Private, Classic and Business Cars, Bikes and Vans

Motor Insurance is available everywhere and most people base their decision on price alone. However, not all policies are the same and not all Insurers provide the same service in the event of a claim.

Whilst the core cover is standard throughout the UK, there are variations, particularly in regard to the following:

  • No Claims Discount Protection
  • Foreign Use
  • Breakdown
  • Legal Expenses (for the recovery of uninsured losses)*
  • Temporary Car Hire
  • Gap Cover

Motor Legal Expenses

Provided by ALP (Auto Legal Protection Service) who are market leaders in legal expenses products.

Policy features include:

  • Replacement Vehicle Costs
  • Policy Excess
  • Loss of Earnings
  • Loss of Use
  • Personal Injury Compensation
  • Vehicle Repair Costs
  • Out of Pocket Expenses
  • Damage to Personal Effects
  • Motor Prosecution Defence
  • Motor Contract Disputes

Emergency breakdown telephone numbers

  • RAC Breakdown cover: 0333 202 1867 and the agreement/cover number is IB202
  • Covea Motor Breakdown cover:  0330 159 0260
  • Kindertons Breakdown cover: 01384 887631
  • Zurich Motor Insurance Policy incorporating Breakdown cover: 0800 328 8740
  • Aviva Gold Breakdown cover: 0800 678 999
  • Axa Insurance incorporating Breakdown cover: 0330 024 8992
  • National Windscreens cover: 0800 373 171 please quote ref: 1002

Useful links

Temporary Car Insurance

Learner Driver

New Driver

Named Young Driver

Student

Cars for Young Drivers

 

*From April 2021 the new Civil Liability Bill will come into effect. This will change the way drivers claim for whiplash injury and further increases the need to ensure you have pre-purchased a motor legal expenses insurance policy. As a result of the Civil Liability Bill, you will be liable for any legal costs for pursuing claims of up to £5,000 in respect of whiplash injuries following a motor accident. However, if you have pre-purchased motor legal expenses cover then this will cover your legal fees so you can pay for a solicitor to pursue the claim on your behalf. A standard motor legal expenses could cover up to £100,000 in legal fees and typically cost around £3 a month in premiums.

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