The Royal Motor Guard is an insurance policy for both private and commercial vehicles. It pays for theft, accidental damage, death, third·party, fire, etc depending on the type of cover selected. Section 68 of the Insurance Act 2003 made this type of insurance compulsory. The types of cover available are:
Third party only
Third party fire and theft
Third Party Only Legal liabilities to third parties for injury to persons (including passengers) and damage to property.
Third Party, Fire & Theft
Legal liabilities to Third Parties for injury to persons or damage to property. Loss of or damage to the insured vehicle by: Fire and Theft
Comprehensive This covers legal liabilities to third parties for injury to persons (including passengers) or damage to property. Loss of / or damage to the insured vehicle by: Accident, Fire and Theft Other benefits include: No Claim Discount Fleet Discount
No Claim Discount (NCD) If you have no claim under the policy during the immediately preceding Period of Insurance, you will be allowed a 15% discount on the renewal premium. Plurality of Fleet Discount If you insure more than one vehicle under the policy, you shall be allowed a discount off premium payable.