Frequently asked questions and other information

Price isn’t the only factor to consider!

Remember that the cheapest policy is not always the best one if you don’t have the right cover for you. Make sure you have everything you need – like cover for driving abroad or breakdown cover!

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What do you need to look out for?

What type of insurance cover do you require? Comprehensive will cost more but is that what you really need? Always take care with policies to ensure you have everything you need. Have you built up a large no claims bonus? It’s taken a while to build up so do you want to protect it? Make sure you research the difference in costs and check you’ve all the information you need to make an informed decision. Do you require legal protection? How will you afford legal representation if you are in an accident and need to recover an uninsured loss or if someone makes a claim against you how will you cover legal bills? What will you do if you breakdown in the middle of the night? Have you already got cover or someone you can call on? If your car is off the roads for any length of time how will you get to work or carry out your weekly shop? Without a courtesy car inclusion in your policy will you be able to get about on public transport? Excess? Before your insurer pays out in a claim they will deduct the amount of excess agreed in your policy. Agreeing to pay a larger amount may mean that your premium is less but make sure you won’t be left struggling with your bills if the unexpected happens. Purchase online? Most insurers give a discount for any policies purchased online. Always read the small print and check your documents thoroughly when they come through!

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Different insurers seem to charge different premiums – why is this?

Dependant on the insurer different risk assessments are applied to a persons quote. Some insurance providers specialise in certain types of people - like Saga who cover the over 50s market. Strangely a quote can vary on the time of day that you search as some companies may decide that they have filled thir quotas of one particular type of business – e.g. 20 year old students and the price will go up for the rest of the day! So to be sure you have the best quote always shop around and compare lots of quotes!

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What should I do if I’m involved in an accident?.

Get as much information as possible Can always return to the scene afterwards to gather information (make sure you return whilst it’s still fresh in your mind) Get full details of all involved in accident including driver/s, passengers, pedestrians - even jot down descriptions Get address, contact tel numbers, insurer, employer Car make & model, colour and registration Where they using indicator’s or headlights Time, Date & Location of accident Conditions of road, weather, visibility, street lighting etc Damage to vehicles Injury to passengers If you have a camera – take photos A full description of what occurred Sketch vehicle positions Speed of vehicles If there’s an injury or damage to property you must give your details – it is an offence not to! All accidents must be reported to the police within 24 hours Contact your insurance company ASAP. Your policy will state the time period that you have to report it – failing to report it to your insurer in the agreed time may lead to your insurance becoming void

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When can I make a claim?

This will always depend on what your insurance policy covers you for but a good rule of thumb is:

If your are not responsible for an accident you can make a claim If you were to blame but you have a comprehensive policy you are also able to make a claim Car damage through – Theft, fire damage or vandals can also be claimed for. Non recovery after a theft

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What can be claimed for?

Again your level of cover will determine this and you will need to deduct any excess but in general:

Vehicle and property damage Loss of earnings Personal Injury Transport costs

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If you are involved in an accident with an uninsured driver, what should you do?

Even if the accident was not your fault a claim will affect your no claims bonus if you have comprehensive cover. Also inform the Police of any accident you are involved in. Visit the Motor Insurers Bureau at www.mib.org.uk for more information.

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