Liability to others
Damage or injury you cause to other people, vehicles and property. Many markets require a minimum level by law.
Insurance
Personal Vehicle Insurance
Learn about private-use motor coverage and know what to review before going to a provider.
Your use
How do you use the vehicle?
Private-use cover is different from business use. Choose what fits best.
Coverage overview
What personal motor cover can include
Own-vehicle risks
Fire, theft or damage to your own vehicle, depending on the level of cover chosen.
Optional extras
Breakdown help, a courtesy car or legal expenses — availability and terms vary.
Read the details
Deductibles, limits and exclusions
The amount you pay towards a claim before the insurer pays. It can combine a compulsory and a voluntary amount, and may differ for young drivers or certain claim types.
The most the policy will pay — overall, per claim or for specific items such as personal belongings, accessories or windscreens.
Situations the policy won't cover, such as drivers not named on the policy, undeclared modifications or using the vehicle for a purpose it isn't insured for.
Giving accurate information, telling the insurer about changes, keeping the vehicle roadworthy and reporting incidents promptly. Not doing so can affect a claim.
Check how the battery, charging cable and home charger are covered, whether battery damage is treated differently, and if repairs need specialist garages.
Buying, switching and renewing
Your renewal checklist
Tick items off as you go. Nothing is saved or sent.
0 of 6 done
Read the policy details, then compare.
Before continuing to any provider, review what's covered, the excess and the exclusions.
Questions
Personal vehicle insurance questions
No. This page explains personal motor cover. Only an insurer can give a quote or confirm cover.
Usually any driving for work beyond commuting to one regular workplace — such as visiting clients or other sites. Deliveries or carrying passengers for pay often need specialist cover.
Most markets require at least liability (third-party) cover. The exact legal minimum depends on where the vehicle is kept and used.
Not always. A higher voluntary excess can lower the premium, but the saving varies by insurer — and you'd pay more if you claim.
The cover types are the same, but check how the battery, charging equipment and specialist repairs are handled. Prices can differ.