Car Insurance FAQs
Please select a question from the list below. If you cannot find the answer to your specific question please email your enquiry directly to info@car-insuranceuk.com
What Is The Difference Between Third Party, Fire & Theft And Comprehensive Car Insurance?
Third Party, Fire & Theft car insurance provides cover for damage to your vehicle as a result of fire or theft and for damage to a third parties vehicle in the event of an accident.
Comprehensive car insurance provides cover to your vehicle as a result of an accident, fire or theft. You are also covered for damage to a third parties vehicle in the event of an accident. Comprehensive cover usually includes other benefits such as cover against items stolen from your vehicle, in-car entertainment, personal accident protection, medical expenses, injury or death of the policyholder. (back to top)
What Is An Excess?
An excess is a contributory amount you pay when making a claim on your car insurance. If the claim is deemed not to be your fault, it may be possible to recover your excess from the negligent third party. (back to top)
What Is A No Claim Discount Or No Claim Bonus?
These are the same. Some car insurance companies use the term ‘No Claim Discount’ and some use ‘No Claim Bonus’. It is the term used for the discount given by insurers to policyholders who have not had a claim made against them or made a claim themselves. It is usually expressed in years. (back to top)
What Is Protected No Claim Bonus?
With most insurers, you can protect your car insurance no claim bonus for one or two at fault claims in a given period. This means that if you have no third party to claim against, or if your vehicle is stolen, you will not lose your no claim bonus as well. (back to top)
Do The Years I’ve Been Driving A Company Car Count Towards My No Claim Bonus?
Most car insurance companies will be able to offer you a no claim bonus if you have been previously driving a company car that is not a pool car, including both business and pleasure use. You must be able to provide a letter from your employer to confirm that you have given up the company car within the last year and have not made any claims. (back to top)
Can I Take My No Claim Bonus To Another Insurer?
You can take your no claim bonus to another insurer if it is not being used on another vehicle.
Your new car insurance company will need to see proof of your no claim bonus and this should be confirmed on the renewal notice from your previous insurer. If you do not have a renewal notice, contact your previous car insurance company and ask them to provide written confirmation of your no claim bonus.(back to top)
Can I Use My No Claim Bonus For A Second Vehicle?
No. You must accumulate another no claim bonus for a second vehicle. Some insurers may offer a discount on a policy for a second vehicle if you already hold a car insurance policy with them. (back to top)
How Do I Prove My No Claim Bonus?
Your latest renewal notice from your insurer should confirm your name, policy number, number of years no claim bonus and expiry date. If you are unsure, contact your last car insurance company and ask them to provide evidence of your no claim bonus. (back to top)
Is It True That I Am Not Covered By My Car Insurance If I Leave My Keys In The Vehicle?
This is true. Your car insurance will not cover you if you leave your keys in your car and it is stolen, even if you only leave it for a few minutes. (back to top)
Will My Car Insurance Allow Me to Drive Other People’s Cars?
Car insurance policies have historically only allowed policyholders to drive vehicles that do not belong to them, and are not hired to them under a hire purchase agreement, subject to the vehicle owner’s permission. The cover is usually Third Party only which covers injury and damage to third parties but not damage to the vehicle you are driving. This cover was designed to be used in emergency situations only. If in doubt, always check with your insurer who should be able to add a temporary additional vehicle or additional driver to your car insurance policy. (back to top) |
