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Demands and Needs Statements

Car Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Please note that some providers may return a quote with a higher voluntary excess if they cannot match your request. Motor insurance meets the demands and needs of someone who wants to insure against third party liability following a road accident. If you also asked for cover for either fire, theft or comprehensive insurance then the motor policy will also meet the needs of someone wanting to insurer the cost of repairing or replacing some damage to their vehicle. That damage cost would need to be above the excess limit and arise from the risks you selected to insure.

Home Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Please note that some providers may return a quote with a higher voluntary excess if they cannot match your request. Home insurance is split into various sections each with its own sum insured. You will have been asked to select cover and sums insured under those sections. Some providers may return quotes for sums insured that are lower than you requested. Generally Home insurance meets the demands and needs of someone who wants to insurance against loss caused by damage to their home or contents or liability to third parties arising out of occupation of that home, provided that the loss arose from the risks and sections of cover you requested.

Van Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Please note that some providers may return a quote with a higher voluntary excess if they cannot match your request. Van insurance meets the demands and needs of someone who wants to insure against third party liability following a road accident. If you also asked for cover for either fire, theft or comprehensive insurance then the motor policy will also meet the needs of someone wanting to insurer the cost of repairing or replacing some damage to their vehicle. That damage cost would need to be above the excess limit and arise from the risks you selected to insure.

Bike Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Please note that some providers may return a quote with a higher voluntary excess if they cannot match your request. Bike insurance meets the demands and needs of someone who wants to insure against third party liability following a road accident. If you also asked for cover for either fire, theft or comprehensive insurance then the bike policy will also meet the needs of someone wanting to insurer the cost of repairing or replacing some damage to their vehicle. That damage cost would need to be above the excess limit and arise from the risks you selected to insure.

Pet Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Pet insurance meets the demands and needs for someone who wants to provide some cover for insured veterinary fees. The level of cover will vary from policy to policy and the choices you made during the application process. Some policies are more comprehensive than others.

Travel Insurance

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Travel insurance is usually made up of a collection of cover sections. The cover meets the demands and needs of those travelling on a round trip, such as a holiday, who wish to insure against unexpected loss, injury, liability or damage. Cover varies between providers, the sections of cover you requested and how comprehensive that insurance policy is intended to be. Some providers may not be able to return quotes that exactly match all the sections and sums insureds you were interested in.

Breakdown Cover

During the application process you will have been asked to indicate the type of cover you were looking for. We send that request out to brokers and insurers who return quotes based on that request or as near as they can get. Breakdown cover meets the needs of those who want to protect themselves against the cost of an unexpected vehicle breakdown. Policies vary in cover given and there may be limitations for certain types of vehicle or vehicle usage. Not all breakdown cover is written as an insurance contract or a regulated insurance contract.

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