Car insurance is one of the most commonly purchased forms of insurance. There are many different factors which affect the final price when an insurance company assesses to potential risk involved. Consequently, no two motor insurance clients are likely to be rated the same way. For example even two people driving similar vehicles and living in the same road may be asked to pay different premiums simply because they are not the same age.

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As motor insurance providers have different prices, benefits and cover limits, the amounts of cover available will not be always be the same and to ensure that the policy you select provides the cover you require, you should always make comparisons.

As Independent Intermediaries you can rest assured that Esko Insurance will endeavour to provide the right policy for the appropriate risk at a competitive premium. This advice and choice will not be available if you buy directly from a single insurer.

Comprehensive

As well as the perils covered by Third Party Fire and Theft, a Comprehensive Car Insurance policy provides that in the event of damage to the vehicle the insurer will have it repaired. Most Comprehensive policies also include other additional benefits, subject to certain limitations which vary from insurer to insurer. These can include :-

• Personal Accident benefits, payable on death or injury whilst in the vehicle.

• Windscreen cover, payable on breakage or cracking of glass including resultant scratching , without loss of no claims bonus.

• Rugs clothing or other personal effects, payable in the event of loss following an accident, theft or attempted theft of the vehicle.

• Audio equipment cover, payable in the event of loss following an accident, theft or attempted theft of the vehicle

• Medical expenses, payable in connection with any injuries sustained whilst in the vehicle.

• Free Replacement Car, applying after the notification of a claim in which the insured vehicle is not driveable or whilst repairs are being carried out.

• Free Green card, for vehicles temporarily being driven abroad.

• New car replacement, for vehicles less than 1 years old severely damaged by an insured peril.

This type of policy does offer the widest form of cover available, but does not cover every conceivable risk. For example loss due to wear and tear or depreciation are of course excluded.

Third Party Fire and Theft

As the title suggests, in addition to the perils covered by the Third Party Only policy, cover for the vehicle following loss or damage caused by a fire, theft or attempted theft is included. If following a fire or theft, the costs of restoring the vehicle to its pre claim condition is greater that the pre claim value, the insurer has the right to declare the vehicle an economic total loss (commonly known as 'writing off') and in this event would pay to the owner the market value of the car prior to the loss.

In respect of fire claims it should be noted that insurance policies exclude mechanical or electrical failures and breakages. For example, if the poor condition of the electrical system caused a fire, the insurer would be entitled to exclude from the claim any cost of replacing the electrical system although the other damage caused by the fire would be covered.

Third Party Only

Third party only is the minimum level of cover that can normally be purchased for car insurance. It provides cover for the driver of an insured vehicle against liability for death or bodily injury to other persons (including passengers), and damage to other peoples property. The Road Traffic Act ensures that the policy covers costs incurred in providing emergency treatment to the driver and all passengers if injured in an accident. Costs of legal representation at a coroners court or in a court of Summary Jurisdiction are also provided for should the accident have resulted in a fatality. The cover also extends to acts of negligence by passengers whilst in the vehicle, for example if a door was to be opened into the path of an oncoming vehicle, the damage caused to the other vehicle would be covered.

Uninsured Loss Recovery Insurance is available at an additional cost for all covers.