Insurance Policy Frequently Asked Questions
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.
What happens if I cancel my policy?View Answer
As long as you’ve not made a claim or no claim has been made against you, we will calculate how much of your insurance you have used and deduct this from any payments made along with any applicable fees. Fees will vary by insurer, the length of time you’ve had your policy and whether a Smartplug has been issued and returned.
What happens if I lose my insurance certificate?View Answer
All of your documents can be found in your SDCI app. You can request another copy of your certificate electronically from us by calling our service centre – there will be a charge of £10 for this service.
Am I covered to drive my car abroad?View Answer
You are covered in Europe for a maximum of 30 days per policy term.
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.
Is my windscreen covered?View Answer
Yes, with an excess payable of £35 for repair or £95 for replacement.
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.
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.
What do I need to do if I need to make a change to my details?View Answer
Please call our service line on 0330 041 7000 and we will amend your details accordingly. Should any changes involve a change of premium this will be advised at the time of your call.
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.