)

  • Cover in respect of damage caused to a third party’s vehicle or property & for any injuries caused to a third party or parties
  • No cover for any damage to your vehicle
  • This is usually the cheapest cover available but is a very limited option

Third Party Fire & Theft Cover (TPFT)

Includes your liability to third parties as above with the addition of cover for
  • Liability to third parties (as above)
  • Loss or damage to your vehicle caused by fire, self-ignition, lightning or explosion
  • Loss of your vehicle by theft or damage caused by attempted theft
  • Windscreen or glass protection may also be available as an option with some insurers

Comprehensive Cover

  • Cover in respect of third party liability and any accidental damage to your own vehicle
  • Protection in the event of fire or damage caused by theft or attempted theft (see TPFT)
  • Windscreen or glass protection as standard

Motor Cover can include a range of extra benefits

  • Driving of other cars third party cover when driving someone else’s car
  • Emergency breakdown & recovery service or approver repairer service
  • Courtesy car following an accident or theft
  • Cover for loss of personal belongings from a locked boot or glove compartment

Other Options

  • Full bonus protection permits you to have a specific number or specific value of claims within a certain period without the loss of your no-claims discount
  • "Step-back" bonus protection in the event of a claim means that you will only lose part of your no-claims discount, but not all of it
  • Insured Only driving, Insured & Named drivers or Open driving options

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