N.I.C Offers a wide range of Insurance Cover: Vehicle, Equipment, mobile plant or Motorcycle

Motor services

N.I.C. offers motorists a full range of insurance cover for their vehicle, whether it is a motorcycle, private car, commercial vehicle or specialized piece of mobile plant equipment such as a a crane or bulldozer.

The best cover afforded to private cars is our Comprehensive Policy whilst at the bottom end is our Third Party Policy which is the minimum required by law. Copies of our Motor Policies together with downloadable Proposal and Claim Forms (in the unfortunate event of you being involved in an accident) can be accessed directly from this website.

When filling out the Policy Proposal Form please see our guidance notes under Categories of Vehicles

Comprehensive cover

This provides the maximum coverage possible. It could be likened to the All Risk Cover in respect of household or industrial properties. It is however subject to a number of exclusions which tends to make the “Comprehensive” title a misnomer.

Amongst other areas of coverage, the policy affords an indemnity in respect of theft, damage to own vehicle and third party liability for both bodily injury and property damage. low.

Third Party, Fire & Theft

A Third Party, Fire and Theft Motor Policy is the second level of motor insurance below Comprehensive. As stated in its title the policy provides cover against fire and theft in addition to Third Party liabilities. It should be noted that with this type of policy, damage to your own vehicle is excluded.

Categories of vehicles

Private Cars – All private passenger cars whether owned, leased, used in connection with a company operation or by officials of a company

Commercial Vehicle (Goods Only) – All goods carrying vehicles whether owned / leased, used in connection with a company’s operations

Commercial Vehicle Staff Bus – All passenger carrying vehicles other than private cars

Commercial Vehicle (Special Type) – Mobile cranes, fork lifts and similar vehicles

Motorcycles

Details Required for Quotation

Details of vehicle under each of the above categories showing the make and model

Registration number or chassis and engine numbers and year of manufacture

Type of cover required for each vehicle

This class of insurance is tariff rated. The premium is determined based on the value and use of the vehicle as far as comprehensive cover and third party fire and theft covers are concerned.