High Value Private Cars
High Value Private Cars Insurance
Standard Motor Insurance policies are typically promoted as homogenous products where the only differentiating factor is the price. There is usually little guidance with regard to policy coverage.

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.

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