AJ Insurance Notes

Does the cost of your insurance keep going up year after year? Here at AJ Insurance we value and reward experienced, claim free drivers. Call us and we will help you find the way to reduce the cost of your insurance premiums.

As a volume insurance intermediary, we have been able to negotiate discounted rates for all makes and models. Here at AJ Insurance we have brought together a panel of insurers with specialist rates for all vehicle types – from hot hatches to MPV’s to motorcycles to HGV’s.

Here at AJ Insurance we have recognised the need for specialist cover for prestige and performance vehicles. By recognising risk reducing factors we are able to heavily discount what have always been high premium cases. For instance, high value vehicles with a good level of security and secure overnight parking need be no more of a risk than a run of the mill family saloon. Proven experience of a high performance vehicle can also be reflected in reduced insurance costs. We can combine reasonable premiums with quality cover.

We were one of the first intermediaries to spot the trend for importing vehicles from outside the UK. We have in place unbeatable rates for all Japanese, USA and EU imports. Our policies can cover vehicles not yet registered in the UK, where proof of insurance is necessary to arrange registration in the UK with the DVLA. Left hand drive vehicles are no problem for us either. If you’re tired of speaking to call centres who have no idea what your car is - call one of our experienced team and put us to the test – there aren’t many imported vehicles that we haven’t heard of!

Our experience of modified vehicles goes back over 25 years when we set up one of the first schemes for heavily modified 4x4’s. Engine changes – suspension lifts – alloy wheels – spoilers - body kits – big foot conversions – roll cages – performance exhausts – snorkels – winches – you name it – we’ve heard of it! From performance enhancement to the off road enthusiast – our policies are discounted to offer the most competitive rates around.

Here at AJ Insurance we recognise driving experience rather that a piece of paper confirming no claims bonus. Many drivers – for various different reasons – have not earned a no claims bonus in their own right. Perhaps you have been a named driver on someone else’s policy, or driven a company car for some time. For us this is not a problem – if your are accident and claim free, with just minor motoring offences we can get you off to a flying start with up to 60% off the cost of your insurance. Don’t start from scratch - call us for unbeatable prices.

Most insurers will tell you that you can only use your no claims bonus on one vehicle at a time. Not here at AJ Insurance. Our panel of insurers recognise that if you have earned a no claims bonus on one vehicle – it makes sense to give you that same discount on a second vehicle. On top of this, if you arrange more than one policy with us we can discount the second or subsequent policies by a further 15%. With discounts like this we are confident you will find our rates hard to beat.

Your maximum no claims discount has been hard earned and is very valuable to you. You have proved you are a careful, low risk driver - but it’s the other road users who could jeopardise your discount. Had you thought how your discount could be affected if you had to make a claim for theft or vandalism? There are unscrupulous hit and run drivers and uninsured drivers out there. Protect yourself and your no claims bonus. This will allow you to make claims against your policy without seeing your annual premiums increase. Speak to one of our team and be surprised at how little this extra cover will cost.

Facts are facts guys – female drivers have less accidents and make fewer claims. The figures don’t lie! Our panel of insurers reward these kind of statistics with discounted insurance premiums. Speak to one of our team for the best rates around for all lady drivers – from 17 to 75!

Here at AJ Insurance, our panel of insurers have monitored the claims experience of every occupation and have rewarded the lowest risk occupations with very generous discounts. For example, in the building trade we can offer discounted rates for bricklayers, plasterers, plumbers, electricians, roofers, fencers and many more. White collar workers and civil servants also receive occupation discounts. Generous discounts also apply to Police, Fire Brigade and Ambulance Service workers. We have scheme rates for all NHS and local authority employees. We have negotiated occupation related discounts for occupations from every trade and business. Call us and we will match you to one of our panel of insurers who best discount your occupation.

Security conscious policyholders deserve discounted insurance premiums. If your vehicle is parked securely overnight – either off road or in a locked garage – our premiums will be discounted for you. Further discounts are available for fitment of approved alarms and immobilisers. As technology has moved on we have also negotiated very generous discounts for the fitment of Tracker devices. Our clients find that investment in security for their vehicle will save £££’s not just in the first year of insurance, but also for each subsequent year. Speak to one of our team for expert security advice.

Average annual mileage in the UK is in the region of 10,000 miles. Do you feel your annual mileage is lower than this? Then let us try to discount your insurance premium further. Our panel of insurers offer limited mileage discounts at different levels from 8,000 miles per year to as low as 1,500 miles per year. These restrictions are flexible and can be adjusted during the year if you find your mileage is higher or lower than you expected. Call us now to talk this through with one of our experienced team – why pay the same premium as someone who may use their car twice as much as you?

