CIC General Insurance

Motor Private Insurance

Car insurance

What is this?

It covers your car for a year, for damage, fire and theft, and for harm you do to other people.

What it covers	Accidental damage, malicious damage, theft, fire, riot and strike, and third party claims
What it costs	not disclosed
What you pay on a claim	not disclosed

CIC General Insurance does not publish what it charges. We looked for 2 charges and found no figure for any of them:

The cover stops. You get nothing back, and driving without cover is against the law.

There is nothing to take out. This is cover, not savings.

It could work for you if

You are happy to ring an agent and be quoted a price over the phone.

Think twice if

You want to compare cost before you call. The page prints no price at all.

EWon't tell you what it costs

1 of 7 answered

What do they charge you every year?
This kind of charge does not exist on this product.
What is taken off the money you pay in?
This kind of charge does not exist on this product.
What does it cost to get out early?
There is nothing to cash out, so there is no exit charge.
What is the smallest amount you can start with?
They do not publish a minimum. You have to ask an agent.
How long is your money tied up?
Not applicable to this kind of product.
Is the advertised return before or after their charges?
This kind of product does not advertise a return.
Do they warn you the return is not guaranteed?
This kind of product does not advertise a return.
Do they tell you what you get back if you stop early?
You get whatever your money is worth on the day. There is no schedule.
Do they list what is not covered?
No list of exclusions appears in the sources we checked.
Are all their charges published?
No. 2 charges are mentioned without a figure.
Do they say who regulates them?
They do not say who supervises them.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

· The page lists what the policy covers and no figure of any kind.
· It does not say what you pay towards a claim, which is where most motor policies bite.
· It does not name the regulator. CIC states its regulator plainly on its investment pages.
· CIC General Insurance is supervised by the IRA, but you would not learn that here.

There is 1 other plan of this kind on the board. See all 2 side by side — what each one leaves you with, and which of them will not say.