Frequently asked questions

Do you have a question? Before you call us, take a look at our car insurance FAQ's. There are four topics to choose from...

Buying your policy

Choose from the list of questions below to find the answer to your question...

Is immediate cover available?

Yes, get a car insurance quote and you'll find out everything you need to know.

How can I pay?

We accept payment in full by Visa, Mastercard, American Express, Maestro or Visa Debit/Delta. You can also pay by Direct Debit if you call us on 0333 220 2086 and tell us that you want to pay by Direct Debit before you take out a policy with us, or when you renew your policy.

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Do I need to be the registered owner of the car to insure it?

Normally either the policyholder or their partner needs to be the registered owner of the car. We can sometimes insure personal lease cars. Please call us on 0333 220 2086 for further details.

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

What type of cover can I buy?

We offer three levels of car insurance cover:

Comprehensive cover offers you the highest level of protection. You are covered for accidental damage, fire, theft or malicious damage to your own car, as well as any damage you cause to other people and their property.

Third Party, Fire & Theft cover insures you against fire or theft damage to your own car, or any damage you cause to other people and their property.

Third Party Only cover is the lowest level of protection available. You are covered for any damage you cause to other people and their property. Your car is not covered for any type of loss or damage.

What is the difference between a 10-month bonus accelerator and an annual policy?

Our bonus accelerator policy lasts for 10 months instead of 12, but credits you with a full year's No Claims Bonus after 10 months. This means that you can build up your No Claims Bonus more quickly, so long as you don't make a claim. Our bonus accelerator policy could be suitable for people who are taking out insurance for the first time, or who have recently lost their No Claims Bonus.

If you already have a maximum No Claims Bonus, we recommend you take our annual policy. This runs for 12 months.

Why do I have to tell you what I use my car for?

We need to make sure that your car insurance policy covers the activities that you use your car for. There are five 'classifications of use':

Social only: Using your car for social, domestic and pleasure purposes. This does not cover use between home and work.

Social and Commuting: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. This does not cover any form of business use, including journeys to different places of work.

Business class 1: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder only in connection with his or her business or profession. This does not cover use for selling or commercial travelling, or use by any other driver for business purposes.

Business class 2: Social domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder and named drivers in connection with their business. This does not cover use for selling or commercial travel.

Business class 3: Social, domestic, and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business. Plus use by the policyholder in connection with his or her business or profession and also by other drivers covered by the policy on the business of the policyholder and on the business of the employer of the policyholder, which includes use for selling or commercial travelling.

What is No Claims Bonus?

For every year of claim free driving, you earn a discount off the cost of your renewal. If you have already earned No Claims Bonus with your previous insurer, we will ask you to send us written proof (usually a renewal notice or Proof of No Claims Bonus letter from your previous insurer).

Will you accept No Claims Bonus proof from abroad?

We can accept proof of No Claims Bonus from any EU country so long as it is in writing and we can confirm the bonus with the insurer if necessary. The proof document must show your No Claims Bonus in years and not as a percentage. We can only accept No Claims Bonus from the EU.

Will you accept company car No Claims Bonus?

In some instances we may accept No Claims Bonus from a company car scheme. We would need to see the following information on company headed notepaper:

  • Your name
  • Dates of insurance with the company
  • Details of any claims or accidents
  • Registration number of car insured with company
  • Confirmation of social, domestic and pleasure use
  • Confirmation you were the sole user of the car i.e. it was not a 'pool' car
  • Confirmation you no longer have use of this car i.e. the No Claims Bonus has been released

When can I protect my No Claims Bonus?

You will be able to protect your No Claims Bonus so long as:

  • You have four or more years No Claims Bonus
  • All drivers on the policy have a full UK or EEC licence

Can you cover an imported car?

We can cover you if your car is registered in the UK. If you are buying your car outside the UK and require cover to return home, insurance will need to be arranged in the country of purchase. This is an EU requirement. Please call us on 0333 220 2086 if you require further information.

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

Do you cover cars with modifications?

It depends on the type of modifications. Please call us on 0333 220 2086 for further details. It's important to note that a standard parts replacement clause applies to all modified cars.

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

What is an excess?

An excess is the first part of a claim you must pay, regardless of who is to blame. Exact details of any excesses that apply to you can be found on your Policy Schedule.

What type of licences do you accept?

There are four types of licences we accept:

  • UK full (including automatic licences)
  • UK provisional
  • EEC full
  • Non-EEC full for certain countries (please call 0333 220 2086 for details)

Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

 
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