General Insurance > House & Contents / Private Motor There is a wide range of policies on the market today offering protection for homes, holiday homes, investment properties and the contents within those properties. The market though is split between two types of cover and the insured person must be aware of the level they need, require, can afford and have ultimately selected. Listed or Defined Events is the lower level type of cover with Accidental Damage being the higher level of cover. Any decision made on the type of cover can only be made following a thorough examination of the individual needs of the insured and reading of the Policy Disclosure Statement.  Private Motor insurance is price driven on most occasions however each person’s individual or family needs must be taken into consideration before buying Motor Vehicle cover. The policy in its barest form is designed to pay for the cost of repairs as a result of an accident/ fire/ theft or at worst pay the value of the vehicle if as a result of an accident the vehicle is a total loss. All payments are made subject to the policy excess applicable including any excess for under age / inexperienced drivers. The market today is saturated with “special” offers or niche companies supplying insurance to very specific sectors of the market, be they clients or vehicles. You can have clauses to protect your No Claim Bonus, extra cover on hire following theft, windscreen cover and personal effects. Insuring the family car is no longer a simple choice. We have options available where you can insure direct with a Company via a link or if you require personal advice and are willing to pay for such advice we can provide a particular cover to suit your needs. |
