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

From April 2020 the new Civil Liability Bill comes 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. You will be liable for solicitors’ costs relating to claims up to £5,000 in respect of whiplash injuries following a motor accident due to the new civil liability bill unless you have pre-purchased motor legal expenses cover.

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


Cars for Young Drivers

Talk to the experts

  • This field is for validation purposes and should be left unchanged.