If you're looking for peace of mind when it comes to car insurance, comprehensive insurance covers you for just about all losses. It's therefore useful to opt for this option if you don't want to risk paying out of pocket for expenses incurred if you were to make a claim.

Yes. If you have comprehensive car insurance, the stolen vehicle is covered and the insurer will pay the value of the stolen vehicle if it's not recovered. However, personal items such as phones and laptops won't be covered but these things may be insured under your home insurance.

Under comprehensive insurance you can usually drive any car but there are conditions.
Firstly, the car must already be covered by an existing insurance policy. Secondly, you must have permission to drive the car. You must also ensure that it's noted on your insurance  certificate as not all insurers automatically grant this.

If you're involved in an accident, third party fire & theft insurance will cover you for any damage to the other person's vehicle or injury to others if you're at fault. It won't cover you for damage to yourself or costs to repair your own vehicle. If you've got this level of car insurance and aren't at fault, then you can make a claim against the other driver.

Windscreen damage is only covered if it was caused by someone trying to break in or steal your car. Under other circumstances, windscreen repair would not be covered under third party fire & theft.

Third party fire & theft insurance covers you if your vehicle gets stolen or damaged by fire. It also includes damage to other people's property and injury to third parties.
In comparison, comprehensive insurance includes everything that third party fire & theft does but it also has the added protection of covering you, your passengers and your property if there's an accident or collision.

Windscreen damage is only covered if it was caused by someone trying to break in or steal your car. Under other circumstances, windscreen repair would not be covered under third party fire & theft.

Third party fire & theft insurance covers you if your vehicle gets stolen or damaged by fire. It also includes damage to other people's property and injury to third parties.

In comparison, comprehensive insurance includes everything that third party fire & theft does but it also has the added protection of covering you, your passengers and your property if there's an accident or collision.

The owner of the car is the person who bought it or the person who received it as a gift. This may also be a leasing company.

The registered keeper is the person named on the V5C log book and is the person who keeps the car on a day-to-day basis.

Yes! It’s required by law. You must have at least the minimum level of cover - which is Third Party Only. If you are caught without insurance, you face penalty points, a fine and possible prosecution.
However, you do not need car insurance if you declare your car as “off the road” using a SORN.

The main driver is the person who drives the most often. They are also the person who builds up a No Claims Bonus.

Named drivers are additional drivers who are entitled to drive your car but don’t drive it as often as the main driver. For example, a child might be a named driver on their parent’s policy or vice versa.

However be careful of "Fronting" - this is when you put someone down as a named driver but they actually drive their car all the time. Remember, this is illegal. You can add a named driver by getting in contact with us.

Whether you are at fault or not, you must declare all accidents that you’re involved in within the requested timeframe.

It can, yes.
Your premium is calculated based on risk. And the more you drive, the more likely you are to be involved in an accident. This increases your chances of making a claim compared to someone who does hardly any miles.

Therefore, the higher your annual mileage, the higher your premium may be. If you think that you might go over the mileage that you originally quoted, just let us know.

Modifications are changes made to a car that alter it from its original factory condition. They differ from optional extras, which are manufacturer-approved upgrades or add-ons offered by dealerships to enhance a vehicle’s features or appearance.

A modification is any change made to your car that makes it different to how it was when originally manufactured. These changes can affect the value of your car, or things like safety.

Modifications can also make the car more appealing to thieves which can increase the risk of it being stolen. Modifications include:

• Tinted windows
• Alloy wheels
• Suspension changes
• Entertainment systems
• Exhaust changes

We need to know about all modifications, whether performance enhancing or just cosmetic.

Where you park overnight can affect the cost of your policy as it affects how safe your car is: less safe equals more risk. For example, if you live in an area that has a high crime rate and you park your car on the street, this raises a red flag for insurers.

Wherever you park, the main thing is to be honest so we can cover you to the best of our ability should anything happen.

Social Only covers day-to-day driving, such as visiting family and friends or going shopping. It does not include driving to and from work.
Social and commuting covers everyday driving AND your commute to a permanent place of work.
Social, commuting and for business covers all of the above plus using your vehicle in connection with work beyond just commuting.

Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. But you will need permission to drive from the owner of the other car.

Some insurers but not all offer cover to include ‘Driving Other Cars’.
Back in the day if you had comprehensive car insurance you would be able to drive someone else car, but those days are long gone, so it's important not to assume you are covered to drive someone else’s car and risk facing points on your licence.

Where would I find this info?
You'll find out if you have ‘Driving Other Cars’ (DOC) on your car insurance cert.