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Compulsory and voluntary excess

"Did you know that the majority of private car and commercial vehicle policies already have a compulsory policy excess, and any voluntary excess you have agreed to pay will be in addition to the compulsory policy excess already on the policy!"

Driving other cars extension

"Did you know that if you have private car insurance and are permitted under your insurance policy to drive any private motor car not belonging to you, owed to you or hired to you under a hire purchase agreement then this only permits you to drive other private motor cars only and does not extend cover to include commercial vehicles or motorbikes. It is only to be used in an emergency and does not provide cover for you to drive other vehicles on a regular basis. If the vehicle you are driving is not already insured and you are driving it under this extension of your policy then you will only be covered Third Party Only whilst actually driving it. Once the vehicle is left unattended on a public highway it is effectively uninsured, which is a criminal offence and the owner of the car may be liable to prosecution."

Adding a vehicle to your policy

"Did you know that a vehicle cannot be insured twice. If you want to add a vehicle onto your insurance policy temporarily, then you may only do so provided the vehicle is not already insured. If it is already insured then the only option available to you is to get the policyholder of the insured vehicle to add you onto their policy temporarily."

Leaving the keys in your car – the consequence’

"Did you know that if you leave your keys in a private car or commercial vehicle and then leave your vehicle unattended and it is then stolen, it is unlikely that your insurance company will pay for the loss of your vehicle. Always remove your keys and lock your car when your vehicle is left unattended even if you are just filling up with petrol or dropping something off quickly to a friends house."

Travel Insurance

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