Directline Car Insurance: Legal Protection

If you have a road traffic accident involving your car that is not your fault, you have a right to be able to claim back your uninsured losses from the driver responsible.
The hourly rate for a qualified solicitor or legal executive’s costs is likely to be in excess of £100. For less then £1.75 per month, our legal protection cover will provide up to £100,000 of legal costs to help you to recover losses that cannot be claimed from any insurance policy.

(Information taken from the 2005 Guide to the Summary Assessment of Costs. Source: www.courtservice.gov.uk)

Examples may include:

• Compensation for death or Injury

• Your car insurance excess under your comprehensive policy

• Accident repair costs if you do not have comprehensive cover

• Damage to your clothes, luggage or personal belongings if you do not have comprehensive cover

• Hire car costs

• Loss of earnings

This cover also provides protection for any one else authorised to drive or use the car and for any authorised passengers.

The solicitor acting for you will handle all aspects of your claim such as locating a specialist (i.e. a medical expert) should this be necessary as a result of injury resulting from the accident. The specialist charges will be met by this legal protection policy.

The appointed solicitor is regulated by the Law Society and, should you choose to appoint one of our solicitor’s, they will also have to operate under our own high service level protocols – ensuring that you receive the professional legal service you would expect.
All in all providing you with peace of mind and a hassle free solution when you need it most.

Link to previous article : Direct line Car Insurance Claims process
Other related articles:Types of cover:Directline Car Insurance
Direct Line Car Insurance:New improved car insurance
Directline Insurance: Frequently asked Claims questions

Directline Insurance: Frequently asked Claims questions

Q: Do I need to contact the police after an incident involving my car?
Q: What happens if my car is stolen?
Q: Who repairs my car?
Q: What happens if I want to use my own repairer?
Q: What is a total loss?
Q: If my vehicle is a total loss what will I receive in settlement?
Q: How long will it take to sort out my claim?
Q: What are the different levels of cover?
Q: What is a Policy Excess?
Q: What happens if the accident was not my fault?
Q: What happens if the accident was my fault?
Q: What if the other driver disputes the accident circumstances?
Q: What are Uninsured Losses?
Q: What measures do Direct Line take to prevent fraud?

Do I need to contact the police after an incident involving my car?

If your car has been stolen you should report the theft to the nearest Police
Station and obtain a crime reference number. If you have been involved in an
accident and there are injuries to another person you should also report the
accident to the Police.

What happens if my car is stolen?

The first thing you should do is report the theft to the nearest Police Station and
obtain a crime reference number.
Then contact our Personal Claims Advisers who will take the details from you.
After this, a number of insurance industry database checks designed to protect
our customers from fraud are carried out. A Claims Assessor may also be
appointed to discuss the claim with you.
When our enquiries are successfully completed an offer will be made to settle
your claim.

Who repairs my car?

One of our Network Repairers will repair your car. Our Network Repairers are approved garages which have been appointed by Direct Line to provide the highest customer service and quality of repairs for our customers.
In most cases the Network Repairer has the authority to carry out the repairs to your car immediately.
Each repair is carried out in accordance with recognised industry standards, it is guaranteed for at least 5 years and all replaced parts are approved by the car manufacturer.
Our own Engineers regularly visit the Network Repairers to ensure that our high quality standards are met.
We also have our own accident repair sites which allow us to understand the latest repair technology and ensure that the best possible standards are being adopted for our customers.

What happens if I want to use my own repairer?

You can use a repairer of your own choice but doing so means that we can't guarantee the work and you will need to obtain an estimate for us to approve before work can commence.

What is a total loss?

If the cost of repairs exceed the market value of your car then it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss.

If my vehicle is a total loss what will I receive in settlement?

A Direct Line Engineer, or one appointed by us, will inspect your car and place a value on it. We obtain our valuation by researching market trends and car value guides.
We take into account the condition of the car before the incident took place including the bodywork, mileage and interior.
The engineer will contact you to discuss the valuation and, once settlement has been agreed, they will arrange for your Personal Claims Adviser to carry out a series of industry database checks designed to safeguard our policyholders against fraud. Once these have been successfully completed, payment will be sent to you, subject to the deduction of any excess.

How long will it take to sort out my claim?

When you call to register your claim a Personal Claims Adviser will give you an approximate indication of the timescales involved.

What are the different levels of cover?

Comprehensive - This gives you both of the cover elements below and also covers accidental damage to your car.

Third Party Fire and Theft - Covers you for claims made by other people for bodily injury or damage to their property following an accident, plus your car is covered if it is stolen or damaged by fire.

Third Party Only - Covers you for claims made by other people for bodily injury or damage to their property following an accident.

What is a Policy Excess?

This is the part of the claim that you agree to pay - we cover you for the remaining amount. The Personal Claims Advisor will inform you of the amount and details can also be found in your policy schedule. You should get the excess back if an incident is proven to be the fault of another driver and, if you have Direct Line Car Legal Protection cover, we will attempt to regain any uninsured losses on your behalf. You will only pay an excess when there is damage to your car or if it has been stolen.

What happens if the accident was not my fault?

Our first priority is to get your car repaired or settlement to you if it is a total loss.
After this, we will try to recover our outlay from the person responsible for the accident. If we are successful then making the claim will not affect your No Claims Discount. If you have Direct Line Car Legal Protection cover we will also include in our recovery any uninsured losses that you can not recover from any insurance policy.
If the incident circumstances are straightforward this is usually a short process and, whilst in the majority of cases we are successful, we can't guarantee to always get our money back as sometimes the unexpected does happen.

What happens if the accident was my fault?

If you have comprehensive cover we will arrange the repairs to your vehicle or it's inspection if it is likely to be a total loss and we will also handle the other driver's claim as quickly as possible.
If you receive any correspondence from the other driver or their insurers please forward it to us and we will respond on your behalf.

What if the other driver disputes the accident circumstances?

We will do our very best to persuade the other driver, or their insurer, that the accident was their fault by presenting them with all the evidence we have gathered and you have provided us with.
We will always attempt to defend your position, but on occasions if the evidence does not fully support either driver's version of the incident, everybody involved may have to take some responsibility. If this happens we will negotiate the best possible settlement with the other driver.

What are Uninsured Losses?

Uninsured losses are costs for which you are responsible. Examples are, the policy excess, the cost of a hire car and any medical expenses you may incur. However, if you have Direct Line Car Legal Protection cover we will pay any reasonable cost of legal proceedings against another person who is responsible for the accident, if it results in injury to you or uninsured losses being incurred.

