Buying a policy

Car insurance is a legal requirement; you are not allowed to drive on the road without insuring your car first. Motor insurance provides cover for damages caused in the event of an accident. If you are caught driving without insurance you face potential fines, penalties and even a jail sentence. You need to buy your car insurance before you start driving on the road.

There are a number of different ways to purchase your car insurance:

  • Complete a written Proposal Form, and send it off through the post.
  • Complete a verbal Proposal Form over the phone.
  • Complete a Proposal Form online.

The proposal form is the first part of obtaining your car insurance. Make sure you answer all the questions correctly as the policy can be declared as null if you don’t. If you make any moderations to your vehicle after you have your insurance, make sure your insurance companies is informed. If you have an accident and your car isn’t the same as what you originally stated due to modifications, your insurer could refuse to cover any of the damages.

You should receive a motor insurance certificate and policy documents after completing the proposal form.

  • The policy usually consists of many pages and covers all aspects of your insurance cover.
  • The certificate is a one-page document that summarises your policy.

Make sure you fully understand your policy and that you know exactly what eventualities you are covered for. Also, be aware that if your car is stolen or written-off and you need to claim the full cost of your vehicle, this amount may be less than what you paid for it. Cars decrease in value as time goes on, and your insurer will only cover the current market value of your car, not the full value you paid for it.