Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered.

Size: px
Start display at page:

Download "Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered."

Transcription

1 Whether you ve just bought your first car or want to reduce your existing car insurance quote, there are a few things that you'll need to know in order to get the best deal. Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered. - Policy options - Exclusions - Optional extras - Are you already covered? - Excess - No claims bonus - Changing your policy - Switching car insurance - Policy options The first thing you need to think about is the type of insurance that you want; third party only - the minimum cover required by law, third party, fire and theft or fully comprehensive insurance. 1 / 10

2 The policy you choose will be based on a number of factors, including your budget and how much your car is worth - there might be little point taking out a costly, fully comprehensive policy on a car that s not worth the annual fee. On the other hand, if you ve got a new car that you want to keep for a long time, full insurance would be a much better investment. Different levels of cover will insure you and your car against different things: Third party only - The minimum level of cover required by law in the UK. It offers: Liability for injury to others (including passengers) Damage to property 2 / 10

3 Liability whilst towing a caravan or trailer Third party, fire and theft - Offers everything that third party only policies cover, plus: Fire damage The theft of your own vehicle Damage to your car caused during the theft Comprehensive - The most extensive cover available, covering everything that third party, fire and theft does, and usually: Loss or damage to your vehicle Windscreen cover Personal effects 3 / 10

4 Accidental damage Medical expenses Exclusions No matter what level of cover you choose, you need to make sure that you read the small print and look for exclusions - especially if you're going for a cheap stripped down policy, which might not cover damage to windscreens, wheels or some personal effects. Other exclusions might also apply, for example, you might not be covered to drive another car if you're under 25, and you won t usually be allowed to race your car. 4 / 10

5 Optional extras There are a number of optional extras that are included in some policies, or excluded in others: Legal protection Breakdown cover Courtesy car cover Insurance abroad Personal accident cover Windscreen cover 5 / 10

6 Are you already covered? If you ve bought a new car, you might already be covered - some dealers offer free insurance as part of their deals, so make sure that you're not paying for something you already have. Excess There are two types of excess that you need to consider when choosing a policy; compulsory excess and voluntary excess. Excess is the amount you will have to pay towards any claim you make. For example, if you have an accidental damage excess of 250 and you damage your car you will have to pay the 6 / 10

7 first 250 towards the cost of any repairs. If the repairs cost 600, your insurer will pay out 350 and you will have to pay usually before you can take your car home from the garage. Compulsory excess - Set by your insurer and will vary from one policy to the next, usually going up for young drivers or high-value cars. Voluntary excess - This can be added in order to reduce your insurance premiums - if you agree to pay more towards any claims, you could reduce the overall cost of your insurance. No claims bonus No claims bonuses are awarded to drivers who do not claim on their insurance policy, cutting the cost of your premium. The longer you go without making a claim, the more you stand to save on your policy, and if you do make a claim you could lose your bonus. 7 / 10

8 However, this applies even if the accident wasn t your fault. Generally, there are a few rules that apply to no claims bonuses: For every fault claim you make, you lose two year's bonus Most insurers have a maximum no claims discount level, usually four or five years You can often protect your bonus once you reach the maximum discount level, so that you do not lose your bonus if you have to make a claim Changing your policy Make sure that you tell your insurer of any changes to your policy, such as a change of address or additional drive, as soon as possible - otherwise they may not pay out if you have to make a 8 / 10

9 claim. Some changes might also affect the cost of your insurance - if you move from a rural to an urban area for example, or to a new property that no longer has a garage. Switching car insurance Switching is one of the easiest ways to make a saving on your car insurance. Make sure that you ve compared car insurance policies to ensure that you get the best deal, and that you're free to switch from your existing insurer - otherwise you could face a charge if you cancel before your policy has expired. A number of different things will affect your new policy quote, from your age and claims history to any driving convictions or medical conditions that mean you hold a restricted licence - but you 9 / 10

10 do have to tell your insurer everything that could be relevant to your policy. Withholding information could mean that your insurer refuses to pay out when you have to make a claim. Source: insurancechoices.co.uk 10 / 10

policy summary car insurance

policy summary car insurance policy summary car insurance what you need to know NI May 201 redefining standards a summary of our car insurance policy Thank you for insuring your car with us. This document is a summary of your motor

More information

How To Get A Great Deal On Suncorp Insurance

How To Get A Great Deal On Suncorp Insurance Car Insurance Keep life moving The must-have Queensland insurance What makes Suncorp the must-have Queensland insurance? It comes from an understanding of how we all like to live, and designing insurance

