Domestic Motor Vehicle Insurance is meant to cover
Domestic Motor Vehicle Insurance generally refers to any motor vehicle which can be operated on a standard driver’s license and that is less than two tones in carrying capacity. The motor vehicle can be used privately, for business purposes or for trade use and weather insured individually or as a fleet (5+ vehicles).

Domestic Motor Vehicle Insurance typically covers
There is a wide range of domestic motor vehicle insurance policies available with the most common motor vehicle insurance classes being:

• Comprehensive Motor Vehicle Insurance
  
  Comprehensive Motor Vehicle Insurance will cover the cost of repair or replacement of your motor vehicle in the event of a claim, as the result of your actions or that of a third party. It will also cover the costs incurred by third parties for property damage and personal injury in the event of an accident being your fault.

• Third Party Motor Vehicle Insurance
  
  Third party motor vehicle insurance will cover the costs incurred by third parties for property damage and personal injury in the event of an accident being your fault. This policy does not include any coverage for damages to the insured’s motor vehicle.

• Third Party, Fire & Theft Motor Vehicle Insurance.
  
  Third Party, Fire & Theft Motor Vehicle Insurance will cover the costs incurred by third parties for property damage and personal injury in the event of an accident being your fault. It will also cover the cost to repair or replace your motor vehicle in the event of a fire or theft only.

• Motor Vehicle Restoration Insurance
  
  Motor Vehicle Restoration insurance will provide cover for your car whilst being restored or built. The sum insured can be easily increased as progress is made on your motor vehicle; however there is no cover for the use or operation of your motor vehicle, or damage caused to third parties and their property.

 
As well as the main motor vehicle insurance classes listed above, there are a number of additional motor vehicle insurance cover options available for race, club registered, prestige and high end motor vehicles.

• Ensure the use of the motor vehicle is correctly listed as private, trade or business.

• Ensure that any young drivers are correctly listed on the policy and that you are aware of any limitations on use or increased excesses that may apply.
• Ensure that the operator of the motor vehicle is complying with relevant legislation at all times, or insurers have the opportunity to decline claims, such as in the case of accidents occurring whilst driving under the influence of alcohol.

View the most Frequently Asked Questions to learn more about the above class of insurance, or Ask a Question of our qualified risk advisers

Those interested in the above class of insurance have also found the following of interest:

•  Home & Contents Insurance
• Boat Insurance
• Income Protection
• Life Insurance