Frequently Asked Questions (FAQ's)

Find answers to commonly asked questions about car insurance.

How is my car insurance premium calculated?

The amount you pay for insurance depends on many factors including the type of cover and options you choose, the type of vehicle and where it is garaged, the drivers of your vehicle, including their age, driving and insurance record.

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What is a no claim discount?

A No Claim Discount is a discount off your premium. It is calculated based on your insurance or driving record. The discount increases each year to a set maximum if you do not make a claim that affects your discount.

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What is an agreed value?

The amount the insurer agrees to insure your vehicle for. This amount is normally shown on your current certificate of insurance.

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Can I have an agreed value policy?

Comprehensive car insurance offers an agreed value for most types and uses of vehicles, ask us for a quote.

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Do I need to list all drivers on my car insurance?

All drivers who you expect will drive your vehicle should be listed, although this is not compulsory. Listing drivers may affect your premium, excess, policy coverage and the decision to insure you. Failing to list a driver may result in additional excesses, a reduction or refusal of a claim.

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For how long is my quote valid?

Your quote is valid for 7 days. You can apply for insurance any time within this period.

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