Motor Insurance

Ashbourne Insurance recognises that, for many, “price” is a major consideration when buying motor insurance. However we do urge you to study the terms and conditions of an individual policy before you purchase; a cheap price will often be accompanied by “cheap” cover.

It doesn’t matter whether you pay £100 or £1000 for your car insurance, the only value you receive is when it comes to making a claim. Don’t find out before it’s too late. There can be many hidden terms and clauses within a policy wording.

Online quotes are based on a series of assumptions and many people don’t realise that failure to disclose an accident or motoring conviction can invalidate their policy and any subsequent claim. In addition, the policy excess or amount you have to pay in the event of a “fault” claim can be very high.

Ashbourne recommends that you discuss your needs with a trained professional who fully understands the many clauses and details within a policy wording. That way you have peace-of-mind and someone to refer back to in the event of a claim or query.

This approach doesn’t mean that you get a more expensive quote, far from it. Our experience shows that when comparing like-for-like cover with an online provider we are able to offer our local clients a more competitive alternative.

There are many instances where your requirements might fall outside the online “package” and Ashbourne recommends you don’t buy online if you have any of the following circumstances;

• Ex-company car users
• Previous accidents / claims
• Motoring convictions or driving bans
• High value / performance
• Exotic or imported vehicles
• Classic / prestige cars
• Multiple vehicle enquiries (family fleet)

Whilst Ashbourne doesn’t provide “cheap” cover, we do offer a competitive insurance solution for:

• Private cars, the family car, hot hatch, executive saloon, prestige marques, MPV or 4×4
• Motorcycles, scooters, tourers, racing replicas, courier use or American classics
• Family fleet: all the family vehicles under one policy
• Commercial vehicles: small vans up to 7.5t business and pleasure use