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Car insurance

Cars are valuable but vulnerable assets. When on the road, other people's recklessness can damage your car and if you make a mistake yourself, the costs can really add up when you factor in repairs, lawyers' fees and any compensation due. Off the road, some thieves are constantly trying to outsmart the latest security measures, while others are more opportunistic in trying to steal your car or items left inside.

Towergate Riskline offer reliable car insurance that factors in risks associated with owning and operating a car, whether it's for business or private use.

With many years of providing vehicle insurance, Towergate Riskline are able to provide private car insurance, commercial car insurance and commercial fleet insurance to fit the individual requirements of most types of motorist. You may be surprised at the scope of cover available.

Key features

• Comprehensive cover option for your vehicle if accidentally damaged or stolen benefits include:
• Windscreen extension without affecting your no claims bonus
• Courtesy cars are provided subject to availability, some of our insurers include a guaranteed courtesy car
• Approved repairers - each insurer has their own nationwide network
• New replacement private car benefit applies to cars under a year old where you are the first registered owner, and the repair costs are greater than 50% of manufacturers recommended retail price (some insurers greater than 60%)
• Liability to third parties for damage to property, death or personal injury
• 24 hour telephone helpline for claims
• Third party only or third party fire and theft options
• Up to 60% no claims discount
• Protected no claims discount available after four consecutive years claim free, some of our insurers offer a guaranteed no claims discount option

Excesses

• From £100 - amounts vary according to age, type of vehicle and driving experience
• Premium discounts are available if higher voluntary amounts are selected
• Glass from £50

Exclusions include

If your vehicle is damaged while a young or inexperienced person (including you) is driving you will have to pay additional excesses (on top of the standard policy excess amount that will apply). Please check your policy for full details.

Motor policies include a requirement for you to take reasonable care to prevent losses occurring. For example loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it will not be covered if it has been left unlocked, left with the keys in it, left with the windows, roof panel or the roof open (in the case of a convertible vehicle) or reasonable precautions have not been taken to protect it.

Foreign use is limited to trips of up to 60 days and will only apply where your permanent home is in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man and you have contacted us prior to your trip - see FAQ.

For more information on this car insurance please go to the frequently asked questions section.