This is the most basic insurance and covers your liability for death or bodily injury to a third party (including other occupants of your vehicle) and your liability for damage to third party property.

This covers third party risks as described at 1 above plus the risk of fire and theft in connection with your vehicle in accordance with relevant policy terms.

Some insurers will provide cover for the contents of the car and details will be provided with your online quote. Audio equipment cover is provided with a number of insurers and again, details will be provided with your quotation.

This includes the cover described at 1 and 2 above, as well as loss of or damage to your vehicle caused by accidental or malicious damage and generally includes some personal accident benefit in respect of personal injury to you or your death (please refer to your policy terms when received). Theft cover for the contents of your car is provided by most insurers but only to a specified amount and subject to policy terms. Details will be shown with your quotation. Audio equipment cover is provided by all insurers. Details of the amount of cover will be provided with your quotation.

This is the first part of each and every claim which you (not your insurer) must pay. There are two types of excess:
A compulsory excess - This is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess can, for example, be required if you drive a particular car, if you have protected no-claims discount or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft or windscreen claims.
A voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim than the compulsory excess.

Including commuting - This includes commuting to and from one place of work. Excluding commuting - Social domestic and pleasure purposes only.

This is use by the policyholder for their own business to travel to more than one place of work and between places of work.

All policies offered through us provide the minimum cover you require to drive in any of the EU countries.
To extend this to include your normal policy cover then you need to have a Green Card. Some insurers provide this free of charge. Please see online quotation for further details.

This is an additional policy that will safeguard you against the effects of uninsured losses as a result of an accident. Uninsured losses are things such as loss of earnings, personal injury, loss or damage to personal property and excesses under a comprehensive policy. The policy also includes free car hire, replacement car facility, credit repair and vehicle recovery.