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Struggling to find the right cover for your modified car or tricky driving history? You’ll find not only standard cover through Brightside Insurance Services but, if you’ve got a high-performance or modified car, or a previous conviction, this broker claims it’ll still get you a decent rate.
Brightside Insurance Services is an independent insurance broker that provides separate car, van and bike insurance as well as a range of other personal and commercial products such as taxi, pet and landlord insurance.
Brightside started out as a specialist van insurer in 2001, and has expanded over the years to offer a range of products through several different brands, including Brightside Insurance, Commercial Vehicle Direct, One Insurance Solution, Pro-Sport Insurance and AXA Specialist Risks.
Third party cover is the minimum level of cover that Brightside offers. All drivers in the UK are legally obliged to have at least this insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. It won’t however, cover any damage to your own car.
This will give the same level of cover as third party but will also provide protection against any fire damage to your car or theft of your car.
This gives the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It can be cheaper than third party, or TPFT, so it’s always worth checking.
Here’s a breakdown of the benefits and features to each level of cover offered by MCE
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people | ✓ | ✓ | ✓ |
Fire and theft | – | ✓ | ✓ |
Personal accident cover | – | – | ✓ |
90-day European cover | – | – | ✓ |
Courtesy car | – | – | ✓ |
In addition to the standard levels of cover, Brightside Insurance can also provide a range of additional protection to add to your policy, including:
There are a few exclusions that Brightside Insurance has for its policies. Your cover is likely to become invalid if any of the following arises:
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You should call the Brightside Insurance claims line on 0333 222 4548. This is a 24-hour claim line open seven days a week. You’ll need to provide:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim.
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