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Car Insurance Glossary

Contained on this page are explanations to some of the most commonly used terms in the car insurance industry, if you have any more questions about these terms please do not hesitate to call us and one of our agents will be happy to help.

Conditions of Car Insurance - A requirement that is placed in the policy that you must obey or risk voiding your policy

Disclosure - You are obliged to tell the truth when applying for car insurance or it could invalidate your insurance policy

Excess - The amount that you will have to pay in the event of a claim.

Fully Comprehensive Car Insurance - The top level of insurance that you can take out as it covers your car against accidental damage

NCB (No Claims Bonus) - How many years you have had insurance without having to make a claim

Third Party Fire & Theft Car Insurance - This level of cover is the same as third party but also includes cover in case your car is stolen or set on fire.

Third Party Insurance - The bare minimum level of cover that you are required to have under UK law to protect innocent bystanders from losing out financially