Motor Insurance
It is important that you understand that any information, statements or answers made by you to us or your insurer are your responsibility and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any Insurers' Proposal Forms, as any failure to disclose facts material to the insurance or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters of information which may influence your Insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed at the earliest opportunity and certainly at each renewal. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect.
Motor insurance is not straight forward. There are differing levels of cover to consider, such as Third Party Only, Third Party Fire and Theft or Fully Comprehensive. Different policies from the many motor insurance providers offer a variety of additional protection options. It can be difficult to determine the right motor insurance for you, so you'll be pleased to know Haden Welbeck's team of experienced motor insurance advisors know how to find a great motor insurance deal for you and are available to offer intelligent, impartial advice, whenever you need it.
A brief explanation of Motor insurance cover options :
Third Party Only - Providing the minimum insurance cover required by law, Third Party Only covers your liability for the death or bodily injury to a third party (including other occupants of your vehicle) and your liability for damage to third party property. It does not cover you or your own vehicle.
Third Party, Fire and Theft - As with Third Party Only, but also covers your vehicle for fire damage and loss due to theft of your vehicle, insurance policy terms will apply. The amount of cover provided for the contents of your vehicle, including audio equipment, is especially likely to vary by policy.
Fully Comprehensive - This provides the full Third Party Fire and Theft cover as described above, in addition to loss of or damage to your own vehicle. Comprehensive motor insurance will usually cover you for some personal accident benefit in respect of injury to you or for your death, but this will vary across the many different policies. The amount of cover provided for the contents of your vehicle, including audio equipment, is especially likely to vary by policy.
Information about buying insurance and the 'keyfacts' documentation provided by insurers is provided by the Financial Services Authority on its website and can be accessed by clicking here
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