INSURANCE FOR YOU | MOTOR

Car Insurance

We know how difficult it can be to get car insurance at a competitive price these days. The cost of motor claims is always increasing, making it difficult for insurers to make money in this sector. As a result of this insurers pass on the costs by increasing premiums or reducing cover to limit their exposure.

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Why choose us?

No Hassle Solution

Experts who will simplify your buying process.

Best Cover, Competitive Rates

Wide panel of insurers to get the best cover at a competitive price.

Extensive Claims Support

Helping you every step of the way when you have a claim.

Let An Expert Take The Stress

It’s so easy nowadays to browse the internet looking for ‘Cheap Car Insurance’ but it can also be stressful having to look at policy conditions/ exclusions and making sure that you are actually covered on the right basis. We look to help you and understand your needs and what is important to you when buying car insurance. This could be price, decent levels of cover, lower excess and a number of other covers such as Legal Expenses, Gap cover, Excess protection.

Let An Expert Take The Stress

It’s so easy nowadays to browse the internet looking for ‘Cheap Car Insurance’ but it can also be stressful having to look at policy conditions/ exclusions and making sure that you are actually covered on the right basis. We look to help you and understand your needs and what is important to you when buying car insurance. This could be price, decent levels of cover, lower excess and a number of other covers such as Legal Expenses, Gap cover, Excess protection.

Car insurance cover options

Single Vehicle Insurance

Your vehicles can be insured on the following different basis

Comprehensive – As the name suggests this is the widest form of cover as it covers any damages to your vehicles caused by theft, accident and fire. It also covers you if you damage a third-party vehicle or cause an injury to a third party.

Third-Party Fire and Theft – Covers you if you damage a third-party vehicle or cause injury to a third party. It also covers your own vehicles against fire damage, theft, and damage caused during an attempted theft.

Third Party Only – Legally, this is the minimum level of cover you must have to drive on public roads. This will cover you whilst driving vehicles, for damage, loss or injury that you cause to third parties. This is the least expensive level of cover but also the most basic.

Third party car insurance is the minimum level of cover you can take out – it is a legal requirement.

The term ‘third party’ refers to a person involved with a car insurance claim who is not you – (the holder of the policy or the driver). So this is usually the other driver involved in an accident.

A third party car insurance policy ensures that if you cause an accident, any damage to the other person’s vehicle or property will be paid for by your insurer.

However, damage to your vehicle will not be covered, and you will need to pay the bill yourself to get things fixed. You are also unable to make a claim if your car is damaged by fire or stolen.

Prestige Family Fleet

Prestige Family Fleet motor insurance is a flexible solution for multiple drivers and vehicles on one convenient policy. If your family operate two or more vehicles, specially-tailored family fleet insurance can often provide the most cost-effective protection for all of the family.

Gap Insurance

Gap insurance is an optional insurance cover for newer cars. It may pay the difference between the balance of a lease or loan due on a vehicle and what your insurance company pays if the car is considered a covered total loss. You may find that this cover is offered to you at a garage when you buy a new car. Experience has shown us that R K Henshall and Co Ltd can often be more competitive than the options available from the garage so don’t forget to contact us when you next change your vehicle.

Breakdown Cover

Breakdown cover is a type of insurance you take out in case your vehicle breaks down. It’s sometimes also called breakdown and recovery.

Legal Expenses Motor Insurance

Motor legal protection covers your legal expenses for any legal action you may take as the result of an accident.

Motor legal protection covers your legal fees, so you can pay for a solicitor to go after a third party on your behalf. This is usually to help you recover out of pocket expenses that a standard policy will not pay out for. These are also known as uninsured losses. Examples of uninsured losses could include:

  • Medical Expenses for personal injury following an accident
  • Some travel expenses
  • Out of pocket expenses
  • Hire car costs
  • Loss of earnings following an accident

Having motor legal protection in place allows you to pursue this without the risk of being even more out of pocket.

Motor Excess Insurance

Excess protection is an additional cover that is included as standard in some car insurance policies, or can be added on to others for a fee. It basically refunds the excess that you have to pay in a claim where there is no responsible third party.

Classic Car Insurance

If you have a classic car then this may need to be insured on a different basis to a normal vehicle. You may need to insure it on the basis of an agreed value and on a limited mileage basis too. Cover can also be arranged on a laid up basis whilst the vehicle is being restored.

Simply pick up the phone today and contact one of our personal lines account handlers on 01270 758070 who will talk you through all requirements. Or contact us here. Feel safe in our hands.

“We’ve insured our car with R K Henshall and Co Ltd for over 10 years. Mel and her team always take the time to help us with any queries, and always make sure that they get the best deal for us.”

Mr and Mrs Armstrong, Crewe
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Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.