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Are you in need of specialist car cover because of your non-standard situation? We’ve looked into the different policies that Insurance Factory can source as well as some of the key benefits. This insurance broker claims to be able to find car cover even for high-risk drivers such as young drivers or those with convictions. It can also find cover for owners of high-performance or modified cars. Here’s what else you need to know.Get a car quote with Quotezone.com
Insurance Factory is a specialist car insurance broker with more than 20 years of experience sourcing car insurance. As well as a range of car insurance products, it also offers cover for vans, taxis specialist vehicles and the motor trade.
Insurance Factory can source car insurance for owners of modified and high-performance cars. It also has policies for young drivers and those with motoring convictions as well as those with a chequered claims history.
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people and property | ✓ | ✓ | ✓ |
Fire and theft | ✓ | ✓ | |
Accidental damage | ✓ | ||
Windscreen cover | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Insurance Factory.
Check your policy details carefully to ensure you have the right cover for your needs.
Insurance Factory can provide add-ons to your policy including:
Your cover through Insurance Factory is likely to become invalid if any of the following arises:
The insurer that offers you the policy through Insurance Factory may also have its own set of exclusions. Check your policy for further details to confirm your cover is valid at all times.
As there are no claims line details on the Insurance Factory website, you will need to check your own policy document in order to find out how you should make a claim. You may find a claims line telephone number or an email address.
You should have the following information to hand in order to make a claim:
And 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.
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 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.
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.
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