Car Insurance

Initio car insurance is exclusive to existing initio customers.

It’s car insurance designed for Homeowners. You’ll need to login to your dashboard and select the add car insurance button to start an instant quote with the car’s number plate.

With agreed value you select a set value that your insurance company agrees to cover. You can choose the value from a range of accepted values.

If your car is not repairable after a crash, you’ll be paid your full sum insured minus your excess. No arguments.

With a market value policy also choose a sum insured for your car. However, this isn’t necessarily how much you’ll be paid if you have a crash & your car isn’t repairable.

Your insurance company will determine the car’s value with a post-loss valuation, based on its age, wear, mileage and service history.

Therefore your payout could be either above or below your sum insured.

We prefer agreed value cover, as there’s more certainty about how much you’ll be paid if you have a bad accident.

Full Cover

Covers your car to its agreed value, and damage you cause to other cars or property. It’s the full piece of mind.

Third Party Fire & Theft

Covers the car for fire and theft, and damage you cause to other cars or property.

Third Party Only

Liability protection. Covers only damage you cause to other cars or property. Suitable if you’re not too worried about damage to the car.

A car usually gets written off when it suffers major damage. An insurance company will write the car off if costs too much to repair.

It might be that the repairs cost almost as much as the car is worth, or because the repairs will simply take too long.

If an insurer writes a vehicle off it will take ownership of the car (known as the wreck). They then sell the car at a damaged vehicle auction to recover some of its costs of paying the claim.

All car insurance claims need to be lodged online from your dashboard.

Any licensed driver that has your permission and meets the conditions of your policy will be covered.

The excess that applies can vary depending on the driver’s age and driving experience.

Payment need to be made from a credit or debit card, where we’ll automatically withdraw your premium each month.

You can use a repairer of your choice, or one from our approved repairers network.

If you would like us to help you choose a repairer we’ll recommend one of our approved repairers. These repairers come with:

– A Quality Guarantee

– Pre-authorisation to repair damage, speeding up the repair process

– Loan vehicles usually on hand

To find our approved repairers near you, use the supplier search tool.