What measures do Direct Line take to prevent fraud?

Our main aim is to ensure that our honest customers, which of course are the vast majority, are back on the road as soon as possible. However, we know that fraud is a reality and that a very small number of people provide false details in order to make up, or inflate claims. We believe that it is important that we identify these people and avoid paying such claims as they affect the cost of motor insurance for everybody. As fraud is a criminal offence, we believe it is our duty to forward details of fraud to the Police.
There are a number of insurance industry databases through which we share information with other companies about claims and fraudsters. This allows us to use the latest technology to make many checks looking for unusual features and fraud. We also share some information about fraud with other companies within the financial industry, the Police and other bodies where the law allows us to do so.

These pages are for information purposes only. They do not form part of the contract of insurance.

Link to previous article : Direct line Car Insurance Claims process
Other related articles:Types of cover:Directline Car Insurance
Direct Line Car Insurance:New improved car insurance

Direct line Car Insurance Claims process

Need to make a claim? We're here to get you back on the road

If your car has been stolen you should report the theft to the nearest Police
Station and obtain a crime reference number before calling us.

Call: 0845 246 2367

Lines open: 8am-9pm Monday to Friday, 9am-5pm on Saturday and 11am-5pm on Sunday.

Out of hours call: 24-hour Accident Recovery Helpline

Call: 0800 269 015
Calls may be recorded

What happens next?

• When you phone, a Personal Claims Adviser will take the details of the incident and the crime reference number, if you have one.

• Your policy cover will be reviewed.

• We will confirm the amount of any excess which may apply.

• If the damage to your car is covered, we can arrange for the work to be
carried out by one of our recommended repairers (if available).

• If the car is a total loss we will arrange settlement.

Link to previous article : Types of cover: Directline Car Insurance

Types of cover:Directline Car Insurance

1. Third Party Fire & Theft (TPF&T)

This covers you if other people claim against you for injury or damage to their car or property, and if your car is stolen or damaged by fire.

2. Comprehensive

As Third Party Fire and Theft plus accidental damage cover to your car plus cover for personal belongings, medical expenses and personal accident cover. Subject to selected levels of cover.

3. Third Party Only (TPO)

Covers liability to third parties i.e. claims made by third parties, against you, for bodily injury or damage to their property. Please call us for details.



And that's not all:
• Accident Action Pack – what to do if you have an accident

• 24 Hour Accident Helpline – expert help and advice at any time

• 24 Hour Windscreen Helpline if your windscreen is damaged

• Windscreen Repair for damaged windscreens (Comprehensive only)

• Legal Protection (optional) - to recover your uninsured losses

Link to previous article : Direct Line Car Insurance:New improved car insurance

FAQ - Pay As You Drive insurance - Norwich Union

• Eligibility

• Cover

• Premium

• Installation

• Billing

• Important Policy Information

Eligibility

1) I'm looking for short term cover for my car- is this product suitable for me?

No. "Pay As You Drive"™ insurance is an annual policy so is not suitable as short term cover. Norwich Union Direct is however, able to offer a tailored short term policy available on this website.

2) Why are vehicles which are older than 1990 ineligible for this product?

Our research has found that there can be problems fitting the in-car device to cars manufactured before this date.

Cover

3) How quickly will I be able to cover my car with "Pay As You Drive"™ insurance?

Norwich Union will be able to place you on cover immediately. You will be charged a base premium and flat rate charge (which will be confirmed with you) until the in-car device has been fitted in your car.

4) Can I have "Pay As You Drive"™ insurance if I'm interested in third party fire and theft cover only?

"Pay As You Drive"™ insurance is a comprehensive policy so Norwich Union are unable to offer third party fire and theft cover

5) Can I earn No Claims discount and will I be able to protect it?

With "Pay As You Drive"™ insurance you can earn No Claims Discount as usual, with the opportunity to protect it once you have reached 4 years discount. Once your No Claims Discount has been protected you can have 2 at fault claims in a 3 year period before any discount will be lost.

6) Can I drive other people's cars with "Pay As You Drive"™ insurance?

No. "Pay As You Drive"™ insurance premiums are based on actual vehicle usage as measured by the in-car device, therefore it is not appropriate to offer this cover under this policy.

7) What happens if I want to drive my car abroad?

With "Pay As You Drive"™ insurance you can easily be covered should you wish to drive abroad, just let us know when you take out your policy or advise us prior to travelling. A Foreign Use tariff, which will be advised to you on illustration, will be applied to any usage of your car outside of Great Britain.
Premium
8) If I drive quite often at night will "Pay As You Drive"™ cost me much more?

If you are aged 23 and under and intend to drive less than about 60 miles per month between 11pm and 6am then "Pay As You Drive"™ insurance could be suitable for you.

9) Could I actually end up paying more for my insurance with "Pay As You Drive"™?

Costs are dependent on your driving, so Norwich Union have included an important premium guarantee for the first year. If the total of the monthly premiums paid in return for cover under your insurance policy for the first 12 months is greater than the total amount you would have paid for the same period under a Norwich Union Direct motor insurance policy, then Norwich Union will refund you the difference

Installation

10) Will I be able to have the installation done at home or work?

Yes, RAC In-car Services will arrange to fit the in-car device at the most convenient location for you, so this can be at home, work or at one of the RAC Auto Windscreen centres.

11) How will installing the in-car device affect my car's warranty?

The Norwich Union Direct installation guidelines ensure that all installations are completed to the industry standards MPT1362, these guidelines protect the vehicle manufacturer's warranties.

12) What happens if I change my car?

Should you wish to change your car during the insurance period and retain your "Pay As You Drive"™ insurance policy, please notify us as early as possible of the intended car change. Norwich Union recommend you leave the in-car device in the current car and order a new in-car device for installation in your new car.

Billing

13) What sort of journey information can I expect to see on my itemised monthly bill?

Each month you will receive a bill which shows all journeys over 0.5 miles and the cost of each journey over the previous month (similar to a mobile phone bill). If you do not wish for this detail you will have the opportunity to opt out of itemised billing.

14) What happens if I disagree with anything on my bill?

Norwich Union will use the most accurate data possible when compiling your bill. Should you disagree with any information contained in your bill and your interpretation of a journey, you should contact us with your bill enquiry immediately so Norwich Union can investigate any discrepancy further.

15) Can I pay for "Pay As You Drive"™ insurance on an annual basis?

