Your vehicle is more than just a way to get from point A to point B – it’s your freedom, your convenience and often an essential part of your daily life.
But accidents, theft or unexpected damage can happen anytime, leaving you with costly repairs or even the loss of your car. Motor insurance ensures you’re protected against these risks, giving you financial security and peace of mind. With the right cover, you can get back on the road quickly without the stress of unexpected expenses.
We insure all types of vehicles from small family cars to large lorries and everything in between.
We have a dedicated motor claims team and a simple claims process. If you are in an accident or your car is damaged we are there to get you back on the road.
We have plenty of coverage options for you to choose from. The common covers are:
which pays for damage you cause to other people’s car and property, but not your own.
which covers your vehicle against fire and theft as well as any damage that your car causes to someone else’s vehicle or property.
which covers accidental loss or damage to your car as well as any damage your car causes to someone else’s vehicle or property.
As with all insurance products, the full scope of cover depends on the policy wording issued to you. Please ensure that you read the policy so that you understand the terms, conditions, limits and exclusions that apply.
NCD is a discount on your car insurance premium which we provide as a reward for you being claim free. It reduces the premium you have to pay for the following year. The maximum amount of discount is 50%.
By paying a small amount of extra premium, you can protect your NCD entitlement and still make a claim on the policy. We allow you to protect an NCD of 50% and our NCD protection is as follows:-
| No. of claims made or arisen during the period of insurance | NCD entitlement on renewal of the policy |
| One | 50% |
| Two | 20% |
| Three or more | Nil |
Do note that if you fail to report any accident within 24 hours, your NCD entitlement will be automatically reduced to 10%, notwithstanding the NCD Protection. Do also take note that having an NCD Protector will not necessarily protect you against non-renewal or cancellation of policy and that the NCD Protector is not transferrable to another insurer.
