Motor Insurance

Question 1

What are the 4 levels of cover available?

Answer 1

Road traffic Act only (RTA only), Third Party only (TPO), Third Party Fire and Theft (TPFT), Comprehensive.

Question 2

Name 5 optional extensions available in addition to the standard private motor policy cover.

Answer 2

Breakage of glass
personal belongings and clothing
Young additional drivers
Loss of use
Personal accident benefits
Foreign Use
Elections
Racing, competitions, rallies and trials
Caravans and trailers
Breakdown cover
Motor legal expenses
Joint policies
Multi car policies

Question 3

Name 4 exclusions on the standard private motor policy cover.

Answer 3

driving by unlicensed drivers;
use of the insured vehicle outside that permitted by the policy;
contractual liability;
war risks;
radioactive contamination and explosive nuclear assembly;
riot and civil commotion in Northern Ireland, for own damage cover;
sonic bangs (i.e. pressure waves from sonic/supersonic aircraft or other aerial device); and
pollution and contamination unless arising from a single identifiable event.

Question 4

Name 3 optional extensions available in addition to the standard motorcycle policy cover.

Answer 4

Trailers
Riding other motorcycles
More than one cycle insured
‘Invalid carriages’ (mobility vehicles)

Question 5

Name 5 optional extensions available in addition to the standard commercial motor policy cover.

Answer 5

Third party property damage
Medical expenses; personal accident benefits
Personal belongings and clothing
Windscreen/glass cover
Indemnity to hirers
Indemnity to principal
Carnivals
Sheets and ropes etc.
Loss of use
Loss of tools in transit