No. "Pay As You Drive"™ insurance is only available as a monthly paid policy, so you will need to have a direct debit facility to take out a policy with us. Norwich Union do not, hoNorwich Unionver, charge an additional cost for this service.

Link to previous article Norwich Union Pay As You Drive™ overview

Norwich Union Pay As You Drive™ overview

"Pay As You Drive"™ overview

"Pay As You Drive"™ insurance, which is a new and fairer way to insure your car, is designed for people who don't use their car as much as others. You simply pay variable costs based on when and where and how far you drive plus a fixed monthly fee.


Car Insurance is now fairer by miles
• If you drive less than 6000 miles, "Pay As You Drive"™ could save you up to 30% on your car insurance*.

• A Global Positioning System (GPS) is fitted to your car for free. The GPS allows us to work out how you use you car, so you can enjoy a fairer premium.

• Norwich Union even include as standard an assistance button that provides you with around the clock access to help in the event of an accident or breakdown.

• That's not all - you'll also receive a 30 day free trial of satellite navigation. It's really easy to use, and a great way to make sure you never get lost.

* 24% of "Pay As You Drive"™ Pilot customers would have saved up to 30% compared to a standard Norwich Union Motor Insurance premium


The Benefits

Our award winning "Pay As You Drive"™ insurance offers you a unique way to help control your costs. You get great cover and much, much more.

Fairer pricing

"Pay As You Drive"™ is a unique form of car insurance with a fairer price.
You pay a monthly charge which is personal to you. It's made up of a fixed charge and an amount you control according to when, where and how far you drive

Comprehensive cover

Norwich Union haven't compromised on cover - you still get all you would expect from a comprehensive Norwich Union policy. So you are always covered for accidental damage, fire and theft.
There are also a number of additional services such as Norwich Union Rescue, and itemised billing that you can take advantage of.

Assistance button

"Pay As You Drive"™ insurance includes an assistance button fitted discreetly in your car. Just press the button to link directly to a personal assistant who can provide help, around the clock, if you break down or have an accident. You won’t have to remember any telephone numbers or even know where you are.

Satellite navigation - 30 day free trial

You also get to try Smartnav, an award-winning satellite navigation system, for a 30 day free trial. Press the assistance button to get clear directions to any location - so you can drive somewhere new with confidence. It's hassle free - no complicated maps or screens, just simple voice instructions at every turn.

If you like your trial you can choose to buy a 'pay as you go' service, or there's a subscription for drivers who want to use Smartnav more often.

Speed camera alert - 30 day free trial

In addition Norwich Union offer give you a 30 day free trial of Safe Speed. This alerts you when you approach areas monitored by most types of safety cameras, helping you to drive more safely.

Safe Speed is also available on a subscription basis after the trial period.

24% of "Pay As You Drive"™ Pilot customers would have saved up to 30% compared to a standard Norwich Union Motor Insurance premium

Link to previous article Review of Norwich Union Breakdown Cover

Review of Norwich Union Breakdown Cover

Key Features of Norwich Union Breakdown Cover

• Norwich Union is owned by Aviva who also own The RAC .

• Breakdown cover is tailored to your needs – hence you get to select what you want.

• 30% No call out discount for vehicles less than 12 years old

• Breakdown policy cover for cars, motorbikes and for vans (size & weight restrictions apply)

• Average breakdown response time less than an hour – which is very good.

Advantages of Norwich Union Breakdown Cover.

• 80 % of vehicles fixed at the roadside –meaning you get the mobility instantly

• Monthly installment option at no extra cost (payable in 4 equal installments over the first 4 months of cover).

• Affiliated with the RAC.

• Well known company name.

• Allows you to get all your insurance products from one supplier .

Disadvantages of Norwich Union Breakdown Cover.

• Cover is vehicle based, so if you want personal cover you have to pay extra.

• Can work out expensive if you have the wrong type of car or if it's over a certain age .

Our review of Norwich Union Cover.

The Norwich Union is a more recent entry into the breakdown services sector, however, with it's strong links to the RAC it's service and it's products are very similar. Because of the way The Norwich Union calculate premiums, cover for some cars can prove to be cheaper.

Other user reviews about Norwich Union:

Advantages Competitive quotes, Good deals for young drivers, Additional cover

Disadvantages Poor customer service, Zero representation, Long On hold times

Link to Previous article :FAQ about Norwich Union Breakdown Cover

FAQ about Norwich Union Breakdown Cover

Your questions & Our answers

1. For what type of vehicles can I take out Norwich Union Rescue breakdown insurance?

Norwich Union Rescue is available when you are travelling in a car, van, or on a motorcycle, which complies with the following restrictions:
• Maximum vehicle Norwich Unionight -3,500kg
• Maximum vehicle length (vehicles other than cars) - 5.5 metres
• Maximum vehicle width -2.3 metres
NB - Motorcycles cannot be covered as the sole vehicle under vehicle based breakdown cover. Cover is only available as a secondary vehicle under the "personal cover" options

2. Do I need Norwich Union Insurance cover to take out Norwich Union Rescue breakdown insurance?

No - Norwich Union Rescue is available on its own.

3. Can I be covered when getting a lift in other people's vehicles?

Yes, if you select personal cover you can use your Norwich Union Rescue when getting a lift, you can also cover another member of your household if you select Joint personal cover.

4. Can I add European breakdown cover to my Norwich Union Rescue policy?

Yes, you can add European breakdown cover to any of the Norwich Union Rescue options.

5. Can I cover my caravan for breakdown?

Provided it is attached to your vehicle when you breakdown, Norwich Union Rescue can also recover your caravan. There are certain restrictions that apply.

6. Am I covered if I have an accident?

Towing following an accident, fire, theft or act of vandalism or other incident is normally covered by your motor insurance. If you have comprehensive motor insurance with Norwich Union Norwich Union can arrange this for you, if you have Third party fire and theft cover Norwich Union can arrange this but you may be charged for this service.
If your motor insurance is not with Norwich Union you will be liable to pay us the costs of removal. (Subject to the terms of your motor insurance policy, you may be able to reclaim these costs through your motor insurance)

7. How quickly do you come and get me if I break down?

If you find yourself in a vulnerable situation Norwich Union will prioritise your request for help. Norwich Union can also stay on the phone and call the police if necessary. Our average response time is under an hour.

