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Car Insurance

How do I obtain a car insurance quotation?

You can complete the call back form on the right and one of our experienced members of staff will call you back and obtain the information required, then provide you with a quotation.

Or you can call us on 0844 2098310* and speak to our knowlegable staff who will be able to provide you with a car insurance quotation. We also have a facility to obtain your quotation online.

Car Insurance - a legal requirement

Car insurance is a legal requirement for anyone intending to use or keep a car on the public highway under the road traffic act of 1991.

Car insurance types

There are 3 types of cover for car insurance and these consist of:

Third party only

This is the most basic of covers for car insurance and covers you for third party bodily injury and damage to third party property.

Third Party Fire and Theft

This covers all of the above plus fire and theft cover.


This insurance covers both of the above plus accidental damage to your car.

Protected no claims bonus on my car insurance

If you have maximum no claims bonus you can opt to protect this so that in the event of a fault claim fire or theft on your car insurance, your no claims bonus will remain intact. Depending on the insurer, this may be 2 fault claims in a period of 5 years or 1 fault claim per annual period of insurance.

Will my car insurance include personal accident cover?

Most comprehensive car insurance policies will automatically include personal accident cover, however the level of cover will vary dependant on the insurer. There are exclusions to this section of the policy if you are unsure of cover on your car insurance please ask one of our advisors for assistance.

Car insurance Policy Excesses

All third party fire and theft policies and comprehensive policies will have a compulsory excess which is fixed by the insurer. However on most comprehensive car insurances this can be increased by taking a voluntary excess. This will reduce the premium but increase the amount that you will pay towards a claim. Most comprehensive policies will include windscreen cover however the excesses vary on this section, please ask one of our advisors who can inform you of the windscreen excess on your car insurance.

Will my car insurance cover me in Europe?

Most car insurances will include the minimum legal cover required in Europe free of charge under those countries minimum insurance requirements. However we do have a large range of car insurance policies that provide the same cover on the continent as you have in the UK. If you are unsure of the cover you have any of our advisors will be able to help.

Will I have cover for driving other vehicles under my car insurance?

Most car insurers will cover you for driving other cars not belonging to you under your policy if you are aged over 25. This cover will only be third party only and normally the vehicle has to already be insured. Most insurers also now excluded cover under this section for releasing a vehicle from a police compound.

Will additional security reduce my car insurance?

Most new cars come with security fitted as standard. On high value vehicles some insurers may ask for additional security to be fitted to the vehicle. Some insurers may give a reduced premium if approved additional security is fitted to the vehicle; most approved devices are listed the Thatcham website

Will I have cover for my personal effects under my car insurance?

Most insurers will give a very limited amount of cover for any personal effects that you have in the car, if they are lost or damaged because of an accident, fire theft or attempted theft. Cover and limits vary per insurer please ask an advisor for more information.

Can I pay for my car insurance in instalments?

Yes we offer a variety of instalment plans and are happy to spread the cost of your car insurance. Please ask any of or advisors for more information

What additional cover is available with my car insurance?

We can offer additional add-ons to most car insurance policies dependant on cover and age restrictions the consist of:
  • Breakdown Cover
  • Gap Insurance
  • Excess Buy Back Insurance
  • Motor Legal Protection Cover
  • Loss of keys Cover
  • Guaranteed Hire Car
Please speak to any of our advisors who will be happy to explain the benefits of these products.