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.
In the UK, it is a legal requirement for all cars being driven to have a car insurance policy. There are two types of policy available – third party fire and theft and comprehensive. Your car insurance certificate provides proof that you are legally covered to drive your car, so it should always be kept in a safe place.
If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another persons car (with their permission) on a third party only basis. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance Certificate before you drive someone else’s car.
Driving without car insurance in the UK is a criminal offence and carries a maximum fine of £5,000 and six to eight penalty points on your driving licence. In some cases, it can even result in a driving ban.
How car insurance premiums are calculated
Insurance companies use a combination of factors to set the cost of your car insurance such as:
- Your age
- The number of years you’ve been driving
- Your address
- The make and model of car you drive
All these factors are used to ensure that everyone pays a fair price for their car insurance.