Motor Insurance

We will keep you on the road.

If you own the keys to a car or van, we offer comprehensive and commercial vehicle insurance, for people living in Cornwall, Devon, Somerset and Dorset.

So, wherever you go within the UK our car insurance protection can help with any issues that you may encounter on your journey.

Our vehicle insurance provides:

Comprehensive cover for your vehicle and your legal liability for personal injury to third parties or damage to third party property
New vehicle replacement for a car or van under 12 months old
Motor Legal expenses insurance which will help reclaim uninsured costs after an accident which was not your fault
Free of charge windscreen chip repairs
The option to include UK motor breakdown, recovery and home assist together with a further option to add European breakdown insurance (exceptions may apply)
Up to a maximum of 70% No Claims Discount (for private cars), with the option for both private cars and vans to protect your maximum No Claims Discount.
The option to reduce your premium by choosing a higher voluntary claims excess

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.

Thank you to the Cornish Mutual team for dealing with our recent claim so quickly and making the process very easy. I would kiss the Cornish Mutual team if I could and have recommended them to a friend today.

Mrs Nicholls, Motor Policyholder

Devon

Everything is taken care of by our Cornish Mutual Policy and I feel in safe hands.

Mark Clayton, Blowinghouse Garage

Cornwall

Our local insurance advisor lives less than a mile away and knows the area and our business very well. We use Cornish Mutual because they know the industry and they understand what we do.

Richard and Sarah Jones, Smeaton Farm

Cornwall

Frequently asked questions

Do you underwrite your own motor policies?

Yes, however please note the Motor Breakdown Solutions and Motor Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company.

Who do I call if my vehicle has broken down?

Your Motor Breakdown cover, if selected, is provided by Call Assist Limited, who are open 24/7. If you breakdown you can contact them on 01872 272178 in the UK or 00 44 01872 272178 if you’re outside the UK (if you hold European cover). Please try to have your policy number to hand.

Who should we use to replace a damaged windscreen?

Who you use to repair or replace your windscreen is your choice. We have an automated billing system with AutoGlass and National Windscreens.

AutoGlass have an automated Cornish Mutual line which is 0344 2480 085.

National Windscreens is a national line and is 0800 373 171.

I've paid the excess to the repairer of my damaged car. As the accident was not my fault will I be reimbursed?

If there is more than a 50% likelihood that you were not responsible for the accident, we will encourage your Legal Expenses Insurer – cover which is automatically provided in every Cornish Mutual Motor Policy – to seek recovery of your excess and any other reasonable expenses you have incurred from the negligent party.

Does your breakdown cover include livestock trailers?

Yes, both Horse or Livestock Trailers. The trailer must be:

• Towed by the Vehicle at the time of the breakdown
• Designed and manufactured specifically for the transportation of horses or livestock
• The total weight of the trailer, including any horses or livestock, must not exceed 3.5 tonnes

Who covers my Motor Legal Expenses?

Your Motor Legal Expenses cover is provided by ARAG and is available 24 hours, 365 days per year. You can contact them on 01872 272160.

Can I get a courtesy car or a hire vehicle?

The availability of a courtesy car is dependent on several factors. To find out more, read our Courtesy vehicles vs hire vehicles: Understanding the difference article.

Am I covered to drive another person's vehicle in an emergency?

Third party liability cover may be provided under your car insurance policy, however you should check your Motor Certificate first as strict criteria applies. Please note: where cover is provided it is limited to third party only and does not cover any damage to the vehicle itself.