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Questions & Answers

Will my premiums be cheaper if I put all my insurances together with one insurer?
Generally, yes, you will get a package discount

Do you have a facility for paying monthly premiums?
Yes, we simply amortise your premium over twelve months and we call it Premium Funding.  (conditions apply)

Do I get a discount if I have an alarm?
Yes. You will get a premium discount on your domestic contents

Are my children’s belongings covered under my contents policy?
Yes, if the children are still living at home.

How can I reduce my premiums?
You can opt for a voluntary excess which will give you a discount.

What does comprehensive Motor insurance cover?

  • Accidental damage to your car
  • Accidental damage caused by your car to vehicles or property belonging to someone else.
  • Damage to your car in a natural disaster
  • Loss or damage to your car from theft or fire

Do I pay an excess on windscreens?
With most insurers you don’t have to pay an excess and your no-claim discount will not be affected.

How do I know how much to insure my car?
To make sure you have enough cover, ask a Licensed Motor Vehicle Dealer (LMVD) or vehicle valuer for its current retail market value.

What is market value?
If the car is written off, you will be paid what the car would have been worth on the retail market at the time of the loss.  Subject to sum insured – less the policy excess applicable.

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