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Car Insurance FAQ

  1. How much is first time car insurance?
  2. What is the difference between comprehensive and third party fire and theft insurance?
  3. I am trying to get a quote but your database will not recognise my address. What should I do?
  4. If I am buying a new car – how do I transfer my existing policy over to the new vehicle?
  5. Why couldn’t my vehicle registration number be found in your database?
  6. Why am I being asked for a security code to enable me to get a car insurance quotation?
  7. Why did I receive a message saying that you are unable to provide me with an on-line quote?
  8. If I have a foreign licence, how do I get a quote from you?
  9. Can I receive an on-line quote if I do not have a registration number yet?
  10. Why do I get an error regarding the value of my vehicle?
  11. Are my spouse and I covered for our business use with our Privilege policy?
  12. My partner has a provisional licence – how will this affect the quote?
  13. How do I add a driver to my car insurance policy?
  14. How do I get the Pass Plus discount?
  15. Do you insure motorbikes/caravans/boat/commercial vehicles?
  16. Why can I not receive an on-line car insurance quote if I work in the entertainment industry?
  17. Will the policy be affected if I have my car windows tinted?
  18. If I have a motoring conviction i.e. fixed penalty endorsement or driving ban will it effect my premium?
  19. What does ‘partner’ mean in relation to adding an additional driver to my quote or policy?
  20. What does ‘other’ mean in relation to adding an additional driver to my quote or policy?
  21. What does ‘other’ mean in relation to adding an additional driver to my quote or policy?

 


How much is first time car insurance?

This would depend on your driving history, address, type of vehicle etc. To obtain a quote please go to the home page and obtain a free quote for new car insurance drivers section of our website.

What is the difference between comprehensive and third party fire and theft insurance?

  1. Comprehensive (Fully Comp) This covers the policyholder for all third party risks and accidental damage to the insured vehicle. It also covers for items like personal accident/injury, death of policyholder, medical expenses, personal effects, in-car entertainment and windscreen.
  2. Third Party Fire and Theft (TPFT) This covers for all third party liabilities and fire or theft of the insured vehicle. It also covers for things like attempted theft and in car entertainment.
  3. Third Party Only (TPO) As the name suggests this only covers for liabilities to third parties.

I am trying to get a quote but your database will not recognise my address. What should I do?

Our system relies on a house name or number, and full postcode, which we check via the Royal Mail registered address listings. Our database is updated every six months and should therefore be able to recognize your address. We are aware that there are a small number of properties, which, for a variety of reasons, do not appear on our site. We are currently working to eliminate this problem. If you require a quote urgently, then please click the quote link on our website now.

If I am buying a new car, how do I transfer my existing policy over to the new vehicle?

As an existing customer you would only need to call our motor department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you. Please contact us.

Why couldn’t my vehicle registration number be found in your database?

In most cases a customer only has to enter their registration number on the first page and our system will find the exact vehicle details without having to go through the vehicle selection screens. Where our system cannot find the registration number (normally on very new cars that are only just registered) or the customer doesn’t know the registration number (they may be looking to buy a new car) they are taken through selection screens that drill down through the manufacturer, model and year to a give a short list of vehicles that can then be selected from.

The Get Premium button then takes you to the premium page. Once you get to the Premium page we do display the details that you have entered at the top of the screen (name, address, date of birth, vehicle type) so that the customer can confirm the details and press AMEND if something needs to be changed. On the premium page you can change the level of cover, voluntary excess and add and remove other benefits until the exact cover is reached.

Why am I being asked for a security code to enable me to get a car insurance quotation?

Typing in the numbers from a picture helps to ensure that a person – rather than an automated program – is completing the application form. This is important because harmful programs can be used to complete large numbers of application forms. This causes problems for other users as they slow the website down.

In most cases, an automated application program can’t recognize the characters in the picture. This gives our users an added level of security and ensures that we offer you the very best customer experience.

Why did I receive a message saying that you are unable to provide me with an on-line quote?

Our on-line system is designed to be as quick and simple as possible and cater for the vast majority of customers. We have reduced the number of questions that are asked to a minimum: a few personal details and the registration number for a car or breakdown insurance quote. We will occasionally need to ask some customers additional questions and clarify answers to provide cover.

