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...

Your renewal

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

How do I pay for my policy at renewal?

You can pay for your renewal by debit/credit card or direct debit. If you'd like to change the way you pay for your policy, or change the card you would like to pay with, please call us on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute.

Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary.

If you paid for your last year's policy using your own debit/credit card, we will automatically renew your policy and debit the premium from your card on your renewal date, unless you tell us otherwise.

If you paid for your policy using someone else's card, please ensure the cardholder is happy for us to debit your renewal from their card again this year. Alternatively, if you would like to update your payment details, please call us on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute.

If you pay by direct debit, we will automatically renew your policy unless you tell us otherwise.

Will my premium change at renewal?

We'll do our best to keep your renewal premium as low as possible. If you have four years or less No Claims Bonus and have not made a claim during your time with us, you'll get a further year's No Claims Bonus. This will reduce your premium, but rate increases during the year may mean your premium is still higher than last year.

I've had a claim. How will it affect my renewal premium?

If we already know about the claim before we post your renewal pack, your No Claims Bonus entitlement will have already been amended and your renewal premium revised to take the claim into account.

If you make a claim and we've already posted your renewal pack, we will have to amend your No Claims Bonus entitlement and revise your premium. We will let you know what your new premium is as soon as you notify us about the claim.

Will my No Claims Bonus be affected if I've made a claim this year?

We will reduce your No Claims Bonus for every claim you make where we don't recover all of our costs.

Your No Claims Bonus will be reduced by two years (or whatever you have if less than that) for every fault claim you make. Also, you won't get an extra year's No Claims Bonus when your policy is due for renewal.

What if my No Claims Bonus is protected or guaranteed?

You can make up to two fault claims in three years before we will remove the protection.

If you make three fault claims in three years, we will remove the protection and reduce your No Claims Bonus by two years.

Can I protect my No Claims Bonus at renewal?

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

How do I make a change to my policy from renewal?

Just call us on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute and we will make the changes for you.

Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary.

What should I do if I've had a motoring conviction during the past year?

If you have had any of the following:

  • A motoring conviction
  • Penalty points
  • A disqualification
  • A ban
  • A driver awareness course

Please call us on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute straight away.

Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary.

What should I do if I've modified my car?

Please call us on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute if you have modified your car, as we don't cover all modifications. It's important to note that a standard parts replacement clause applies to all modified cars.

Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary.

What should I do if I don't want to renew my policy?

We hope that won't be the case, but if you don't want to renew your policy, please give us a call on 0844 848 0050 or call 63774 from your mobile at a fixed rate of 15p per minute.

Calls to 0844 numbers will be charged at 5p per minute from BT Landlines. Calls from mobiles and other networks may vary.

When will I get my No Claims Bonus proof?

Your No Claims Bonus proof can be found in your renewal pack, you'll find it on the page titled 'Motor Renewal Confirmation (Proof of No Claims Bonus)'.

 
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