You or you and the joint proposer only driving – a discounted premium will apply Any authorised and licenced driver aged 22 and over (max age 75), with valid full driving licence for at least 1 year Any authorised and licenced driver aged 25 and over (max age 75), with valid full driving licence for [...]
If you look at the MOTOR INSURANCE COVERAGES above then you can see the difference in cover. Comprehensive provides much wider cover!
If my vehicle is on fire and I am able to contain and extinguish it, do I still need to notify the fire department?
Yes. All vehicle car fires must be reported to the police. They will inspect the vehicle and determine the cause so that any potential hazard can be fixed to ensure your vehicle is safe to drive.
Can I claim for personal possessions that were in my vehicle when it was stolen or destroyed by fire?
Yes, your Cayman FIRST Key Protector Private Motor policy provides this cover.
If my vehicle has been stolen or damaged by fire, should I get the police report before coming to you?
Firstly, you should immediately report it to us – do not wait until you get a police report as this delay could negatively affect your claim. We will then formally ask you to obtain a police report. The police will not usually release any reports for vehicle thefts or fires without a request letter from [...]
Yes you can, but you must return the current Certificate of Motor Insurance (or any current Cover Note if you have one) to us first. Without this, we will not be able to cancel the policy. Depending on the circumstances surrounding the cancellation, you may be entitled to a refund of any premium you have [...]
You should notify us as soon as possible – the longer you delay this, then the more your claim may be negatively affected!
No. You no longer have an insurable interest in the vehicle, so you would need to cancel your insurance. The new buyer would need to arrange their own insurance.
You are only entitled to any No-Claim Discount if you meet the eligibility criteria for it. The policy wording shows how this operates clearly. We also offer a very special No-Claim Discount Protection option, which also has eligibility criteria, where your No-Claim Discount is NOT reduced if you have an at-fault claim. A small additional premium [...]
Unfortunately not. All motor insurance policies have limitations, exclusions, etc and so the policy wording will show these clearly.