|
· Can I get immediate
insurance cover?
· Does my insurance
policy cover me abroad?
· Does my insurance
policy cover me to drive other cars?
· What does No Claims
Bonus mean?
· What is an Excess?
· What happens to my
insurance if my vehicle is modified?
· What happens to my
insurance if my vehicle is imported?
· Can I pay for my
insurance by instalments?
· I have previously been
driving a company car, does this count towards my own insurance?
· What happens to my
insurance if I have a disability or medical condition?
· What do the different
levels of insurance cover me for?
· What are classed as
fault and none fault Insurance claims by insurers?
· What is protected no
claims bonus?
· What can I do to make
my insurance premium cheaper?
·
Why did my no claims bonus go from 15yrs to 2yrs?
If your question has not been answered or you
are unsure of anything, please do not hesitate to contact us on 0116 283 2049 and we will be more than
happy to answer your Insurance query.
Answers
Can I get
immediate insurance cover?
If you are able to pay by debit or credit card
then immediate insurance cover can by arranged by calling 0116 283 2049.
Does my insurance
policy cover me abroad?
Most insurance policies now cover you, free of
charge, to drive in any EEC country under that countries
minimum insurance requirements. Please be aware that this Insurance
cover is usually minimal. The equivalent cover in the UK would be
THIRD PARTY ONLY. To obtain the equivalent insurance
cover that you hold in the United Kingdom or insurance cover outside
of the EEC, please call 0116 283 2049 for
further details and additional charges.
Does my insurance
policy cover me to drive other cars?
The driving other cars extension to your car
insurance cover differs with each insurer and each individuals
circumstances. If this Insurance cover is granted by a particular
insurer, Insurance cover on the other vehicle is restricted to Third
Party Only. To find out if you are entitled to this extension check
your insurance certificate. Details will be shown on this under
permissions. If still not sure please
call 0116 283 2049.
What does No
Claims Bonus mean?
No Claims Bonus represents the number of years
which the Insurance proposer has held an insurance policy without
making an Insurance claim or having an Insurance claim against you.
Any No Claims Bonus you have earned can only be used on one insurance
policy at any one time.
What is an
Excess?
An excess is an amount you pay as a
contribution to the first part of each and every Insurance claim made
against your insurance policy for your own damage. Some excesses also
require payment for damage to a third party. The two main types are
:-
compulsory excess. This is an excess imposed by the insurer. Instances
of this type might be model of vehicle, drivers age, drivers driving
experience. The second type :- Voluntary excess. This is an
agreed contribution you wish to make towards damage to your vehicle. Generally the
higher the voluntary excess agreed, the cheaper your insurance
premium becomes. A voluntary excess is always in addition to any
Compulsory excess imposed. So, £100 voluntary with £150 compulsory
gives a total excess applicable of £250.00.
What happens to
my insurance if my vehicle is modified?
Modifications that alter the appearance,
performance or value of your vehicle, maybe acceptable, however, you
will need to refer these to us on individual basis. Please call 0116 283 2049.
What happens to
my insurance if my vehicle is imported?
Imported vehicles can be covered,
however you will need to refer each case to us where we will look at
the risk on its own individual merits. Please call 0116 283 2049.
Can I pay for my
insurance by instalments?
Yes, you can pay for your insurance via
instalments. Please contact us for full details
on 0116 283 2049.
I was previously
driving a company car, does this count towards my own insurance?
Yes. Some insurers do allow a discount based on
your company car experience. So 5 years claim free driving a company
car they would allow 5 years no claims bonus in your own name.
What happens
to my insurance if I have a disability or medical condition?
Certain medical conditions or disabilities that
can affect your ability to drive must referred to the DVLA to find
out more you can visit their website at
dvla.gov.uk.
These may have an impact on your insurance policy however, most
insurers don't discriminate for medical conditions.
What do the
different levels of insurance cover me for?
There are three different levels of
Insurance cover available for motor insurance these being:
- Third
Party Insurance Only
- This the most basic level of
insurance cover available and covers you for third party death,
third party injury and third party property damage.
- Third
Party Fire & Theft Insurance - This insurance
covers all of the above plus fire, theft cover.
- Comprehensive
Insurance
- This insurance covers both of the above plus accidental damage
to your own vehicle, some insurance contents cover may be
included. You may also be covered for personal injury (subject
to insurance policy conditions), and glass cover.
What are
classed as fault and none fault Insurance claims by insurers?
A none fault Insurance claim is an Insurance claim whereby your insurer is able to
recover their costs from a third party. A fault claim is any claim
whereby your insurers are unable to recover their costs from another
party. Remember, you earn a NO CLAIMS bonus not a NO BLAME bonus and
therefore even though you may feel you are not to blame e.g. THEFT of
your vehicle, HIT AND RUN DRIVER these are still classed as a fault
claim as your insurer maybe unable to recover their costs from anyone.
What is
protected no claims Insurance bonus?
This is a additional
extension to your Insurance policy whereby your insurer will allow
you to make a certain number of fault claims in a set period without
these claims affecting your no claims bonus.
What can I do
to make my insurance premium cheaper?
The following criteria can all help to make it
easier to obtain cheaper insurance:
1.
Adding a voluntary excess to your insurance policy
2.
Restricting the number and age of drivers included on
your Insurance policy
3.
Adding a driver can reduce the premiums
4.
Adding security to your vehicle e.g. fitting a
recognised immobiliser or alarm system
5. If you have access to a garage using it for your
vehicle in cheaper insurance premiums plus terms.
|
