Car insurance basics

Roadside Assist now online!

If you’ve signed up for initio’s Roadside Assist service and find yourself stranded due to a breakdown, help is just a few taps away. With Roadside Assist Online, getting back on the road has never been easier. Roadside Assist Online… Learn more

How do I buy my first vehicle policy?

So you have just insured your property with us. Awesome! But you are wondering how to add insurance for your vehicle? This guide will walk you through the essential steps: getting a quote, customising your cover, disclosing necessary information, and making your payment. 1. Get an instant quote… Learn more

Roadside Assist for Initio Vehicle Customers

Your safety on the road is our priority, and we’ve taken comprehensive measures to ensure you’re covered in every situation. Here, you’ll find everything you need to know about our roadside assist service. Roadside Assist Overview Initio, backed by IAG, is committed to providing comprehensive support to its existing… Learn more

Am I still insured if I crash without a warrant?

It’s the stuff of nightmares. The family car is booked in for a Warrant on Tuesday, but you still have to do the Monday school run. Everything runs to plan until a distracted driver rear-ends you at the lights. Will your insurance still cover the damage? Don’t worry,… Learn more

How does Claims Grade and Knock-for-Knock work?

When you have had claims you may have to pay more premium on your insurance. Don’t be offended, insurance companies are just trying to automatically place a price on the risk of the driver. In insurance driving this is called ‘pricing risk’. Car insurance is a bit different to… Learn more

What is Driver Grade?

The main driver’s age and loss history is a major factor in calculating your car insurance premium When you get a quote from us we ask about the number of claims you’ve had in the last five years, where you or the owner paid the excess. Each anniversary,… Learn more

What business use is my car covered for?

Our robust cover means it’s not the end of the world if you use your car for business use. You’re still covered as long as it’s none of the below. Business use that will not have cover: Ride-sharing, or carrying fare-paying passengers such as a Taxi, or… Learn more