More information

IS4U guide to car insurance

IS4U guide to car insurance IS4U guide to car insurance So what is car insurance? With so many cars on the road at any given time, you can be sure that someone somewhere has just had a bump or an accident. This may involve one, or

More information

policy summary car insurance what you need to know NI October 2011

policy summary car insurance what you need to know NI October 2011 policy summary car insurance what you need to know NI October 2011 redefining standards a summary of our car insurance policy significant general exceptions and policy conditions applies to all sections

More information

Westpac Insurance. House, Contents, Vehicle & Boat Insurance

Westpac Insurance. House, Contents, Vehicle & Boat Insurance Westpac Insurance House, Contents, Vehicle & Boat Insurance June 2013 You ve worked hard to build up your assets, so it makes sense to protect them. From your home to all the things in it, to your car,

More information

A GUIDE TO MOTOR INSURANCE

A GUIDE TO MOTOR INSURANCE A GUIDE TO MOTOR INSURANCE Every year, one in six New Zealand policy holders will make a claim on their motor vehicle insurance, totalling over $300 million. That's why you should be insured. Motor vehicle

More information

You can trust us for a better insurance deal

You can trust us for a better insurance deal You can trust us for a better insurance deal We care about your insurance needs Your financial institution can help you with a range of MemberCare insurance that provides strong personal and financial

More information

Independent consumer guide to motor insurance

Independent consumer guide to motor insurance Independent consumer guide to motor insurance Who we are and what we do We regulate financial services firms in Ireland including banks, building societies, insurance companies, brokers, moneylenders,

More information

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need.

Insuring. vehicle. your. A guide to the principles of motor vehicle insurance to help you choose the cover you need. Insuring your vehicle A guide to the principles of motor vehicle insurance to help you choose the cover you need. Motor vehicle insurance the facts There are three types of general insurance that cover

More information

Making claims clear Making a motor claim

Making claims clear Making a motor claim Making claims clear Making a motor claim ACLD0886C-A AXA Insurance UK plc Registered in England and Wales No 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD. A member of the AXA Group of

More information

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips

driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips In the driver s seat Australian Securities & Investments Commission s Car finance and car insurance tips Contents Don t drive into debt 2 Looking for a loan? 2 Choosing a policy 2 Applying for a policy

More information

Car Insurance. Our Policy is You

Car Insurance. Our Policy is You Car Insurance Our Policy is You 1 5 Good Reasons to Insure with FBD 1 Save money Call us for a quote that includes excellent value, special rates and discounts across all policies. 2 Excellent cover FBD

More information

NAIC Consumer Shopping Tool for Auto Insurance

NAIC Consumer Shopping Tool for Auto Insurance NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best

More information

Optima Plus Car Insurance

Optima Plus Car Insurance Optima Plus Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your

More information

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Car Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide (PED

More information

Optima Car Insurance. Policy Summary

Optima Car Insurance. Policy Summary Optima Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

motorcycle insurance protecting your dreams

motorcycle insurance protecting your dreams motorcycle insurance protecting your dreams let s ride. The freedom of the open road feels even better the less you have to worry about. But protecting yourself on a cycle involves more than leather and

More information

InsureMyRide motorbike insurance

InsureMyRide motorbike insurance InsureMyRide motorbike insurance Premiums, excesses, discounts and claim payments guide Your Guide to Premiums, Excesses, Discounts and Claim Payments This InsureMyRide Bike Insurance Premiums, Excesses,

More information

PREMIUMS, EXCESSES, DISCOUNTS & CLAIMS GUIDE

PREMIUMS, EXCESSES, DISCOUNTS & CLAIMS GUIDE Secure Motorhome Insurance Product Disclosure Statement PREMIUMS, EXCESSES, DISCOUNTS & CLAIMS GUIDE The purpose of this Guide is to provide further details about the amount you pay for this insurance,

More information

a reduction in cost of your insurance if you drive without having an accident a price offered for insurance a temporary insurance contract

a reduction in cost of your insurance if you drive without having an accident a price offered for insurance a temporary insurance contract Worksheet 1 Cut up these word cards and give out one set per pair. Tell the students to match the car insurance words and phrases to similar meanings a no claims bonus a quote a reduction in cost of your

More information

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16

Being a younger driver: the key findings 5. Why premiums vary 8. Recommendations 11. Ways to cut your costs 13. 1 The case studies 16 2 The Cost of Car Insurance for Young Drivers in Northern Ireland Introduction 4 What we did 4 Being a younger driver: the key findings 5 Why premiums vary 8 Recommendations 11 References 12 Ways to cut

