The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Motor Insurance
Motor cover should match how the vehicle is used: private errands, a commute, or occasional business trips. We quote third-party, third-party fire and theft, and comprehensive protection, and we explain what an excess, a no-claim record, and a named-driver list do to the contribution. Agreed value is available for cherished vehicles when a market value would not put the same car back in your garage.
- Private cars, household fleets of two or three, and bikes
- Named drivers and occasional drivers listed properly
- Windscreen, courtesy vehicle, and roadside options where offered
- Agreed value for classics and carefully kept cars
Before you buy
Special points we want you to notice
Tell us about modifications, the true overnight location, and anyone who will drive even once a month. A claim is harder to support when the person at the wheel was never declared. If you also need cover while a car is being repaired, ask us to show that option on the illustration rather than assuming it sits inside every comprehensive policy.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.