Motor Vehicle Insurance

Whether you want to insure your personal car, work vehicle or a fleet of commercial vehicles, we'll tailor a Motor Vehicle Insurance policy that suits your circumstances. We'll walk you through the levels of cover on offer and help you pick the option that gives you real value for money.

Covers your own loss and third-party damage, with optional extensions for a hire vehicle after an at-fault accident, windscreen damage and choice of repairer. Your vehicle can be insured for Market Value or Agreed Value.

Covers third-party property damage plus fire and theft of your own vehicle.

Covers third-party property damage you may have caused.

There's a lot of insurance jargon that can trip people up, and two of the most important terms to understand are Market Value and Agreed Value.

Market Value is the amount the insurer determines your car was worth on the open market immediately before an insured loss. It is generally based on factors such as the vehicle's age, condition, kilometres travelled and the market value of similar vehicles.

Market Value is not necessarily the trade-in value or the cost of replacing your vehicle with a new model. As your vehicle ages and depreciates, its Market Value may also reduce.

The amount payable following a claim will depend on the circumstances of the claim and the terms, conditions and excesses that apply under your policy.

Agreed Value is an amount you agree to with the insurer when you take out the policy - giving you certainty about what you'll receive if your car is written off. It's worth exploring if your car is vintage, luxury, rare, imported, modified, antique or high-powered. Agreed Value isn't available on every policy, so we'll help you find cover that fits.

Windscreen and Glass cover protects your windscreen and other car windows when damaged by an insured event under your policy. It's a common optional extra on comprehensive policies and often worth the small additional premium.

Hire car after accident cover is a lifesaver when your car is off the road for repairs. It's typically automatic if your vehicle is stolen, but not after an accident - don't assume you're covered without checking. Being without wheels while your car is repaired is a genuine hassle this cover can spare you.