Private Car Insurance
Private car insurance is a widely purchased insurance product on the market today. It is a compulsory requirement to hold private car insurance if you use your vehicle on the public highway. You are also required to hold valid insurance even if you do not drive the vehicle and it is kept on a public highway.
Private car insurance is offered at 3 levels of cover each with varying benefits
- Third party fire and theft
- Third party only
The widest and best cover available is comprehensive. If you purchase comprehensive insurance it would usually include benefits such as accidental damage, vandalism, fire and theft to your car regardless of who is to at fault, a limit of £20m to third party property or injury if you are at fault, a courtesy vehicle following a claim, windscreen cover, personal accident, replacement locks, cover for lack of wrong fuel, a benefit such as allowing you to drive another person’s vehicle with their permission.
The next level of cover is third party fire and theft which would be restricted cover and include fire and theft cover to your vehicle, a limit of £20m to third party property or injury if you are at fault, a benefit such as allowing you to drive another person’s vehicle with their permission.
The final option of third party only is less offered by motor insurers in recent years. This policy gives you legal right to drive on a public highway as this is a minimum requirement by law; it offers a limit of £20m to third party property or injury if you are at fault. However it does not offer any cover for your own vehicle.
You can purchase add on insurances with your private car insurance policy which are there to enhance the cover and/or benefits.
These can include:
- Legal assistance
- Theft protect
- Guaranteed hire vehicle
- Excess protect
- Boomerang tag
- Protected no claim bonus
- Personal accident cover
We have many different schemes for private car insurance and we can cater for many instances where you may need specialist assistance. We can offer introductory no claim bonus schemes, convicted driver schemes, second car schemes, multi-car schemes, mini fleet schemes to name a few.
We have over 40 years’ experience in the private car industry and in this time we have built up extensive knowledge and experience to assist our clients. In this time we have also built up strong relationships with our insurers which means by insuring with Herald Insurance you have access to all of our schemes and experience and still get a competitive and comprehensive car insurance policy.