We keep you motoring
Providing financial protection for individual car owners and drivers against various risks associated with owning and operating a private vehicle.
We understand that your car is more than just a vehicle; it’s an essential part of your daily life. That’s why we’re here to offer you comprehensive and reliable motor insurance coverage tailored to your needs. With our years of expertise in the industry, we strive to provide you with the utmost protection and peace of mind while on the road.
Why Choose RS Insurance Brokers?
Extensive Coverage Options: We offer a range of motor insurance policies designed to cater to all types of drivers. Whether you’re a seasoned motorist or a new driver, we have the perfect coverage to suit your requirements.
Guaranteed Courtesy Vehicle: As part of the legal expenses produce, we are able to offer a guaranteed courtesy vehicle in the event of an accident, theft or total loss incident – a benefit that is not normally included by the majority of insurers.
Competitive Premiums: We believe that great coverage doesn’t have to come at a high cost. Our team works tirelessly to find the best insurance solutions for you, ensuring you get value for your money.
Customer Support: Our dedicated customer support team is available round-the-clock to assist you with any queries, claims, or emergencies, ensuring you get the help you need when you need it.
Quick and Hassle-Free Claims Process: Accidents happen, and when they do, you can count on us to guide you through a seamless and straightforward claims process. We’re here to get you back on the road as soon as possible.
No-Claim Bonus Protection: Your safe driving deserves to be rewarded. With our no-claim bonus protection, you can maintain your hard-earned discount even if you make a claim.
Personalized Service: We believe in building long-lasting relationships with our customers. Our experienced insurance advisors take the time to understand your unique needs and offer tailored solutions for your peace of mind.
Our primary goal is to make the process of obtaining Motor Insurance as smooth and efficient as possible for you. Here’s how we can assist you in securing the right coverage:
Access to Multiple Insurers: As an independent broker, we have access to a wide network of reputable insurers. we can shop around on your behalf, comparing different policies to find the best coverage at competitive prices.
Explaining Coverage: We’ll provide clear and comprehensive explanations of the coverage offered by different policies. This way, you’ll have a thorough understanding of what is included in your insurance and what it protects against..
Ongoing Support: We are here to provide ongoing support throughout the policy term. Whether you have questions, need to make changes to your coverage, or want to explore additional insurance options, we’ll be available to assist you.
Saving You Time and Effort: We take on the task of researching, comparing, and negotiating insurance policies on your behalf, saving you valuable time and effort while ensuring you get the best possible coverage.
Private car insurance is a type of insurance that provides financial protection for individual car owners and drivers against various risks associated with owning and operating a private car. It is a legal requirement for all drivers in the UK to have at least a minimum level of car insurance to drive on public roads.
Key features of private car insurance:
Coverage options: Private car insurance offers different levels of coverage, including:
- Third-party only: Covers liability for injury or damage to other people and their property.
- Third-party, fire and theft: Provides the same coverage as third-party only, with additional protection against fire damage and theft of the insured vehicle.
- Comprehensive: Offers the widest coverage, including protection for damage to the insured car, personal injury, and third-party liability.
Premiums: The cost of private car insurance is determined based on several factors, including the driver’s age, driving experience, location, car model, usage, and claims history.
No Claims Bonus (NCB): Drivers can earn a No Claims Bonus for each year they drive without making a claim. This can lead to reduced premiums over time, rewarding safe driving behaviour.
Excess: The policyholder agrees to pay a certain amount, known as the excess, towards any claim they make. The insurer covers the remaining costs.
Legal requirement: All drivers in the UK are legally required to have at least third-party only insurance to cover liability for injury or damage caused to others
In addition to your motor insurance, we can offer various ‘bolt-on’ products to enhance your cover
Breakdown & Recovery: We have access to one of the markets leading breakdown providers, the RAC. Providing cover at home & roadside, vehicle recovery, onward travel in the UK & EU if required. No vehicle age limits. As the policy covers the vehicle as opposed to the driver, any insured person driving your vehicle will have use of the breakdown support.
Legal Expenses: Not only providing £100,000 Legal Expense Cover but also a GUARANTEED courtesy vehicle in the event of an accident, theft or total loss incident – benefits that are not normally included by the majority of Insurers.
Excess Protection: Working in conjunction with your normal insurance and covers the cost of your excess up to a pre-agreed limit, which includes both the compulsory and voluntary excesses of either a single policy,
GAP Insurance: Also known as Guaranteed Asset Protection Insurance, it is designed to bridge the gap between the original invoice amount paid for the vehicle and the actual market value of the vehicle at the time of a total loss or theft
Simply get in touch – Feel free to email or call and one of our personal lines team will be on hand to assist.
Alternatively you can complete the contact form (with our contact information below). Here you can specify your requirements, a preferred time & contact type – we will receive this in the office and one our advisors will be in touch as requested.
meet our panel
A selection of the insurers available to us, allowing us to offer expert independent advice to meet your insurance needs.