Car Insurance2021-06-21T01:48:33+01:00

Car Insurance

Alongside our bespoke liability policies Inksurance are also to offer quotations on Commercial Car Insurance. Our aim is to make buying insurance as simple as possible for our clients. We have access to a large number of Fleet Insurers in the UK and am confident the premiums we quote are competitive in terms of price and level of cover.

We are also able to negotiate further discounts for the fitment of tracking devices, dash cameras/rear cameras and telematic devices.

We consider ourselves to be experts in this area and are not afraid to look at the hard to place risks. Essentially everything is insurable (at the correct premium) and we take that ethos into every insurer negotiation and while we may not always be able to provide terms you can feel confident that we have tried every option available to us to assist you.

If you have any further questions regarding any form of vehicle insurance, or you would like question the cover you currently have in place, please get in contact with us. We have also put together a list of our most frequently asked questions (and answers to these) from our clients below and hope they will be of some help to you.

Frequently asked questions (FAQ)

Can I cancel my policy if I change my mind?2019-08-07T23:28:03+01:00

Consumer policies tend to have a cooling off period. Some commercial policies will offer a pro rata cancellation refund if cancelled mid-term. Some policies are known as minimum and deposit. This means all the premium is due from the moment you take up the policy with no refunds given. It is always worth consulting with us regarding any questions you have around this. Our aim is always to provide you with the insurance solution which best fits your business and current needs.

What is a minimum and deposit policy?2019-08-07T23:27:32+01:00

This is a non-refundable insurance policy, usually reserved for liability insurance policies.

Do Insurers share information on claims?2019-08-07T23:26:54+01:00

On some occasions they do via selected registers. The best approach is to declare everything you think is relevant, thus removing any concerns you may have about historical data.

Are all policies you sell exactly the same?2019-08-07T23:26:18+01:00

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

What is a pro rata refund?2019-08-07T23:25:49+01:00

This is when a proportional amount of the premium is refunded in line with the amount of time that remained on the policy.

Do I need to declare any adverse financial history?2019-08-07T23:24:27+01:00

The answer is an emphatic yes! Most insurers will ask you a direct question in relation to liquidation or bankruptcies, it may be for a limited period or ask you to declare any incidents ever. It’s important to answer the question correctly as this is often an area that comes up when insurers are investigating claims.

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