Frequently asked questions
An excess is the sum of money that you will be required to pay should you make a claim against your insurance. A compulsory excess is the sum that your insurer sets and is non-negotiable. This amount depends upon different factors including your age, the type of claim and your car type. The compulsory excess amount is added to the voluntary excess amount to make your total excess should you make a claim. This amount will be outlined within your policy documents.
A cancellation fee may be applied if you cancel your policy before your renewal date. You will be charged £25 if you cancel your policy within 14 days of your policy start date and £60 thereafter. Full details of our fees and charges can be found in your documents. If you are an existing customer, you can view your documents at any time within your My Account by selecting “Insurance documents” from the menu on the left.
Additional excesses may apply while your vehicle is being driven by a young or inexperienced driver. A young driver is a driver under the age of 25. An inexperienced driver is someone who has held their licence for less than 1 year or holds a provisional licence.
All round window glass cover is included with all comprehensive policies. If we can repair your window glass, there is a £25 excess. If your window glass requires replacement, a standard excess of £100 will apply. The quickest way to claim for a windscreen replacement or repair is by clicking here and completing our online booking form.
Yes, we can insure vehicles with private plates. We will need to know the registration number that is on the car currently so if you are waiting for the private plate then please tell us the original registration number now and then let us know when the private plate has been fitted.
The different types of use and what they cover you for are detailed below:
Social, domestic, pleasure and commuting (SDPC) This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use, plus to travel to and from a single permanent place of employment. Students using their vehicle to drive to and from a place of education would require this cover.
Social, domestic and pleasure only (SDP) This use will cover the regular driver and any named drivers to use the vehicle solely for social, domestic and pleasure use. This excludes any travel to and from work or business use.
SDPC and business use (proposer / spouse only) This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use. Also covers the regular driver and spouse for personal business use and to travel to various places of work in connection with their employment.
SDPC and business use (any named driver) This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use. Also covers the regular driver, spouse and authorised drivers to use the vehicle in connection with the businesses of the regular driver and/or the regular driver’s spouse only. (Please note that we can not offer insurance if the vehicle will be used for public or private hire)