Insurance Policy Frequently Asked Questions
Am I covered to drive my car abroad?View Answer
You are covered in Europe for a maximum of 30 days per policy term.
Are there any restrictions on when and how many miles I can drive?View Answer
You can drive any time of day or night – however, frequently driving at risky times, such as after 11pm, may reduce your driving rating, preventing you from getting a discount on next years renewal quote. Continually driving between these times could lead to your policy being cancelled.
During your quote just let us know how many miles you will cover over a year and your premium will automatically include these. If during the year you think you may travel further than this just let us know.
Can I drive any car?View Answer
Not automatically, the majority of Comprehensive policies no longer include this as standard.
Your certificate of Motor Insurance will tell you if this included in your policy.
Can I temporarily add a driver to my car insurance?View Answer
No, we do not allow temporary drivers to be added; however, you can add a driver permanently at any time, subject to your insurer accepting their risk details.
Can you send me proof of my No Claims Discount (NCD)?View Answer
If you have received your renewal documents, your NCD will be stated on the forms; NCD can only be issued when a full year has been completed. If you have cancelled your policy part way through the year, please use the NCD certificate supplied by your previous insurer.
Do I have to provide you with photos of my car?View Answer
Yes, one from each corner angle of the car is required. We will send you detailed information on which photos are required.
Do I need cover for business use?View Answer
You’ll need business use if you ever have to travel to more than one place for your work, for example travelling to multiple offices, care workers who visit patients houses etc.
Do I need to provide proof of my No Claim Discount (NCD)?View Answer
We do not require proof of your no claims discount. However, your insurer may request proof in the event of making a claim.
Do you cover cars with modifications?View Answer
It depends on the type of modifications. Please disclose any modifications when you complete your quote and we will confirm if we can provide cover for your car.
Please note, some minor modifications such as tinted rear windows may not quote, but we may be able to cover you, by excluding those modifications from your cover. If your quote is declined when adding modifications, please call us on 0330 041 7000 to see if we can help.
If I buy a new car, how do I change my insurance to my new car?View Answer
If you buy a new car please call our service centre on 0330 041 7000 with the registration, make and model of your vehicle. Please be aware an additional premium may be payable.