Prestige Motor Insurance for Professionals

Motor insurance to cover your vehicles * 

Overview

The Prestige Motor Insurance is a private car insurance product designed to cover the needs of professionals for their own vehicles.*

Key benefits

  • Fully comprehensive cover
  • Business use for the policyholder included
  • Protected no claims bonus included1
  • New car replacement - if bought new and within 24 months, stolen and not recovered, or repair cost is over 60% of list price at the time of purchase 2

About Aon

Aon is one of the UK's largest insurance brokers (ranked 3rd by brokerage, Insurance Times, August 2016) 

Aon Professional Services Group (PSG) specialise in professional indemnity, motor and office insurance for specific industries. As an Aon client you'll benefit from a personal service delivered by our client managers.

1 Subject to claims history.

2 Where the 24 months new car replacement option is not available the maximum amount that will be paid out is the market value of your vehicle immediately prior to loss or damage.


Policy

Product summary

  • The policy cover extends to all EU countries and includes 90 days automatic cover when outside of the UK 1
  • Child seat cover - £100 limit each incident
  • Personal belongings cover - £150 limit each incident (including luggage racks, roof boxes and cycle carriers)
  • Medical expenses cover - £100 per person
  • Uninsured loss recovery and courtesy car following accident
  • Audio and visual equipment - no limit
  • Loss/theft of key cover- no limit
  • Personal accident benefits up to £2,500 limit each incident
  • Direct claim service 2 including a courtesy car at no additional cost and 24 hour assistance

Plus extra benefits:

  • Legal expenses cover, at no additional cost 3

1 Cover provided for EU travel is limited to the compulsory insurance requirement for that country only.

2 All claims are handled directly by the insurer, Aviva with the exception of legal expenses and uninsured loss which is handled by Lawshield.

3 Legal expenses and uninsured loss is provided by Lawshield UK Limited.

Download policy

Claims

To make a claim, call the claims helpline 1 on 0333 043 1292

Please have the following information available when calling:

  • Your policy/certificate of motor insurance number
  • Policyholder name
  • Expiry date of your policy

Lines open 24 hours a day, 365 days a year. Telephone calls may be recorded.

FAQs

Frequently asked questions about the Prestige Motor Insurance

How will my no claims bonus be affected if I make a claim?

If you haven't protected your No Claims Bonus and make a claim, the effect will be as follows:

  • 5 years + No Claims Discount will be reduced to 3 years at renewal following a claim

  • 4 years No Claims Discount will be reduced to 2 years at renewal following a claim

  • 3 years No Claims Discount will be reduced to 1 year at renewal following a claim

  • 2 years or 1 year No Claims Discount will be reduced to zero at renewal following a claim.


If you have protection for your No Claims Bonus on your policy, your bonus will be unaffected at renewal, providing that there are not more than two claims made in a five year period. If more than two claims are made within a five year period, the Protection will be withdrawn and the effect will be as follows:

  • 5 years+ No Claims Discount will be reduced to 3 years at renewal following a claim

  • 4 years No Claims Discount will be reduced to 2 years at renewal following a claim

  • 3 years No Claims Discount will be reduced to 1 year at renewal following a claim

  • 2 years or 1 year No Claims Discount will be reduced to zero at renewal following a claim.


If you do not make a claim under your policy, you will continue to build your number of years No Claims Discount.

Who can drive the cars?

Cover is restricted to named drivers only – all drivers must be named and approved by insurers.

Am I insured to travel abroad?

The certificate includes a Western European wording and you are covered to drive in those designated countries not exceeding three months in any one trip per car insured without prior notification.

Am I covered to drive other cars?

The provision to drive other cars not belonging to you is included for policyholders aged 25 or over, to cater for those unforeseen emergencies, but be aware cover is restricted to third party cover only.

Download proposal form

Complete your Prestige Motor insurance proposal form

*Subject to Terms and Conditions and exclusions may apply. Cover available to professional occupants, the principle driver must be 25 or over, other drivers are 20 or over. See 'Policy' tab for full policy details.


Prestige Motor Insurance is arranged by Aon UK Limited and underwritten by Aviva Insurance Limited.

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