Some car manufacturers in common with other industries now provide insurance products as an added value service to customers buying new or used cars. Examples of manufacturers selling such tailored products include Renault, Vauxhall, BMW, Mini and Nissan.

Who provides the insurance?

Due to the regulation of car insurance by the Financial Services Authority, industries such as car manufacturing will normally find a suitable partner to provide the insurance product. The partner concerned is regulated by the FSA and usually provides a tailored product according to the car manufacturer’s requirements administers and handles any claims.

So what makes a car manufactures insurance product different?

In order to differentiate the product, some car manufacturers insist on additional features and benefits such as free breakdown recovery, car key loss cover, guaranteed repairs when using an approved centre, enhanced death and injury benefits and dedicated 24 hour assistance help-lines. One such 4x4 car manufacturer even offers the option to insure the vehicle off road.

It used to be the case that you had to buy a vehicle from a dealership in order to buy car manufactures insurance. Whilst this is still true of some  producers, others are happy to insure used vehicles. If you own a particular make of vehicle and are considering your manufactures car insurance product, there are several ways to obtain a quote. Some producers offer an online quote service in addition to the telephone or car dealership insurance proposal forms.