Private Car Insurance

Private Car

KGM provides versatile private motor insurance policies. Quotations are tailored to your client’s specific level of risk, achieving the coverage they need and accurate premiums.

Who we work with 

  • Experienced drivers with a proven insurance history
  • Business / company cars

    What the Private Car policy covers

    • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning, or explosion, and theft or attempted theft
    • Third-party property damage and liability up to £20m
    • Legal costs and damages as a result of an accident
    • Personal belongings up to £300
    • Replacement locks and keys up to £750 for a single incident
    • Audio equipment up to 10% of the vehicle’s market value up to £500
    • Satellite navigation equipment up to £500
    • Replacement of a lost or damaged child seat up to £100
    • Medical expenses up to £200 for each person injured in the vehicle
    • Foreign use in EU countries


    • Foreign use in non-EU countries
    • Extended foreign use cover for social, domestic, and pleasure purposes up to 120 days (see policy document for further details)

    Additional benefits of the Private Car policy

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    New vehicle replacement

    When repairs exceed 60% of the market value, we will replace the vehicle with a model of the same specification.

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    Unlimited glass cover

    Unlimited glass and windscreen cover through our approved replacement service.

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    Guaranteed repairs

    Comprehensive policyholders are guaranteed repairs for three years.

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    Courtesy vehicle

    Policyholders receive a courtesy vehicle when using our approved repairer, subject to availability.

    Benefits of the KGM service

    Direct access to underwriters

    At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

    Operational efficiency

    With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

    Customisable products

    All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

    Versatile specialist motor insurance experts

    With over 60 years of specialist motor insurance behind us, KGM writes policies for private motors, commercial vehicles, and agricultural machinery.

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    A+ rated specialist motor insurance

    We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

    We're here to help

    If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301811 . For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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