More information

Frequently Ask Questions

Frequently Ask Questions Frequently Ask Questions This document has been prepared to answer questions that you are likely to have on the new SalarySacrifice4Cars scheme ( the car scheme ). It is set out in 3 sections The car scheme

More information

CAR INSURANCE MADE SIMPLE

CAR INSURANCE MADE SIMPLE CAR INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS CAR INSURANCE? Car insurance, also called motor insurance, protects you if you are involved in a collision

More information

+ Choice of Repairer. 4WD Vehicle Insurance Comparison. Affinity 4WD Insurance

+ Choice of Repairer. 4WD Vehicle Insurance Comparison. Affinity 4WD Insurance Affinity 4WD Insurance 4WD Vehicle Insurance Comparison Feature Existing Lumley Benefit Standard CGU Benefit CGU Affinity 4WD Benefit Replacement Vehicle If the Vehicle is a Total Loss within 3 years of

More information

Motor Insurance. with. Here to help your world

Motor Insurance. with. Here to help your world Motor Insurance with Here to help your world If you breakdown we ll be there If your car breaks down or you have a roadside emergency (e.g. a flat tyre, or you run out of fuel), it is reassuring to know

More information

Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland

Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0 FBD Insurance plc is regulated by the Central Bank of Ireland FBD has over 40 years insurance experience and today we are one of Ireland

More information

Your 7 Day Cover. Important information about your Motor Insurance Policy. Important Numbers

Your 7 Day Cover. Important information about your Motor Insurance Policy. Important Numbers HYUNDAI Insurance Your 7 Day Cover Policy Summary Important information about your Motor Insurance Policy Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile

More information

How To Get A No Claims Discount From Original Insurance

How To Get A No Claims Discount From Original Insurance Frequently Asked Questions Important Numbers Claims and Accident Helpline 0330 100 3123 (24 hours) Glass Helpline 0844 248 7065 (24 hours) Policy Changes 0330 100 3161 Quotes and Renewals 0800 980 1693

More information

Supporting the work of. Minibus Insurance. Policy summary. Don t drive off without Unity s minibus cover

Supporting the work of. Minibus Insurance. Policy summary. Don t drive off without Unity s minibus cover Supporting the work of Minibus Insurance Policy summary Don t drive off without Unity s minibus cover Specialist Minibus Insurance Cover includes: Accidental damage to the vehicle Our minibus policy goes

More information

Optima private car insurance

Optima private car insurance abc Optima private car insurance This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 404 6016*(24 hours) Policy Changes 0844 800 0463 Quotes and Renewals

More information

MOORHOUSE LC4 POLICY SUMMARY. Comprehensive. Policy Section

MOORHOUSE LC4 POLICY SUMMARY. Comprehensive. Policy Section MOORHOUSE LC4 POLICY SUMMARY The information shown here is only a summary of what is covered by your Commercial Vehicle Policy It does not form part of the contract of insurance Please read your policy

More information

The ultimate in protection

The ultimate in protection The ultimate in protection Insurance Honda Australia Pty. Ltd. ACN 004 759 611 ABN 66 004 759 611 95 Sharps Road, Tullamarine, Victoria, 3043. Freecall 1800 804 954 honda.com.au/cars HOD0705 Clever thinking.

More information

Saga Motorhome Insurance

Saga Motorhome Insurance Your guide to Saga Motorhome Insurance Saga Motorhome Insurance Thank you for your interest in Saga Motorhome Insurance. We aim to offer excellent value for money without compromising on cover or customer

More information

Motor Vehicle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Motor Vehicle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Motor Vehicle Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The purpose of this guide is to provide further detail

More information

Motor Vehicle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Motor Vehicle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Motor Vehicle Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments This Premiums, Excesses, Discounts and Claim Payments

More information

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Car Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide (Guide)

More information

insurance policy I m in the driver s seat!

insurance policy I m in the driver s seat! My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a

More information

Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide

Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide Rewarding experience Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 AR No. 239591 is an agent and authorised representative

More information

Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide

Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide Apia Car Advantage Your guide to Premiums, Excesses and Claims Guide Rewarding experience Australian Pensioners Insurance Agency Pty Ltd ABN 14 099 650 996 AR No. 239591 is an agent and authorised representative

More information

Motor Trade Road Risks

Motor Trade Road Risks Motor Trade Road Risks Policy Summary The Motor Trade Road Risks Insurance policy is for full or part-time motor traders, working from commercial premises or from home, who require road risk cover for