8. How does the special medical assistance work?

Special medical assistance is included if you select Onward Travel for your UK breakdown insurance cover. If you or one of your passengers is taken into hospital more than 20 miles from home Norwich Union arrange and pay for overnight accommodation, and arrange for an ambulance to take the patient to a local hospital near their home.

9. Is it safe to use my credit/debit card on your site?

Norwich Union Rescue appreciates the importance of protecting our clients' personal information from possible security risks, and therefore all of your personal information you enter into our quote form is protected using SSL encryption technology, which works with your Internet browser to protect the data.
For a number of credit and debit cards Norwich Union require a Card Security code (also known as CVV2 or Card Verification Value) which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.

10. Can I get instant breakdown cover with Norwich Union Rescue?

If you pay by either a Credit or Debit card online, Norwich Union Rescue can provide you with instant breakdown cover.

11. Can I pay monthly with Norwich Union Rescue?

Norwich Union have a unique premium payment option, so you can split out your payments evenly across the first four months of your breakdown cover period. These monthly premiums are interest free.

If you can't find the answer you are looking for please call us on 0800 096 4704 and Norwich Union will be happy to help you with any Breakdown insurance questions you may have. (lines available Mon-Fri 8am-10pm, Sat 8am-6pm, Sun 10am-4pm)

Link to Previous article :Norwich Union Breakdown Cover

Norwich Union Breakdown Cover

Breakdown cover overview

Unlike some other breakdown service providers, Norwich Union does not charge a flat rate. Norwich Union takes into account your unique set of circumstances and calculate a premium according to who you are.
This way, you will only pay for the service which you are likely to need. Norwich Union also provide a range of roadside assistance

Our breakdown cover is competitively priced. The following table shows a comparison against other providers:


Provider: ---- Prices
Green Flag Recovery Plus ---- £89
Direct Line Recovery Plus ---- £101
Norwich Union Direct Rescue/recovery/at home and onward travel ---- £54

Prices based on a 27 year old male living in Colwyn Bay driving a 2000 Ford Fiesta 1.3i. Prices correct as at 8th August 2005, source www.directline.com and www.greenflag.co.uk Norwich Union Rescue price is based on named vehicle breakdown cover - personal cover options are available on request.

Benefits of Norwich Union Rescue breakdown cover

• 80% of vehicles fixed at the roadside

• Priority response if you're in a vulnerable situation

• You build the breakdown insurance product you choose

• 30% "No call out" discount for vehicles less than 12 years old

• Interest-free monthly payment option

• Receive the latest travel news direct to your mobile phone with our travel line 1745 service.

* If you have not utilised a breakdown service in the past 12 months.

Breakdown cover from Norwich Union

For further information on our breakdown insurance cover, additional options and policy benefits:

• Cover options

• Summary of cover

• Additional cover information

If you can't find the answer you are looking for please call us on 0800 096 4704 and Norwich Union will be happy to help you with any Breakdown insurance questions you may have. (lines available Mon-Fri 8am-10pm, Sat 8am-6pm, Sun 10am-4pm)

Link to Previous article :Norwich Union Car Insurance FAQ

Norwich Union Car Insurance FAQ

Please read our FAQ section to find answers to the most common car insurance and motor insurance related questions.

Your questions & Our answers

– FAQ about Norwich Union Car Insurance

1. Why can't I find my car's make & model by its registration number?
If you find your vehicle's registration number doesn't return your vehicle's details on our quote form, you can also enter the vehicle's year of manufacture, make and model to assist your search. If you are still unable to find your vehicle's details, please contact Norwich Union team on 0800 092 9561 who will be happy to help you.

2. What is an excess?
An excess is a contributory amount you pay, when making a claim, hoNorwich Unionver if the claim is deemed not to be your fault, it may be possible to recover your excess from the party deemed to be at fault.

3. If I've been named on another policy, am I entitled to any no claims discount?
Norwich Union Direct like most insurers, will only reward the actual policy holder with no claims discount.
HoNorwich Unionver, if you have been claims free Norwich Union may be able to give some type of introductory discount. Young drivers may also receive a discount if they have completed the Pass Plus course and are an existing Rapid Bonus policy holder.

4. What happens if I have an accident?
Depending on your car cover, Norwich Union can arrange for your vehicle to be recovered and you and your passengers taken home or to your destination safely.

5. What if I am making a claim?
You should contact our freephone 24-hour claims service on - 0800 222400, where an incident manager will record details of the incident and will start sorting out your problem immediately. There are no forms to fill in, and the incident manager will confirm: - Whether your policy covers you for the incident; - What you will have to pay; and - All the steps involved in your claim being settled

6. How do I get about whilst my car is being repaired?
If you have opted for courtesy car cover, a courtesy car is provided by our approved repairers, and is available for the duration of any repairs to your vehicle. If a car is stolen or a total loss, Norwich Union will guarantee a hire car until an offer is made to settle the claim- subject to a maximum of 14 days.

7. What is legal cover?
Our legal cover provides legal advice via a 24 hour, 365 days a year helpline. Legal cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. Norwich Union will provide up to £50,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).

8. Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union, to the minimum level of insurance required (Usually third party only).
If you require a higher level of cover Norwich Union can offer you Foreign Use additional cover.
9. What is protected No claims Discount?
With Norwich Union Direct, clients can protect their no claims discount for up two at fault claims in any 5-year period. This means that if your car is stolen, or you have no other party to claim against, you wont have to lose your no claims discount as Norwich Unionll. Clients must have at least 4 years no claims discount and be over 21 years old in order to be eligible.

10. Do I need to provide proof of my no claims discount?
Norwich Union may ask you to provide proof of your NCD at any stage during the period of insurance. This could take the form of a renewal notice from your previous insurance company, or a letter on headed paper from that company.

11. Do I need business use to drive to work?
No, under our insurance policy you can drive your vehicle back and forth to the same place of work using social, domestic and commuting purposes. Norwich Union can hoNorwich Unionver increase your cover if you need to use your vehicle to visit any other sites of business during the working day; Norwich Union will not hoNorwich Unionver cover any goods or samples carried in connection with business use.

12. Is it safe to use my credit/debit card on your site?
Norwich Union Direct appreciates the importance of protecting our client's personal information from possible security risks, and therefore all of your personal information you enter into our quote form is protected using SSL encryption technology, which works with your Internet browser to protect the data.
For a number of credit and debit cards Norwich Union require a Card Security code (also known as CVV2 or Card Verification Value) which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.

