Car insurance features

Your broker will be able to find you an insurance policy that could include the following:

Guaranteed or protected bonus.
Guaranteed means never losing your 'no claims discount' again regardless of how many claims you make. Protected no claims will prevent you losing all of your no claims bonus in the event of a claim, although you may lose some.

Guaranteed courtesy cars.
If having access to another vehicle whilst yours is off the road being repaired is essential, then your broker can find you a policy with this guaranteed.

Discounts for Pass Plus and Advanced Drivers.
If you have qualified for these recognised awards, then you can save money on your car insurance.

Flexible payment methods.
Brokers will offer you the opportunity to pay your premiums monthly or annually.

Young drivers.
If you are a young driver, it can be difficult for you to get insurance cover. A broker has access to a wide range of insurers that aim to give you a more competitively priced policy.

Imported, high value and unusual specification cars. Brokers have access to specialist policies that ensure your vehicle can receive the cover it needs.

A broker can help find the right product for you. But, don't forget, your broker will also be an expert that is on your side in the event of a claim.

Types of cover

Although different companies' policies vary, there are three standard types of cover:

• Third party only
  - This covers just your legal liability for injuring other people or damaging their property. This is the insurance you must have by law.
• Third party fire and theft
  - In addition to the above, this provides cover for loss or damage to your car by thieves or fire.
• Comprehensive
  - This provides the cover above plus protection against accidental damage to your vehicle.