More information

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Car Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide (PED

More information

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Car Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Car Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide (Guide)

More information

MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU 10% OFF FOR BUPA HEALTH MEMBERS

MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU 10% OFF FOR BUPA HEALTH MEMBERS 10% OFF FOR BUPA HEALTH MEMBERS MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. Any advice contained

More information

Asda Van Insurance. Summary of Cover. money

Asda Van Insurance. Summary of Cover. money Asda Van Insurance Summary of Cover money Contents Contents... 2 Your Motor Policy Summary... 3 Types of Cover and Sections which apply... 3 Your Motor Policy...4 Section 1 - Loss or Damage...4 Accidental

More information

Motorcycle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments

Motorcycle Insurance. Your guide to Premiums, Excesses, Discounts and Claim Payments Motorcycle Insurance Your guide to Premiums, Excesses, Discounts and Claim Payments Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide

More information

MINI Car Insurance Policy Summary.

MINI Car Insurance Policy Summary. Summary. This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full terms can be found in the policy

More information

Your Policy Summary. Important information about your Motor Insurance Policy. Important Numbers

Your Policy Summary. Important information about your Motor Insurance Policy. Important Numbers Your Policy Summary Important information about your Motor Insurance Policy Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 107 1156* (24 hours)

More information

DRIVING WITH CONFIDENCE

DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 1 DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 2007 1 MAKING SENSE OF CAR INSURANCE MAKING SENSE OF CAR INSURANCE 2 WHY IT IS IMPORTANT TO HAVE INSURANCE If you cause

More information

How To Get A Co-Operative Insurance Policy

How To Get A Co-Operative Insurance Policy Motor Insurance Policy summary Policy Summary Type of insurance and cover This is an insurance for private type motor cars, dual purpose vehicles (e.g. estate cars), commercial vehicles not used for business

More information

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle.

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle. Consumer Math Notes 9.1-2 Name Hour Purchasing a New Vehicle/ Dealer s Cost A vehicle s shows all charges for the vehicle. = the price of he vehicle s engine, chassis and any other standard equipment for

More information

All About Auto Insurance

All About Auto Insurance All About Auto Insurance The legal responsibility involved when you are in a car accident is extraordinary. Basically, if you hurt someone else while driving, there s no limit to the amount he or she can

More information

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER?

BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? BUYING CAR INSURANCE: WHAT KIND OF CAR INSURANCE SHOULD I CONSIDER? This fact sheet is for information only. It is recommended that you get legal advice about your situation. CASE STUDY Ted was desperate

More information

Our Insurance services. Where to find

Our Insurance services. Where to find Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Your car insurance policy Features and benefits

Your car insurance policy Features and benefits Your car insurance policy Features and benefits FBD Insurance plc, trading as Clan Insurance, is regulated by the Central Bank of Ireland PMV Clan FAB 2015 02 V1.0 Welcome to Clan Insurance. Our car insurance

More information

Affinity 4WD. Insurance

Affinity 4WD. Insurance Affinity 4WD Insurance Welcome to Affinity 4WD Insurance Affinity Insurance Brokers (Affinity) are pleased to provide you with a motor vehicle insurance policy specifically designed for 4WD owners and

More information

Motor Vehicle Insurance

Motor Vehicle Insurance Motor Vehicle Insurance Your Guide to Premium, Excesses, Discounts and Claim Payments all states except Victoria The insurer is GIO General Limited ABN 22 002 861 583 AFSL 229873. This product is distributed

More information

SGIO Motor Insurance Premium, Excess & Discounts Guide WA

SGIO Motor Insurance Premium, Excess & Discounts Guide WA 1 SGIO Insurance Premium, Excess & Discounts Guide This SGIO Insurance Premium, Excess and Discounts Guide should be read with the SGIO Insurance Product Disclosure Statement and Policy Booklet (PDS) Edition

More information

The right cover for your individual circumstances

The right cover for your individual circumstances The right cover for your individual circumstances It is not always easy to decide which options you need to insure your vehicle and yourself properly. This guide can help you: you can use it to check at

More information

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues.

