Frequently Asked Questions

What type of car insurance cover is best for me?
Taking into account the different situations and circumstances, it would be best to ask your insurance agent to be able to get the appropriate policy for you. To get an idea on the cost involved, ask for a quote for all the 3 types motor insurance. This would help you decide what policy suits your need and your budget.

Can I choose not to have a motor insurance coverage?
No. Motor insurance is legally required. You simply can not drive a vehicle that is not covered by any motor insurance policy. Otherwise, you will be meted stiff penalties, such as a jail sentence, and fines. The government has intensified its crackdown on owning and driving a non-insured vehicle.

Why do costs of motor insurance cover vary so much?
An insurance company determines insurance costs through its underwriters who are responsible for underwriting the possible risk or cost of insurance that the company may have to shell out to the policy holder. In the UK the most determinant factors in the cost of motor insurance are the policyholder's age, the No Claims Bonus or Discount, insurance group ranking, engine size, the value, make and model of the car, prospective policyholder's history of accidents or motoring offences, and other considerations.

Are legal expenses covered by the policy?
Generally, yes. Most motor insurance policies offer coverage for legal expenses as part of it, or as an add-on.

What should I do if I have an accident?
Get as much on-spot information as possible. With a pen and paper, note down the names of probable witnesses and their addresses. Take pictures of the scene if you brought along a camera. And if possible, list down the unfolding sequence of events leading to the accident.

What happens if the policyholder is not the owner of the car?
A lot of motor insurance policies cover policyholders while driving a car that he does not own. But this is limited to third party only even if the policyholder's own vehicle is covered by a comprehensive policy. The insurance does not cover accidental damage to the borrowed car.