This could be due to the type of vehicle, customer age, occupation, the address or indeed various combinations of these factors. For this reason the website is fully integrated with our call-centres, enabling customers to simply contact our highly trained and efficient tele-sales operators for further assistance if required. With the details that you provided we are unable to provide an on-line quote because we need to ask additional questions, hence the message asking you to call us for a quote.

If I have a foreign licence, how do I get a quote from you?

Our site is only designed to give quotations for drivers with a valid UK/EU licence, however Privilege may be able to offer a quote to a foreign licence holder over the telephone, therefore please arrange to call us.

Can I receive an on-line quote if I do not have a registration number yet?

You are able to obtain a quotation without the registration number. Please fill the relevant fields surrounding this question. Once these are filled in please click on get premium button, which then prompt you to choose the car details.

Why do I get an error regarding the value of my vehicle?

Please insert the value of your car to the nearest £1000. If the value of the car is inserted with a pound sign or a comma then an error message appears. Therefore please enter the price only with no symbols.

Are my spouse and I covered for our business use with our Privilege policy?

As long as you agreed this with us when you took out the policy, and you use your car in accordance with the section called “limitations as to use” on the Certificate of Motor Insurance, you should be covered.

My partner has a provisional licence – how will this affect the quote?

A drivers licence type and experience is used as a rating factor, therefore someone with a full UK driving licence held for a number of years would pay less than someone with a UK provisional licence, assuming all other factors were the same. The internet does take note of licence type and how long held.

How do I add a driver to my car insurance policy?

Give your insurer a call with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.

How do I get the Pass Plus discount?

The pass plus discount is not available on-line, the reason being is before we can offer this discount we do need to check that you meet all criteria. Please call us for a quote.

Do you insure motorbikes/caravans/boat/commercial vehicles?

Motorbikes are available on breakdown cover. We do not cover static caravans on either motor insurance. We do not offer cover to building and contents. Motor does offer cover for motor-homes/caravanettes up to 3 litres. Boats – no cover whatsoever. Commercial vehicles – whilst we do cover vans, we do not offer commercial policies, therefore we recommend a commercial insurer to give you the correct cover.

Why can I not receive an on-line car insurance quote if I work in the entertainment industry?

We are not saying we do not want to offer cover to people within entertainment, its so that we may refer the risk to our underwriters – something the on-line system cannot do. As I’m sure you can appreciate, to avoid potential errors we ask anyone in the entertainment industry to call us.

Will the policy be affected if I have my car windows tinted?

If the tint is to the manufacturers standard specification and the work carried out by the manufacturer we have no problem. Anything else, please call us.

If I have a motoring conviction i.e. fixed penalty endorsement or driving ban will it effect my premium?

Privilege will be taking your driving history into consideration, therefore we do need to know your licence history. If you have convictions, endorsements or bans on your licence this effects the risk, which will have a knock on effect on your premium.

What does ‘partner’ mean in relation to adding an additional driver to my quote or policy?

If you add an additional driver to your quote or policy, select ‘partner’ if you (the insured) and the additional driver are a couple, living together, but are not married or have not had a civil partnership ceremony.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.

What does ‘spouse’ mean in relation to adding an additional driver to my quote or policy?

If you add an additional driver to your quote or policy, select ‘spouse’ if you (the insured) and the additional driver are legally married or have had a civil partnership ceremony.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.

What does ‘other’ mean in relation to adding an additional driver to my quote or policy?

If you add an additional driver to your quote or policy, select ‘other’ if the additional driver is not your:

  • Partner: a couple, living together, but are not married or have not had a civil partnership ceremony;
  • Spouse: legally married or have had a civil partnership ceremony.

Examples of ‘other’ additional drivers may include your (the insured) son, daughter, cousin or friend.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.

 


The content of this website is for information purposes only and does not constitute any sort of advice. While we take every care to ensure the information we provide is accurate and up-to-date, please always check with the provider before committing yourself. The website and articles featured here provide links to third party websites. Cheapcarinsurancex.org and associated companies take no responsibility for the content of these third party sites. This information is for use by UK individuals only.

Our service is free to you but to operate this service we may receive commissions from the providers or brokers that we work with.

Cheapcarinsurancex.org is an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FSA, number 313860. View the registration details at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135.

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