FAQ's
We are often asked particular questions more than others. To help our customers we have compiled the "Frequesntly Asked Questions" section below. If however, your question is left unaswered or you want further clarification please don't hesitate to get in touch and our helpful and experienced staff will be more than happy to help you.
Frequently Asked Questions
- Motors
Can you offer an 'any driver' policy?
Very few insurance companies now offer 'any driver' policies. However, you can input details on our website for the insured driver and up to four named drivers. Do you do multi-car policies?
There are insurance companies who provide multi-car or two car policies but we don't have anyone on our panel at the moment who offer this cover via our website I don't know the cost of my claim, what should I enter?
We don't need the exact cost, an estimate to the best of your knowledge is acceptable. If you prefer to input an accurate figure, you will need contact the insurance company you were with when you made the claim and ask them for the exact costs. What is the best car for a young driver?
There is no definitive 'best' first car, as every insurance company has their own set of rules when working out how much to charge for car insurance. However, we can give you a few tips to help you get a better car insurance deal. 1. Get a car with a small engine, for example a 1.1 litre rather than a 1.6 litre, which is normally in a lower insurance group rating. You’ll also tend to pay less road tax for a small engine car. 2. Stick to a basic or mid range specification car as these usually have a lower insurance group rating and avoid any performance models e.g. GTI, SXI, Sport. 3. Avoid any modifications (upgrades to enhance styling, audio or performance), not only are modified vehicles more attractive to car thieves, they tend to be more expensive to fix and can increase your level of risk and premium. 4. Add a second driver (named driver) to the policy, over the age of 25 with a clean license. Parents are usually a good idea and with women being cheaper to insure than men, mums are usually best! 5. Get a Pass Plus certificate. Lots of insurance companies offer discounts to new driver who participate in the scheme. 6. Increase your voluntary excess. Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance policy. Why do you ask about non-motoring convictions?
It's standard for most insurance companies to ask the question about non-motoring convictions. It gives an indication of the moral hazard/risk of the insured. For example, if a driver had been found guilty of dishonesty, fraud or theft then the insurance company is less likely to accept them as a policyholder because of this or will charge more for a policy. We don't ask for the specific details of the non-motoring conviction as there are too many to choose from and they are constantly changing, instead we just ask if you have a non-motoring conviction. Please note: Spent convictions don't need to be disclosed under the Rehabilitation of Offenders Act 1974. - General
more coming soon
I will have more in here soon! Where are my policy documents?
Your documents should be sent to you by post directly from the insurance company you choose. These are normally dispatched the next working day but can take up to seven days to arrive. If you have still not received your documentation within seven days, please contact the insurance company directly and they will be able to assist you further. - Homes
How do I calculate the re-build cost of my property?
Please use the following link to help with the rebuild costs: http://abi.bcis.co.uk/ You could also take a look at your most recent home Insurance schedule or the surveyor's report you would have received if you have recently purchased the property. I don't know the value of my household contents, how do I get this?
If you are unsure of your contents value, it may be a good idea to go to each room and note the approximate value of items and then add them all together to get to a total figure for your household. Don't forget to include carpets, curtains/blinds and items that may be in cupboards or drawers. I don't know what locks I have
We appreciate that you may not know the exact locks you have in your property. On close inspection of the lock it should become clear the type of lock you have as this information is normally stamped on the lock mechanism on the side of the door. My property is unoccupied can I still get a quote?
Yes, just visit our home insurance section here