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Motor car insurance Policy summary This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Policy Summary Type of insurance and cover This is an insurance

More information

AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE

AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE AAMI COMPREHENSIVE CAR INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE Your Guide to Premiums, Excesses, Discounts and Claim Payments This AAMI Comprehensive Car Insurance Premium, Excesses & Claims Guide (Guide)

More information

COMPREHENSIVE CAR INSURANCE PREMIUMS, EXCESSES & CLAIMS GUIDE

COMPREHENSIVE CAR INSURANCE PREMIUMS, EXCESSES & CLAIMS GUIDE COMPREHENSIVE CAR INSURANCE PREMIUMS, EXCESSES & CLAIMS GUIDE The purpose of this Comprehensive Car Insurance Premiums, Excesses & Claims Guide (Guide) is to provide you with further information about

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

AAMI MOTORCYCLE INSURANCE PREMIUMS, EXCESSES, DISCOUNTS AND CLAIM PAYMENTS GUIDE

AAMI MOTORCYCLE INSURANCE PREMIUMS, EXCESSES, DISCOUNTS AND CLAIM PAYMENTS GUIDE AAMI MOTORCYCLE INSURANCE PREMIUMS, EXCESSES, DISCOUNTS AND CLAIM PAYMENTS GUIDE Your guide to Premiums, Excesses, Discounts and Claim Payments The Premiums, Excesses, Discounts and Claim Payments Guide

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March

More information

Quick Guide to Quick Quote

Quick Guide to Quick Quote Quick Guide to Quick Quote Overview of Quick Quote... 2 Getting a Quick Quote... 2 Other Actions... 8 Further Questions?... 9 QUICK GUIDE to QUICK QUOTE 1 Overview of Quick Quote How much money could you

More information

AXA Car Insurance. Policy summary. April 2015 edition

AXA Car Insurance. Policy summary. April 2015 edition AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing

More information

SCHEDULE OF FLEET POLICY EXCESSES (FIRST AMOUNTS PAYABLE)

SCHEDULE OF FLEET POLICY EXCESSES (FIRST AMOUNTS PAYABLE) SCHEDULE OF FLEET POLICY EXCESSES (FIRST AMOUNTS PAYABLE) Definition For each and every claim You must pay the following unless We indicate otherwise on the Certificate of any particular Section of this

More information

Your Electric Car Policy Summary

Your Electric Car Policy Summary MOTOR INSURANCE Important numbers Claims and Accident Helpline (24 hours)...... 0844 209 2594 We recommend you save this number to your mobile Your Electric Car Policy Summary Glass Helpline (24 hours)..............

More information

Motor Vehicle Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments

Motor Vehicle Insurance. Your Guide to Premiums, Excesses, Discounts and Claim Payments Motor Vehicle Insurance Your Guide to Premiums, Excesses, Discounts and Claim Payments Your Guide to Premiums, Excesses, Discounts and Claim Payments This Premiums, Excesses, Discounts and Claim Payments

More information

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)

See page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

COMMERCIAL VEHICLE INSURANCE PROPOSAL

COMMERCIAL VEHICLE INSURANCE PROPOSAL Tradewise Insurance Services Ltd COMMERCIAL VEHICLE INSURANCE PROPOSAL SUMMARY OF COVER This is a brief outline only - a copy of the policy wording including all terms and conditions may be obtained on

More information

Policy Summary. Insurance from. How to make a claim? For accidents in the United Kingdom, Channel Islands and Isle of Man Call 0844 893 9606

Policy Summary. Insurance from. How to make a claim? For accidents in the United Kingdom, Channel Islands and Isle of Man Call 0844 893 9606 Policy Summary This is a Policy Summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full terms can be found in the

More information

Territory Car Insurance

Territory Car Insurance Territory Car Insurance Territory Car Insurance Premium, Excess, Discount and Options Guide (PED) Current as at 16 August 2015 Important qualification The information in this document is current as at

More information

Covea Insurance Private Car Summary.

Covea Insurance Private Car Summary. Covea Insurance Private Car Summary. This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the

More information

Policy Summary www.debenhamscarinsurance.co.uk

Policy Summary www.debenhamscarinsurance.co.uk Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...

