The Broker Advantage

We recognise that customers shop around a lot more nowadays which can be really time consuming and frustrating, entering the same information over and over to compare and contrast your options. That is where dealing with a broker comes in.

As a broker, we work with some of the largest insurance companies across the UK and Europe and we are constantly expanding our panel of insurance partners, negotiating the best possible prices and cover for our customers.

 

Choose Your Cover

Every car owner is different so we can help customise your policy to meet your specific needs:

Fully Comp

Fully Comprehensive

This type of car insurance covers damage to your vehicle and any injury or damage caused to third party vehicles in the event of an accident.

Third Party Fire And Theft

Third Party Fire & Theft

This car insurance policy only covers your vehicle for loss or damage due to fire or theft, as well as any injury or damages to third parties.

Third Party

Third Party Only

This car insurance policy only provides cover for third party injury or damage or their vehicles.

Why Autoline?

Personalised Service

Personalised Service

Whether you are a new customer to Autoline or you are renewing your car insurance with us, our expert advisors personally search our insurance panel to find the best deal that meets your individual needs, making sure you have the right cover in place at a price that works for you.

You don’t need to be an insurance expert either, we will keep you right when it comes to the details of your policy, explaining all the insurance jargon and what additional benefits might be suitable to boost your cover such as GAP insurance, if you have a new car or our Excess Protection cover if you have a high excess.

Claims Support

Claims Support

If the worst happens and you need to make a claim, it is always good to know that with Autoline you will be dealing with local people right here in Northern Ireland rather than an outsourced team somewhere else. It can be a pretty scary time and complex too, but our local claims team will be at your side to help and guide you every step of the way.

Need to make a claim?

Boost your cover

Legal

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Breakdown

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Keycare Cover

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Replacement Car

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Excess Protection

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GAP Insurance

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No Claims Discount Protection

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Legal

Motor Legal Protection  £18

Legal protection is something that most people only think about once they’ve had an accident and the cost of legal fees to recover your losses can run into thousands of pounds if you’re unprotected.

Benefits* include:

•Up to £100,000 legal cover for the recovery of uninsured losses such as recovery of your policy excess and pursuing compensation for any injury sustained.

• £25,000 cover for defence of motoring prosecutions.

• 24/7 legal helpline for advice on any legal matter, not just in relation to an accident.

• Payment of hire charges incurred by the insured person resulting from an incident involving an insured vehicle, provided criteria are met.

*Exclusions and Terms and Conditions apply.

 

 

Breakdown

Breakdown Assistance  £30

This comes in handy if your vehicle breaks down or suffers a puncture. This cover will mean that our Breakdown partner can carry out repairs on the spot. 

What is included?

• Roadside assistance for mechanical failure, puncture & lost or stolen keys.

• 24 hours a day, 365 days a year emergency helpline.

• Up to one hours labour at the roadside if the vehicle can be repaired in situ.

• If your car can’t be repaired at the roadside, you’ll be towed to the nearest garage*.

• Use of a replacement car for up to 48 hours while repairs are carried out.

• Use of a replacement car for up to 5 days if your car is stolen.

• Overnight accommodation for one night*.

• Our car breakdown cover covers your car in Northern Ireland, mainland UK and Republic of Ireland.

• Your No Claims Bonus will NOT be affected if you make a claim on your Breakdown Assistance policy.

*Mileage restrictions and T&C's apply. 

Keycare Cover

Many car insurance policies already cover an element of Keycare such as replacing keys broken in your lock but what about when you lose your keys?

This enhanced level of Keycare means you can avoid the stress and frustration of replacing lost keys and all the hassle that goes with it.

Key Features and Benefits:

• Up to £1,500 annual cover for lost and stolen keys, replacement locks and any call out charges.

• Cover for locksmith charges if keys are locked in your car or home with a cover limit of £1,500.

• Should a key break in a lock, Keycare will pay up to £100 towards locksmiths’ costs.

• Keycare will pay up to £100 for onward transport costs to get you to your home or chosen destination in the event the loss or theft of your keys.

• If your vehicle is left unusable due to the loss or theft of keys, Keycare will pay up to £50 a day for three days vehicle hire.• Emergency helpline 24 hour, 365 days a year.

• No excess to pay.• Your No Claims Discount will NOT be affected.• Keycare will pay the finder of keys a £10 reward.

• We have access to a nationwide network of locksmiths.

• Covers ALL the keys attached to the special fob (for example, car keys, house keys, office or caravan).

• No limit on the number of claims you can make.

*Exclusions and Terms and Conditions apply.

Replacement Car

Replacement Car £10

We will keep you moving with a replacement car in the event of an “at fault” accident, a fire or a theft in which the vehicle has not been recovered. For just £10, you can buy a Replacement Car Policy which will get you back on the road and save you having to pay expensive car hire charges by providing you with a courtesy car for up to 14 days.

