Car Insurance

Car insurance isn’t just a legal requirement, it’s necessary for your financial protection. If an uninsured driver were to get into an accident, they may well find themselves saddled with costly medical and repair bills.

The right car insurance policy provides financial protection in the event of an accident. It can also cover injuries to pedestrians, other drivers and passengers in your car.

With so many options for cover available, motorists need to shop around for the best deal – that’s where Brunel comes in.

Why choose Brunel for your Car Insurance?

Unlike some general brokers, including those on comparison sites, Brunel’s independence means that we are not restricted to limited panels of insurers and do not operate schemes. We provide extensive insurance solutions and have access to a wide market of insurers. On your behalf, our team will approach the open market and use their excellent market relationships to whittle down the cost of your premium*, arranging suitable covers tailored to you at a competitive price.

Whether you’re looking to insure a new vehicle or beat your current provider’s renewal quote, our quick and easy price comparison service is designed to save you time and money.

If you need third-party cover, fully comprehensive insurance cover or something more specialised, we can help. We can also offer cover for high-risk drivers, over 50s, classic vehicles, high-value and performance vehicles, motorcycles, motorhomes, commercial vehicles and caravans.

We are also able to offer a wide range of extra covers such as legal expenses, claims assistance, courtesy car and breakdown cover.

With an insurance policy arranged by Brunel, your vehicle will be protected against the unexpected, whatever that may be.

To obtain a quotation, please call us on 01934 643 400 or request a quote below and a member of our team will be in touch shortly.

*high-net-worth and non-standard risks

GAP Insurance

It’s an unfortunate fact that cars depreciate from the moment they’re first driven. Typically, a new car’s value will drop by 15-35% after the first 12 months of ownership.

If your car was ever written off or stolen, the amount paid by your insurer will be based on their estimate of your vehicle’s current market value. In some cases, there can be a large difference between the price paid for the car and the amount paid out for a claim. If you were in an accident, would you be able to afford 35% of your car finance?

Imagine—you buy yourself a new car for £25,000. It drops in value by 60% over the first five years, bringing the market value down to £10,000. If your car was then written off or stolen, you would receive the reduced sum from your insurer. This would leave you with a gap of £15,000 between the amount you paid for the car and the sum paid out by your insurer. As the proposer, bridging this gap would be your responsibility.

Guaranteed Asset Protection (GAP) insurance would protect you against this loss. A GAP policy is designed to cover the difference between your car’s current market value and the amount initially paid, or any outstanding payments.

GAP insurance is highly recommended for newer cars that depreciate faster, as well as for those with financed cars. If you purchased your car on finance, it’s essential to choose a GAP product that will also settle any outstanding finance on the vehicle in the event of a total loss.

It’s important to remember there are often clauses on the new car replacement cover in a motor policy such as:

You must be the first registered owner and keeper of the vehicle so if the car is pre-registered you will not receive the new car benefit.

Subject to the finance provider’s agreement, finance providers sometimes inflate the residual value of the vehicle and do not agree to the new car benefit.

Even with a fully comprehensive motor insurance policy, you are still at risk of financial loss without GAP insurance. Contact our experts today to discuss your requirements.