Car insurance broker
David J Miller Insurance Brokers arrange car insurance for private car owners and drivers across the UK.
As an independent car insurance broker, we provide a traditional personal broker service in place of the online comparison site process. We take the time to understand the vehicle, drivers, how it is used, claims history, and cover requirements before approaching suitable insurers.
Our role is to help you compare car insurance options, understand the policy terms and arrange cover that reflects how the vehicle is used. If you need to make a claim, we also provide practical support and guidance throughout the process.
Car insurance cover options
Cover can be tailored to your needs, depending on the insurer, vehicle, drivers, use, excesses and policy terms.
Car insurance can include the following core cover options:
Comprehensive cover
Comprehensive car insurance protects both your own vehicle and others you might affect. It typically covers damage to your own car, liability for damage to third-party vehicles or property, liability for injury to third parties, as well as fire and theft, all subject to the terms of the policy.
Third-party, fire and theft
Third-party, fire and theft insurance covers damage you cause to other people or their property, plus loss or damage to your own vehicle from fire or theft, subject to your policy terms.
Third-party only cover
Third-party only insurance is the legal minimum required to drive on UK roads. It covers injury to others or damage to their property that you are legally responsible for, but it does not cover damage to your own vehicle.
Optional car insurance extras
You can tailor your car insurance with optional add-ons for extra protection.
Some may be included as standard, while others can be added for an additional premium. The right options depend on how much you rely on your car, how you would manage after a claim and what is already included in the policy.
Optional car insurance extras can include:
Motor legal expenses
Motor legal expenses cover helps pay for legal costs if you need to pursue or defend vehicle-related disputes, recover uninsured losses, or contest motoring claims, subject to policy terms and limits.
Breakdown cover
Breakdown cover can provide roadside assistance if your car breaks down. Depending on the level selected, it may also include vehicle recovery, onward travel and, in some policies, a temporary replacement vehicle.
Courtesy car or hire car cover
Courtesy car or hire car cover gives you a temporary replacement vehicle while your own car is being repaired or is off the road after an insured claim.
Protected no-claims discount (NCD)
Protected no-claims discount can help safeguard your discount entitlement, up to the limits of your policy.
Key cover
Key cover can help with the cost of replacing lost, stolen or damaged car keys. This can be useful where modern keys, locks or reprogramming costs are expensive.
European driving cover
European driving cover ensures your car insurance remains valid and compliant while driving abroad in Europe.
What does car insurance cost?
TThe cost of car insurance depends on the driver, vehicle, where the vehicle is kept, claims history, convictions, usage, mileage, excess, and the insurer appetite. Premiums are assessed individually and can vary widely, so any quote should be based on accurate information.
Premium can be affected by:
- Driver age and experience
- Vehicle type and value
- Location and where the car is kept overnight
- Claims and convictions
- Annual mileage
- Usage
- Excess level
- Security devices
- Level of cover
Why choose David J Miller Insurance Brokers?
Established in 1965, we provide traditional personal service for individuals and businesses who value a personal service over call-centre or online self-servicing.
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Over 50 years of experience
We bring practical insurance knowledge built over many years. -
Family business approach
We focus on trust, integrity and personal service. -
Independent broker status
We can approach a range of insurers rather than relying on a single insurer. -
Claims support
If you need to make a claim, we provide support and assistance throughout the process.
How to get a car insurance quote
To provide a car insurance quote, insurers need details about you, your vehicle, how you use it, your driving history, and the level of cover you want.
Information usually needed includes:
Car insurance FAQs
What level of car insurance do I need?
Third-party insurance is the minimum legal requirement to drive in the UK. Depending on your needs, you can choose to increase your cover to third-party, fire and theft, or comprehensive.
What is the difference between comprehensive and third-party car insurance?
Comprehensive car insurance protects your own vehicle as well as others you might affect, whereas third-party insurance only covers damage you cause to others.
Is third-party car insurance always cheaper?
No, not always. Third-party car insurance is usually cheaper than comprehensive cover, but premiums depend on your individual circumstances.
Can I drive someone else’s car on my insurance?
Not automatically – it depends on your policy. Some car insurance policies allow you to drive other people’s cars with their permission, but many do not. Where permitted, cover is usually limited and may only provide third-party protection. Always check your policy first.
Can someone else drive my car?
Only if your policy allows it or they have valid insurance to drive your car. They may need to be a named driver on your policy, have their own cover that applies to your vehicle, or arrange temporary car insurance.
What is a no-claims bonus?
A no-claims bonus (NCB) is a reward you earn for each year you drive without making a claim.