13. Can I get instant cover with Norwich Union Direct?
If you pay by either a Credit or Debit card online, Norwich Union Direct can provide you with instant cover.

14. Can I pay monthly with Norwich Union Direct?
Yes you can, our usual terms and conditions will apply.

If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Norwich Union Rapid Bonus Car Insurance Policy

Rapid Bonus

Norwich Union understands that young drivers taking out car insurance want to be able to build up no claims discount quickly. Our Rapid bonus comprehensive car insurance policy allows young drivers to do this.

What is Rapid Bonus?

Rapid Bonus is a specific young driver car insurance policy. It allows young drivers to build up their No Claims Discount quickly - hence develop lower future motor insurance premiums. Young drivers can also benefit from an additional discount if they complete 'Pass Plus'.
Rapid Bonus policies run for 9 months instead of 12 which means that if you don't claim, you get the equivalent of 1 year's No Claims Discount* in just 9 months, provided you renew your policy with Norwich Union.
This also means that in a 5 year period you could gain full No Claim Discount 15 months earlier. Based on a customer who starts with nil No Claims Discount (NCD).
* Norwich Union cannot guarantee that other insurers will accept the NCD proof.

Who qualifies for Rapid Bonus?

Young drivers that qualify are:

• Aged between 17-29

• Have no claims, accidents or convictions

• Have less than 4 years No Claim Discount

• Drive a ‘Group 15’ car or less

• Requiring a Comprehensive car insurance policy

What is covered?

This covers the basic module of Norwich Union Direct's car policy, our comprehensive car insurance cover.



All examples are based on customers who do not have any NCD-entitlement when they take out their policy and who remain claim-free for the life of their policy.

How do I obtain a Rapid Bonus Quote?

Please call 0800 092 9564 and ask for a Rapid Bonus quote. Unfortunately Norwich Union cannot offer a Rapid Bonus quote online at present.

Link to previous article Car Insurance from Norwich Union

Car Insurance from Norwich Union

Find out what our car insurance covers:
• Third party fire and theft cover
• Additional car cover options
• Young drivers car insurance available through our Rapid Bonus plan
• Classic car insurance
• Grey import car insurance
If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Third party, fire and theft car insurance cover

New customer?

Third party, fire and theft cover is provided by Premium Search (not Norwich Union Direct), who will search a panel of up to 22 leading insurers on your behalf to find you the best quote.

Get a Third Party, Fire & Theft Car Insurance

Third Party, Fire & Theft car insurance is introduced by Norwich Union Insurance Services Limited (Registered Office: St Helens, 1 Undershaft, London, EC3P 3DQ) to Premium Search, a trading name used under licence by BDML Connect Limited.

Existing customer?

If your policy number starts with either MOT/ PGM/ HPI / CVM / CHM / BSN and you require further information please call Norwich Union Direct on 0800 092 9564 and Norwich Union will be happy to help you.
Alternatively, if your policy number starts with 'NUPS' and you require assistance or would like to access the policy wording, please call Premium Search on 0870 2420048, and one of the dedicated team will be happy to help you.

Norwich Union Rescue Vehicle Cover

New! - Breakdown cover can now be included as part your Norwich Union Direct car insurance quote.

Benefits of Norwich Union Rescue Vehicle Cover

• £5 online discount is included if you select breakdown cover as part of your car quote
• 80% of vehicles can be fixed at the roadside
• Our policy is rated according to your personal details so you only pay for the cover you need
• Priority is given to customers who break down in a vulnerable situation
Unlike some other breakdown providers, Norwich Union don't charge a flat rate so you only pay for the service you need. Norwich Union provide a range of options that vary in cost, and cover starts from just £22.

Legal services

Our Legal services additional cover option can be taken out with either our comprehensive or our third party fire and theft car insurance plans.

What is covered

• Norwich Union'll cover you for up to £10,000 in legal costs to defend a motoring prosecution following an accident (though not drink or drug related offences).

• And Norwich Union'll cover you for up to £50,000 in legal costs for you, your passengers or an authorised driver, to pursue your case after a motor accident.

• Norwich Union also provide a 24-hour legal helpline, which gives you free confidential legal advice from an expert, so all you pay for is the phone call.

• Legal assistance is also available to recover any uninsured losses, such as your policy excess, medical fees or damages for injury after a motor accident.

Courtesy car

Our courtesy car options can be taken out with both comprehensive and third party fire and theft covers.
Two groups of courtesy car cover are available for a small additional charge:
Standard Courtesy Car Cover
Designed to keep you mobile during the period of your claim, this option will cater for most customer needs. A standard courtesy car is a small, 3 door, 1 litre hatchback.

Enhanced Courtesy Car Cover

Norwich Union recognise that not all people needs are the same, and as a result Norwich Union offer a larger courtesy car. An enhanced courtesy car is a 5 door car with a 1.6 litre engine and room to seat 5 people.
This option is best suited to customers who already have a larger car and use it for situations like, the school run, have small children and need room for a pram, or use their car for business which may involve a lot of motorway driving.
Both options provide a courtesy car for the duration of repairs or in the case of theft and total loss, either up to a maximum of 14 days or until the claim is settled, whichever is sooner.
To receive the courtesy car you must use one of our approved repairers.

Physio Fast

Physio Fast is a comprehensive physiotherapy cover to help you recover if you've been involved in a car accident.
Approximately 80% of all personal injury claims involve 'soft tissue' or 'whiplash' injuries and medical research strongly suggests early diagnosis and treatment significantly increase your chances of making a full and speedy recovery.
For just £15 a year you can add Physio Fast to your comprehensive motor insurance policy. This unique cover gives you:
• Speedy referral to a fully qualified chartered physiotherapist in your area
• An initial consultation to determine the suitability and level of treatment required
• Up to 8 treatment sessions
• Full report will be sent to your GP on completion of your treatment.
At just £15 per year, this cover represents fantastic value for money
What is covered
• Physiotherapy treatment from a Norwich Union appointed Chartered Physiotherapist who is of the opinion that treatment will help your recovery. The most Norwich Union pay for each injured person is £400.
• Fast track applications - you are contacted normally within 48 hours of your request.
• You are covered even if the accident was your fault, there's no impact on NCD (claims including your vehicle still affect your NCD), and your passengers also benefit from this fast track service.
What is not covered
• Physiotherapy will end once the Physiotherapist considers additional treatments will provide no further assistance to your recovery, or the limit (above) has been reached, whichever is sooner.

