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Frequently Asked Questions

  1. What information do we need to know?
  2. I've been a named driver on someone else's car for a few years does this mean I'm entitled to a no claims discount if I take out my own policy?
  3. What is a car insurance policy excess?
  4. Does the policy entitle me to drive anybody else's car?
  5. Do you deal with other types of insurance?
  6. Are you a broker or an insurance company?
  7. What are the different types of use?
  8. I have several points on my licence, am I eligible for cover?
  9. When does my cover start and can a policy be backdated?
  10. Will I get a refund if my policy is cancelled?
  1. What information do we need to know?
    You must tell us everything that is relevant to your insurance. If you don't then you risk having your policy voided, and being left without cover. We need to know all your details, your driving history (any claims or motoring offences for you and any other drivers who will be using the car), the car details and the location. It is useful to remember that Insurance Companies and the Police share information via the Motor Insurers Database about cover, drivers and driving history.
  2. I've been a named driver on someone else's car for a few years does this mean I'm entitled to a no claims discount if I take out my own policy?
    Only the policyholder can benefit from the no claims discount but we can offer a discount to drivers without any no claims discount subject to meeting our criteria and this could be up to 60% off in the first year.

  3. What is a car insurance policy excess?
    Excess is the amount you will have to pay if you make a claim on your insurance. There are two types used; compulsory and voluntary. Compulsory excess is set by us depending on things like your age and the type of car you drive. If you take out standard cover you can add voluntary excess to help bring your premium down even further. If you opt to do this, both will be added to create one total excess. If you take out excess cover this can be reduced or removed altogether.

  4. Does the policy entitle me to drive anybody else's car?
    Most policyholders over 25, depending on the Insurer are provided with this cover. However, you need to check your certificate of insurance to make sure you have this entitlement, which is generally limited to third party cover.

  5. Do you deal with other types of insurance?
    Yes, we are able to provide insurance for commercial vehicles (vans), motorcycle, travel, and household and let property insurance. We can also deal with commercial insurances such as office, shop or liability policies. Please call us on 0870 850 1578 and we will be pleased to provide you with an immediate quotation.

  6. Are you a broker or an insurance company?
    We are an Independent Intermediary (or broker) and are authorised and regulated by the Financial Services Authority.

  7. What are the different types of use?
    It is important that you have the right use for your car, if you have the wrong use you may find that your insurance company will not pay out on a claim.
    • Social, Domestic & Pleasure - this covers you for normal day-to-day driving, such as driving to visit family or friends, or shopping.
    • Commuting - this covers you to drive back and forth to a permanent place of work. Please note that travelling to a railway station, where you park your car, is classed as commuting.
    • Business Use - this covers you to use the car in connection with your job, driving to different sites, travelling to training courses or prearranged meetings away from your normal place of work.
    • Commercial Travelling - This covers the car to be used for such things as door-to-door sales.

  8. I have several points on my licence, am I eligible for cover?
    We have hundreds of policies from over 30 insurers. This allows us to find you the best deal, whatever your personal circumstances. Give us a call on 0870 850 1578 , you may be surprised at the premium we can find for you.

  9. When does my cover start and can a policy be backdated?
    A policy usually starts at the time that the first payment or deposit is paid; however cover can be started a few days in advance. Under no circumstances can insurance cover be backdated.

  10. Will I get a refund if my policy is cancelled?
    Insurers all have different cancellation charges and not all policies will allow a refund. Call our customer service line for further information.