Barraclough & Partners provides comprehensive private car insurance cover, meaning you can go about your day with peace of mind knowing that you are correctly covered at a price that suits you.
We are experienced insurance brokers and provide great rates with low excesses. We compare prices and cover with over 20 difference insurers, and we can offer great optional additional benefits such as Legal Assistance, Breakdown and Substitute Car Cover.
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If you’re the policyholder or NCD holder with LV= comprehensive car insurance, you’ll usually have third party cover to drive other cars as well. Have a look at your policy documents to double check you’re covered and make sure you’ve got the owner’s permission to use their car first. Please be aware that you’re only covered to drive other cars in the UK.
If you’re on holiday and want to know if you’re covered to drive a hire car, depending on the country you are travelling to, you may be legally obliged to have three types of basic insurance. These are usually included in your car hire costs and contract.
To find out your car insurance excess, have a look at your schedule of insurance for more information.
There are three main levels of cover available to drivers: third party only; third party, fire and theft; and fully comprehensive.
- Third party only insurance will cover you for any damage you cause to any third party or their property. This could be someone else’s wall you crash into, someone else’s car or even any passengers in someone else’s car.
- Third party, fire and theft (TPFT) insurance adds to the above cover against fire damage to your vehicle, theft of your vehicle and any damage cause during an attempted theft.
- Fully comprehensive insurance policies cover you against any damage to your own vehicle, as well as the above, but the specifics of what this entails will vary from provider to providers.