Insurance ombudsman uk car sales
- 1. Shop around for the best deals
- 2. Don't put everyone on your policy
- 3. Protect that no-claims bonus
- 4. Increase your voluntary excess
- 5. Secure your car
- 6. Do fewer miles
- 7. Think carefully about adding young drivers
- 8. Watch out for insurance trap cars
- 9. Remember what the garage is for
- 10. Be a better driver and sign up to a blackbox
- Car Insurance Policy Summary
Compare quotes with CompareNI- purchase a policy and get a free dash camera
You can compare car insurance quotes online with one simple form. If you find a quote that suits you and purchase a policy you will receive a free camera for your dashboard.
Already purchased through CompareNI.com, you can claim your free dash camera now by clicking here
A dash camera is an in-car digital camcorder which is designed to be mounted on your car windscreen and has a wide angle lens to capture footage of the field-of-view which is in front of the car. The camera will come supplied with an 8GB memory card along with charger, USB cable, windscreen suction mount, instruction manual. The video is set to record on a loop as you are driving and when the memory is full the camera will re-write over the old footage. If in the unfortunate event of a crash you should be able to watch back the last few minutes of recording on the video to see the incident unfold. Many people are using dash cameras as a form of evidence to prove they were not the person who caused the accident or to simply have peace of mind of what actually happened. Other people are using dash cameras to simply catch funny everyday events that happen them whilst out driving.
CompareNI or any associated third parties will not have access to any footage you may take. The camera is simply a reward to you for purchasing your car insurance policy through CompareNI.
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On CompareNI.com we compare up to insurance providers quotes in one go, just by filling in one form.
Our online panel of insurance providers is growing fast and they could provide insurance for nearly every type of car imaginable. Even if you are searching for classic car insurance, quotes for your SUV, or a 4x4, CompareNI.com could compare prices. We can help find great deals for almost anyone including over 50s, young drivers, women and learner drivers for a wide range of vehicles.
CompareNI's simple one-two-three quote system makes it quick and easy - just tell us about 1. Car 2. Yourself 3. What type of cover you want, and we'll give you quotes in just a few minutes! Your quotes are saved and you should be able to retrieve them another time if you aren't quite ready to buy there and then.FREE Car Insurance Quotes for Northern Ireland with CompareNI.com
Getting a car insurance quote from CompareNI.com is completely free, and the premiums that you see have should have no extra charges added on to them - we simply show you prices direct from the insurance providers, and then the choice is yours! You could compare the price and some policy details on the results page, and then you could choose to buy online from the insurer's website, or you can buy by phone instead, depending on the payment options that insurance provider offers.
CompareNI.com has been built with you, the Northern Ireland motorist, in mind, because we only show you insurers that WILL quote for NI drivers. So, if you are fed up with car insurance deals that 'exclude Northern Ireland' you have come to the right place!
We could help you find car insurance no matter where you live in Northern Ireland including places such as Belfast, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Castlereagh, Cookstown, Downpatrick, Limavady, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Lurgan, Londonderry, Antrim, Armagh, Tyrone, Banbridge, Maghera, and everywhere else!
Car Insurance Guide
Some people may find it a challenge to look for cheap car insurance. However, it is usually a good idea for people to understand the options available to them before they shop around. If someone understands the type of car insurance that would best work for them, they may then be able to compare car insurance of that type. This could potentially bring them a better deal than they might otherwise have found.
Everyone who owns a car should have car insurance
This is a legal requirement. A second driver may be able to drive another person’s vehicle if they are covered under the insurance terms that individual has in place. However, everyone who has their own vehicle in Northern Ireland and the UK should have some form of car insurance NI in place to cover them for anything that may occur.
The different types of car insurance that may be chosen
There are different options available when it comes to choosing car insurance. An individual who owns a car may consider the cost of replacing that vehicle or repairing it, and how much it is worth. This usually helps assess the best type of policy for that person to buy.
This is the basic form of car insurance Northern Ireland residents may get. It usually covers the driver for any damage their car does to another vehicle if they are found to be at fault for causing an accident. It wouldn’t tend to cover the damage done to their own car, however.
Third party, fire and theft:
As the name suggests, this form of insurance provides cover for third party damage, but it also could provide cover for incidents of theft and fire damage. Thus if the car was stolen or set fire to, the car owner may receive a payout in accordance with the terms of the policy.
