Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.
In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.
Existing customers: Please don’t phone unless it’s absolutely necessary.
We need to prioritise:
- Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
- Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.
If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.
For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.
One factor that influences your insurance premium is the insurance group that your car falls into. One model can be spread across a number of groups depending on its exact specification and features. So don’t assume that the same make and model will always be in the same car insurance group.
Some of the factors used to calculate car insurance group ratings are:
- Cost of parts
The lower the cost of parts to repair a car, the more likelihood there is of a lower group rating.
- Repair times
The longer it takes to repair a car, the more it costs and it’s more likely to fall in a higher car insurance group.
- New car values
Cars with a higher specification cost more to buy as new.
Acceleration and top speed are important factors. Our claims statistics show that high performance cars result in more frequent insurance claims.
Alarms, immobilisers and locking devices fitted as standard by motor manufacturers can help to reduce the cost of insurance claims.