European Breakdown

Our European protection option is European breakdown cover that can be taken out with our Comprehensive or Third party fire and theft car insurance policy.
• Just call 0800-092-9561 for an immediate quote

What is covered

• Hire car for up to 14 days following a claim
• And there's a rescue and recovery service in the UK, while you're travelling to and from the port
• Vehicle repatriation will ensure that you vehicle is recovered back to your home.

Travel abroad

What is covered
• Your policy will automatically provide the minimum cover required to travel in most European countries.
• This can be upgraded for an additional annual premium of £26.25 to give you the same cover as you have in the UK for travel within the following countries:
Andorra, Austria, Belgium, Czech Republic, Denmark (inc Faroe Islands), Finland, France (inc Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Portugal, San Marino, Slovakia, Spain, SNorwich Unionden, Switzerland, Vatican City.
If the country you wish to travel in does not appear in the list above, please call 0800 092 9564 and one of our advisors will help you.
• For greater protection and peace of mind, why not add our European Breakdown Protection.
• Please be aware that Legal cover and Courtesy Car cover will only extend for use in Europe if European Breakdown Protection is also purchased

If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Link to Previous article : Norwich Union Cover options & additional information

Norwich Union Cover options & additional information

Cover options & additional information

To provide you with the flexible car insurance cover you want, Norwich Union offers a number of optional extras you can add to the policy of your choice, in addition to our standard comprehensive and third party fire and theft car insurance plans.

Our standard plans:

• Comprehensive cover

• Third party fire and theft cover

Additional cover options:

• Norwich Union Direct Breakdown Cover

• Legal services

• Courtesy Car

• Physio Fast

• European breakdown

• Travel abroad

Save up to 10% on comprehensive car insurance online now

Whether you are a young driver, a classic car owner or simply looking for an online car insurance quote, Norwich Union can help.

Norwich Union offer comprehensive and third party fire and theft car insurance quotes online. Norwich Union also offer additional cover options which allow you to upgrade your car cover.

Classic car owners can get an indication of their classic car insurance premium online and can insure their cars through us by calling 0845 300 0327.

Norwich Union also offer young driver car insurance through our Rapid Bonus policies.

Norwich Union Comprehensive Car Insurance cover

Comprehensive car insurance cover

From satellite navigation to windscreens, accidental damage to third party liability, comprehensive car insurance from Norwich Union has what you need from a car insurance company.
Additional car cover is also available to ensure all your motor insurance needs are met.

What is covered?

• Loss of, theft or damage to your car
• Accident recovery
• New car replacement
• Liability to third parties
• Injury to you or your partner
• Medical expenses
• Emergency medical treatment
• Personal belongings
• No claim discount
• Glass in windscreens, sunroofs and windows
• Replacement locks
• Suspending cover
• Foreign Use

Loss of, theft or damage to your car

If you car is lost, stolen or damaged, Norwich Union may:
• Pay for your car to be repaired;
• Replace your car; or
• Pay you a cash amount equal to the loss or damage
When Norwich Union settle claims Norwich Union may take off an amount for Norwich Unionar, tear and loss of value. The same cover also applies to your car's accessories and spare parts while they are in or on your car or in your private garage. Norwich Union will also pay for loss of, or damage to, your car's audio equipment or satellite navigation system (up to £500, unless it was fitted by the manufacturer).
If you cannot drive your car as a result of damage insured under this policy, Norwich Union will pay the reasonable costs of:
• Protecting your car and removing it to the nearest Norwich Union Direct approved repairers; and
• Delivering your car back to your address in the British Isles after the repairs have been carried out.

Accident recovery

If you are involved in an accident, your car is not safe to drive afterwards, call us and Norwich Union will arrange for the following at no extra cost.
• Someone to come out and help. If your car cannot be made roadworthy within a reasonable time, Norwich Union will take it to a Norwich Union Direct approved repairer.
• Norwich Union can take your car to a repairer of your choice if this is nearer, but this may lead to delays in arranging for repairs to your car.
Our employees and contractors will use reasonable care and skill when providing the accident recovery service.

New car replacement

Norwich Union will replace your car with a new car of the same make and specification (if one is available in the UK) if, within 12 months of you or your partner buying your car from new:
• the cost of repairing any damage covered by the policy is more than 60% of your car's UK list price (including car tax and VAT) when you bought your car; or
• your car is stolen and not recovered.
Norwich Union will only replace your car if:
• you or your partner own your car or are buying it under a hire-purchase agreement (not a leasing, contract-hire agreement, or other type of agreement);
• the hire-purchase company agrees; and
• you or your partner are the first registered keeper of your car.

Liability to third parties

Our comprehensive car insurance policy covers you for liability to third parties.
Norwich Union will insure you for all amounts which you may have to pay as a result of you being legally liable for:
• a person's death or injury
• damage to their property (subject to a maximum of £20m)
Norwich Union will also pay the following legal costs if they relate to an incident under this section:
• the fees of solicitors Norwich Union ask to represent anyone Norwich Union insure
• fees for legal representatives Norwich Union ask to defend anyone Norwich Union insure

Injury to you or your partner

Our comprehensive car insurance policy provides you with cover if you or partner suffer accidental bodily injury in connection with your car.
The most Norwich Union will pay any one person after any accident is £2,500. The most Norwich Union will pay any one person during any one period of insurance is £5,000.

Medical expenses

Norwich Union will pay up to £100 for medical expenses if you or anyone in your van are injured as a direct result of your van being involved in an accident.

Emergency medical treatment

Norwich Union will refund any person using any car covered by this policy for emergency medical treatment payments they have to make under the Road Traffic Acts.
If Norwich Union make a payment under this section, this will not affect your no-claim discount.

Personal belongings

Norwich Union will pay a maximum of £150 for any one incident for the loss or damage to personal belongings caused accidentally by fire or theft while they are in or on your car.

No claim discount

If you make a claim under your policy, Norwich Union will reduce your no-claim discount in line with our scale.
If you do not make a claim under your policy, Norwich Union will increase your no-claim discount when you renew your policy in line with the scale Norwich Union apply at that time.
Norwich Union do not grant no-claim discounts for policies running for less than 12 months.

Glass in windscreens, sunroofs and windows

Any payment Norwich Union make for repairing or replacing glass in your car's windscreen, sunroof or windows (or for any scratches on the bodywork caused directly by the broken glass) will not affect your no-claim discount.

