This is your main insurance document, which provides you with the proof you require by law.

A formal application by the insured party to recover losses from the insurance company who underwrite a policy

A legally enforceable agreement made between two parties.

A clause that alters the standard cover provided by the policy.

The FCA regulate Financial Services organisations, including Insurance Brokers.

This is an optional, additional Insurance Policy available. Our most common policy is known as RTIA (Return to Invoice Advanced) which covers the difference between the amount paid by an insurer, following a total loss claim, and the original invoice value of a vehicle. For example, if you purchase a car at £14,000, and within 3 years your car is d [..]

An Indemnity Payment ensures that the Policy Holder is put in the same financial position as they were before an incident occurred.

A Government Tax which is imposed on General Insurance Premiums, including Car Insurance. This is already included in the price you receive from Hughes Insurance.

An agent through whom an Insurance Contract is arranged with another party.

This is the cost of replacing a car with one of similar make, model and condition at the time of loss or damage.