This may be a smart choice for someone who owns a brand new or expensive car that could cost a significant amount to repair after an accident or if it were stolen. The key aspect people may remember about this policy is that even if they were at fault for causing an accident, their insurance could cover the damage done to any other vehicle, as well as providing a payout for their own.
Shopping around to look for a good deal
There are many insurers on the market today, and any one of them may offer just the right deal a particular person is looking for with regard to car insurance. It could work well to perform an online comparison, because it allows an individual to compare different deals and prices from a range of different providers.
It could also work well to compare the small print. No two insurance quotes are likely to be identical in terms, which means a person could get a better price simply by comparing the minor details. If they ever needed to claim on their policy, they may look back and be glad they did this.
Temporary car insurance
This may be a good choice if someone only has the need to use a particular car for a short period of time. This form of insurance could be taken out for between one and 28 days. This form of insurance could be used in situations where someone has an opportunity to borrow a vehicle, either from a family member or a friend. They may not be covered by that person’s insurance policy, which means they may need to source an appropriate policy to provide the cover they need.
Again, shopping around could open the way to find car insurance cheap deals instead of paying more than might be necessary.
Driving a car for business purposes
While some people are given business vehicles to use in the course of their work, others are self-employed. If someone has their own business and they intend to use their regular car to make business journeys, their car insurance might need to reflect that. If it doesn’t, the individual may find any accident they have while on a business-related journey could render their insurance invalid. This is why it is important to make sure the proper insurance cover is in place.
Even if a person only uses their car for the occasional business journey, it is worth noting that journey may not be covered in terms of any accident or damage that may occur. Thus the proper insurance may need to be sourced from a company that could provide the right cover for the right situation.
Reducing the cost of car insurance
Shopping around could be the best way to reduce costs associated with any type of car insurance policy. By comparing details and prices from a variety of companies, it may be easier for an individual to assess whether or not they could be saving money by going with one company instead of another.
By assessing the type of insurance needed and the specific insurance company they might go with, the opportunity may be there to save money on a regular car insurance policy. This may be true regardless of whether that individual is renewing a policy on an existing vehicle, or looking for a new policy for a new car they have just bought.
Either way, it is probably easy to see the importance of looking for the best insurance for any car, regardless of age or condition.
Car insurance Q&A
Where to get car insurance quotes?
Getting a car insurance quote is usually relatively straightforward. A person looking for car insurance cover could contact individual companies to get a quote and they could then take up the quote of the company they feel happiest with. It could also be possible to search for car insurance quotes online by using a comparison company that might give several quotes from different insurers all in one go. A person might receive a renewal quote from their existing insurance company if they have had a policy previously.
Where to check car insurance?
A person looking for a new policy could check for a quote with any NI insurer. They could also check that a quote is competitive by looking to compare car insurance from a range of providers. This way they could see easily that a policy is around the same price or they could check to see if a renewal quote could be beaten.
Where is car insurance cheap?
There isn’t typically any guarantee that a car insurance policy could be cheap. However, there could be ways of reducing the price paid for insurance by using online tools like a comparison to ensure the price is as cheap as it can be. Often using a comparison to search for a cheap car policy could be the best way and could also save time.
Where are car insurance rates the highest?
Some people might think that car insurance rates are higher in a particular place but the best way of finding out for sure could be to compare car insurance. This way a driver could be presented with a range of quotes which may vary in price. They could then decide which one best suits their needs. It might be that at renewal a person is quoted a much higher rate for car insurance, in which case it could be preferable to shop around.
Where is car insurance mandatory age?
Car insurance in Northern Ireland is typically mandatory in order to drive a vehicle on NI roads at any age above the legal age of driving, assuming that a valid driving license is in place.
Where car insurance goes down?
It is generally assumed that car insurance goes down for drivers over the age of 25 but there is actually no guarantee that this is the case. Often the best way to check is to contact insurance companies or carry out a comparison online in order to find out the best and cheapest quote.
Which car insurance is best for new drivers?
New drivers might struggle to find insurance that is cheap but shopping around may really help someone avoid the very highest priced policies by checking against a range of others based on their needs. Each quote for an individual is unique so therefore there isn’t usually a prescribed best place to go for insurance for new drivers.
Which car insurance to get?
