Motor Liability Top-up
Useful information about Voluntary Financial Liability Insurance
Compulsory Traffic Insurance pays third-party damages only up to legal limits. In a serious accident — several vehicles, injuries or a high-value car — those limits are easily exceeded, and the difference is yours to pay. Voluntary Financial Liability raises that ceiling.
It works on top of your traffic policy, covering third-party vehicle, property and bodily injury claims above the compulsory limit up to the amount you choose. It is inexpensive relative to the protection it provides.
We help you choose a limit that matches real-world risks and explain how it interacts with your Kasko and traffic policies, so there are no gaps between them.
What is typically covered?
- Third-party bodily injury above compulsory traffic limits
- Third-party vehicle and property damage above legal limits
- Optional non-fault and moral damage extensions
- Legal defence support for covered liability claims
- Cover limits you select, commonly from mid to high tiers
Who is it for?
Every driver benefits, but it is especially important for those who drive often, cover long distances, or could face large claims — commercial vehicle owners, families with a single earner and anyone driving in dense traffic. The premium is small next to the risk it removes.
What sets our agency apart
The value of this cover only shows in a serious accident, and that is exactly when clear guidance matters. We size your limit honestly — neither underselling nor overselling — and we stand with you through the claim, coordinating between the traffic policy, this cover and the other side. Straight talk before, steady support after.