Insurance Now - Motor Insurance

About Insurance Now

Insurance Now utilises independent intermediaries to bring you the best selection of policies, level of cover, affordability and service available. With Insurance Now you can expect a friendly, efficient and professional service, impartial advice and a choice of flexible payment methods.

Insurance Now are independent intermediaries for general and commercial insurance.

Insurance Now - Insurance Information

How are motor insurance premiums calculated
Premiums vary between individuals because they are calculated based upon a large number of criteria, i.e. the driver's age, experience, driving record, occupation, the type of vehicle and the insurance group that it fits into, where it is kept, the uses it is put to and the type of cover required.

When buying motor insurance you must give the insurer full information. Please note that it is an offence under the Road Traffic Act to make a false statement or withhold information for the purposes of obtaining a certificate of motor insurance and it may also invalidate your policy.

What are the different types of cover available
The Road Traffic Act requires that anyone who uses a motor vehicle on the public highway must have cover for liability for death or bodily injury to a third party (including passengers), and cover for liability for damage to third party property caused by an accident involving the vehicle. This type of cover is termed 'Act Only', but is usually only used where an insurer feels that a driver's record is so bad, that this is the maximum cover the insurer is prepared to grant.

The most commonly selected form of cover is Comprehensive which covers the insured's vehicle for accidental damage in addition to the third party fire and theft risks.

Third Party Only covers the following:

• Liability for injuries to other people, including passengers
  
• Liability for damage to other people's property
  
• Liability of passengers for accidents caused by them
  
• Liability arising from the use of a caravan or trailer, while attached to the car

Third Party Fire and Theft covers the following:

• as for Third Party Only but includes;
  
• Damage to your vehicle due to fire
  
• Theft of your vehicle
  
• Damage to your vehicle due to attempted theft

Comprehensive covers the following:

• as for Third Party Fire and Theft but includes;
  
• Accidental and malicious damage to your own vehicle
  
• A personal accident benefit
  
• Medical expenses (up to a specified amount)
  
• Loss of or damage to personal effects in the vehicle (up to a specified amount)
  
• Replacement of broken glass in windscreen, windows or sunroof
  
• Depending on the insurer, benefits may also include cover for push chairs in the vehicle, christmas luggage in boot and roadside breakdown

Insurance Now,
413 Chingford Road,
London
E17 5AF

http://www.insurancenow.com