Please note! We usually only offer Vehicle Insurance
cover to existing Members and their immediate families, or new
Members who are taking out other policies with us at the same
time.
Single vehicle insurance will apply to most
Members, as it is for those who want to insure just one, or only a
few vehicles. Each insurance quote is based on the vehicle's
individual features, such as make, model, age or value and its
drivers.
Fleet insurance is for those Members who are
insuring at least six vehicles all together and want the
flexibility of having their insurance priced on the fleet's overall
claims history.
Cover Options
There are three levels of cover available:
Comprehensive gives the widest cover. It
protects you against fire, theft and accidental damage to your own
vehicle, as well as any legal liability (such as injuries or damage
to other road users) from driving it.
Third Party, Fire & Theft includes the same
risks as a Comprehensive policy, except that you are not covered
for accidental damage to your own vehicle.
Third Party Only is limited to any legal
liability from driving the vehicle, and does not protect it against
damage, fire, being stolen, or any other kind of loss.
Whichever level of cover you choose, all our policies include
legal expenses insurance. This will help you to reclaim other,
uninsured costs after an accident which was not your fault. These
costs can include your policy excess, hire of a replacement
vehicle, additional transport costs and "out of pocket"
expenses.
No Claims Discount (NCD)
Many of our policies allow NCD to build up if you do not claim -
up to a maximum of 70% discount for a private car. Maximum NCD is
worth protecting, and we can do this for a small extra premium, as
long as you do not claim more than twice in any five-year
period.
When calculating your NCD, we do not count windscreen claims, or
claims that were not your fault (as long as we have been able to
recoup the full claim amount from the negligent party).
