The Motor Insurance Market Place
Market Structure
Differences in private and commercial motor insurance transactions
Regulatory and market organisations
Market data
Appendix 1: Manual Business Information Sheet
Legal Considerations
Legislative developments in motor insurance since 1930
EU directives
Road Traffic Act 1988, as amended by the Road Traffic Act 1991
Related legislation
Use of vehicles for company business
Use of vehicles outside the UK
Appendix 1: Road Traffic Act learning aid
Scope of Cover Provided: The Basic Motor Policy
Types of cover
Policy structure and loss or damage section
Other parts of the private car loss or damage section
Private motor - liability to others
General conditions
General exceptions
Private motor foreign use
Private motor additional benefits
Uninsured loss recovery legal expenses policy
Appendix 1: Motor Proposal Form
Scope of cover provided: non-private car policy cover variations
Loss or damage: commercial vehicle, small van and motorcycle
Liability to others: commercial vehicle, small van and motorcycle
Policy wording other clauses
Appendix 1: 'Excelerator' Policy
Risk Assessment, rating and Underwriting
General principles of rating and underwriting
Rating and underwriting for commercial motor insurances
Fleet risks
Motor trade risks: motor trade fleets
Vehicles of special construction
Self-drive hire vehicles
Buses and coaches
Non-standard risks
Risk management
Declined Cases Agreement
No claims discount
Other Policy Documentation and Renewal or Cover
Certificate of Insurance
Temporary cover note
Policy schedule
Renewal of cover
Renewal system
Private car renewal system
Commercial motor and fleet renewal procedure
Renewal and the Financial Services Authority
Claims Procedures
Principles of claims handling applied to motor insurance
Police involvement
Market agreements
Motor engineers and recommended repairers
Claims procedure
Fraud prevention
Dispute resolution
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