Frequently asked questions

Some questions that you may have…


Car insurance

General questions about my policy

My policy cover

Yes, if you have comprehensive cover and you use our approved repairer, you'll get a courtesy car while yours is being repaired. This is subject to availability and does not apply if your car is a total loss.

Yes, you're covered to drive anywhere in the European Union, Iceland, Norway, Switzerland, Liechtenstein, Andorra and Serbia. The level of cover and number of days vary, so check your policy documents for full details.

If no Brexit deal is reached, or a transitional period agreed, from the date the UK leaves the EU, you'll need to provide a Green Card at European borders to prove you're insured.

Yes, if you have a comprehensive policy you're covered for the replacement or repair of a windscreen.

Yes, most policies cover you to drive any other vehicle on a third party only basis, providing:

  • The vehicle's insured
  • The owner's given permission
  • The vehicle isn't owned by you as the policyholder.

Hire purchase or lease agreed vehicles aren't permitted and only the policyholder is covered, named drivers are not included.

Yes, costs will vary dependent on your insurer. Please get in touch to discuss the available options.
Modifications that improve your car's value, performance, handling or attractiveness may not be acceptable. Please call us for confirmation.

Making changes to my policy

Making changes

You can call us at anytime to advise if you have incurred a conviction. However, it doesn’t need to be added to your policy until your next renewal.

Yes, providing they meet with the insurer's terms & conditions. Please call us on 0333 321 9763

No claims discount

No claims discount

Yes, depending on the underwriter, you can usually pay to protect them.

No. You can only add no claims discount protection when you take out a new policy, or at your renewal.

No, but we may be able to give you an introductory discount if you have a safe driving history. Please give us a call on 0333 321 9763 to see if we can help.

No, we can only accept discount that's been earnt on a private car policy, in the UK.

Make a claim

Make a claim

Call our helpline on 0800 035 4260, lines are open 24/7. You'll also find full details on how to claim in your policy documents, which are available in your MyAccount.

If the repairs will cost more than your vehicle's market value, we're likely to consider it beyond economical repair or a 'total loss'. When this happens, we'll make you an offer for your vehicle based on its market value.

This is dependent on your underwriter but usually, once you've registered a claim, our validation team will arrange a call with you to discuss the next steps.