Instive Blog

The excess is the portion of an eligible claim that you bear under the policy. Its amount and application can vary by cover, event, driver or vehicle. A lower premium can sometimes come with a higher excess, so compare both…

Put a reminder in your calendar well before your policy expires. Check that the registration, vehicle value, address, drivers and use remain accurate. Tell your agent about changes to the vehicle or your driving arrangement. Compare the new premium and…

A vehicle that carries stock, tools, clients or deliveries may be used differently from a private family car. The description of use in your motor policy matters. A personal policy should not be assumed to cover every business trip.

A policy is written around particular people, vehicles and uses. Lending a car to a friend or family member can create a problem if that person is outside the policy's driver terms. Check the certificate and schedule before someone else…

Third-party motor insurance addresses specified legal liability to others. It does not automatically pay to repair your own vehicle. Comprehensive cover can add protection for damage to your vehicle from events listed in the policy, but it still has limits,…

Before asking for a motor quote, gather the vehicle's make, model, year, registration details and estimated value. Have the names and licence details of the people who will drive it, plus a clear description of how it will be used.…