Replacement locks

If the car keys or lock transmitter of your car are lost or stolen, Norwich Union will pay the cost of replacing:
• the affected locks
• the ignition and steering lock
• the lock transmitter and central-locking system.

Suspending cover

If your car will be out of use for a continuous period of 28 days or more, and this is not as a result of any loss or damage covered by this policy, Norwich Union may suspend your cover and refund part of your premium for the laid-up period.
Norwich Union will pay this refund when you ask for the cover to start again.

Foreign Use

Our comprehensive car insurance policy covers you for using your car abroad.
All countries in the European Union have agreed that your Norwich Union Direct certificate of motor insurance should provide enough evidence that you are keeping to the laws on the compulsory insurance of motor vehicles in any of the countries you visit.
If you pay an extra premium, your policy can be extended to provide the same level of cover in the European Union and some other European countries as you have in the Territorial Limits.

Benefits of Norwich Union Car Insurance

Six great reasons to renew your Norwich Union Car Insurance



*You must have had no claims in the last 3 years. †The premium you pay will depend on individual circumstances. **Discount also available for second motor policy. Applies to the risk element of the premium only and not to any optional extras, or to the first £42 which covers administration costs. ††The Guaranteed Protected No Claims Discount is for the Life of the Policy. You must have 5 years' no claims discount and no claims in the last 3 years.

Benefits of Norwich Union car insurance

• Cover you can trust from one of the UK‘s top motor insurers

• Our free phone claims lines are open 24 hours a day and 365 days a year

• Any repairs to your car via our approved repairer network are guaranteed for 3 years

• Courtesy Car guaranteed for the duration of any repairs (if selected on your policy)

• Up to 10% discount if you buy online

• Norwich Union can get you back on the road quickly. Our claims service is available 24/7 and in 2005, we resolved approximately 660,000 motor claims worth over £500 Million.

Short Term Insurance

Looking for cover between 1-28 days? Norwich Union now offer Short Term Car Insurance. Find out more here.

Link to previous article Norwich Union Car insurance Overview

Norwich Union Car insurance Overview

Norwich Union Car insurance Overview

· Up to 10% discount when you buy online and for every year that you renew with us
· Named drivers their own no claims discount with us (up tp 70%)
· Guaranteed no claims discount for the life of your policy (optional)

Third Party, Fire & Theft Car Insurance

Third Party, Fire & Theft car insurance is introduced by Norwich Union Insurance Services Limited (Registered Office: St Helens, 1 Undershaft, London, EC3P 3DQ) to Premium Search, a trading name used under licence by BDML Connect Limited.

Comprehensive Car Insurance

- Guaranteed No Claims Discount for the life of your policy:
You’ve worked hard to build up your No Claims Discount which can mean up to a 70% discount on your annual premium* - quite a lot - now we can guarantee that you need never lose it! Norwich Union are pleased to be able to offer Guaranteed Protected No Claims Discount for the life of your policy - regardless of the number of claims you need to make, we promise you won't see any increase to your premium as a direct result of any claims. To opt for a Guaranteed No Claims Discount policy, you will need to have:

· Comprehensive insurance with at least 5 years No Claims Discount
· No 'At Fault' claim's in the last 3 years
· Policyholder and all additional drivers must be aged 21 or over
· Have a minimum excess of £220 on your policy
· Guaranteed No Claims Discount is not available for policies with open driving

Click here for a comprehensive insurance quote or call us on 0800 051 2382 and one of our dedicated team will be happy to help.*Discount applies to the risk element of the premium only and not to any optional extras, or to the first £42 which covers administration costs.

- We can give your named drivers their own no claims discount:
If you are a named driver, you can earn your own no claims discount when you purchase a policy with us in you own right. If you are the spouse or partner of the policy holder you could earn up to 70% discount when you insure your own car with us. If you are purely a named driver you can earn up to 40% discount when you insure a car with us. Discounts apply to the risk element of the premium only, and not to any optional covers or to the first £42, which covers administration costs. If you are a named driver looking to purchase your own insurance, unfortunately we are unable to process your application online, please call 0800 056 2683. You will still be eligible for an online discount of up to 10%. Calls may be recorded and/or monitored.

- Child car seat replacement cover:

Did you know that if your car has been in an accident, even if there is no visible damage, it is possible that your child car seat could be weakened to such an extent that it will not provide the same level of protection in a further accident? Due to the fact ROSPA recommend that all child car seats should be replaced following an accident, Norwich Union will provide child car seat cover as standard and replace your child car seat up to the value of £100 following an accident or theft, even if there’s no apparent visible damage.

- Enhanced Courtesy car upgrade:

......great if you have a family or just for that extra comfort and space. Our enhanced courtesy car option means that should you have an accident and your car requires repair work, then you will receive a 5 door car with a 1.6 litre engine with room for up to 5 people. To select this as part of your policy features, please click on the 'Enhanced Courtesy Car' option in the 'add on' section of the online quote application form.

- New car replacement:

If your vehicle is less than 12 months old from purchase as new when you have an accident or it’s stolen and not recovered, we will give you a new car of the same make and specification.- Provided the claims cost from the accident is more than 60% of the UK list price or the car is stolen and not recovered and also that you are the first registered keeper.

- Multi-car discounts:

- The discount is allowed only where the policy meets the following criteria:» Must be Comprehensive» Insured only or Insured and Spouse/Domestic/Civil partner named on the first and second policies only, no other drivers allowed.»Conditions apply We recognise that households these days usually have more than one car and so we will give you a 5% discount on each additional car insured with us and what’s more, we will take 5% off the existing car insured with us at renewal! What’s more, if the existing car insured with us carries an NCD discount, we will match the NCD discount on each additional vehicle up to a maximum of 70%. Discounts apply to the risk element of the premium only, and not to any additional covers, or to the first £42, which covers administration costs. To take advantage of this discount, then please contact us on 0800 051 2382, quoting reference MP33.

Conditions apply - Please read Terms and Conditions in the policy wordings for further details on all of the above features.

10% of all customers buying car insurance January to June 2007 paid £213 or less.

What affects the price of Car Insurance?

The price of auto insurance varies by company and by:

What you buy

• How many coverages you buy

• The deductibles

What kind of car you drive

If you are buying or selling a car, you will need to re-evaluate your auto insurance needs.
Generally, the more expensive the car, the more you pay.

Where you drive


Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.

How much you drive

People who use their car for business and long-distance commuting normally pay more than those who drive less.