Our policies include cover for use of your vehicle in all EU countries for up to 90 days during any one period of insurance – at no extra cost to you. This can be extended if 90 days is not sufficient for your needs subject to an additional premium. Call us now to discuss the type of policy most suitable for you.

In the event of an accident our comprehensive policies offer you a courtesy car whilst your own vehicle is being repaired by your insurers approved repairer. We concentrate on keeping you on the road while your car is being repaired, and so minimising the inconvenience to you after an accident.

Accidents and claims don’t always happen between the hours of 9 to 5 – so our emergency claims helpline is available to you 24 hours a day. Call this helpline any time of the day or night for help or advice when you most need it.

All of our motor policies include membership of our claims management service. In the event of an accident the team of specialist claims advisors will offer you assistance and guidance to ensure you are fully reimbursed for any uninsured losses you may incur as a result of an accident that is not your fault. These uninsured losses can include:

If someone else is to blame for an accident, our team will ensure your claim is settled satisfactorily for you without delay.

We appreciate that different people need different kinds of vehicles. Here at AJ Insurance we have discounted rates for vehicles of all body types. We can offer policies for pickups, double-cabs, tippers, box vans, flatbeds, articulated vehicles, horseboxes, hi-abs, refrigerated vehicles, agricultural vehicles, plant and machinery, and many more. Whatever your vehicle or your use of it we are confident that we can arrange a policy suitable for your needs.

Here at AJ Insurance we have watched the growth in popularity of this very versatile vehicle, and have tailored our policies to suit the various models and needs of our clients.

For the enthusiast, we have discounted rates reflecting the owner’s genuine passion for their vehicles. A true 4x4 fanatic will cherish their vehicle – minimising any risk of accidents or claims. We recognise that enthusiasts are likely to cover only low mileage in what is perhaps their second vehicle. We have low rates for low mileage, low risk cases.

The other end of the spectrum is the prestige 4x4 such as the ever popular Range Rover and the new contender the BMW X5. Many insurers are scared by the high value and ‘Chelsea tractor’ image promoted by the media. In reality, most 4x4 owners make a considered choice when buying a prestige 4x4 – safety, practicality and security. Our scheme rates for prestige 4x4s reflect this.

If you are the own a high performance sports car or a classic sports car and are paying a large premium with a high policy excess and have other restrictions give us a call and we will search for a more competitive policy for you direct to the underwriters with major insurance companies.

Here at AJ Insurance we have discounted rates available for all vehicles previously registered to the military – either UK or US.

Many insurers avoid Q plated vehicles without bothering to try to understand the reasons behind the Q plate classification. If you have experienced problems in arranging cover for your Q plated vehicle please give us a call. Our experienced team can arrange cover to suit your requirements at very competitive rates.

Here at AJ Insurance we recognise that proven experience of a particular type of vehicle should be rewarded with discounted rates. If you can evidence your experience we will discount your policy by up to 25%.

Your commitment to a relevant owners’ club will also be rewarded. Our panel of insurers value the true enthusiast and their improved level of claims experience. Our policies can be discounted by as much as 15% for club members.

As our lifestyles have changed, the MPV and multi seat vehicle has become increasingly popular. We have negotiated rates discounted by as much as 25% for all MPV type vehicles – including all imports. Speak to one of our experienced team for what we guarantee to be the best deal around for your MPV.

We were one of the first intermediaries to spot the trend for importing vehicles from outside the UK. We have in place unbeatable rates for all Japanese, USA and EU imports. US pickups such as the Ford F150, Dodge Ram, Chevrolet Silverado and Cadillac Escalade are our speciality – call us and be amazed at the rates we can offer.

Our policies can cover vehicles not yet registered in the UK, where proof of insurance is necessary to arrange registration in the UK with the DVLA – simply issuing a covernote for you bearing the chassis number.

Left hand drive vehicles are no problem for us either. If you’re tired of speaking to call centres who have no idea what your car is - call one of our experienced team and put us to the test – there aren’t many imported vehicles that we haven’t heard of!

Our policies are flexible enough to include the use you need to suit your lifestyle. Many of our policies have business use for both yourself and your partner built in to their terms at no extra cost.

We also recognise that many people choose to run commercial type vehicles – such as vans and pickups – purely for their own social, domestic and pleasure use. This is not an issue for us and we can arrange cover for any type of vehicle for whatever use you require.

