Our motor insurance policies aim to insure those who may not be catered for by many insurers. Find out more about the benefits of products including disabled driver insurance and classic car insurance by selecting one of the boxes below.
Yes, we can offer cover for specialist vehicles and specific needs, including vintage tractors, disabled driver vehicles, classic bikes and classic cars.
This is a discount awarded for the completion of 12 months of continuous claim free insurance. NCB can only be earned and used in your own name and on one vehicle at a time. NCB is not acceptable if it expired more than 2 years prior to the inception of your new policy. NCB is reduced after a fault claim (please refer to your policy wording for details of NCB reduction). If you are unsure if your NCB is valid you can call our experienced advisers on 03303 438 629 who will be happy to help and advise you.
This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:
A fault claim is any claim resulting in your own insurer being liable (paying for the claim). For example, you are not to blame for a theft claim but your own insurer would be liable, as they have no other party to recover the costs from.
If your insurer pays for your damages in a claim, for example where a third party hit you, but then re-coups their costs via the third party's insurer, this would be a non-fault claim as your insurer was not liable.
Yes, it is always advisable to tell your insurer of any incident the insured vehicle is involved in, so that your file is always fully updated, even if no claim is to be made.
An electronic immobiliser is a device fitted to the vehicle that disables the engine of your vehicle when it is not in operation by you. Some newer vehicles have these factory fitted by the manufacturer and these are normally shown within your vehicle brochure. It is also possible to have these fitted by a garage or specialist, who would supply a certificate of installation detailing the exact model of your vehicle's immobiliser. A copy of your fitment certificate may be required.
A manual immobiliser is a device which is usually placed on the steering wheel or gear lever of your vehicle.
There are two types of Thatcham graded immobiliser:
T2 = An immobiliser that has been judged to comply to the Thatcham criteria.
T1 = An alarm/immobiliser combination that has been judged to comply to the Thatcham criteria.
A car usually has to be 20 years in order to qualify for classic car insurance. However, this can be reduced for certain marques or subject to certain club membership.
‘Classic’ means different things to different people. Normally we consider bikes as classic once they are 15 years old, however for some clubs we can cover bikes from 10 years old. If you’re unsure, give us a call, let us know which club you’re with and we’ll do the rest.
Your car's agreed value is the figure negotiated at the start of your insurance process that your insurers agree to pay in the case of theft or total loss of your vehicle. It is only available for vehicles qualifying for classic insurance.
Market value is the amount you would reasonably expect to receive if you sell your vehicle.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.
This is a discount awarded for the completion of 12 months of continuous claim free insurance. NCB can only be earned and used in your own name and on one vehicle at a time. NCB is not acceptable if it expired more than 2 years prior to the inception of your new policy. NCB is reduced after a fault claim (please refer to your policy wording for details of NCB reduction). If you are unsure if your NCB is valid you can call our experienced advisers on 03303 438 629 who will be happy to help and advise you.
This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:
A fault claim is any claim resulting in your own insurer being liable (paying for the claim). For example, you are not to blame for a theft claim but your own insurer would be liable, as they have no other party to recover the costs from.
If your insurer pays for your damages in a claim, for example where a third party hit you, but then re-coups their costs via the third party's insurer, this would be a non-fault claim as your insurer was not liable.
Yes, it is always advisable to tell your insurer of any incident the insured vehicle is involved in, so that your file is always fully updated, even if no claim is to be made.
An electronic immobiliser is a device fitted to the vehicle that disables the engine of your vehicle when it is not in operation by you. Some newer vehicles have these factory fitted by the manufacturer and these are normally shown within your vehicle brochure. It is also possible to have these fitted by a garage or specialist, who would supply a certificate of installation detailing the exact model of your vehicle's immobiliser. A copy of your fitment certificate may be required.
A manual immobiliser is a device which is usually placed on the steering wheel or gear lever of your vehicle.
There are two types of Thatcham graded immobiliser:
T2 = An immobiliser that has been judged to comply to the Thatcham criteria.
T1 = An alarm/immobiliser combination that has been judged to comply to the Thatcham criteria.
A car usually has to be 20 years in order to qualify for classic car insurance. However, this can be reduced for certain marques or subject to certain club membership.
‘Classic’ means different things to different people. Normally we consider bikes as classic once they are 15 years old, however for some clubs we can cover bikes from 10 years old. If you’re unsure, give us a call, let us know which club you’re with and we’ll do the rest.
Your car's agreed value is the figure negotiated at the start of your insurance process that your insurers agree to pay in the case of theft or total loss of your vehicle. It is only available for vehicles qualifying for classic insurance.
Market value is the amount you would reasonably expect to receive if you sell your vehicle.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.
‘Classic’ means different things to different people. Normally we consider bikes as classic once they are 15 years old, however for some clubs we can cover bikes from 10 years old. If you’re unsure, give us a call, let us know which club you’re with and we’ll do the rest.
Your car's agreed value is the figure negotiated at the start of your insurance process that your insurers agree to pay in the case of theft or total loss of your vehicle. It is only available for vehicles qualifying for classic insurance.
Market value is the amount you would reasonably expect to receive if you sell your vehicle.
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment spread over ten months. Please visit our dedicated Direct Debit page to find out more.
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