Getting vehicle insurance

Summary

If you don't make a claim during the life of your policy, you start to build up a no claims bonus. As your bonus builds up over the years, you can save between 60 and 75 per cent on the cost of your motor insurance. If you want to protect your no claims bonus, you can pay extra premiums to protect it. This means you have an accident or need to make another claim, your no claims bonus won't be affected. It's usually cheaper to pay the extra premiums to keep the discount. This is the minimum legal requirement and covers you for damage to someone else's vehicle or property or injury to someone else in an accident. This includes accidents caused by your passenger. It doesn't cover repairs to your own vehicle. This includes third party and also covers damage or loss to your own car by fire or theft. This includes third party, fire and theft and repairs to your own car. Your policy may also cover: * death or injury of yourself or a family member, up to a set amount * cover for belongings stolen from your car If an insurer or broker can’t offer you insurance because of your age, most of them will refer you to an alternative insurer or give details of a signposting service such as the.

Key information

• •death or injury of yourself or a family member, up to a set amount
• •cover for belongings stolen from your car
• •cover for medical or legal expenses
• •hiring a replacement vehicle.
• •specified cycle policy - covers you to drive one specific bike
• •rider policy - allows you to drive any motor cycle, up to a certain cc rating, with the owner's permission
• •what each policy covers and the exclusions and amount of any excess. any discounts offered
• •the no claims bonus and how much the discounts are worth each year if you don't claim on your policy
• •any policy restrictions, for example, only named drivers are covered
• •medical conditions which could affect your driving
• •someone not covered by the policy was driving
• •you charge a passenger for a lift, unless this is on a costs-only basis

Practical guidance

• •Source: [Getting vehicle insurance](https://www.citizensadvice.org.uk/consumer/insurance/types-of-insurance/vehicle-insurance/vehicle-insurance-types/)

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