Do you hold an EU licence issued in a country other than the UK? Your will find that for many insurers this is a stumbling block and will mean they ask you to pay high premiums. Here at AJ Insurance we have negotiated a scheme for drivers with proven experience in any EU country. We recognise your EU licence in the same way as a full UK licence and discount your policy just as we would an experienced UK driver.

We are also able to transfer no claims bonus earned in any EU country. We will even help you to obtain the required written proof from your previous insurer.

Call one of our experienced team and be surprised and pleased at the very competitive premiums we can offer.

We are able to transfer no claims bonus earned in any EU country. We will even help you to obtain the required written proof from your previous insurer.

Our panel of insurers will also accept no claims bonus earned in countries such as USA, Australia, New Zealand, Canada and many African and Asian countries.

Call one of our experienced team and be surprised and pleased at the very competitive premiums we can offer.

Are you experiencing problems insuring a vehicle not yet registered in the UK? It can seem a vicious circle when trying to register an imported vehicle in the UK for the first time – the DVLA won’t register the vehicle without proof of insurance – most insurers won’t insure a vehicle until you have a UK registration number!
Here at AJ Insurance we have the answer! Our panel of insurers will allow us to arrange an annual policy for you where cover is issued on the basis of the chassis number of the vehicle for the first 30 days of your policy.

Call us now to discuss your needs and we will arrange a policy for you at a competitive premium.

We have in place unbeatable rates for all UK, Japanese, USA and EU imported pickups. US pickups such as the Ford F150, Dodge Ram, Chevrolet Silverado and Cadillac Escalade are our speciality – call us and be amazed at the rates we can offer.

Here at AJ Insurance we have a select panel of insurers, all committed to offering quality cover at a reasonable cost.

Our premiums are discounted by underwriters on the evidence of proven claims experience and on the basis of volume business. This enables our insurers to provide a value for money cover, whilst still meeting your individual needs.

Our panel of insurers recognise that your lifestyle must be considered when calculating the premium for your policy. We have policies specifically designed and discounted to suit high and mid net worth policyholders. This will include policyholders who own motor vehicles valued in excess of £50,000 or property valued in excess of £250,000.

We can even offer a combined policy for both your motor vehicles and your household buildings and contents.

If you own a higher value home or vehicle, our policy will give you the level of cover, and peace of mind, that you need.

New car replacement cover gives you the peace of mind that if you have purchased a car from new (as the first registered owner) and it is written off in the first 12 months, you will be provided with another new car. Our policies can include this cover at no extra cost.

When buying a new car on finance, there is always the concern that in the event of your car being written off, you could lose thousands if your insurers' payout does not match the original purchase price. Our competetively priced GAP Insurance gives you the peace of mind that if your new vehicle is written off - you will receive aa payout that bridges the gap between the purchase price and your own insurers’ payout . GAP cover gives added protection to your standard motor insurance.

Here at AJ Insurance we have a select panel of insurers, all committed to offering quality cover at a reasonable cost.

Our household policies offer new for old cover on the contents and buildings of your home. This ensures that in the event of a claim your property is replaced as new.

Our household policies are also discounted to recognise claim free policyholders. If you can prove you have not made previous claims we can discount your household policy by up to 30%.

As our lifestyles change, more and more people are choosing to work from home. If you need cover for your business equipment – including computer and telecommunications equipment – we can include this within your personal household policy.

Call us to discuss your needs and we will tailor a policy to suit your personal and business requirements.

Do you own a property which you rent to tenants? We can arrange policies for both the buildings and your contents of the property at very competitive rates. We have no restrictions on the type of tenants or the rental term. Call us for cover for property rented to private individuals, couples or families, students, DSS tenants, asylum seekers – all tenants considered.

Do you own a second property – perhaps a weekend or a holiday home? We have specially designed policies for people who own multiple properties. Call us for reduced premiums for all your household insurance needs.

Many insurers shy away from covering vacant properties. Not us! We can offer competitive rates for all types of property – vacant or occupied. Call us now for a flexible competitively priced policy.

We reward your commitment to security with very generous discounts of up to 20%. Alarms and improved locks will all earn you discounted rates, as will membership of your local neighbourhood watch scheme.

In these days of increased litigation, our family legal protection plan is there to protect you and your family against the costs and inconvenience you may experience if disputes arise. If you are involved in a dispute relating to your home, employment, personal injury or consumer rights, this specialised cover will provide the help, support and expertise you will need – including up to £25,000 of legal costs per claim.

