On average you spend 37,000 hours in your car and drive 800,000 miles during your lifetime (enough to get to the moon and back three times!). Chances are in that time you will be involved in an accident whether fault or non-fault, and it makes sense to have the right insurance in place should this happen. Car insurance is a legal requirement and it is a criminal offence to drive without it. Couple this with the fact you would wish to protect your prized asset, then car insurance through an expert is a must.
Insurance Times Independent Broker of the Year 2015/16
Feefo service rating of 98%
Personal service over the phone
Comprehensive and third party fire and theft insurance
Option to include additional covers, such as key care, breakdown, motor legal etc
The Alan Boswell Group Difference
At Alan Boswell Group we are not on any internet quote engines and do not have any gimmicky marketing and put all our effort in providing our customers world class service.
We believe in providing our customers competitive car insurance with products suitable for their needs. Being independent we are able to provide impartial advice on the best product for your needs. Our reputation in the market enables us to negotiate competitive pricing, ensuring you get value for money.
I have used Alan Boswell for about 15 years now and have always been exceptionally pleased with the service.
Mr Calver, Private Car Insurance
Private Car Insurance in detail
Private car insurance provides many features and benefits:
Option for comprehensive or third party fire and theft cover.
Personal injury cover.
Repair costs.
Protected no claims bonus.
Low excesses.
Business use.
Multiple driving options.
There is also the option to incorporate additional products:
Breakdown
Full breakdown cover including homestart, onward travel, European breakdown etc
Key care
Cover for loss of keys (home, office, or car).
Motor legal
Cover for legal expenses and defence should a motoring dispute end up in court.
Uninsured loss
Cover for uninsured losses.
GAP insurance
Cover for difference between write-off value and invoice/finance costs.
Excess protect
Option to purchase cover to reduce your excess exposure.
There is also the option to incorporate additional products
When comparing insurance products it is important to compare on a like-for-like basis. Many of the companies that promise cheap insurance will do so by stripping out covers and applying large excesses and low limits leaving limited cover.
Always ensure you have the correct use noted for your vehicle. If you do even the smallest drive in conjunction with your employment you will need business use (other than travelling to and from work). Failure to do so means the damage to your vehicle may not be covered in the event of an accident.
Always be as accurate as possible when answering questions as what may seem a small oversight could leave to a claim not being covered.
FAQs
You have to tell us about all convictions unless they are spent under the Rehabilitation of Offenders Act. All motoring convictions will need to be declared within a set time frame as explained by your adviser.
Yes, increasing excesses can make a sizeable difference to insurance premiums, however always ensure the excess is affordable.
Yes you can change vehicle. There will normally be a change in the premium reflective of the new vehicle and this will be on a pro-rata basis.
Yes, you can change vehicles and drivers temporarily. There will be additional charges for making these changes and these will depend on individual circumstances.
We cover any modifications to the vehicle that are standard options. Non-standard options will need to be discussed with an adviser who will be able to arrange suitable insurance.
All claims whether fault or non-fault need to be declared to ensure your cover is placed on the correct basis.
Cover for medical expenses, personal belongings, cancellation/curtailment, delayed/missed departure, and other additional covers while on your travels.
Motor legal expenses provides legal assistance to recover the out-of-pocket expenses that you may experience as a result of an accident that was not your fault.
If you’re considering hiring out your motorhome or campervan, or already hold a Self-Drive Hire policy, it is essential to consider taking out Public Liability alongside this.
Loss adjusters and loss assessors both play an important role in large insurance claims, and their roles can affect the outcome of your claim. Here, we take a look at what the differences between them are and what that means for you.
If you’re considering buying a campervan or motorhome, you’ll need to consider the type of license you need. We explore what type of driving licence you need in order to drive different motorhomes, as well as what you can do to upgrade your licence.
