Cars driving down a motorway in Cornwall Bodmin

Here to protect your wheels

Motor Insurance

We will keep you on the road.

If you own the keys to a car or van, we offer comprehensive and commercial vehicle insurance, for people living in Cornwall, Devon, Somerset and Dorset.

So, wherever you go within the UK our car insurance protection can help with any issues that you may encounter on your journey.

Our vehicle insurance provides:

Comprehensive cover for your vehicle and your legal liability for personal injury to third parties or damage to third party property
New vehicle replacement for a car or van under 12 months old
Motor Legal expenses insurance which will help reclaim uninsured costs after an accident which was not your fault
Free of charge windscreen chip repairs
The option to include UK motor breakdown, recovery and home assist together with a further option to add European breakdown insurance (exceptions may apply)
Up to a maximum of 70% No Claims Discount (for private cars), with the option for both private cars and vans to protect your maximum No Claims Discount.
The option to reduce your premium by choosing a higher voluntary claims excess

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.

Thank you to the Cornish Mutual team for dealing with our recent claim so quickly and making the process very easy. I would kiss the Cornish Mutual team if I could and have recommended them to a friend today.

Mrs Nicholls, Motor Policyholder

Devon

Everything is taken care of by our Cornish Mutual Policy and I feel in safe hands.

Mark Clayton, Blowinghouse Garage

Cornwall

Our local insurance advisor lives less than a mile away and knows the area and our business very well. We use Cornish Mutual because they know the industry and they understand what we do.

Richard and Sarah Jones, Smeaton Farm

Cornwall

Frequently asked questions

What insurance documents do I need if I wish to take my vehicle to Europe?

As we approach the end of the Brexit Transition Period, it remains uncertain as to what insurance documents will be required if a member wishes to take their vehicle to Europe.

With this in mind, we would suggest that any member intending to take a vehicle to Europe contacts us 10 working days before travelling in order for us to issue an International Motor Insurance Card document (also known as a Green Card).

This includes members with Private Car policies where the reverse of your certificate currently states that it takes the place of a Green Card, as this may no longer be acceptable.

Should you require a Green Card, please contact our Member Services team:

Phone 01872 277151
E-mail

We strongly recommend that, before leaving the UK, you investigate what other documents you may need to ensure that you are fully compliant with European requirements. Further information is available here.

Who do I call if my vehicle has broken down?

Your Motor Breakdown cover is provided by Call Assist Limited. Should you breakdown you can contact them on 01872 272178 in the UK or 00 44 1872 272178 from outside of the UK (if you hold European Breakdown cover). Please try to make sure that you have your policy number to hand.

Who should we use to replace a damaged windscreen?

Who you use to repair or replace your windscreen is your choice - you will pay the same windscreen excess regardless of the company used. However, National Mobile Windscreens are familiar with our processes and can be contacted on 0800 373 171.

What should I do in the event of a claim?

Please visit our ‘How to make a claim’ page where you will find all of the information you need.

My friend tells me my car insurance insures me to drive anyone else’s car comprehensively. Are they right?

No, your friend is incorrect. Third party cover may be provided, but you should check this on your Motor Certificate. If you want to drive someone else’s car then you need to discuss this with us before using the vehicle. Separate arrangements apply on Motor Fleet policies.

I've paid the excess to the repairer of my damaged car. As the accident was not my fault will I be reimbursed?

If there is more than a 50% likelihood that you were not responsible for the accident, we will encourage your Legal Expenses Insurer – cover which is automatically provided in every Cornish Mutual Motor Policy – to seek recovery of your excess and any other reasonable expenses you have incurred from the negligent party.

Can I get a courtesy car or a hire vehicle?

The availability of a courtesy car is dependent on several factors. The following scenarios will help you establish if you are eligible for a courtesy car:

If you were at fault for the incident and no any other vehicles were involved

If you are at fault for the incident or your vehicle is stolen, there is no provision for a hire vehicle on any of our motor policies.

If your vehicle is repairable and you decide to use one of our partner repairers, you are entitled to a courtesy vehicle provided by the repairers. This vehicle will be available for the duration of the repairs.

If you would prefer to use your own repairer, you should check whether they are able to provide a courtesy vehicle. Cornish Mutual cannot assist with this.

Courtesy vehicles are not like-for-like and are usually 1 litre, 3 door, manual transmission cars or similar.

Courtesy vehicles are not usually charged to you or the insurer.

If another party was at fault for the incident?

If you are not at fault, Cornish Mutual will use your Legal Expenses provider ARAG and instruct a company called S&G to assist with any uninsured losses.

Uninsured losses are losses not insured by Cornish Mutual. This includes the cost of a hire vehicle, and the legal costs in recovering losses such as loss of earnings, excess and injury from the at fault party.

S&G will provide you with a like-for-like credit hire vehicle and recover the costs of the hire vehicle from the at-fault insurers.

If your vehicle is repairable you will have access to a hire vehicle for the duration of the repairs.

If your vehicle is not roadworthy you will have access to a hire vehicle from the accident date if required.

Does your breakdown cover include livestock trailers?

Yes, both Horse or Livestock Trailers. The trailer must be:

Towed by the Vehicle at the time of the breakdown
Designed and manufactured specifically for the transportation of horses or livestock
The total weight of the trailer, including any horses or livestock, must not exceed 3.5 tonnes.

Do you underwrite your own policies?

Yes. However, we also partner with third party organisations, including ARAG who provide our underwriting for breakdown and home emergency and Liberty for the Environmental Damage cover add on.