companies will provide a basic vehicle for you to use whilst your
vehicle is being repaired. If your vehicle is critical to your work,
this option can be invaluable. The cost of the courtesy car will usually
be reflected in the cost of the policy.
||You will be
required to pay this amount on any claim you make. A high excess can
make small claims impractical. Always check this and go for the lowest
you can find.
Institute of Advanced Motorists
that promotes advanced driving skills.
||Every year you
have insurance but do not make a claim, you build up your NCD. This is
measured in years and can give you up to 60% discount.
Claims Discount (PNCD)
Claims discount allows you to make a certain number of claims without
losing your NCD. This costs slighty more on your premium but could save
you thousands. If you have an accident, your premium will rise slightly
at renewal as the accident will still be on your record.
Berkshire, this is where all official vehicle safety and security tests
are carried out.