Please note these definitions are for guidance only. For full definitions please
refer to your policy document when received.
Third Party Only cover
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.
Third Party Fire and Theft cover
This covers third party risks as described in
point number 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 when we provide your quote. Audio
equipment cover is provided with a number of insurers and again, details will be
provided with your quotation.
Comprehensive cover
This includes the cover described points 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. All
insurers provide audio equipment cover. Details of the amount of cover will be provided
with your quotation.
Excess
This is the first part of each and every claim that 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.
Social, Domestic and Pleasure use (SD&P)
Excluding commuting - Social domestic
and pleasure purposes only.
Including commuting - This includes commuting to and
from one place of work.
Business use
This is use by the policyholder for their own business to travel
to more than one place of work and between places of work.
Foreign use
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 our quotation reply for further details.
Legal Protection cover
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.
For other products
please see the “products information (link) “ page’