Your age, sex and marital status

Accident rates are higher for all drivers under age 25, especially young males and single males. Insurance prices in most states reflect these differences.

Your driving record

Drivers who cause accidents generally must pay more than those who are accident-free for several years.

Your credit history

Studies have shown that credit history is a powerful predictor of future auto insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate.

What can I do to save money on my auto insurance?

If you're shopping for a car, consider how your choice will affect premiums.
Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.
Ask about discounts for good students, insuring more than one vehicle, accident-free driving, and others.
Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your premiums.

Link to previous article Jargon buster for Insurance Terms

Motor Insurance

What is Motor Insurance for?

The law says you have to have motor insurance to drive a car or motorbike. Some policies cover the replacement or repair of your vehicle, depending on the circumstances of an accident. You can choose from three levels of cover:

• Third party – this is the minimum legal requirement and covers you if you injure a third party, including passengers or their property, but does not cover damage to your own vehicle.

• Third party, fire and theft – covers third party injuries and liabilities, and also fire and theft to your own vehicle, but not accidental damage to your vehicle.

• Comprehensive – as well as the above, this will cover fire, theft and accidental damage to your vehicle.

What does motor insurance cost?

You pay a premium depending on factors including the make of car, engine size, your age and your sex. If you can pay a higher excess, (for example, pay the first £50 or £100 of the claim) your premium may be lower.
You'll also tend to get lower premiums if you park your car in a garage overnight for example, or if you have a clean driving licence.


Keeping costs down for motor insurance

Shop around – there are lots of insurers out there. Use the keyfacts about this policy to see what is and isn't covered by the policy. Always compare what's covered by a policy, not just the price – the keyfacts policy summary will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

Depending on your claims history, the insurance company may offer you a no-claims discount. Generally this ranges from 30% to 65% and your premium will reduce accordingly.

Some companies allow you to pay a sum to protect or guarantee this no-claims discount, which can mean a saving on your future premiums should you have to make a claim. Bear in mind you are paying to keep the no claims discount and not to keep your premiums at a certain level – they may still rise, for example, as a result of general increases or as a result of your claim.

Important tips for motor insurance

1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Shop around when it comes to renewal time to make sure you're getting the best deal.

Link to Previous article: Contents Insurance

Insurance: How Insurance Works and General Information

Insurance made clear
This website covers all the fine details of insurance and helps citizens to identify the requirements and help them select the best insurance schemes for their requirements.

Why do you need insurance OR Do you really need insurance OR what all things you need insurance for? The unexpected sometimes happens. If your house is burgled, insurance can pay for you to replace the things that were taken by the burglar. If you need medical treatment, health insurance can pay for private healthcare, and replace some of your income if you can't work. If you die, life insurance can pay a lump sum to the family you leave behind.
In this section, we explain the main things you can insure, how it works and things to think about to help you decide whether you need insurance.

What is insurance?
Insurance is a way of protecting yourself and your belongings against a particular adverse event, for example, a burglary, or losing your income because of illness. If this happens, insurance will pay out an agreed amount, or an amount to cover the damage, as appropriate and described in the insurance policy document. Of course, unfortunate events may not happen, but you have to decide whether you're willing or able to take that risk. Some insurance, like motor insurance or car insurance, is compulsory – you have to have it if you drive.

How does Insurance work?
The amount you pay for insurance will be based on the information you give to the insurance company (also termed as the underwriter) and the type of risk you want to insure. Insurance companies use underwriting criteria, for example, where you live, if you smoke or what type of activity you would like to be covered for to help them work out the price (premium) of the insurance. Remember. The more risky situation is, the more costly the insurance becomes. For e.g., if you want to insure your house against earthquake and your house is in earthquake prone region, then you will have to pay more insurance premium. If your house is in a safer area, then the insurance premium amount will come down. Similarly, while taking car insurance, a driver with no accident record will pay less insurance premium, while the one who may have had an accident or two will find the same insurance costly. For health insurance, a smoker will have to shell out more money for insurance as compared to a non-smoker.
You might find that some insurance companies may not be able to give you a price for the cover you need. This could be because that particular insurance company doesn't offer insurance for the type of risk you want to insure (for example things like antiques or vintage cars). If you want this type of insurance you might have to go to a company that specialises in this type of insurance cover.
The insurance company agrees to pay out if the event which you're insuring against happens. For example, your travel insurance policy may pay out for loss of luggage. It is important that you give the insurance company the correct information when buying insurance as incorrect information might affect your claim.
You pay either a sum for the whole year (or sometimes longer), called a single premium, or a regular premium, usually monthly, into the policy. You can choose which company's policy to buy yourself or you can go to an insurance broker, who'll help you choose.
Most insurance lasts for one year at a time and you can renew your policy when it ends, or go somewhere else for a better deal. But make sure you don't lose out by switching and always check that a new policy covers what you need it for. Always compare what's covered by a policy, not just the price. Some might be cheaper than others, but they may not offer the same level of protection.

European Union and United Kingdom Laws regarding motor insurance

In 1930 the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance. Today UK law is defined by the The Road Traffic Act which was last modified in 1991.

The Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places. This is called Third Party Insurance. It is an offence to drive your car, or allow others to drive it, without at least Third Party insurance whilst on the public highway, on private land no such legislation applies.

The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is indeed insured. The Law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, then the driver will usually be issued a HORT/1 with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence.

Insurance is more expensive in Northern Ireland than in other parts of the UK.

Motorists in the UK are required to display a Vehicle excise duty disc in their car when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because you are required to produce an insurance certificate when you purchase the disc. However it is a known practice for some people to purchase insurance to gain the certificate and then to cancel the insurance and gain a full refund within the statutory 14 day cooling off period.

The Motor Insurers Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.

Today there are different types of car insurance available, and dependent on your circumstance one policy will be more suitable than another. In order to buy the most suitable car insurance it is important to understand the differences between the policies available and the effect these differences will have on you as a policy holder and other road users.

In the UK , the car insurance market is comprised of different types of insurance companies such as Norwich Union, thousands of brokers, and direct insurers like Esure. Direct insurers revolutionised the insurance industry by advertising directly to the customer and reducing prices by excluding brokers from offering their products. Aggressive marketing ensured that direct insurers are seen as household brands, a direct contrast to brokers!

The result to the customer was a far greater choice of insurance companies but this made the prospect of purchasing the right policy at the right price more difficult. Today, if you use a broker to find an insurance policy you can only expect to search 40% of the available market; the other 60% is controlled by direct insurers!