Haven Auto Insurance: The Road To Peace Of Mind

Haven Insurance is a specialist home and motor insurer, providing both short-term and annual insurance policies. Established in 2002, Haven was one of the first UK motor insurers in Gibraltar, chosen for its strong financial services industry and easy access to the UK insurance market. Haven offers flexible, specialist cover for a range of insurance products, including private car, taxi, motor trade, and commercial vehicle policies. They pride themselves on staying close to their customers and providing insurance solutions to those who may have difficulty finding what they need in the general insurance market. Haven currently insures more than 97,000 policyholders and has a solvency cover ratio exceeding 150%.

Haven's Private Car product

Haven Insurance is a specialist home and motor insurer, providing flexible, specialist cover for a range of insurance products. The company was established in 2002 and was one of the first UK motor insurers in Gibraltar. Haven currently insures over 97,000 policyholders and is authorised and regulated by the Gibraltar Financial Services Commission.

The Private Car product includes various benefits, such as 24/7 claim reporting, vehicle repair through their managed repair network, and a network of solicitors to help recover uninsured losses in non-fault accidents. Haven also provides replacement hire vehicles, subject to availability, and their claims inspectors act promptly to protect policyholders from excessive costs.

In addition to their Private Car product, Haven also offers taxi policies, motor trade road risk cover, a Motor Fleet product, and a Commercial Vehicle policy. Haven is committed to providing specialist products and solutions to customers, ensuring tailored insurance options for a diverse range of needs.

Taxi policies

Haven Insurance is a specialist home and motor insurance company that was established in 2002. They are based in Gibraltar and were one of the first UK motor insurers to be based there. Haven offers both short-term and annual insurance policies, including specialist cover for taxis.

Haven's taxi policies offer flexible cover for both public and private hire use. They are available on an annual or short-term basis. The company can provide policies for drivers who are having difficulty finding insurance that fits their needs. Haven's taxi insurance is one of their leading products and is aimed at private and public hire taxi drivers. They also offer taxi fleet insurance, commercial and credit hire insurance. Credit hire insurance covers vehicles hired out to customers on credit terms, for instance, if their own vehicle is being repaired.

Haven's taxi policies are fully detailed and available online in PDF and PowerPoint format. They can be downloaded before a policy is taken out, under the Policy Wording section of their website.

Other Products

In addition to taxi insurance, Haven offers:

• Minibus insurance—Cover for minibuses with a maximum of 17 seats, for pleasure or private hire use.
• Motor Trade Road Risk insurance—Cover for a wide range of motor trader requirements.
• Motor Fleet insurance—Cover for various commercial fleet risks, including taxi, credit hire, and courier fleets.
• Commercial Vehicle insurance—Cover for a wide range of commercial vehicle types and uses.
• Private Car insurance—Flexible cover for policyholders who may experience difficulty obtaining cover elsewhere. Options include telematics, impound recovery, and short-term policies.
• Household insurance—Annual cover for occupied and unoccupied properties, as well as landlords' rental properties.
• Excess Reimbursement—Annual excess reimbursement policies for private cars, commercial vehicles, and taxis.
• Guaranteed Taxi Hire—An add-on insurance policy for a replacement hire vehicle.
• Breakdown Cover—National or Europe-wide cover, available as an add-on for private cars, commercial vehicles, or taxis.

Motor Trade road risks

Motor trade road risk insurance is a legal requirement for anyone driving vehicles they do not own for business purposes. This includes those working in car dealership services and vehicle restoration services. It is essential for motor traders who drive vehicles not owned by them, such as those purchased from auctions or other businesses.

Road risk insurance provides peace of mind and financial protection by covering third-party injury or damage caused to property through an accident with your vehicle. It can also protect you from increased premiums following claims. This type of insurance can be tailored to meet individual needs and can include breakdown cover and replacement vehicles if your car is stolen or being repaired.

Haven Insurance offers flexible, specialist cover for a range of insurance products, including motor trade road risks. Their products are designed for customers who may have difficulty obtaining cover elsewhere. Haven's motor trade road risk insurance can accommodate a wide range of motor trader requirements.

Road risk insurance typically covers customer vehicles left in your care, custody, and control, such as a car left for servicing at a garage. It also covers vehicles 'in the trade', such as a car purchased at auction for selling, and some business vehicles. For example, you may be able to insure a commercial van under your motor trade policy if you also work as a builder.

There are three levels of road risk insurance: third-party only, third-party fire and theft, and comprehensive cover. Third-party only covers injury or damage to third-party property or people but does not protect the driven vehicle. Third-party fire and theft adds cover for fire damage or theft. Comprehensive cover provides the highest level of protection and insures the vehicle being driven.

Motor Fleet product

Haven Insurance is a specialist in bespoke insurance, offering both short-term and annual policies. The company has a reputation for developing products outside of the mainstream motor and household markets. Their Motor Fleet product is flexible and targeted at various commercial fleet risks, including taxis, credit hire, and courier fleets.

The Motor Fleet insurance is designed for customers who may have difficulty obtaining cover elsewhere. Haven's experienced and specialised underwriting team can offer this flexibility. The policy wordings and Insurance Product Information Documents (IPIDs) are available to view and download for each product on their website.

The Motor Fleet product is one of many insurance options provided by Haven. They also offer private car, minibus, motor trade road risks, commercial vehicle, household, and taxi insurance, as well as add-ons such as breakdown cover.

Haven Insurance is authorised and regulated by the Gibraltar Financial Services Commission and operates under European legislation. The company was established in 2002 and is based in Gibraltar, with over 97,000 policyholders.

Commercial vehicle policy

Haven's Commercial Vehicle Policy covers a wide range of commercial vehicle types and uses. The company offers a selection of options to customers, including annual and short-term policies. Haven's Commercial Vehicle Plus policy is sold via Acorn Insurance.

Haven is a specialist insurer that provides flexible, specialist cover for a range of insurance requirements. The company's products are specifically designed for these markets, and their experienced and specialised underwriting team can offer cover for risks that many customers may struggle to obtain elsewhere.

Haven's Commercial Vehicle Policy is one of seven categories of policies issued to clients. The company's other policies include Private Car, Taxi, Motor Trade Road Risk, Fleet, Learner Driver, and Household. Haven's Private Car product is aimed at policyholders who may struggle to obtain cover elsewhere, while their Taxi policies offer flexible cover for both public and private hire use. The Motor Trade Road Risks policy accommodates a wide range of motor trader requirements, and the Fleet product is targeted at various commercial fleet risks, including Taxi, Credit Hire, and Courier fleets.

Haven is a privately-owned insurance company established in 2002. The company is based in Gibraltar, chosen for its strong financial services industry, compliance with EU regulatory standards, and easy access to the UK insurance market. Haven currently insures over 97,000 policyholders and has a solvency cover ratio in excess of 150%.

Frequently asked questions