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.
Help Category: My cover
- 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.
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.
We encourage and reward safe driving. Whilst we will not fine you, please be aware that dangerous driving could prevent you from getting a premium discount at renewal. Persistent or excessive speeding can also lead to cancellation of the policy – for further information, please refer to your Private Car Policy Document in Your Portal.
We can suspend your agreement for a maximum of 7 days. As soon as we take the payment your instalment plan will continue as normal, so you need to be aware that you may need to make two payments in one calendar month. We will only suspend your agreement once. Any further problems with payment will lead to your policy being cancelled.
Yes, you can park your car at a different address to the one registered on the policy but the address registered on the policy must be where the car is normally kept overnight.
Remember that it is a condition of your policy that you confirm the address where your car is normally kept overnight. If we can show (using the data from your black box) that you are regularly parking somewhere else, we will contact you and the policy could be cancelled.
The cost of the black box and its fitting is included in your premium.
However, if your policy is cancelled and a black box has already been fitted to your car, or had been fitted to a car you previously insured with us, you will have to pay an administration fee of £80.
Insurance Premium Tax will be charged at the appropriate rate.
No – we don’t provide cover for cars that have been modified (other than by the manufacturer or for a disability). Please contact us if you’re unsure whether a particular alteration to your car is classed as a modification.