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DNA Insurance claims to offer cheap car insurance with discounts of up to 75% to a range of drivers and specialist cars. And the broker, that also provides taxi and short term insurance says every car cover policy includes legal protection should a dispute arise following an accident. Here’s what else you should know about DNA Insurance.
DNA Insurance is a broker that sources car insurance as well as taxi, van, minibus, travel, home, motor trade and landlord insurance.
DNA Insurance Services Ltd was established in 2003.
DNA Insurance’s Third party cover
Third party cover is the minimum level of cover that DNA Insurance offers. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.
DNA Insurance’s Third party, fire and theft cover
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
DNA Insurance’s Comprehensive cover
This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
The specific benefits to your insurance policy will vary depending on the level of cover you choose and the insurer that can provide it through DNA Insurance.
Check your policy details to ensure you have the right cover for your needs.
DNA Insurance offers policy bolt-ons including:
Any cover arranged through DNA Insurance is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
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.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You should call the DNA Insurance 24-hour claims line on 0800 288 9477 to report a claim. Or you can complete a form on the DNA website to log your claim.
DNA Insurance recommends that you gather the following information:
It’s important 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 later on.
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