Getting car insurance might be a very individual choice as a quote could vary depending on a person’s driving experience and circumstances. Doing research in advance of taking out a policy by comparing different quotes could be the best strategy for getting a good deal.
Who pays car insurance claims?
When valid insurance is in place then it is typical that the company that offers the cover pays out any claim on a policy. An individual could be liable if the insurance isn’t valid for some reason following investigations surrounding a claim.
Who pays car insurance excess?
In the event of a car insurance claim then it could vary as to who pays the excess. If a policy holder is at fault then they themselves will pay the excess on the policy. This is the fee payable prior to any pay out being made. If that person is not at fault they may still have to pay the excess but it could be recoverable by the insurance company from the person that is determined to be at fault.
Who does car insurance cover?
Car insurance tends to be a legal requirement and it may cover the named parties on the policy. This could be the owner of the vehicle and anyone else they cite as a named driver on the policy. A policy might also cover people involved in an accident depending on the level of cover taken out and the nature of their injuries as well as the circumstances surrounding an accident.
Who needs car insurance?
A person that wishes to drive a vehicle on roads in Northern Ireland could usually require a car insurance policy in place.
What car insurance covers theft?
There tends to be different levels of cover for car insurance. In order to cover theft then a driver would usually need to opt for either comprehensive cover or third party fire and theft cover.
When does car insurance go up?
It really could depend on a person’s individual circumstances but having an accident or getting driving penalties could mean that a quote for car insurance could be higher than without those things in place.
When does car insurance start?
The date for car insurance starting is usually down to the individual driver. For a new policy they would typically set the date they wanted cover in place from. A policy usually runs for 12 months. If a person already has insurance in place then they could receive a renewal at the end of a policy that will tend to continue from the expiry of the previous cover.
Why car insurance premium increase?
A premium could increase if a person has an accident or if they receive driving penalties.
Why car insurance is important?
Car insurance could be described as important as it usually a legal requirement and also could offer valuable protection to vehicle owners and passengers.
How car insurance works UK
In the UK and NI then car insurance is usually mandatory by law. A policy could offer protection in the case of an accident, theft or damage and could pay out depending on who is decided to be at fault.
How car insurance companies make money
Car insurance companies tend to charge individuals a premium that relates to the costs of cover. They then usually work with other insurers to reach decisions in the event of an insurance claim.
Are car insurance brokers cheaper?
There are no guarantees that a car insurance broker is cheaper than going direct to an insurance company but it might be beneficial to compare car insurance in order to know for sure.
Are car insurance companies open on weekends?
It tends to depend on the individual company but typically a car insurance company could have weekend opening hours.
Are car insurance companies regulated?
Yes – by the Financial Ombudsman Service.
Are car insurance rates negotiable?
When a person is searching for car insurance they could negotiate on price ahead of taking out a particular policy.
Are car insurance premiums tax deductible?
If a car is used for personal use only then car insurance probably isn’t tax deductible. If used for business use as well then a proportion of the running costs associated with a business may be tax deductible.
Are car insurance premiums paid monthly?
Car insurance could be paid monthly or annually and this tends to be determined at the start of a policy. Monthly payments are likely to work out slightly more overall than if a person pays for a whole year up front.
Are car insurance quotes accurate?
In order to receive an accurate quote then providing as much information as possible up front could be important. Quotes are tailored to individual circumstances and if these aren’t accurate then the chances are the quote may not be either.
Are car insurance rates going up?
The cost of car insurance usually goes up in line with the cost of motoring. This could be added to depending on the impact of invalid claims on the overall insurance market.
*51% of consumers could save £200. We split the providers on our system into different categories. We then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, we selected the cheapest of either the high volume sales providers or other providers (“the cheapest selected quote”). We then compared the cheapest quote on our system against the cheapest selected quote. We then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
*Purchase a car insurance policy through CompareNI.com and claim your free dash board camera ( Subject to Terms and conditions)
The mistake most drivers make is failing to shop around for the best premium and simply accepting an insurer's renewal quote, which is likely to be much higher.
Thanks to recent reforms to compensation payouts, motorists face a 10 per cent - around £50 - hike in their car insurance premiums.
Piling on more pain, from June, bill payers will also see an extra £10 added to bills thanks to a rise in insurance premium tax to 12 per cent.
