Seico Insurance Consultants

Why should I use Seico Insurance for my motor insurance?
We are able to offer quotations with all major insurance companies, plus the various insurers at Lloyds. Once we have the information from you a quotation can take just seconds to complete. We will ensure that we provide you with the cover you require, whilst bearing in mind that cost is a very important factor. We do feel it is important to ensure that you are aware of the covers available on the market, therefore whilst quoting you the lowest premium possible, we will also advise you of additional covers that are available, for instance Legal Protection, Roadside Assistance, Foreign Travel. Often these additional covers can be included free of charge. The choice is naturally yours as to the cover accepted, however we feel you deserve to know all the choices available. Instant cover is available and we can offer monthly payment plans if required.

What cover can you offer me?
Standard Motor Insurance Terminology
Comprehensive Third Party Fire & Theft Third Party only
We can offer cover for any vehicle, any person with any driving record. If it is insurable we can find the market. We do realise that everybody is an individual and, with this in mind, we can assist in the in the following areas:

If you are unsure about which cover to select or do not understand the differences between the three covers then please contact us and we will advise you. We are more than happy to offer this advice free of charge by email or phone.

Insurance Company Motor Claim Phone Numbers
The majority of insurers do not require claim forms and would rather you reported the incident by phone. This saves time and results in claims being handled more efficiently. Above is a list of some of the major claims help lines.

Vehicles
Private car insurance
Van insurance
Taxi Insurance
Motor cycle insurance
Fleet Insurance (visit our business section)

View Registration Year Numbers
View Motor Convictions List

What happens at renewal of my policy?
It is our aim to ensure we retain your business year after year. We do not wish to see you insure with us for one year and then move to another company the next. This is why we have a dedicated renewals department who's job is to make sure we offer you the best policy at the best price at every renewal. We will carry out the same thorough check at each and every renewal, to ensure that your covers and premiums remain competitive every year. This is why we stand out above our competitors, who often simply invite renewal without completing a full re-broking exercise.

No Claims Bonus
When you insure a vehicle in your own name you are rewarded for each year that you are claim fee. The bonus usually starts after a full years cover and begins at 30%. In year two it increases to 40%, then 50%, then 60%, then 65% by year five, which is generally regarded as the maximum discount allowable. In the event of a claim your bonus is reduced. One way of stopping your bonus reducing is to protect it, which is usually available once you have attained the maximum allowance. At Seico we understand how hard it can be to build up a no claims bonus and therefore we always remind you at renewal when you can protect your bonus. Over the last few years we have seen many changes in the way No Claims Bonus is given, certainly a culture of ‘no blame’, rather than ‘no claim’ seems to be emerging. This is a very positive step in the industry as people should not be penalized if the blame is not theirs. We are constantly keeping our eyes on this situation and wherever possible No Claims Bonus is being secured when the incident is not the fault of the policyholder.

Drivers
Clean driving history
Minor and Major Convictions (view convictions list)
Young Drivers
Mature drivers
Specialist schemes for Lady only drivers

Clients with an adverse claims history
We appreciate that there are cases where people are unfortunate enough to suffer a number of genuine losses. Many insurers will take the easy option and refuse to offer cover or renewal. Given the full case history, we can often obtain quotations, where others fail. If you need to make a claim, we will ensure that this is settled as quickly and fairly as possible, by liaison with Insurers and Loss Adjusters. A loan car can be provided in most circumstances by your insurer or though our legal protection cover and in at times when it is a non-fault accident it may be possible to even avoid having to pay your policy excess up front. We have developed our 'express claims service' to ensure that in the event of an accident you do not have to also suffer undue stress and worry. In the event of a vehicle 'write off', we will liase with engineers and assessors to obtain the best and fairest offer possible and to recover your excess and other uninsured losses.

If you would like us to offer you a quotation, or carry out a review of your covers, please complete the online form.

© Seico Insurance Consultants 2005
info@seico-insurance.com