Start with the car you drive, who uses it and the journeys you actually make. The main choice is between protection for damage to your own vehicle and a narrower arrangement focused on your liability for damage to other people’s property.
Individuals discussing everyday privately used vehicles, including any disclosed business use.
Comprehensive insurance can address insured damage to your own vehicle as well as third-party property liability. Third-party property insurance generally focuses on that liability and should not be assumed to repair your own car.
Check whether settlement uses an agreed value or market value and how accessories or modifications are treated. The standard excess and any additional driver excesses should be considered together.
Repairer choice, hire cars, glass, keys and replacement-vehicle benefits differ between policies. Look at the conditions and limits for the features you would rely on after an accident.
Tell us about regular drivers, overnight parking, modifications and any delivery, rideshare or work use. A private-car description should match the way the vehicle is used.
Provide vehicle and modifications, ownership or finance, drivers, garaging, annual use, business use and claims history.
Own-vehicle damage and liability to others differ. Review drivers, use, valuation, exclusions, excesses and any glass or replacement-vehicle benefits.
Tell us about your home, possessions and plans, and the questions you would like help with.