More information

Your Policy Summary MOTOR INSURANCE. Important numbers. Private Car Insurance

Your Policy Summary MOTOR INSURANCE. Important numbers. Private Car Insurance MOTOR INSURANCE Important numbers Claims and Accident Helpline (24 hours)...... 0844 209 2594 We recommend you save this number to your mobile Your Policy Summary Private Car Insurance Glass Helpline (24

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

POLICY SUMMARY Commercial Vehicle

POLICY SUMMARY Commercial Vehicle POLICY SUMMARY Commercial Vehicle This is a summary of your Policy, giving important information about the cover provided so you can check that it is right for you Arista Insurance Commercial Vehicle Policy

More information

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6 Car insurance policy summary The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full details

More information

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE Act quickly after an accident and call us now on 0800 783 6066 2 DASDRIVE ULTIMATE If you ve been unfortunate enough to have been involved in a motor

More information

Your Document of. Car Insurance. This booklet tells you what you re covered for and how to make a claim

Your Document of. Car Insurance. This booklet tells you what you re covered for and how to make a claim Your Document of Car Insurance This booklet tells you what you re covered for and how to make a claim Welcome to Nationwide Car Insurance We re delighted you ve chosen us Thanks for buying a Nationwide

More information

Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by:

Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by: CommInsure Car Insurance Product Disclosure Statement (PDS) and Financial Services Guide (FSG) Issued by: Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL) trading as CommInsure 14 March

More information

Age UK Car Insurance Policy Summary

Age UK Car Insurance Policy Summary Age UK Car Insurance Policy Summary What is the Car Policy Summary? This is a summary of cover available under Age UK Car Insurance. It outlines the main benefits and exclusions of the policy cover and

More information

Motor Trade Road Risks

Motor Trade Road Risks Motor Trade Road Risks Policy Summary The Insurance cover is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The Motor Trade Road Risks Insurance policy is for full or part-time

More information

car, moto and home Because your property matters.

car, moto and home Because your property matters. car, moto home Because your property matters. Motor vehicle household insurance. Total benefits. Contents Nearly 200,000 customers have already entrusted us with their most valuable possession: their health.

More information

UK and European breakdown cover

UK and European breakdown cover UK and European breakdown cover Introduction Welcome to UK and European breakdown cover This Motor Breakdown and accident recovery service is administered on behalf of The Co-operative Insurance by AXA

More information

Refers to a decrease in value of an item over time.

Refers to a decrease in value of an item over time. MOTOR VEHICLES 1. HELPFUL DEFINITIONS You/your/yourself/yours: Vehicle: Vehicle Accessories: Standard Vehicle Accessories: Non-Standard Vehicle Accessories: Depreciation: Betterment: Total Loss: Means

More information

insure2drive Private Car and Small Commercial Vehicle Policy Summary

insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance

More information

THIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2

THIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2 THIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2 INSURANCE COVER THIS DOCUMENT IS PART 2 OF A 2 PART PRODUCT DISCLOSURE STATEMENT (PDS). THIS PART 2 IS THE INSURANCE COVER DOCUMENT

More information

Policy Booklet. Inside you ll find full details of your car insurance. tescobank.com

Policy Booklet. Inside you ll find full details of your car insurance. tescobank.com Policy Booklet Inside you ll find full details of your car insurance tescobank.com Contents Page Welcome to your Tesco Bank Car Insurance policy 1 Here are some quick and handy tips 2 Meanings of Words

More information

AAMI COMPREHENSIVE CAR INSURANCE - PREMIUM, EXCESSES & CLAIMS GUIDE

AAMI COMPREHENSIVE CAR INSURANCE - PREMIUM, EXCESSES & CLAIMS GUIDE AAMI COMPREHENSIVE CAR INSURANCE - PREMIUM, EXCESSES & CLAIMS GUIDE Your Guide to Premium, Excess, Discounts and Claim Payments This AAMI Comprehensive Car Insurance Premium, Excesses & Claims Guide (Guide)

More information

Adrian Flux Insurance information for first-time drivers

Adrian Flux Insurance information for first-time drivers Insurance information for first-time drivers Insurance information for first-time drivers Insurance is a topic that s not usually talked about a great deal when you re learning to drive. Instead you focus

More information

AAMI THIRD PARTY PROPERTY DAMAGE MOTORCYCLE INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE

AAMI THIRD PARTY PROPERTY DAMAGE MOTORCYCLE INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE AAMI THIRD PARTY PROPERTY DAMAGE MOTORCYCLE INSURANCE PREMIUM, EXCESSES & CLAIMS GUIDE This AAMI Third Party Property Damage Motorcycle Insurance Premium, Excesses & Claims Guide (Guide) is designed to

More information

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC Introduction Choice of Cover Third Party Fire and Theft You are covered for liability to third parties (including passengers)

More information

Car Insurance. Product Disclosure Statement

Car Insurance. Product Disclosure Statement Car Insurance Product Disclosure Statement Contents Introduction... 3 Welcome to GIO Car Insurance...3 Your responsibilities...4 Summary of features and options...6 GIO Claims Free Savings...8 Maximum

More information