Help Category: My cover

Can I have a policy with you if I have convictions?

There are a number of factors that influence getting a policy with us. We may provide a quote for drivers with motoring convictions, but not unspent non-motoring convictions.

Please contact us on Live Chat if any driver on your policy receives a conviction so that we can update your details and advise if this affects your policy.

How do I get my black box fitted?

Our specialist team at RS Connect will contact you within 5 working days of your policy start date to arrange for the black box to be fitted to your car. They will visit your home or place of work or study between Monday and Friday at a day and time suitable to you – some Saturday appointments might be available.

You are insured from the moment you buy your policy but please note that if we’re not able to fit the black box within 14 days of your policy start date, we reserve the right to cancel your policy. We will give you 7 days’ notice in writing as described in your Private Car Policy Document.

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Does speeding impact my insurance premium or renewal?

If you persistently and/or excessively speed, you won’t benefit from the rewards offered by us, including monthly Reward Points and a potential discount at renewal. We might not be able to offer you renewal, or as stated on page 8 of your Private Car Policy, we might cancel your policy for persistent or excessive speeding.

In the event that your policy is cancelled, please note that neither drive like a girl nor any other Insure The Box administered product will be prepared to arrange insurance for you in the future. You will be obliged to inform any future insurance providers that we have enforced the cancellation of this policy.

What information can the black box tell you?

The black box monitors a number of driving related factors, such as mileage, speed, the time of day and the location of your car. It records any sudden impacts on the car, monitoring heavy braking or harsh acceleration. We’ll post a summary of your driving data in Your Portal, where you’ll also be able to see Reward Points awarded to you for safe driving behaviour.

Please note that we’re aware that occasionally you have no alternative but to use your brakes severely to avoid an accident; occasional use of “hard” braking will not be scored against you. We look at a number of factors to give an overall assessment of driving.

How do I buy Top Up Miles?

You can buy Top Up Miles in Your Portal. The price of your Top Up Miles depends on your premium – this is called your cost per mile rate and it was set when you took out your policy, changed your details, or when you renewed.

You can buy Top Up Miles online in bundles of 250, 500, 1,000 or 2,000 miles at any time during your policy. Alternatively, you can buy a set amount of miles by calling us on 0330 022 1000.

Unused Policy Miles cannot be refunded but any remaining Top Up Miles will roll over to the following year when you renew.

Will I get a discount if I have a Pass Plus?

Yes, we give a discount for Pass Plus. When you get your quote online, select Pass Plus on the ‘Do you have any additional driving qualifications?’, or inform the Customer Service advisor if you’re calling in. Please note: you will need to provide us with a copy of your Pass Plus Certificate.

Do you inform the police or other authorities about speeding instances?

While we encourage safe driving and advise you to drive at a speed that is appropriate for the road and driving conditions, we won’t inform the police if you drive over the speed limit. We won’t release your driving information to any authorities unless we have your permission or we are required to do so by law, or we suspect fraud or attempted fraud.

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Can other people drive my car?

Only if:

  • They are a named driver on your policy, or
  • Their own insurance policy includes cover for driving other cars.

If someone, who is not a named driver on your policy has an accident while driving your car, they will need to claim on their own insurance policy.

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Am I covered to drive other cars?

No – our policies don’t cover you to drive other cars, other than a courtesy car provided to you under the approved repairer scheme, if your car is damaged following an insured loss. Full details of your cover can be found in your Car Insurance Schedule in Your Portal.

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Am I insured to drive abroad?

You will be insured to drive anywhere in the European Union or associated countries for up to 90 days for any one trip. We recommend that you make sure you have enough miles to cover your trip and buy Top Up Miles, if necessary, before leaving.

If the United Kingdom leaves the EU, you may need a Green Card in addition to your Certificate of Motor Insurance to evidence you hold the minimum compulsory insurance.

Please note: courtesy cars are not available abroad and repairs undertaken abroad are not guaranteed as they’re not carried out by our approved network of repairers. Please refer to your Private Car Policy Document in Your Portal for details.

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