Motor
What a total-loss valuation actually means
When an insurer writes off a vehicle it pays market value, and market value is a specific figure you can contest.
Motor
Vehicle cover, excesses, no-claims protection and total-loss valuations.
21 articles · updated August 11, 2026 · page 1 of 2
Motor
The excess is the most under-used lever on a policy
Raising the excess lowers the premium immediately, and most policyholders would never have claimed for that amount anyway.
More in Motor
Motor
Comprehensive is often cheaper than third party, and that is not a mistake
The counter-intuitive pricing of motor cover levels tells you something real about how insurers read a quote.
Motor
Fronting: naming the wrong main driver voids motor cover
Putting a parent on a young driver's policy as the main user is a misrepresentation, and it is the one insurers look hardest for.
Motor
What a telematics box actually measures
Usage-based motor policies price you on recorded behaviour, and the metrics they use are narrower and more specific than most…
Motor
Every modification must be declared, including the ones that reduce risk
A modification is any change from manufacturer specification, and the obligation to disclose does not depend on whether it made the…
Motor
Windscreen claims have their own excess and their own rules
Glass cover sits outside the main policy in most respects, with a separate excess, a separate no-claims treatment and an approved…
Motor
A courtesy car is an add-on, not a right
Replacement vehicle cover is one of the most assumed and least checked benefits on a motor policy, and it usually stops exactly…
Motor
Social, domestic and pleasure: the use class that decides a motor claim
Class of use is one of the shortest fields on a motor quote and one of the most common reasons an otherwise valid claim fails.
Motor
Why a non-fault claim still raises your premium
You did nothing wrong, the other driver paid, and your renewal went up anyway. That is a rating outcome, not an error.
Motor
Uninsured and untraced drivers: what happens to your claim
Being hit by someone with no insurance is common enough that most countries have built a mechanism for it. What that mechanism pays…
Motor
Annual mileage is a declaration, not a guess
The mileage figure on a motor quote is a material fact, and a service record or odometer reading can contradict it years later.