Private Motor Insurance
10 Docs
How do I make a Private Motor Insurance claim?
Last Updated: October 9, 2026A Private Motor claim should be reported promptly with details of the accident, drivers, vehicles, damage and any police or third-party information.
What happens with a not-at-fault Private Motor Insurance claim?
Last Updated: October 9, 2026A not-at-fault driver can usually lodge a claim under their own Comprehensive Motor policy, with recovery then pursued against the responsible party where appropriate.
Does Private Motor Insurance cover modifications and accessories?
Last Updated: October 9, 2026Vehicle modifications and non-standard accessories should be disclosed because they can affect the insured value, insurer appetite and cover available.
Do I need to list every driver on my Private Motor Insurance?
Last Updated: October 9, 2026Private Motor insurers can require regular, main or younger drivers to be disclosed, and different excesses or restrictions can apply depending on who drives the vehicle.
Does Private Motor Insurance cover business use of my car?
Last Updated: October 9, 2026Some Private Motor policies permit limited business use, but regular or higher-risk commercial use may require Commercial Motor Insurance.
What is the difference between agreed value and market value car insurance?
Last Updated: October 9, 2026Agreed value is an amount agreed with the insurer for the policy period, while market value is based on the vehicle's value immediately before a covered total loss.
What is the difference between Comprehensive and Third Party Property Damage Car Insurance?
Last Updated: October 9, 2026Comprehensive Insurance can cover damage to your own vehicle and third-party property, while Third Party Property Damage primarily protects against damage caused to other people's property.
What does Comprehensive Private Motor Insurance cover?
Last Updated: October 9, 2026Comprehensive Motor Insurance can cover certain accidental damage, theft and weather damage to your car as well as liability for damage caused to other people's property.
What is Private Motor Insurance?
Last Updated: October 9, 2026Private Motor Insurance protects eligible privately used vehicles against selected risks such as accidental damage, theft and liability for damage to other people's property.
What is the difference between Commercial Motor and Private Motor Insurance?
Last Updated: October 11, 2026Commercial Motor Insurance is designed for business vehicle use, while Private Motor Insurance is primarily designed for personal use.