Motor Insurance

Getting your Motor Insurance into gear

Motor Insurance can protect you and associated third parties against financial cost, in the event of an accident, fire or theft. It’s a legal requirement, with Third Party Cover being the legal minimum cover. If you choose to drive a car which is not insured, you will be breaking the law and you could be fined and/or disqualified from driving.

You can talk to our advisers at The Insurance Centre to find the Motor Insurance product which is right for you. We will search through a wide range of large UK providers to negotiate the right policy for you and your vehicle.

Optional Features 

  • Breakdown cover
  • Courtesy car
  • Excess protection
  • GAP
  • Legal expenses

Motorcycle Insurance

Burn some rubber, without burning your cash

Like Motor Insurance, Motorcycle Insurance is a legal requirement if you intend to ride your motorcycle on the road and the same penalties apply if you’re caught riding an uninsured vehicle. However dependent on the amount you use your bike, either recreationally or on a daily basis, this will affect your insurance premium.

You can talk to our advisors at The Insurance Centre to find the Motorcycle Insurance product which is right for you. We will search through a wide range of large UK providers to negotiate the right policy for you and your bike.

Optional Features 

  • Breakdown cover
  • Courtesy bike
  • Excess protection
  • GAP
  • Legal expenses

Caravan Insurance

Protecting your 'home-away-from-home'

Whilst it isn’t a legal requirement, it’s advisable to protect your caravan in the event of things like vandalism, theft and flooding. Caravan Insurance covers the caravan itself in case of damage and the majority of its contents. We can also source cover for any luxury items or high-end electrical appliances kept in your caravan.

If you already insure your home or vehicle through The Insurance Centre, get in touch with our team to see how quick and easy it is to obtain a quote for Caravan Insurance.

Key Features

  • Removal & recovery
  • Liability
  • Emergency accommodation
  • Contents
  • Applicable to hosted accommodation



Levels of Vehicle Cover

Third party only

Your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party cover.

Third party, fire and theft

Fire and theft cover to your car and your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party Fire & Theft cover.


Loss or damage to your car through accident, fire or theft and legal liability for injury or damage you or permitted drivers may cause to others as provided by Comprehensive cover .

Are you a learner driver, a new driver or a student?

For more information, to get a quote or even for immediate cover, click the link below.

Get insured

What factors can affect your Motor Insurance premiums?

You may be surprised at what's affecting your quote

From your postcode to your age, check out some common factors insurers take into account when providing you with a quote.


Younger drivers usually attract higher premiums, yet you may find rates drop drastically once you turn 25. The elderly are also considered higher risk drivers.


Where you live can drastically affect your insurance premiums. Those living in a rural town may get a quote of nearly half those living in a city centre.

The type of vehicle you drive

Both car type and engine size can have a significant impact on your insurance quote, generally the higher the car’s worth or risk, the higher the premium.

Number of years driving/miles driven per annum

How long you’ve driven for plays a part in deciding your insurance premium and how many miles you drive per annum also has an effect. Experienced drivers who drive infrequently may find they have lower premiums.

Driving history

Any penalties, including speeding offences will bump-up your insurance premiums.

Credit/Claims history

Insurers will look at your credit history as well as previous claims before deciding how much of a risk you pose.

No Claims Bonus

As a driver’s number of years having made no claims increases, they’ll often find their premium decreases.

Learner Driver Insurance

Ensure you're covered whilst learning the ropes

If you’re a learner driver practicing in someone else’s car whilst you get the hang of things, you could benefit from Learner Driver Insurance.

This is a fully comprehensive policy which ensures that the owner of the vehicle can be safe in the knowledge that, if something should happen, their vehicle and any third parties affected will be covered without affecting their No Claims Bonus.

This provisional policy can last 30, 60 or 90 days, with the option to be extended.

Get insured

Reducing your insurance premiums

There are a number of factors which affect your insurance premiums, such as location, age and engine size.

Some of these are out of your control, yet there are other ways to potentially reduce your Motor Insurance premiums.

In your car:

  • Avoid commuting
  • Secure your car overnight

Obtaining a quote: 

  • Increase your voluntary excess
  • Pay annually
  • Build up a No Claims Bonus
  • Don’t guess your annual mileage

Additional Cover

This will cover the gap between the value of the car when you bought it and the value it has when you make the claim.

This covers you in the event that you break down at home or on the road – giving you access to roadside assistance and recovery.

This covers the cost of the excess you agree to when you take out insurance for your car.

We have been using The Insurance Centre for a good number of years and they have always offered very competitive prices and they also answer any questions and queries efficiently.

Being able to call or visit the office has meant I’ve not had to spend time trying to contact insurance companies, which has enabled me to concentrate on other areas of our business.

I highly recommend this company and wouldn’t consider using anywhere else for our insurance needs. They are centred around customer care and the dedicated team are friendly, approachable and highly professional.

TIC are a company that care and they always go the extra mile.

Mrs K Smith | Lancaster

The Insurance Centre has provided insurance services to our company for a number of years. Their approach to customer service is incomparable, with expert advice and the most competitively priced policies to suit our business needs.

The support continues all through the insurance process from obtaining the initial quotations, changes to the cover during the term of the policy and providing assistance during accidents and claims. The Insurance Centre responds promptly and professionally to any communication.

We would highly recommend the company to anyone who is looking for a helpful, friendly, proactive and efficient approach to insurance services.

| Bay Scaffolding Ltd

I found The Insurance Centre a great company to deal with when sourcing my combined brewery and tap room insurance policy.

Suzanne’s advice was second-to-none, her attention to detail and tenacious approach meant that I was covered when my business was ready to open at a premium that was the most competitive amongst the quotes I had obtained. I will definitely be working with The Insurance Centre again in the future.

Dom Hope-Smith, Director | Carnival Brewing Company

Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.

Sarah and Ben Johnson | High Net Worth and Property portfolio client

Frequently Asked Questions

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