Car Insurance FAQs
1. Can I get a quote if I don’t have a registration number?
2. Can I cover a personally imported car?
3. Do I need to provide evidence of my No Claims Discount?
4. I’ve been driving a company car for the last few years. Will you give me a No Claims Discount?
5. What should I do if my circumstances change during the period of insurance?
6. Does the policy cover me to drive other cars?
7. How can I pay for my policy?
1. Can I get a quote if I don’t have a registration number?
Yes. We understand that there may be circumstances where you won't have the registration number of the car you want to insure - it may be that you're thinking of changing cars and want to find out how much it would cost to insure. You can select from our list of cars to get a quotation, but if you decide that you want to buy a policy, then you will need to know the registration number. Please note that you can't use the same no claims discount on more than one policy at the same time.
2. Can I cover a personally imported car?
3. Do I need to provide evidence of my No Claims Discount?
4. I’ve been driving a company car for the last few years. Will you give me a No Claims Discount?
5. What should I do if my circumstances change during the period of insurance?
Yes, but only if the car is, or has been, available as a standard production model in the United Kingdom and has a United Kingdom registration number.
If the vehicle is not available in the United Kingdom contact our office on 01628 667707 for a specialist imported vehicle quote.
If you decide to take out a policy with us, you'll need to provide evidence of your no claims discount, which must have been earned on a private car insurance policy for a private car or on a commercial vehicle insurance policy for a commercial vehicle. Some insurers will accept the transfer of the no claims discount from private car to commercial vehicle or commercial vehicle to private, but must be agreed by calling 01628 667707.
The no claims discount is the original of your most recent insurance document from a UK insurer that shows the number of years' no claims discount you've earned, the expiry date of your last insurance policy and any claims you have made. Usually this is one of the documents in your renewal invitation from your last insurer.
Please note that we ONLY accept original documents from UK insurers relating to a no claim discount which has been earned on an insurance policy. We don't accept photocopies or documents from brokers or intermediaries. Normally the expiry date of your last insurance must be no more than 2 years ago. Some insurers will accept no claim discount upto 3 years old, this can be confirmed by calling 01628 667707.
Please note that you cannot use the same no claims discount on more than one policy at the same time.
Unfortunately, we can't return your evidence of no claims discount once it has been used for your policy.
If you're a company car user who is moving to your own insurance, then we'll need a letter from your employer confirming that you were the sole user of the company vehicle, the dates you were covered under the company car scheme, details of any claims which occurred during this period and whether these were settled on a fault or non fault basis. The letter will also need to confirm that you no longer have a company car.
If you don't produce evidence of your declared no claims discount, we'll either charge you for the additional premium required from the start date of your policy or cancel the policy.
You must tell us as soon as possible if any of the following occur:
We may then re-assess your cover and premium. If you don't tell us about any relevant changes, we may reject or reduce any claim or treat you as being uninsured. We may charge you an administration fee for any changes you make to your policy details during the period of cover.
Please call us on 01628 667707 to make any changes to your policy.