At MICL, we offer a range of insurance products, targeted at both private and commercial customers enabling their individual needs to be supported by a highly efficient claims service.

The benefits of this flexible, partnership approach can be seen in traditional mechanical breakdown insurance, purchased from a car dealership at the same time as a new or used car, and which provides insurance against unforeseen vehicle breakdown. We can design mechanical breakdown insurance programmes to be marketed through motor dealer, direct or agency network distribution channels. As a result, more drivers can be protected against the cost of their car breaking down.

MICL also provides specialist group stock insurance for motor manufacturers and their dealership networks. A unique product, this valuable cover protects vehicles in the showroom and on the forecourt against theft and physical damage resulting from hailstorms, flooding and other natural disasters as well as from fire, vandalism and collision. As a result, dealerships can resume normal trading with the minimum of disruption and financial loss, even in the most adverse circumstances. While stock insurance programes are tailored to specific customer needs, premiums are very competitive as the risk is spread across a large group of insurance beneficiaries. As you might expect, our sophisticated risk management and claims techniques supports a first class service.