WHY US?
Motor & Home Direct offer quotations both over the phone or via their website so whichever way you prefer to buy your insurance - Motor & Home Direct are happy to help.
As a broker, Motor and Home Direct use a panel of over 20 insurers enabling us to get the best policy for you at the best price and all our policies come with excellent features and benefits.
Quotations via our dedicated call centre
Motor and Home Directs dedicated call centre is ready and waiting to take your call. Our knowledgeable and friendly team will run through a quote in just a few minutes and offer you advise on any queries you might have allowing for a truly personal service and a policy tailored specifically to your needs.
If you need to make any changes to your policy mid-term, simply call the Customer Services team who will be happy to assist with any amendments. You will be notified of your renewal by post.
Quotations via our online sales site
Motor and Home Direct also offer quotations online, 24/7. Simply enter your details onto the online form and you will receive an instant quote for your policy. If you are happy with the rate we quoted, you can purchase the policy immediately online or alternatively at a later date using the unique reference you are issued. You can either pay for your policy in one lump sum or spread the payment using our instalment option.
If you need to make any changes to your policy mid-term, simply call the Customer Services team who will be happy to assist with any amendments. You will be notified of your renewal by post.
MOTOR INFORMATION
Reducing Mileage
Insurers now offer mileage discounts of up to 20% based on the annual mileage of the policyholder. This allows policyholders with a low annual mileage to enjoy savings on their annual premium.
Garaging
Insurers allow discounts of up to 7.5% if you garage the vehicle overnight, or even if the vehicle is parked off road, on a driveway, or in a private car park.
Security
Whilst most modern vehicles are fitted with Alarms, Immobilisers and Trackers, insurers do not automatically discount. If your vehicle is fitted with an Alarm, Immobiliser or a tracker, please provide us with the make and model number as you may be entitled to a discount of up to 10%.
Policy Excess
The majority of policies carry an excess of £100.00 however this may be increased as a result of a policy discount. If you elect to pay a higher excess of for example £250.00 or £500.00, in the event of a non fault accident we are able to recover this excess from the third party insurers.
Driver Discounts
Consider who you require to drive under your policy. If you have an "any driver" policy, do you require any driver over the age of 21, 25 or over 30?, as each age band excluded can attract discounts. Can you restrict the driving to named and approved drivers? If your children are away at University do you require them on the policy all year round? If you have a policy restricted to the policyholder only, adding your spouse/common law spouse may reduce your premium.
No Claims Bonus
It is important that you let us know about any No Claims Bonus you may have built up as this may considerably reduce your policy premium. In addition, if you have access to more than one vehicle in the family, we can allow discounts of up to 60% for second cars, drivers insured under existing polices buying their own car, and people buying a car having opted out of a company car arrangement.
Vehicle Cover
When choosing the correct level of cover for your vehicle, carefully consider which cover is suitable to the age and value of your vehicle and the features and benefits included. Vehicles of a certain value can only be covered Fully Comprehensive however if insuring an older vehicle with a low value, you may choose to reduce cover toThird party Fire and Theft to reduce costs.
Advanced Driving Qualifications
Discounts are available for members of the IAM. Discounts are available for new drivers that hold the pass plus qualification.
Authorised and regulated by the Financial Services Authority (Reg no. 300909)
HOME INFORMATION
Joint Buildings and Contents Policy
Enjoy premium discounts and reduced policy excess, when taking out a combined Buildings and Contents policy.
No Claims Bonus
Discounts of up to 30% can be obtained on both Buildings and Contents Insurance for policyholders who have not made claims under previous policies.
All Risks Cover-Single Article Limit
If you require all risks cover, please advise us of the most expensive item you require to be insured outside of the home, as it may be more competitive to specify the item to be insured under the policy, or provide a policy that has a single article limit greater than that required.
Security
If your home is fitted with a Burglar Alarm, has window locks, and five mortice lever deadlocks, discounts are available. In addition to this, discounts are also given if the property has smoke detectors.
Neighbourhood Watch Scheme
If you are a member of a neighbourhood watch scheme, discounts are available.
Policy Excess
Should you elect to pay a higher excess, then discounts are available.
Selecting Cover Required
You can select either Standard cover or accidental damage cover. Standard cover could save you up to 10% on your building insurance premium and up to 50% on your contents insurance.
Money
Money is covered as standard on some of our policies. We request that you specify if you require this level of cover at the quotation stage as in some cases this may lead to an increase in premium.
Freezer Contents Cover
Insurers provide freezer contents cover up to a certain value free of charge. If you require cover for goods in excess of £250 this may result in an increase in premium.
Pedal Cycle Cover
If you require this level of cover, please confirm the number of pedal bikes you would like to insure and their value at quotation stage. In some cases insurers will provide this cover free of charge, otherwise cover will be subject to additional charges.