Motor Insurance
 As Livingstones Warman Insurance Brokers are an independent insurance broker, we have access to a large number of insurers and schemes (roughly 20 insurers with at least 2 schemes each = a lot of choice!), all policies have 3 separate levels of cover:
Fully Comprehensive
Covers Accidental Damage, Malicious Damage, Fire & Theft to the insured vehicle (including glass cover) most policies cover personal effects in the car, however the sums insured is nominal. We always advise you not to leave personal effects on show in your vehicle at any time. All Insurers' offer an Approved Repairer Scheme, Courtesy car (subject to status) and Guaranteed repairs (normally 3 - 5 years).
There is an excess on all policies, which does vary between ages of drivers and vehicle models.
Third Party Fire & Theft
Covers Fire, Theft to the insured vehicle, legal liability to members of the general public and damage to third party vehicles/property. All policies exclude windscreen cover, accidental damage cover and personal effects in the car. We always recommend that you purchase Legal Expenses cover (see details below) to run in conjunction with your motor policy.
Third Party Only
A very basic policy that most insurers are trying to dispense with. The policy covers your legal liability to members of the general public and damage to third party vehicles/property.
All Insurance Policies do differ slightly - A specimen policy for each Insurer is available on request.
Legal Expenses Insurance
A separate "add on" policy that we always recommend that you purchase. The policy covers you in the event of a non-fault claim (there must be a third party involved). It covers up to £50,000 legal expenses, a dedicated claims handler to deal with your Uninsured loss recovery (policy excess, repairs to vehicle, personal injury etc.). They are also able to provide you with a courtesy car (subject to status, conditions apply) if your Insurer does not provide one (e.g. your car is written off, or your cover is Third Party Fire & Theft or Third Party Only).
The policy is administered by Angel Assistance Limited part of the Helphire Group plc. The policy is fully underwritten and complies with the ABI code for legal expenses policies.
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