Car Insurance
Car Insurance - Useful Terms Explained
Third Party Only cover
This is the most basic insurance and covers your liability for death or bodily injury
to a third party (including other occupants of your vehicle) and your liability
for damage to third party property.
Third Party Fire and Theft cover
This covers third party risks as described above plus the risk of fire and theft
in connection with your vehicle in accordance with relevant insurance policy terms.
The contents of your vehicle are normally only covered for a nominal amount and
you should add cover for unspecified items away from the home to your house policy
to cover this.
Comprehensive cover
This includes the Third Party Fire and Theft cover, as well as loss of or damage
to your vehicle caused by accidental or malicious damage.
Medical conditions
Certain disabilities or medical conditions will need to be notified to an insurance
company, as they may affect your or any named drivers' ability to drive. If in doubt
let us know before purchasing the policy.
The sample but not exhaustive list of medical conditions that insurers must be notified of include:
- an epileptic event (seizure or fit)
- sudden attacks of fainting or blackouts
- severe mental handicap
- a pacemaker, defibrillator or anti-ventricular tachycardia device fitted
- diabetes
- stroke
- any type of brain surgery, brain tumour, severe head injury
- any severe psychiatric illness or mental disorder
- continuing/permanent difficulty in the use of arms or legs which affects your/their ability to control a vehicle
- any visual disability which affects BOTH eyes (no need to declare short/long sight or colour blindness)
Foreign use
All motor insurance policies we offer provide the minimum legal cover you require
to drive in any of the EU countries.
To extend you insurance policy to provide fully comprehensive cover for the purpose
of travel within the EU you will need a Green Card. This maybe included free of
charge, please check your insurance policy. If you are traveling to Spain you will
need to contact your insurer as they will have to issue a bail bond for this country.
Material facts
Material facts are those that the insurer would regard as likely to influence the
acceptance and assessment of this application. If you are in any doubt about whether
facts are considered material, you should disclose them. We will be happy to give
you advice if you wish. If a material fact is not disclosed to an insurance company
cover may not apply in the event of a claim.
Modifications
This is when the vehicle's engine, suspension or body has been altered in any way.
Vehicles fitted with special equipment or apparatus will also fall into this category.
All modifications need to be reported to the insurance company.
Certificate
Document issued by insurers as evidence that insurance is in force to meet the requirements
of the law.
Proposal Form
An application for insurance cover which forms the basis of the contract.
SD&P
car is being used for social, domestic and pleasure purposes and in connection with
travelling to and from your work only, excluding its use of the soliciting of commercial
orders and/or carriage of commercial goods.
Class 1
car is being used for social, domestic and pleasure purposes and in connection with
the business by the insured only (occasional), excluding its use of the soliciting
of commercial orders and/or carriage of commercial goods.
Class 2
car is being used for social, domestic and pleasure purposes and in connection with
your business, excluding its use for the soliciting of commercial orders and/or
carriage of commercial goods.
Class 3
car is being used for social, domestic and pleasure purposes and in connection with
your business including its use for the soliciting of commercial orders and/or carriage
of commercial goods.