As a disabled person, whether you are a driver or a passenger in a specially adapted vehicle, we at AJ Insurance Service can help you to obtain reasonably priced insurance.Here at AJ Insurance Service we have recognised the problems encountered by many disabled drivers and their carers in obtaining a suitable,competitively priced policy. We understand that many disabled people own their own vehicle but need a policy not for themselves to drive but for their carers. We have negotiated discounted rates from insurers who understand the needs of a disabled person. All the evidence points to disabled drivers and their carers offering a significantly lower risk of claims – so contact us to get the discounted rates we have available.

Specialist coachbuilders can now offer many modifications designed to make travelling by car easier for disabled drivers and passengers. Our policies can cater for vehicles modified to include wheelchair lifts, wheelchair restraints, foldout side steps, floor tracking and adapted driving controls. Any modification that benefits a disabled driver or passenger is acceptable.

(49 ) Disabled Drivers Motoring associations such as "Mobilise" or recommendations from the Queen Elizabeth Trust

We guarantee a discounted rate to members of many disabled organisations. We are recommended on a regular basis by many of the leading charities and organisations. Just let us know how you were recommended to us to qualify for a further discount.

Many drivers who have driven through the Motability scheme are choosing to make independent arrangements. This gives you a much wider choice of vehicle and more control over the way it is financed. Here at AJ Insurance we can transfer claim free driving experience under the Motability scheme to a no claims bonus – for any driver who has been named as a driver of a Motability vehicle. This helps many drivers caught in the trap of losing out on their no claims bonus when named as a driver on a Motability vehicle.

We have a long history of specialising in discounted insurance for all Landrover, Range Rover and 4x4’s. Our policies are discounted for experienced drivers with a proven history of driving 4x4’s.

As your car gets older, we recognise that the value reduces – and so should the cost of your motor insurance. You will see the cost of your policy reduce every year as your vehicle gets another year older. These inflation busting discounts ensure we continue to offer unbeatable premiums year after year.

Feel sure that you will receive a realistic replacement value for your classic car if you need to make a claim, by opting for our agreed value policies. Older vehicles which are maintained in good condition need more than the standard market value replacement cover you will get from most policies. Trust our policy to give you the specialist cover you need.

Our policy can be extended to include wedding hire cover - whether you need this cover as a permanent extension to your policy, or just for specific dates during the year. This offers classic car owners the opportunity to generate an income from their hobby to support the upkeep of their vehicle.

If you own a vehicle which you do not intend to use on the road, but would like the peace of mind that it is covered for fire, theft and accidental damage, we have a laid up policy to suit your needs. Your cherished car can be one of your most valuable assets – don’t leave it uninsured.

Our policy is a complete package, which can be extended to cover your cherished number plate up to a maximum value of £10,000.

We have designed a policy to meet the needs of those whose lifestyles demand more than the range of covers standard household policies currently have to offer – reflecting the needs and circumstances of the individual, creating a flexible policy that can be tailored to your requirements and lifestyle.

Our policies can combine your household buildings and contents needs with your family’s motor insurance needs. Quality cover with the flexibility you need.

Automatic cover for loss or damage of your personal possessions anywhere in the world.

No need for a separate travel insurance policy. Yourself, your partner and all children living at home will benefit from comprehensive annual travel cover for all countries including winter sports cover.

We include an enhanced cover of up to £5,000 for theft of money from your home.

Peace of mind that if you become a victim of this modern day fraud, your policy will give you the legal assistance you need.

Before cover is effected, valuations will be agreed for all high value personal possessions. This ensures a smooth, no quibble settlement in the event of a loss.

Individual advice and ongoing support from your appointed client manager to ensure that the correct levels of cover are in place for you. Risk management and security advice to safeguard your home and family.

Include cover for all your leisure time activities under one policy and benefit from more competitive premiums and a more comprehensive cover.

Our comprehensive legal expenses cover will provide a fund of up to £50,000 to pay for professional fees charged by a lawyer – you can even use your own solicitor if you choose.

We will help in the event of home emergencies including plumbing and heating, failure of gas or electricity supply, boiler failure, loss of keys, infestation by vermin, broken or damaged doors and windows.
Cover also extends to costs in the event of personal injury, contract disputes, property protection, employment disputes, Inland Revenue disputes, legal defence and motor prosecution.

Rest assured that in the event of a claim you will receive the help of a dedicated claims team, set up to deal specifically with high net worth policies. They will ensure priority access to a network of highly skilled tradesmen to minimise any domestic emergency. Replacement of lost or stolen personal items can be arranged through any provider you choose.