Your replacement car will generally be available within 48 hours and it’s important to note that if you use your car outside Northern Ireland (for example, in the Republic of Ireland), consent needs to be granted by the hire company subject to cover being available under your car insurance policy. The car provided will be up to 1100cc and a manual gearshift.

What is not covered? *

•The 14-day replacement car policy will not cover you if you are involved in an accident which is not your fault.

•If the driving licence held only permits you to drive an automatic car or if you require a car with any modifications.

•Any additional costs except those expressly authorised by Abbey Insurance Brokers Ltd.

•Cover under this policy will commence after the expiry of any cover provided under your private car insurance policy arranged through AbbeyAutoline insurance.

•In the case of theft, where no crime reference number has been supplied.

•The cost of fuel and/or liquids for the hire vehicle.

*Exclusions and Terms and Conditions apply.

Excess Protection

An excess is a great way of reducing the cost of your insurance premium, however, claims often happen at the most inappropriate times when we don’t always have the funds in our account to cover the excess.

An Excess Protect policy will reimburse the excess you may have paid provided the claim is more than the total policy excess at the time of the incident and is reported within a 31 day period to the insurer.This is a really clever addition to your insurance and we’re one of the few brokers who offer it in Northern Ireland.

For example, say you have an excess of £500 on your policy – if you have an accident and it costs more than this to fix, then you can claim back that £500, so you aren’t out of pocket.

What is included*?

•Only one claim can be made per policy, another policy can be purchased at any time.

• Amount of claim under the Excess Protect policy must not exceed the value of the total excess of the main policy.

• Claims must be reported within 14 days of the settlement of the claim to which the policy relates

• Windscreen excesses are excluded for all motor policies.

*Exclusions and Terms and Conditions apply. It’s important to note that if the claim is your fault, you cannot reclaim your excess.

GAP Insurance

If you’re buying your car on finance or through a lease agreement, you’ll be particularly interested in our GAP insurance cover.

It’s a well-known fact, that most cars lose their value the minute they leave a car dealership but if the unexpected happens like your car is badly damaged or stolen, you will only receive the current market value at that time leaving you significantly out of pocket. GAP however means that you will be paid the difference.

For example:

You bought a car a year ago, but you are involved in an accident and your car is written off. Your car insurance provider offers you the current market value of £10,000 but you bought your car at £15,000 – leaving you £5,000 out of pocket. GAP takes care of the £5,000 so if you are on a finance agreement, you are still able to pay it off. 

No Claims Discount Protection

Firstly, what is a ‘No Claims Discount’?

For every year you do not make a claim, you will get a discount on your renewal quote -  as a type of reward. It indicates to insurers that you are a ‘safer’ driver than someone who has made a claim. 

The BIBA (British Insurance Brokers' Association) state that after building up a no claims bonus for a number of years, drivers can receive a maximum discount of up to 65% off their yearly premium.

Why protect your “No Claims Bonus”

If you have an accident and the fault lies with you, then it’s likely you will lose some of your No Claims Discount points or all of them. This can be frustrating, especially if you have had your NCB for years. But by opting to buy No Claims Discount Protection you are essentially safeguarding your discount, for a small fee.

Helpful Tips

1. What do I need to get a car insurance quote?

2. Things to tell us If your circumstances change

3. Does my choice of car affect the cost of my policy?

1. What do I need to get a car insurance quote?

When you get in touch for a car insurance quote, it is useful to have a few things to hand to help you get through the quote process as quickly as possible such as:

  • Your car details – Car registration, make, model and manufacturer, as well as its current market value and annual mileage.
  • Your personal details – Address where the vehicle will be kept, driving licence information, and any prior claims information.
  • Policy details - When you want your policy to start.
  • No Claims Discount – How many years you have with NCD.

2. Things to tell us If your circumstances change

Insurance providers provide customers with policies and premiums based on certain criteria such as postcode. If there are changes to some of this criteria, then it is really important to inform us right away as neglecting to inform your insurer could lead to problems if you need to make a claim and it could potentially invalidate your insurance altogether.

This is called a Mid-Term Adjustment and whilst some changes may have no effect, others may affect your premium. It is important to tell us asap when you:

  • Move to a new house
  • Change your name
  • Need to add an additional driver
  • Your work address changes, or you switch occupation
  • Change where you park at night
  • Your annual mileage changes
  • Modify your vehicle
  • Receive a conviction

Sometimes it will mean that you need to be moved to another insurance provider but as your broker, we can assess the market and find a suitable alternative rather than being locked into a policy unfit for your needs.

3. Does my choice of car affect the cost of my policy?

Yes, the car you choose to drive will have an impact on your insurance premium. There is a number of factors that insurers will take into account including:

  • Year, Make and Model of the car
  • Engine Size
  • Car Group
  • Safety Rating
  • Cost of repair and availability of parts
  • Modification History

Learn more

Need to speak with us? 03452 303030