PRIVATE CAR
🚗 Private Car Insurance
For private cars, we advise individuals and
families on coverage structure, renewal strategy, and claims support, with
access to multiple insurers and broker-led negotiation
Imagine the following:
Family Vehicle with Young Driver Exposure
A family vehicle primarily driven by parents, but occasionally used by a newly licensed driver.
Instead of defaulting to an open-driver structure (which may materially increase premium), we assess named-driver structuring, excess adjustment, and long-term NCD implications to balance affordability with proper disclosure.
Claims-Affected Renewal with Loading
A driver with two recent accidents facing significant renewal loading. We review claims chronology, supporting documentation, and overall risk presentation before engaging insurers early.
In appropriate cases, structured renewal discussion may help stabilise terms rather than accepting automatic increases.
A family vehicle primarily driven by parents, but occasionally used by a newly licensed driver.
Instead of defaulting to an open-driver structure (which may materially increase premium), we assess named-driver structuring, excess adjustment, and long-term NCD implications to balance affordability with proper disclosure.
A driver with two recent accidents facing significant renewal loading. We review claims chronology, supporting documentation, and overall risk presentation before engaging insurers early.
In appropriate cases, structured renewal discussion may help stabilise terms rather than accepting automatic increases.
Coverage options:
- Comprehensive
- Third Party, Fire & Theft (TPFT)
- Third Party Only (TPO)
We also guide clients on common decision points that materially affect renewals, such as:
- Named vs open driver arrangements (where applicable)
- Excess levels and how they affect premiums and claims behaviour
- Repair conditions and workshop requirements (policy-dependent)
Claims & renewal advisory
Motor insurance performance is shaped by claims frequency and how claims are handled over time. We support clients with:
- Early renewal review (ideally 6–8 weeks before expiry)
- Insurer comparison and negotiation based on risk presentation
- Claims guidance and documentation support
- Assistance with appeal strategy where a case is supportable
What we typically need to quote / review
To advise properly, we usually request:
- vehicle details (log card) and current policy (if any)
- driver(s) details and driving licence dates
- NCD position and claims history
- intended usage and parking arrangements (basic)
Speak to a Motor Specialist
If you would like a structured review or renewal strategy discussion, contact TIB and we will respond with the next steps.
Taking Care Of All Your Risk Management Needs.
Started in the 1960s as an insurance agency, Tan Insurance Brokers is led by a team of extremely experienced and qualified risk managers and advisors and has partnered numerous local and global enterprises for over 5 decades.
At TIB, you always come first. We’ve built our reputation on decades of putting customers first and our experts are always on hand to deliver personalised service and support.
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