Cover Types
The excess is two numbers added together and only one of them is yours to set
A compulsory excess is the insurer pricing a slice of risk it will not carry; a voluntary one is a trade…
· 3 min read
17 articles
Claims
How liability gets decided when both drivers are certain they were not at fault
Fault is a legal conclusion reached by negotiation between insurers on the evidence available, and the…
· 3 min read
Claims
What a write-off category means and how the settlement figure is put together
A total loss is an economic judgement about repair cost against value, and the category attached to it is a…
· 3 min read
Vehicle Costs
Servicing is two different jobs sold under one word
A scheduled service is a manufacturer’s prediction about wear; the work that follows an inspection is a…
· 3 min read
Vehicle Costs
A repair bill is mostly labour, and labour is priced by how hard the part is to reach
The cost of fixing a car has far less to do with the price of the component than with the hours needed to…
· 3 min read
Cover Types
A classic policy trades freedom of use for a price that reflects how little the car moves
Limited mileage, secure storage and an agreed value are conditions rather than benefits, and each one is a…
· 4 min read
Cover Types
Commuting, business use and hire or reward are three different jobs a car can do
Use classes exist because purpose, timing and mileage change the risk, and drifting from one class into the…
· 4 min read
Claims
Credit hire is a loan of a car, and the borrower is you
A replacement vehicle supplied on credit hire terms is charged at rates intended to be recovered from the…
· 4 min read
Premiums
The arithmetic behind deciding not to claim for a small amount of damage
Paying for minor damage yourself can be cheaper than claiming, but the comparison involves more moving…
· 3 min read
Cover Types
Taking a car across a border changes the cover before it changes anything else
A motor policy is written for a defined territory, and outside it cover frequently drops to whatever the…
· 3 min read
Claims
An approved repairer is an arrangement you join by default rather than choose
Repair networks exist because volume buys lower prices, and the benefits they carry for a policyholder come…
· 4 min read
Claims
A theft claim is an evidence exercise before it is a payment
Stolen vehicle claims are investigated more closely than collisions because the loss is total, the vehicle…
· 4 min read
Premiums
A new policy is provisional until the documents behind it have been checked
Cover usually starts before anyone has verified what you said, and the weeks that follow decide whether the…
· 3 min read
Young Drivers
Sharing one household car is a question about who uses it most, not who owns it
When several people drive the same vehicle the policy has to describe that honestly, and the main driver is…
· 4 min read
Vehicle Costs
An extended warranty is a bet on failure rates dressed as peace of mind
The product is priced from the same arithmetic as insurance, and its value depends almost entirely on the…
· 3 min read
Premiums
Sometimes no price appears at all, and that is a decision rather than a fault
A refusal, a referral or an implausibly high quotation are all underwriting outputs with reasons behind…
· 3 min read
Premiums
The price you pay divides into four parts and only one of them is the insurance
A motor premium is a risk cost, a loading for running the business, a tax and a set of fees, and knowing…
· 3 min read