Motor Insurance

The Road Traffic Act requires that anyone who uses a motor vehicle on the public highway must have cover for liability for death or bodily injury to a third party (including passengers), and cover for liability for damage to third party property caused by an accident involving the vehicle.

The most commonly selected form of cover is Comprehensive which covers the insured's vehicle for accidental damage in addition to the third party fire and theft risks.

Comprehensive covers the following:

• as for Third Party Fire and Theft but includes;
• Accidental and malicious damage to your own vehicle
• A personal accident benefit
• Medical expenses (up to a specified amount)
• Loss of or damage to personal effects in the vehicle (up to a specified amount)
• Replacement of broken glass in windscreen, windows or sunroof
• Depending on the insurer, benefits may also include cover for push chairs in the vehicle, Christmas luggage in boot and roadside breakdown

Third Party Only covers the following:

• Liability for injuries to other people, including passengers
• Liability for damage to other people's property
• Liability of passengers for accidents caused by them
• Liability arising from the use of a caravan or trailer, while attached to the car

Third Party Fire and Theft covers the following:

• as for Third Party Only but includes;
• Damage to your vehicle due to fire
• Theft of your vehicle
• Damage to your vehicle due to attempted theft

Motor Legal Expenses
Motor legal expenses insurance provides cover for your uninsured losses in the event that you have a non-fault road traffic accident.

This additional cover will assist you in recovering any or all of the following uninsured losses: policy excess, personal injury compensation, loss of earnings, replacement car hire charges, loss of use and damage to personal possessions. In the case of third party or third party fire and theft, non fault claims pursue a recovery for the accidental damage caused by the third party.

Following such an accident you would simply call your dedicated account manager who will immediately start to arrange replacement car hire, credit repair and if required, legal representation.

Driving Abroad
Some specialist insurers automatically include cover for driving abroad. You must tell us in advance if you are planning to take your motor vehicle abroad so that, if necessary, we can extend your cover.