What is Motor Liability Insurance?

Motor liability insurance is mandatory for all vehicles used on public roads. It protects you and others by covering:

• Bodily injuries sustained by third parties
• Property damage caused to innocent parties

It does not cover your own vehicle. For full protection, consider comprehensive motor insurance, which covers theft, vandalism, or damage while parked.

Motor liability insurance is your legal safeguard. Driving without it can result in fines, penalties, or legal consequences. With LiabilityMotorInsurance, you can quickly check your rates and purchase the coverage you need online.

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High Initial Bonus – Up to 40%

New drivers or those without prior insurance history can benefit from an initial bonus of up to 40%. This bonus reduces your premium immediately, making your first insurance purchase affordable and rewarding.

Your initial bonus depends on your claims history and vehicle type. Cars, motorcycles, and trucks all qualify for this initial reward when you buy statutory motor liability insurance with LiabilityMotorInsurance.

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Quick Bonus Development – Maximum 80%

Your bonus grows rapidly as you drive safely. The development of your bonus is structured to reward consistent, accident-free driving:

• 1st insurance period: 40% bonus
• 2nd insurance period: 53% bonus
• 3rd insurance period: 70% bonus
• 4th insurance period: 76% bonus
• 5th insurance period: 80% maximum bonus

This system encourages safe driving while providing substantial savings over time. Experienced drivers can reach the maximum bonus quickly, reducing their insurance premiums significantly.

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Bonus Cover – Protect Your No-Claims Bonus

LiabilityMotorInsurance offers bonus cover for drivers who reach the maximum bonus of 80%. After driving two years at the maximum bonus without claims, your bonus is protected.

Even if a single accident occurs, your bonus will not decrease, ensuring your premiums remain low despite minor incidents. This feature rewards responsible driving and reduces financial risk in case of unexpected accidents.

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Same Bonus for All Vehicles

Your no-claims bonus is transferable across all vehicles you insure. This means that if you own multiple cars or motorcycles, your bonus applies to every insured vehicle.

Important: Each vehicle’s claims history remains separate. An accident with one car or motorcycle affects only that vehicle’s future bonus, while your bonus for other vehicles stays intact.

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How to Buy Motor Liability Insurance

Buying insurance with LiabilityMotorInsurance is simple:

1. Select your vehicle: car, motorcycle, truck, or other types
2. Check the price online using our intuitive calculator
3. Purchase instantly and receive confirmation

Your premium is calculated based on driver’s age, vehicle type, claims history, and bonus level. Optional comprehensive coverage can be added for additional protection.

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Comprehensive Insurance – Optional Extra Protection

Motor liability insurance does not cover:

• Theft or vandalism
• Damage while parked
• Animal collisions or natural hazards

Comprehensive insurance covers these risks and ensures complete protection for your vehicle. Combining both policies maximizes your security and provides peace of mind while driving.

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Bonus Determination and Growth

Your motor liability insurance bonus is calculated based on your driving and claims history:

• New drivers: start with 40%
• Experienced drivers: up to 80% maximum bonus

Consistent safe driving increases your bonus, while accidents reduce it for the next insurance period. With bonus cover, even an accident doesn’t lower your maximum bonus.

Example:

• Accident-free driving for 3 years: 70% bonus
• Accident-free driving for 5 years: 80% maximum bonus

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Pricing Factors

The cost of motor liability insurance depends on multiple factors:

• Driver’s age and experience
• Vehicle make, model, and type
• Claims and driving history
• Bonus level achieved

Using LiabilityMotorInsurance’s online calculator, you can get a personalized quote in minutes. Prices are transparent, and all policies comply with statutory insurance requirements.

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Motor Liability Insurance Abroad

Planning to drive outside your home country?

• Green Card: Certifies valid insurance abroad
• EU/EEA driving: Vehicles with local plates are usually exempt

LiabilityMotorInsurance helps you order a Green Card online, ensuring legal coverage wherever you drive.

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Multi-Vehicle Households

If you own multiple vehicles, your bonus applies to all insured cars and motorcycles.

Losses on one vehicle do not affect the bonus for other vehicles. Each vehicle’s claims history is tracked individually, while your bonus benefits remain transferable across all insured vehicles.

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Frequently Asked Questions (FAQs)

Q1: How is the motor liability bonus determined?
It’s based on your driving and claims history. New drivers start with 40%, experienced drivers can reach 80%.

Q2: Can multiple vehicles share the same bonus?
Yes, your bonus applies across all insured cars and motorcycles in your household.

Q3: When should I buy motor liability insurance?
Before driving on public roads or to comply with statutory requirements.

Q4: How is the price calculated?
Price depends on your vehicle type, driving profile, claims history, and bonus level.

Q5: Are mopeds eligible for starting bonus?
Yes, mopeds also qualify for starting bonus of 40% and maximum 80%.

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Why Choose LiabilityMotorInsurance?

• Instant online quotes
• High initial bonus up to 40%
• Quick bonus growth to 80%
• Bonus cover protects against accidents
• Coverage for all vehicles

Our platform makes it easy to compare, calculate, and buy insurance online. Maximize your savings and protect your vehicles with LiabilityMotorInsurance.