Private Car Insurance
Whether you have a new or used car, whether it is a classic car or your essential run around, and if you need cover for work, commuting or just social domestic and pleasure, we have the right policy for you. With so much to consider, we can make finding the right cover easy for you and apply appropriate discounts wherever possible.
Private car insurance provides you with financial protection in the event of an accident and is compulsory for all vehicles used on public highways.
Learner Driver Insurance
Cover your parents or friends car while you are learning to drive without risking their own No Claims Bonus. This cover is suitable if you don’t own your own car. Cover can be flexible to suit your needs between 30 and 240 days and can be renewed until you pass your test, when cover will expire.
Black Box Insurance
Our partner Marmalade Insurance will cover new drivers with either a Provisional or Full Driving Licence who own their own car, using Black Box Technology which measures your driving skills. Your premiums will be lower the better the driver you are!
Young Drivers are 3 times safer than the average UK motorist as a result of these Black Boxes, and if you use your own car, Marmalade will cover you before you pass your test as well.
Classic Car Insurance
We can provide cover for cars that meet the requirement for a Classic car (normally over 20 years old), whether it’s an 80’s XR3, a TR7 from the 70’s, an Aston Martin DB5, or an old Beetle. Or maybe you have something older or more unusual. Give us a call and let us help you get it properly covered.
Commercial Vehicle Insurance
We have been able to help many local businesses and tradespeople over the years in many ways, as well as with their essential work vehicles. From small vans, up to 44 ton articulated lorries, we can help you find the right cover for either individual vehicles or a larger fleet. Ensuring you have the right cover might be the difference between being able to complete a job or not.
A motorbike might be your passion, pride and joy. It may be a hobby that you have, something to tinker with, and that you like to ride in the summer months. Or a motorbike might be your preferred means of transport to get around or ride to work on. We can provide the right cover for you no matter what kind of motorbike you ride and we can also insure for breakdown cover as well as your helmet and leathers.
Motorhome Insurance can be very specialist, that’s why we can offer policies that will provide a slick and comprehensive insurance solution for those who enjoy their campers. All individual requirements and vehicles can be considered and rated accordingly. Your cover can include the vehicle against accident, damage, and breakdown all year round, and you can also cover generators and gas bottles, personal effects, TV and Satellite Equipment, plus any other items you take with you.
As well as insuring your vehicle against Accident, Damage and Theft, it is important to consider the implications of how you would be affected by a breakdown, or needing to have your car recovered. Some Vehicle Insurance policies give you the option to add Breakdown and Recovery protection as an add-on; however these can be limited in terms of the cover provided. We can provide you with a stand-alone policy to include the following:
- Roadside Assistance
- Nationwide Recovery in the UK
- Homestart in the UK
- Onward recover, rental vehicle, overnight accommodation
- European Assistance
In the unfortunate event of your car being stolen and not recovered, or in an accident and declared a total loss, very few people will receive back from their vehicle insurer the amount they originally paid for the car. This may mean that you would have to replace with a lower spec vehicle or possibly struggle to replace the vehicle at all. GAP Insurance will cover the shortfall between the current market value of the vehicle which would be paid out in a claim, and the original invoice price of the car so that you don’t lose out.
Legal Expenses Insurance
Motor Legal Expenses cover helps you to recover uninsured losses in the event of an accident where you are not at fault. Uninsured losses can be the excess stated on your policy, replacement car hire, personal injury to yourself or passengers, or the defence of a third-party claim. Having this policy in place allows you to make claims where necessary without the worry of incurring a large legal bill. Most importantly it allows you to get back your excess and protect your no claims bonus in accidents where you are not to blame.
Temporary Vehicle Insurance
Maybe you want to share a long drive, you have to borrow a car while yours is being repaired, you need to use a van to move large items, or you want to use your parents car while you’re home from university, Temporary Vehicle Insurance is a cost effective way of insuring yourself to drive someone else’s car or van, or to cover someone else to drive your vehicle, for a period usually of up to 28 days.
Get in touch with us to discuss how we can help find the right cover for you.