FAQ

General Policy Questions

1. What types of car insurance are available in the UK?

There are three main types: 

  • Third Party Only – Covers damage to other vehicles and injuries to others, but not your own car. 
  • Third Party, Fire and Theft – Adds cover for your car if it’s stolen or damaged by fire. 
  • Comprehensive – Includes all of the above, plus accidental damage to your own vehicle. 

Yes. It is a legal requirement to have at least Third Party Only car insurance if you drive or park a vehicle on public roads. 

  • Third Party Only: Minimum legal cover. 
  • Third Party, Fire and Theft: Adds cover for fire damage or theft of your car. 
  • Comprehensive: Covers accidental damage to your car, regardless of who’s at fault. 

Quotes & Purchasing

Premiums are based on factors like your: 

  • Age and driving history 
  • Car make and model 
  • Postcode 
  • Annual mileage 
  • Type of cover 
  • No-claims discount (NCD) 
  • Occupation and usage of the vehicle 
  • As an independent advisors, we compare a wide panel of insurers across the market to secure the most competitive quote tailored to your needs. 
  • It’s a discount applied to your premium for every year you don’t make a claim. The more claim-free years you have, the bigger the discount—sometimes up to 70%. 
  • Yes, most policies allow you to add named drivers. Their age, driving record, and claims history can affect your premium. 

Policy Management

You can usually update your policy through your online account or by contacting customer service. Changes may affect your premium. 

As an independent advisors, we compare a wide panel of insurers across the market to secure the most competitive quote tailored to your needs. 

  • You’ll get a renewal notice a few weeks before your policy ends. You can choose to renew automatically, manually, or switch providers. 

Claims and Accidents

Call your insurer’s claims line as soon as possible. Provide your policy number, accident details, and any third-party info. Many insurers also offer online claims services. 

Yes. Making a claim—especially if you’re at fault—can increase your premium and may affect your No-Claims Discount unless it’s protected. 

  • Make sure everyone is safe 
  • Exchange details with other parties involved 
  • Take photos if safe to do so 
  • Notify your insurer as soon as possible 

Legal and Documentation

It’s proof that you’re legally insured to drive your car. You’ll receive it when your policy starts or renews. 

The MID is a national record of all insured vehicles. Police use it to check if a car is insured. 

Many UK insurers provide basic EU cover, often for up to 90 days. Some policies may require a Green Card or additional fees for extended cover. 

Payment & Discounts

Yes. Paying annually is often cheaper, while monthly payments help spread the cost but may include interest. 

It’s the amount you agree to pay toward a claim. There’s usually a compulsory and an optional voluntary excess. 

Some insurers offer telematics (black box) or low-mileage discounts. Always ask or check when getting a quote. 

Special Circumstances

Yes. In fact, fully comprehensive cover is often required by the lease or finance provider. 

Yes. Some insurers offer specialist policies for learner drivers, while others insure provisional licence holders on a short-term or annual basis.