Motor Insurance

Every road covered, every vehicle protected.

Comprehensive Motor Insurance for private cars, motorcycles, and commercial fleets - from Road Traffic Act minimum to full comprehensive cover, with a No Claims Discount of up to 65% on private motor.

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65%

MAX NO CLAIMS DISCOUNT

4 cover

levels available

4Cover levels

65%Max NCD discount

Lloyd'sReinsurance backing

16+Insurer partners

Who it's for

Private and commercial motor

One policy family for personal vehicles and business fleets - choose the cover level that fits your risk.

Private motor

Cars and motorcycles

Road Traffic Act through to comprehensive
Personal accident and medical benefits on comprehensive
No Claims Discount up to 65%
Driving other cars extension (third party)

Commercial motor

Fleets and business vehicles

Goods, passenger, agricultural, and special types
Loading and unloading liability
Trailer liability and fleet policies
Same cover levels from RTA to comprehensive

Cover options

Choose the right level of cover

Four standard cover levels - from the minimum legal requirement to full comprehensive protection.

Road Traffic Act Only

Minimum Legal Cover

Bodily injury or death to third parties including passengers
Indemnity for claimants' legal costs and expenses
Emergency medical treatment and hospital charges

The minimum cover required under the Roads and Road Traffic Act 2002.

Third Party Only

Standard Cover

All RTA cover included
Third party property damage
Cover for other cars driven with permission
Indemnity to employers and business partners
Legal costs in defence of a claim

Third Party, Fire & Theft

Extended Cover

All Third Party Only cover
Damage by fire, lightning, or explosion
Damage during attempted theft or while stolen
Theft and non-recovery of the vehicle

Loss of use is excluded.

Comprehensive

Full Cover

All Third Party, Fire & Theft cover
Accidental and malicious damage to your vehicle
Personal accident benefit for insured and spouse (private motor)
Medical expenses and personal belongings (private comprehensive)

Excludes wear & tear, mechanical/electrical failure, and tyre damage from punctures.

Commercial vehicles

What we insure

Commercial motor cover is available for four main categories of vehicle, each with specific considerations.

Goods-Carrying Vehicles

Trucks, lorries, vans, and all vehicles used for the carriage of goods - insured on a specified vehicle basis.

Passenger-Carrying Vehicles

Hire cars, buses, coaches, and minibuses used to carry passengers for reward.

Agriculture & Forestry Vehicles

Tractors, combine harvesters, and other vehicles used in farming or forestry operations.

Special Types

Ambulances, cranes, fork-lift trucks, and other vehicles of special construction.

Cover highlights

Key features of commercial motor cover

Commercial motor differs from private motor in several important ways.

Loading & Unloading

Third party liability extends to accidents occurring during loading or unloading of the vehicle.

Driver & User Indemnity

Cover for the driver acting on the insured's order or permission, and for any authorised user of the vehicle.

Passenger Indemnity

Liability to passengers is covered, including any claims arising while passengers are boarding or alighting.

Legal Costs

Legal costs in the defence of any covered claim are included as standard.

Trailer Liability

Third party cover while a trailer is attached to the insured vehicle. Some policies extend to comprehensive cover.

Important exclusions

What is not covered

Standard market exclusions apply to all motor policies - your broker will explain any that are relevant to your situation.

Unlicensed drivers

No cover if the driver does not hold a valid driving licence.

Use outside policy description

Cover is void if the vehicle is used for a purpose not described in the certificate.

War & radioactive risks

Standard exclusions for war, nuclear contamination, and explosive nuclear assembly.

Pollution & contamination

Excluded unless arising from a single identifiable accident event.

Motorcycle insurance

Cover for motorcycles & scooters

Motorcycle insurance follows the same four cover levels as private cars. The policy is specified to one motorcycle - all riders are covered by default only if you extend the liability section beyond the insured.

What's included

Same cover levels as private car
Third party liability
Fire & theft (on applicable plans)

What differs from car cover

No theft of accessories unless bike is stolen
Liability covers insured only by default
No personal accident / medical / personal effects

Key differences

How commercial motor differs from private motor

Commercial policies are tailored to fleet and business use - some personal benefits available on private motor policies do not apply.

No driving other vehicles benefit

Unlike private motor policies, the 'driving other cars' extension is not available on commercial motor.

No personal accident benefits

Personal accident, medical expenses, and personal belongings cover are not included in the standard commercial motor policy.

No personal effects cover

Loss of or damage to personal clothing or belongings is excluded from commercial motor cover.

How it works

Getting motor cover in 3 steps

Share your vehicle details

Tell us your vehicle type, year, and use - private car, motorcycle, or commercial fleet.

Choose your cover level

Your broker presents all four levels with premiums clearly laid out, including fleet options where relevant.

Policy issued

Certificate of insurance and cover note issued immediately on confirmation.

Cover starts as soon as your policy is confirmed.

Get a Quote

Frequently Asked Questions

Under Section 86(1) of the Road Traffic Act 2002, you must hold at least a Road Traffic Act (RTA) policy. This covers bodily injury and death to third parties (including passengers) arising from the use of your vehicle on a public road.