Car insurance

In the event of an accident, most insurance policies cover damage to your car and/or other vehicles, injuries and property damage. Insurance policies also tend to cover fire damage and attempted or actual theft.

The cover provided by car insurance policies can vary, so check the small print for exclusions or limitations.

If you don’t make any claims against your insurance policy, then you may receive a no-claims bonus, also called a no-claims discount.

For every year you’re insured without making a claim, you earn another year’s no-claims bonus. Insurers normally calculate your discount based on a maximum of five years without a claim, but this can vary.