Accessories, which were not fitted by the original manufacturer, are not automatically covered. It is therefore your responsibility to obtain proof of the value of these items and ensure that they are specifically insured.

The insurance contract is a personal one. This means that our decision to insure you, and the premiums you were charged was based solely on our assessment of you. You therefore cannot transfer this cover to another person, not even your child. The position is the same if you are giving the car as a gift.

Your motor policy covers breakage of your windscreen or window up to a specified amount. There must be no other damage or injury apart from scratches caused by the shattering of the glass. Once this is the case the excess is not applicable and it will not affect your no claim discount.

This form is used by Insurers to gather information about the risk to be insured. For motor insurance some of the things insurers would be interested in are the person who owns the vehicle, the vehicle itself and the drivers. This will enable them to determine whether or not to accept a risk and the premium to charge. All the questions must, therefore, be answered truthfully and any material facts should be disclosed. A material fact is any information an Insurer would regard as likely to influence their assessment and acceptance of a risk.

Under the law, the Certificate of insurance is required as proof of the existence of insurance. It must be returned if the policy is suspended or cancelled. If it is lost, you should advise us immediately.

The law, which makes motor insurance compulsory, is called the Motor Vehicle Third Party Risks Law. The reference to third party is simply acknowledging that you have satisfied the legal requirements.