Motor Guard

A policy with a wide range of benefits and backed by our in-house, award-winning claims service.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.

Overview

Motor Guard is our competitively priced private car insurance policy and is designed for standard risks.  Cover is available on a Comprehensive, Third Party Fire and Theft and Third Party Only basis. 

Who is it for?

  • Privately owned vehicles
  • Drivers requiring comprehensive cover for vehicles valued up to £60,000
  • Drivers requiring third party fire and theft cover for vehicles valued up to £4,000
  • Drivers between the age of 17 and 85 years old

How to get a quote

Via your software house

Cover

Comprehensive

Cover Motor Guard
Loss of or damage to the insured vehicle Up to market value
Third party injury Unlimited
Third party property damage £20 million limit for third party property damage and £5 million for costs and expenses
Audio, navigational and entertainment equipment £1,000 for standard fit equipment. £300 limit for non standard fit; provided this equipment is permanently fitted to the car.
Lost car keys and replacement locks £500 limit
Medical expenses £100 limit for each injured person
Repairing and replacement of glass Unlimited if approved supplier used
Personal accident benefits Death £2,500. Loss of sight or limb £1,500. Policy limit £10,000 each accident and £2,500 any one person.
Personal belongings £100 limit
Hotel and travel expenses Cover limited to £50 per person, up to a maximum of £250 
Use of car in EU 90 days cover as shown on the Schedule is provided

 Third party fire and theft

Cover Motor Guard
Loss of or damage to the insured vehicle Up to market value
Third party injury Unlimited
Third party property damage £20 million limit for third party property damage and £5 million for costs and expenses
Audio, navigational and entertain Unlimited for standard fit equipment. £300 limit for non standard fit
Replacement child car seat Up to market value
Use of car in EU 90 days cover as shown on the Schedule is provided

 Third party only

Cover Motor Guard
Third party injury Unlimited
Third party property damage £20 million limit for third party property damage and £5 million for costs and expenses
Use of car in EU 90 days cover as shown on the Schedule is provided

Excesses

Excess Motor Guard
Comprehensive accidental damage £100 to £400 (dependent on vehicle group
Fire, theft and malicious damage £100
Replacement glass £10 excess if glass is repaired. £60 excess if glass is replaced.
Inexperienced / Young drivers excess (additional to accidental damage excess - Comprehensive only).  

Drivers aged 17 to 20 years - £350
Drivers aged 21 to 24 years - £250
Drivers aged 25 years or older who have not held a Full UK or EU licence for at least 12 months - £250            

Benefits

  • Up to 9 years no claim discount
  • Protected bonus available if four years or more no claim discount
  • Small courtesy car for the duration of repairs, if using an approved repairer - comprehensive only
  • Three years guarantee on all repairs carried out by an approved repairer
  • In the event of total loss, a new car replacement may be available providing car is under 12 months old and was first registered as new in the policyholder's name
  • 90 days cover as shown on the Schedule is provided within the EU

Documents

Motor Guard