Too often there is minimal explanation or guidance on the policy wordings or coverage shortfalls and there is a sole reliance on pricing to lure buyers from one homogenous policy to another.
High Value Private Motor Insurers offer a dramatically different approach based upon the broadest policy wording and extensive coverage.
Merritt Insurance arranges cover for:
Agreed Value – The agreed value stated in your policy schedule is the amount that will be paid in the event of a total loss without any deduction. Thus providing both certainty and removes the shortcomings of ‘market value at a time of loss’ that standard insurers rely on. With agreed value there is no need to buy gap insurance.
Comprehensive cover while driving other cars – Is automatically included while driving cars that do not belong to the insured.
Any Driver Cover – There is fully comprehensive cover for non- family members whilst driving your insured cars.
European Motor Breakdown – Is automatically included as part of policy coverage.
Multi Vehicles Covered Under One Policy – There is no need to have multi policies with different renewal dates as all cars can be included under one policy.
Guaranteed Replacement Cover – For vehicles less than 15 years old and in the event of a total loss, insurers will pay the cost to replace your vehicle with a similar vehicle even if the cost exceeds the value shown on your insurance schedule.
Your Choice of Vehicle Repairer – Following an accident you can choose your own repairer or use one on the preferred repairer list.
No Deduction for Wear and Tear for Replacement Parts – This potentially could save you many hundreds of pounds when compared to a standard motor product.
‘Green Card’ Coverage – Driving in the European Union is automatically included and based upon comprehensive cover.
European Motor Assistance Cover Automatically Included – Emergency and overnight accommodation costs are included.
Similar Style Courtesy Car – Insurers will provide a temporary car of a similar specification to your damaged car for the time that your vehicle is being repaired, or until your theft claim is settled.