Private Motor Insurance
Types of coverage include:
- Comprehensive Insurance – covering your motor vehicle for accidental loss or damage, as well as your liability for Third Party property damage and/or personal injury caused whilst using your vehicle
- Third Party, Fire & Theft Insurance – covering your motor vehicle for loss or damage arising from fire or theft, as well as your liability for Third Party property damage and/or personal injury caused whilst using your vehicle
- Third Party Only Insurance – insuring your liability for Third Party property damage and/or personal injury caused whilst using your vehicle
Key Considerations
Motor vehicle insurance premiums and insurance terms are affected by a number of factors including:
- Type of vehicle and value
- Age, sex, and experience of the principal driver
- Area/location where the vehicle is principally driven
- Prior claims/loss experience
- Whether driver restrictions apply (i.e. excluding under 25 year olds)
- Whether the drivers have had prior driving offences
It is important that all material facts are provided to the insurer to determine the premium and terms to apply to your cover. If you fail to fully disclose material facts, or misrepresent the risk, (for example, misrepresenting who will be the principal driver), then the insurer may be entitled to avoid paying a claim.
It is also important that you ensure that your intended use of the vehicle falls within the coverage provided by the private motor insurance policy.
Should you require a quote please complete the contact form below and we shall be in touch.
