What is Car Insurance and why do you need it?
Whether you rely on your car for business or personal use,
you’ll want to protect it from the risk of theft or damage.
The right car insurance ensures that if your car is involved in
an accident or is the target of crime, the costs associated with
fixing or replacing your car, as well as the cost of any damage
caused by your vehicle in an accident, are all covered by your
policy.
At YOUR Insurance, we take pride in offering insurance products
that fit a range of circumstances. Whatever car you’ve chosen, talk
to our customer services team to find out the right policy for your
car insurance needs.
To find out about what’s covered in our Car Insurance policies,
read more on our Benefits page.
How to buy Car Insurance from YOUR insurance
We want to give you the customer service you’ve been looking for
so we’ve created three simple steps to help you choose your car
insurance policy. We’re available with advice at every stage
too:
- Ask questions: we’re here to help in the way
that you choose. In addition to the information on this site, you
can request a call back for advice from our customer services team
at a time that suits you.
- Request a quote: send us an email or phone us
for a quote.
- Buy your insurance: over the telephone – just
talk to our UK-based team of qualified insurance specialists.
Why choose us?
Insurance shouldn’t interrupt the way you work, but you need to
know it’s always there, so we make YOUR Insurance work with
You. With YOUR Insurance, you can:
Spread your payments: to help you manage your
cash flow you can choose to pay your insurance premium in monthly
instalments.
Save time and money: we will email all of your
policy documents to you so you’ll have them straight away. And if
you have any queries there’s no cost to call us: all of our
telephone numbers are free.
Know that you have financial security: by
taking out our car insurance policy you’ll
know you have the support of Europe's largest independent insurance
intermediary, Towergate Underwriting
Group Ltd.
Policy features
Our Car Insurance policies can provide cover for:
A courtesy vehicle
Your policy can include a courtesy car whilst your vehicle is being
fixed by our repairers. For some policies, courtesy vehicles can
also be supplied in the event of total loss through theft or
fire.
European travel
Your car insurance policy can include European cover for those
times when you travel a little further afield.
Personal effects
If your personal property is damaged or stolen whilst in your car,
the cost of fixing or replacing these items can be included in your
car insurance policy. Limits may apply so please check what is
covered.
Stereo
Damage or theft of the in-car music system can be included in your
car insurance cover – but remember to check if there are any
limitations for stereos not fitted in the factory.
Breakdown and home assistance
You can choose to enhance your cover with an additional breakdown
and home assistance option to provide on the spot help if you need
it.
Legal cover
Your policy can also include cover for legal fees if required.
As with all insurance policies, limits and level of cover will
depend upon the package you choose.
Things to look out for
Car Insurance is designed to protect. To make sure that you get
the most from your choice of Car Insurance cover, you need to bear
in mind the following:
Reasonable care
Unfortunately theft is a common occurrence, therefore most insurers
will expect you to take reasonable care to prevent a problem
occurring. For example theft or damage to your car or its contents
will not be covered if it has been left unlocked, left with the
keys in it or left unattended with the windows, roof or doors
open.
Non-factory fitted stereos
Some insurers limit cover for non-factory fitted in-car stereo
systems. If unsure, contact our customer services team to check if
restrictions apply to your car stereo.
European cover
Cover for travel outside of the UK varies between insurers so talk
to one of our insurance specialists to find out what is included in
the policy of your choice.
What we don’t cover
When you’re choosing your insurance, it’s just as important for
you to know what we don’t cover as what we do.
- Motor policies include a requirement for you to take reasonable
care to prevent losses occurring. For example loss of or damage to
your vehicle or its contents by theft or attempted theft or an
unauthorised person taking and driving it will not be covered if it
has been left unlocked, left with the keys in it, left with the
windows, roof panel or the roof open (in the case of a convertible
vehicle) or reasonable precautions have not been taken to protect
it.
- Foreign use is limited to trips of up to 60 days and will only
apply where your permanent home is in Great Britain, Northern
Ireland, the Channel Islands or the Isle of Man and you have
contacted us prior to your trip, though, insurers retain the right
to cancel if your time abroad is higher than your time within the
UK.
- Stereo cover for non-factory fitted may be limited by some
insurers. Please check your policy documents.
- Personal effects cover may be limited by some insurers. Please
check your policy documents.
