Motor Insurance
Motor insurance can cover your motor vehicle against accidental damage and theft and it can also protect you from the financial costs of repairing or replacing another person’s vehicle in an accident where you’re at fault.
What is motor insurance?
Motor insurance can cover your motor vehicle against accidental damage and theft and it can also protect you from the financial costs of repairing or replacing another person’s vehicle in an accident where you’re at fault.
Who should consider motor insurance?
Motor insurance is recommended if you own and drive a vehicle. If your car is damage in an accident where you’re at fault, having comprehensive motor insurance helps to pay for repairs – or can replace your car entirely if it is written off. If your car is stolen, comprehensive motor insurance can pay you the agreed or market value, so you can buy another car.
Third party property damage (TPPD) insurance can cover the costs you may be liable to pay if you are at fault and damage or write off someone else’s car – however, if you only have this policy, there is no cover for any damage to your own car.
What can motor insurance cover?
Motor insurance provides you with protection if your vehicle suffers loss or damage. Your Westphalian insurance broker can help you find the right product tailored to suit your needs. Depending on your policy, motor insurance may cover you against:
| Potential benefits |
| Replacement/repair of the vehicle if it’s damaged or stolen. |
| Cover to help you pay for damage you cause to another person’s vehicle. |
| A replacement of the same make and model if your new vehicle is written off within three years |
| Choice of your own repairer or one from our preferred repairer panel |
| Repair guarantee for materials and workmanship on authorized repairs |
| Re-keying and re-coding of vehicle keys if they are stolen |
| Cover for the cost of a rental car for up to 14 days, if your car is stolen |
| Legal liability cover |
What usually isn't covered by motor insurance?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on the nature of the product you are purchasing, the associated risk, the insurer and your requirements.
Policies generally will not be covered if the vehicle is:
- Being driven by an unlicensed driver
- Being driven by you or any other person while under the influence of any drug or alcohol
- Being used in any motor sport or time trial
There are exclusions which are specific to each type of policy, which your Westphalian insurance broker can outline for you.
