What is RTA‑only cover?
The minimum legal cover required under the Road Traffic Act.
What does RTA-only cover?
Unlimited injury to third parties
£1.2m property damage
Claimants’ costs
Emergency medical treatment charges
What does TPO cover?
Third‑party injury + property damage only (no cover for your own car).
What does TPFT add?
ire damage + theft or attempted theft of your car.
What does Comprehensive add?
Accidental and malicious damage to your car.
What extras are normally included in comprehensive policies?
Personal accident
Medical expenses
Personal belongings
What is a No Claims Discount?
A discount for each year with no claims.
What does the uninsured driver promise do?
Protects NCD + removes excess when hit by an uninsured driver (not hit‑and‑run).
Typical range of NCD?
About 12% (1 year) to 50%+ (5 years).
Does a windscreen‑only claim affect NCD?
No
What are two key differences in motorcycle insurance?
Accessories/spares only covered if bike is stolen
No personal accident/medical expenses/personal effects
What’s the main difference between commercial and private motor cover for property damage limits?
Commercial usually has a £5m limit (sometimes lower for haulage).
What is always covered for trailers?
Third‑party liability while attached to the vehicle.
