Carol Nash is an insurance broker operating since 1985, specializing in providing classic car insurance for vintage vehicles as well as motorcycle insurance.
What is the car insurance coverage offered by Carol Nash?
Carol Nash is renowned for classic car insurance and motorcycle coverage, although it also offers other types of coverage. Classic car insurance includes:
– Agreed value: If you provide Carol Nash with the necessary photographs, you can agree on a value for your classic car. This will be the maximum amount you can claim in the event of the classic car’s loss or complete destruction, or if it is damaged to the extent that the repair costs exceed the agreed value. If you do not provide the necessary documentation, you will have a claims limit set based on the market value of the car.
– Injury to other persons: If you injure a third party while driving your classic car, Carol Nash will cover the costs.
– Damage to another person’s property: If you damage a third party’s property, such as their car, while driving, Carol Nash will cover up to £20 million in costs (plus an additional £5 million for legal expenses).
– Fire damage: You can make a claim if your classic car is damaged in a fire, at either the agreed value or the market value (depending on your insurance policy).
– Theft: You can make a claim if your car is stolen or damaged in an attempted theft, at either the agreed value or the market value (depending on your insurance policy).
– Accidental damage to your car: If your car is damaged in an accident or vandalized, you can make a claim.
– Windscreen cover: You can make a claim for the cost of replacing or repairing window glass and windscreens.
– Personal accident cover: You or your partner can make a claim if you die in an accident, or if you lose sight in one or both eyes, or lose a limb or limbs, up to the limit specified in your individual insurance policy.
– Emergency medical treatment: You can claim reimbursement for any emergency medical treatment covered under traffic law.
– Audio equipment: You will be able to claim for any audio equipment that is lost or damaged, up to the limit specified in your insurance policy schedule.
– Use of the car at weddings: If included in your insurance policy schedule, you will be able to hire your classic car for weddings.
– Shows, rallies, and events: Coverage if you drive or display your classic car at shows, rallies, and other related events.
– Driving abroad: You will be able to drive in the European Union (EU) and some other European countries, with the minimum level of required cover in each country for up to 90 days.
– Legal expenses cover: You will have legal protection for the car up to £100,000, allowing you to recover losses in the event of an accident that is not your fault.
– Club membership discount: You may get a discount of up to 15% on your classic car insurance premium if you are a member of a car club.
– Breakdown cover: Your insurance policy comes with breakdown cover in the UK and Europe, including home start.
– Choice of specialist technician: You will be able to choose a specialist repair technician you trust.
– Rights to salvage: If your car is declared a total loss, you will have the option to purchase the salvage of your classic vehicle.
What other insurance policies are offered by Carol Nash?
In addition to classic car insurance, Carol Nash offers standard third-party, fire, and theft car insurance, as well as comprehensive insurance. If you opt for comprehensive insurance, your policy will include:
–
Basics: Window glass coverage, coverage for audio equipment and navigation system, coverage for keys, and a free car while your car is being repaired.
– Classic: Includes everything from the basics level, plus legal protection for the car up to £100,000.
– Home: Includes everything from the basics and classic levels, plus breakdown coverage.
Optional Extras for Carol Nash Car Insurance
Depending on the coverage and type of insurance you choose, you can add the following optional extras to Carol Nash car insurance:
– Excess Protection: For £36.99 per year, you can reclaim up to £500 of excess fees, even if the accident was your fault.
– Replacement Car Coverage: For £19.99, you can get a replacement car in case your car is stolen or declared a total loss, not just if it’s damaged in an accident.
How to Make a Claim with Carol Nash Car Insurance
If you need to make a car insurance claim through Carol Nash, you should follow these steps:
– Check safety of those involved: First, ensure your safety and that of your passengers and any third party involved in the accident.
– Exchange details: If a third party is involved in the accident, you will need to exchange personal details, along with your insurance policy numbers.
– Gather evidence: You should also record the time, location, and weather conditions, and take photos of any damages.
– Notify Carol Nash as soon as possible: Even if you do not wish to make a claim, you should inform Carol Nash of the accident as soon as possible. You can do this by calling 0333 0055 2244.
– Wait for instructions: Once you explain the situation to Carol Nash, the company will advise you on the next steps, such as taking your car to the specialist repair technician of your choice.
How to Cancel Carol Nash Car Insurance
You will need to contact Carol Nash to cancel your car insurance policy. You may be able to cancel the policy through your online account.
Upon cancellation, you will receive a refund for the remaining time on the premium (as long as you haven’t made a claim), minus the following fees:
– Cancellation period fees
– Within 14 days of your policy start date: £0 (but a setup fee of £25 applies)
– After 14 days, or if Carol Nash needs to cancel your policy: £40
How to Contact Carol Nash Car Insurance
If you need to contact Carol Nash about anything unrelated to claims, you can talk to an agent using the live chat feature. The live chat operates from 9 AM to 6 PM Monday to Friday, and 9 AM to 5 PM on Saturday. However, you will incur charges for any changes made via live chat, so you may prefer to consider making these adjustments through your online account instead.
Customer Reviews of Carol Nash Car Insurance
Carol Nash has an “Excellent” rating on Trustpilot with 4.3 out of 5, based on over 23,000 reviews.
Among the five-star reviews mentioning classic car insurance, Carol Nash has been praised for its efficiency and ease of service, as well as the knowledge of its staff.
However, there are also complaints that the customer service provided by Carol Nash has declined in recent years.
What is Defaqto’s Rating for AA Car Insurance?
Although Carol Nash has not been rated by Defaqto regarding classic car policies, it holds the following ratings for other coverage options:
– Motorcycle Insurance: ★★★★★
– Standard Car Insurance (third party, fire, and theft policies, and comprehensive): ★★★
How Does Carol Nash Compare with Its Competitors?
Provider NameTrustpilot RatingDefaqto RatingCarol Nash4.3 Stars5 Stars for motorcycle insurance, 3 Stars for standard car insuranceDirect Line3.7 Stars5 Stars (3 Stars for third party, fire, and basic)People’s Choice1.4 Stars5 Stars (4 Stars for third party, fire)Hastings Direct4.1 Stars5 Stars (4 Stars for third party, fire, 3 Stars for telematics, 2 Stars for basic)Admiral Insurance4.4 Stars5 Stars (4 Stars for telematics, 3 Stars for basic)Aviva4.0 Stars5 Stars (3 Stars for third party, fire)AXA4.3 Stars4 Stars (5 Stars for extras)LV=4.5 Stars5 Stars (3 Stars for third party, fire)esure3.1 Stars5 Stars (4 Stars for third party, fire)Ageas4.1 Stars5 Stars (3 Stars for basics and telematics)NFU Mutual4.4 Stars5 Stars
Conclusion
If
If you are looking for specialized insurance for your classic car, it is advisable to consider insurance with Carole Nash. You may be able to find a coverage level that suits your passion for your antique vehicle.
The comprehensive classic car insurance policy comes with legal protection for the car and breakdown coverage as a standard option, while you will be able to choose a specialized repair technician you trust.
On Trustpilot, it is rated based on the knowledge of its staff, even if there have been complaints about a decline in customer service quality in recent years. And if you are a member of a car club, you can get a discount of up to 15 percent.
Frequently Asked Questions about Carole Nash Car Insurance
Who owns Carole Nash?
Carole Nash Insurance Consultants Ltd is owned by the Ardonagh Group.
Does Carole Nash insure cars?
Although it may be known for insuring motorcycles, Carole Nash also insures cars (including classic cars) and vans.
Source: https://www.independent.co.uk/advisor/insurance/carole-nash-car-insurance-review
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