Home - Car Insurance - Useful Information - Frequently asked questions

Can I pay for my car insurance by instalments on-line?

Yes, provided the proposer is aged 18 or over with an annual premium of £125 or more. We require a deposit to start your car insurance and then the balance can be paid by Direct Debit over the following 10 months. A credit charge is payable and this will be added to your total premium.

Can I change my instalment repayment dates?

This is possible, but not currently available on-line. You would need to contact our Customer Services department on 0870 220 2764, who will advise which preferred dates are available.

Can I cancel my Direct Debit at anytime?

Yes, you can cancel your Direct Debit at anytime by advising your Bank or Building Society. However, please note that by cancelling your Direct Debit, you are also cancelling the Credit Agreement. If you are cancelling your Direct Debit before the final payment has been made to us, the outstanding balance becomes payable immediately.

IMPORTANT: Cancelling your Direct Debit does not cancel your car insurance policy.

How reputable are the companies you deal with?

All the insurers on our panel are regulated by the Financial Services Authority.

Is there a courtesy car in the event of an accident?

Yes, with Comprehensive insurance cover only, providing the vehicle is repairable (not written off) and the claim is arranged through your insurance company's approved repairer. The provision of a courtesy car will be subject to availability.

Do you insure drivers under 25?

Yes, we have a range of car insurance policies for young drivers and inexperienced drivers.

Does the price of my car insurance include motor legal expenses cover?

This is not included automatically. Motor legal expenses cover (Motor Protection Plan Plus) is an optional extra, and full details are provided with your on-line quotation. Motor Protection Plan Plus provides insurance in respect of solicitors' fees to assist you in recovering any uninsured losses in connection with a claim that wasn't your fault (e.g. your excess or damages for personal injury).

Does the car insurance policy entitle me to drive anybody else's car?

Most policyholders over 25 are provided with this cover. However, you need to check your certificate of insurance to make sure you have this entitlement which is limited to third party cover.

I have been a named driver on someone else's car insurance policy. Does this entitle me to a no-claims discount if I start on my own?

It is only possible for the policyholder to benefit from the no-claims bonus but we can usually arrange an introductory discount for you if you are claim-free. Please call us on 0800 093 9983 for further assistance.

I am getting a second car. Can I use my no-claims bonus twice?

No, the no-claims bonus is limited to one vehicle. However if you are claim-free we can offer an introductory discount through our panel of insurers. Please call us on 0800 093 9983 for further assistance.

I have had access to a company car for a few years. Can I get a discount for this?

Yes, we are able to offer special discounts with selected companies, from our panel of insurers. However as further details are required, please call one of our car insurance sales advisors on 0800 093 9983.

Is Payment Protection cover included with my car insurance?

This is not included automatically. Payment Protection cover (Equity Red Star at Lloyd's) is an optional extra.

Payment Protection covers the monthly amount due under your car insurance policy (excluding any arrears), in the event of unemployment or disability (subject to terms and conditions - see the car insurance policy documents).