Car Fire & Theft Insurance Quote
Product Information
- Classic cars and Track or Race cars must be stored in a locked building (not kept outside).
- Unregistered vehicles over £4,000 will require a Datatag fitted within 28-days (see our 20% discount code).
- All other vehicles can be parked in a garden or driveway subject to appropriate security (depending on its value).
What we cover - the basics
- Loss or damage to a SORN or unregistered vehicle as a result of fire, theft, attempted theft or malicious damage, up to its market value, whilst securely stored at the risk address you declared to us.
- Modifications are covered as long as they are included in the vehicle's declared value and you have evidence to support a claim, i.e. receipts and/or photographs.
- This policy is sold on a "Market Value" basis (we do not offer agreed values).
- You can choose to add the optional "In Transit" cover for an additional premium (transporting your vehicle in a van or trailer to events).
Limitations
- The insured vehicle must either be declared SORN or unregistered (this policy is NOT designed to cover vehicles that are taxed for road use).
- You will be responsible for paying the first part of any claim – this is known as the "Excess".
- Loss or damage in respect of theft or attempted theft may be excluded if the security devices declared are not operative.
Significant exclusions
- This fire & theft policy does NOT cover the use of your vehicle at any time (this policy does NOT cover accidental damage or meet the requirements of the Road Traffic Acts).
- There is NO cover for injury to you or anyone else, or damage to any property.
- Loss or damage caused deliberately by you or any person who is in charge of your vehicle with your permission.
- Loss or damage that occurs away from the declared storage facility (unless "In Transit" cover applies and security conditions are met).
- Loss or damage if keys or fobs are left near your vehicle or if you leave the storage address unattended for more than 30 days.
- Loss or damage if there is no evidence of force or malicious damage, or if you don’t get a Police crime reference number.
Optional extras
- "In Transit" covers the insured vehicle for fire, theft, attempted theft or malicious damage, up to its market value, when it is in a truck, van or trailer, whilst being transported to and from pre-booked garage appointments, shows and events, track days or race meetings (subject to security requirements).
Attention
Before we can quote you must meet the following requirements:
- Classic cars and track cars must be secured in a locked building.
- SORN road cars/vans/campers over £40,000 must also be in a locked building.
BEFORE we can quote, as a minimum, you need any one of the following:
- Approved Ignition Immobiliser OR
- Approved Mechanical Immobiliser OR
- One of the listed Access Control Barriers
BEFORE we can quote, as a minimum, you need any of the following:
- Approved Alarm & Immobiliser OR
- Approved Ignition Immobiliser AND Approved Mechanical Immobiliser OR
- Approved Ignition Immobiliser AND one of the listed Access Control Barriers
BEFORE we can quote, as a minimum, you need the following:
- Approved Alarm & Immobiliser AND
- Approved Mechanical Immobiliser OR one of the listed Access Control Barriers
BEFORE we can quote, as a minimum, you need the following:
- Approved Alarm & Immobiliser AND
- Approved Mechanical Immobiliser OR one of the listed Access Control Barriers AND
- Approved Tracker
Include In Transit Cover
Are you sure you don't want to add cover whilst your vehicle is in transit?