Frequently asked questions
We have listed some of the most common questions that we get asked below. You may also find the answer you are looking for in one of the more specific sections e.g. Making a claim.
If you can’t find you’re the answer to your question – don’t worry just give us a call on 0845 272 7603 and one of our consultants will do their very best to help you.
- Can I get immediate cover?
- Your system does not recognise the make and model of my car - what should I do?
- Does my policy cover me to drive abroad?
- Does my policy cover me to drive other cars?
- When will I receive my insurance documents?
- What does No Claims Bonus stand for?
- What is an excess?
- Will you insure my car if it has modifications?
- Can you provide insurance for my vehicle if it has been imported?
- Will I be supplied with a courtesy car while my car is being repaired?
- I've been a named driver on someone else’s policy for a few years - does that entitle me to a no claims discount if I start my own?
- Can I pay by instalments?
- Do the years I've spent driving a company car count towards my no claims discount?
- How do I make changes to my policy?
- Will you cover the car I've been lent by a garage?
- What if I lose my certificate?
- Why can't I get a quote from your interactive quote service?
- Do I need to be the registered owner of the car?
- How do I renew my policy?
- Do you sell classic car insurance?
Answers:
Can I get immediate cover?
As long as you have a credit or debit card, we can issue you with immediate cover. Terms and conditions apply. If you want immediate cover please call 0845 272 7604 where one of our team will be happy to help.
Your system does not recognise the make and model of my car. What should I do?
Sometimes we are unable to identify the make and model of your car just from the registration number. When this happens, select no to the question ‘Do you know the registration number of the vehicle you would like to insure?’ and leave the registration field blank. You will then be asked to search for your car’s make and model manually. Once you have done this, the system will display a list of vehicle models. You should select the correct model of your vehicle from this list. If you are unable to find the exact car details, please call us on 0845 272 7604.
Does my policy cover me to drive abroad?
Yes, full policy cover is given for 90 days a year in the European Union. But please call us so we can check this for you or refer to your policy booklet before you travel.
Does my policy cover me to drive other cars?
Yes provided you are over 25 years old and you do NOT work in the motor trade, for example, mechanics, chauffeurs, driving instructors etc. It is shown on the final quote screen along with your premium.
Driving other cars applies to the policyholder ONLY and allows them to drive other cars but no motorcycles on Third Party cover ONLY. Further terms and conditions apply which you should refer to the policy book or contact us.
When will I receive my insurance documents?
We send all our documents by 1st class post and we try to get these to you as soon as possible. You should allow a maximum of 5 working days for any documentation to reach you. If it has not arrived after this time, please contact us.
What does No Claims Bonus mean?
No Claims Bonus represents the number of years you have held a policy without making a claim or having a claim made against you. Any No Claim Bonus that you have earned can only be used on one policy at a time.
What is an excess?
An excess is the part of a claim that you will have to pay.
Will you insure my car if it has modifications?
It depends. We don’t currently quote for modified cars online, but we may be able to give you a quote if you call us on 0845 272 7604.
Can you insure my vehicle if it has been imported?
Yes, as long as the car has been built to the UK specification and is available to buy in the UK market. If your car has been imported, please call us on 0845 272 7604 and we will check if cover can be provided.
Will I be supplied with a courtesy car while my car is being repaired?
If you have Comprehensive cover, you are entitled to a guaranteed courtesy car for the duration of repairs to your own car provided it is as a result of a claim and you have used one of our approved repairers.
I've been a named driver on someone else’s policy for a few years - does that entitle me to a no claims discount if I start my own?
You may be eligible for an introductory discount, please call for a quote on 0845 272 7604.
Can I pay by instalments?
Certainly, you can either pay by direct debit from your bank account or by our payment card plan. You will be required to pay an initial deposit usually by credit or debit card. You must be 18 or over to pay by instalments.
Do the years I've spent driving a company car count towards my no claims discount?
You may be eligible for an introductory discount, please call for a quote on 0845 272 7604.
How do I make changes to my policy?
Please contact our Customer Service department on 0845 272 7603 where one of our team will be pleased to help you.
Will you cover the car I've been lent by a garage?
We will cover any courtesy or hire car as long as it has not been insured by the garage or hire company. An additional charge will apply. Please contact our Customer Service department on 0845 272 7603 to arrange cover.
What if I lose my certificate?
We can replace your Certificate of Motor Insurance for a small charge. To get a replacement certificate, just call us on 0845 272 7603.
Why can't I get a quote from your interactive quote service?
If you are experiencing problems with our on-line service it could be for a number of reasons. If you are using Netscape navigator or any Apple Mac browser, you may face difficulties. Switching to Internet Explorer 5.5 or upwards should remedy your problems. However, if you still experience problems please call us on 0845 272 7604 and we can give you a quote over the phone.
Do I need to be the registered owner of the car?
In addition to the policyholder the following can be accepted as the registered owner/keeper:
- Spouse
- Common Law Spouse
- Company
- Company lease (12 months or greater)
- Finance Company
- Leasing agreement (12 months or greater)
- Local Council Finance Scheme – provided vehicle is being bought by the policyholder.
You must tell us when you are buying a policy who is the registered owner.
How do I renew my policy?
Please contact us on 0845 272 7609 where one of our team will be happy to help.
Do you sell classic car insurance?
No, sorry we don’t sell that type of insurance. With our policy, the most that will be paid out is the market value of your car (provided the damage is covered by the policy).
Classic car insurance is a specialist policy where the value of the car is agreed before the policy starts. It’s suits older cars (usually more than 20 years old) that are driven less than 3000 miles a year.