Motoring costs: Use our ten-step plan to lower your car insurance costs
Therefore, it is now more important than ever to make sure you are not overpaying for your car insurance.
There are a handful of ways to help reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower premiums.
QUICK LINK TO SAVE MONEY ON YOUR CAR INSURANCE
- Compare policies from more than 130 insurers with This is Money's car insurance finder powered by MoneySupermarket
1. Shop around for the best deals
Savings of hundreds of pounds can be found if you shop around when you renew your cover.
Be careful though. When shopping around for car insurance, it's important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don't have the same level of cover when you have to make a claim.
Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes.
Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. This is Money's car insurance search is powered by MoneySupermarket and will search more than 130 insurers for you. Try it out here.
Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. It is also worth checking Admiral separately for its Multicar offers if you are looking to insure more than one vehicle.
If you've been happy with the cover your existing provider has given until now but are unhappy with their renewal quote, let them know the best offer you have received from a rival insurer and ask them to at least match it.
BLACK BOX TECHNOLOGY CUT MY PREMIUMS BY £800
Boxing clever: Laura Keely's premium has been slashed
All drivers, especially the youngest, can also grab themselves potentially much cheaper car insurance by opting for a blackbox policy (also know as telematics policy) - these monitor your driving and reward those who are careful and don't get behind the wheel at dangerous times.
Laura Keely, right, opted to have a black box installed in the dashboard of her Vauxhall Corsa provided by Insurethebox.
Previously, she paid £1,800 for a comprehensive policy. Twelve months on, her premiums dropped to just £1,000 — a 44 per cent fall.
2. Don't put everyone on your policy
Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.
3. Protect that no-claims bonus
A long no-claims bonus is the single best way of cutting car insurance costs, so protect it.
This may increase the premium by a few pounds, but this fades into insignificance against the potential loss of a 90 per cent discount on a premium of several hundred pounds.
But the definition of a protected no-claims bonus can vary widely between insurers.
Though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could. The key is to always check the policy carefully.
4. Increase your voluntary excess
Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered. Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.
5. Secure your car
Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5 per cent. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.
EXTRA TRICKS TO CUT THE CAR INSURANCE BURDEN
Don't forget to haggle! The car insurance market is notoriously competitive. Once you've been on This Is Money's comparison and found your cheapest price (below), get on the phone and start bargaining!
Avoid paying monthly charges: Direct debit installments generally come hand-in-hand with high interest rates.
An alternative is to borrow the money on a 0 per cent purchase credit card and then clear it within a year. [Check the best 0% purchase credit cards here]
Think outside the box: An accelerated no-claims bonus, such as the Bonus Accelerator from Admiral, could give you a year's no claims bonus after just 10 months.
Named drivers and friends and family: If you have previously been insured as an additional driver on another policy, see if you can transfer a no claims bonus to your own insurance coverage.
Some insurers do this, including The AA and Direct Line . Try for a discount by insuring two or more vehicles between friends or family members with the same firm.
No claims discount: It could be worth paying extra to protect yours
6. Do fewer miles
Reduced mileage equates to a greater saving.
For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in premiums.
A cut of 10,000 miles a year could save more than £100.
But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim.
Check your use cover - if you don't use your car to drive to work or for business - both things that increase your premium - you may be able to get a cheaper rate.
7. Think carefully about adding young drivers
Adding a young, inexperienced driver to your policy can be a false economy, especially if you have a large or higher powered vehicle.
The premium will still be affected by the youngest driver and he or she may not have a no-claims bonus. Insurers have also been cracking down on fronting, where parents insure cars in their name for children to cut costs, so make sure if you are the policyholder on a car driven by your children that you are actually its main driver, or that you declare otherwise.
- Looking for an insurance policy for your teenager? Check out our guide to insuring a young driver
8. Watch out for insurance trap cars
If you decide to change your car, check with your insurer if the model will have a significant effect on the premium.
Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour. It will also probably save you on petrol too!
Be aware that Insurers will try to include administration fees for changes to a policy mid-term. This fee, usually between £25 and £50, will be added if you change a vehicle or your home address.
However, you can ask for the fee to be waived if it is a minor adaptation, such as changing to a personalised registration number.
9. Remember what the garage is for
If your garage is full of junk, clear it out and use it for your car.
Insurers like cars kept in garages overnight and this can dramatically cut your premium.
Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium.
10. Be a better driver and sign up to a blackbox
Blackbox policies, where the insurer installs a system in your car to monitor your driving, reward those who drive carefully.
Officially called telematics, these check your speed, how aggressive you accelerate and brake and how cautiously you drive, and also whether you are on the road at perceived dangerous times - i.e. the early hours of the morning.
They can cut premiums substantially once you start proving you are a good driver. The biggest win is for those whose premiums are high, especially young drivers.
Some insurers even offer an up front discount if you take out a telematics policy.
- Read more on blackbox insurance and how it works
THE EU AND FEMALE INSURANCE
The EU has ruled that finance companies can no longer consider your gender when deciding what to charge you.
This was triggered by a European Court of Justice ruling on a challenge by a Belgian consumer group. Its case was that the exemption for insurers contradicted the principle of gender equality.
The ban came into force on 21 December 2012, after fierce campaign for UK firms which argued that they were not discriminating between the sexes — but instead were basing their prices on statistics.
Their argument was that as women live longer they pay less for life insurance, and get cheaper car cover because they have fewer accidents. The move to so-called gender-neutral pricing will affect premiums for all types of insurance — including car, life, private medical and income cover.
Despite this, there is still a significant difference between the prices paid by by male and female drivers on average, which is currently almost £100.SAVE MONEY ON MOTORING Car insurance Compare policies Warranties Get covered Breakdown cover Find the best deals Personal loans Borrow for a car Insurance tips Reduce your costs
Car Insurance Policy Summary
1 The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
2 Whose products do we offer?
☑ We offer products from a range of insurers for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance.
☐ We can only offer products from a limited number of insurers.
☐ Ask us for a list of insurers we offer insurance from.
☑ We can only offer products from a single insurer in respect of Motor Breakdown Cover.
☐ We only offer products from a single insurer.
☐ We only offer our own products.
3 Which service will we provide you with?
☐ We will advise and make a recommendation for you after we have assessed your needs.
☑ You will not receive advice or a recommendation from us for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4 What will you have to pay us for our services?
☑ A fee of up to £60.00 for the administration of new business for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies where an Insurer does not pay One Call Commission.
☑ A fee of up to £8.99 for the provision of a hard copy of your documents for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.
☑ A fee of up to £30.00 for the administration of renewal of Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.
☑ A fee of up to £39.00 for the administration of a mid term change to your Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policy.
☑ A fee of up to £26.00 for the administration of stopped or returned payments or changes to payment dates for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; and, Life Insurance Policies.
☑ A fee of up to £39.00 for the administration of changes to your Policy as a result of your misrepresentation for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £39.00 for the administration of changes specifically to your No Claims Bonus as a result of your misrepresentation for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £49.99 for the administration of cancellation of your Policy within the Deferment or Cooling Off Period for new business Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £35.99 for the administration of cancellation of your Policy within the Deferment or Cooling Off Period for renewed Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £55.99 for the cancellation of your Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to£10.00 for the administration of rejected Direct Debit payments for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £30.00 for the administration of defaulted Direct Debit payments for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to £10.00 for administrative work where Direct Debit Mandates have not been returned for Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☑ A fee of up to 10% of your Insurance Premium together with interest as a Direct Debit Arrangement Fee where you opt to pay by Direct Debit for any Motor Insurance, Household Insurance, Travel Insurance, Pet Insurance, Health Insurance, Income Protection; or, Life Insurance Policies.
☐ No fee.
You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.
5 - Who regulates us?
One Call Insurance Services Limited as shown on Financial Services Register is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 302961.
Our permitted business is general insurance activities.
You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
6 - What to do if you have a complaint?
One Call Insurance are authorised and regulated by the Financial Conduct Authority.
Please visit our Complaints section for further details
7 - Are we covered by the Financial Services Compensation Scheme (FSCS)?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
If you choose to pay by instalments you will receive a Direct Debit confirmation form from your finance provider confirming the Direct Debit details. The amount per month may vary slightly from this calculation if the amount remaining after your deposit cannot be equally divided into 11 instalments. Any variation will be minimal, and you will typically pay a lower amount for the first month, with 10 slightly increased monthly instalments to follow.
All Third Party Fire and Theft policies include £100 excess for claims on fire and theft. All Third Party Only policies have nil excess.