Motor
Your no-claims discount is a percentage of a moving number
Years of accumulated discount can coexist with a rising premium, because the discount applies to a base price the insurer resets…
Motor
Vehicle cover, excesses, no-claims protection and total-loss valuations.
21 articles · updated August 11, 2026 · page 2 of 2
Motor
Driving other cars is a crumb of cover, not a second policy
The extension some motor policies carry sounds generous and is deliberately thin. It usually leaves the car you are driving…
Motor
GAP cover pays the hole a total-loss valuation leaves behind
A motor insurer pays what the car was worth on the day it was written off. What you owe, or what you paid, can be a different…
Motor
Salvage categories follow a car for the rest of its life
A written-off vehicle is recorded against its identity, not just against the claim. That record changes what it is worth and who…
Motor
Theft with your own keys is the hardest motor claim to make
Vehicles taken without a broken window put a policyholder in an awkward position. The insurer starts by asking where the keys were.
Motor
Credit hire: the free replacement car with a bill behind it
After a non-fault accident somebody will offer you a car at no cost. The cost exists; it is simply pointed at the other insurer.
Motor
Breakdown cover is a service contract wearing an insurance badge
It is sold beside motor policies and behaves nothing like one. What you buy is a promise to attend, not a promise to indemnify.
Motor
Electric cars ask questions motor policies answer awkwardly
The battery, the cable and the charge point sit between three different policies. Deciding which one responds is not always obvious.
Motor
Convictions and past claims have a longer memory than you do
The questions asked at quotation reach back years and are checked against shared databases. Forgetting is treated much like…