Exclusions differ from one insurer to another, and checking them is part of our work before we recommend a policy to you.
A summer storm damages the bonnet and the roof of a parked car. Casco cover that includes natural disasters pays for the panel beating and respraying; without that cover the loss is yours, because motor third party liability covers only the damage you cause to somebody else.
You lose control and hit a crash barrier. Motor third party liability is no help here, because it covers only damage to third parties. Casco pays for the repair of your own vehicle, less the agreed deductible.
The vehicle disappears overnight. With full casco cover you are paid the market value of the vehicle at the time of the loss, not the price you paid when you bought it. That is why it matters how value is defined in the policy, and it is an item we always check.
The examples are illustrative and show how the cover works in practice.
The premium depends on the value and age of the vehicle, the age and record of the driver, the deductible you choose and the scope of cover. There is no single price: the same vehicle can carry a very different premium from one insurer to another. We collect offers from everyone who covers your profile and compare them.
Motor third party liability is required by law and covers the damage you cause to somebody else. Casco is voluntary and covers damage to your own vehicle, including situations where you are at fault yourself or where there is nobody to blame.
The deductible is the part of the loss you carry yourself. A higher deductible means a lower premium, but a bigger bill when something happens. For cars driven every day in the city a lower deductible usually pays off, and for cars that are rarely driven a higher one does. We work the numbers out together with you.
You can, but insurers do not all set the same age limit, and some offer only partial casco cover for older vehicles. This is exactly where offers differ the most, so comparing them is the most useful here.
Get in touch with us. We report the claim to the insurer, prepare the documentation, follow the assessment and stay in touch until the payout. When there is a claim we represent you, not the insurer.
Send us a short enquiry. We collect offers from every insurer that covers this risk and explain the differences before you sign anything.
