To find out about an opportunity to get some ‘pre’ driver experience in Essex in an off road environment go to:

Chelmsford Yound Driver Scheme

Colchester Young Driver Scheme

Earles Colne Young Driver Scheme

10.04.2015 Insurance jargon


Need a little help understanding insurance speak. Here's a rundown of some phrases:

Cover The details of what your policy protects you against
Premium What you pay for your insurance policy
Claim The money you ask your insurer to pay if something happens
Excess You pay for the first chunk of a claim; that’s the excess. How much depends on your policy and claim
No claims bonus (NCB) If you don’t claim for a certain period, often one year, you get an extra year’s NCB when you renew your policy
Extras This could include windscreen cover, legal cover (legal advice) and free breakdown cover
Write-off This means it’ll cost more to repair your bashed up car than it’s worth. Your motor doesn’t even need to be a wreck; fancy stuff like air con and airbags are expensive to repair