Help Tag: Premium

Does my score affect my renewal premium?

Yes – after the initial 3 months you will continue to receive a rating for every journey as well as an overall drive like a girl score.

Your drive like a girl score will be a significant factor when we calculate your renewal premium. If you have consistently driven ‘like a girl’, you could receive an additional discount when you renew.

We recommend that you visit Your Portal at least once a month to help you drive safely and receive the maximum score throughout the year.

If my score is 0 will you put my premium up?

No – not during the policy term. Unless your circumstances change the premium agreed at the beginning of each policy year is the premium you will pay for that year. However a 0 score may impact on the price you receive when you renew your policy at the end of the year.

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Can I pay for my premium with a credit card other than my own?

Yes – it is possible for someone else to pay on your behalf, but only when paying your premium in full. This is not possible for monthly instalments.

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If I move house will the cost of my premium change?

Your address is one of the most important factors that we use to work out your level of risk, so if you move house, the price of your premium could go up or down.

You must tell us straight away about any changes that may affect your policy so if you do move house please call us on 0330 022 0200 or speak to one of our agents on Live Chat via Your Portal so we can process this change on our system and let you know of any premium changes.

Please note: there is a £25 fee if you change the address on your policy. Fees will be subject to Insurance Premium Tax where applicable

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Why has my mid-term adjustment made my premium more expensive?

The new price of your premium is based on the information you have provided, including your car, age, occupation, driving experience and where you live. When details about you or your car change, they alter our rating factors and therefore can result in an increase or decrease in premium price. It may be possible to reduce the price of your annual premium by increasing your voluntary excess. If you would like to do this, or require more information, please call Customer Service on 0330 022 0200.

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Will the way I drive affect my renewal premium?

Yes – we will take into account your drive like a girl score when we calculate the price of your renewal premium. The better your drive like a girl score at the end of the year the more likely you are to see reductions in your premium at renewal. This will depend on the information collected from the black box in your car; you will be able to see how you’re doing by logging into Your Portal.

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Why is the insurance premium more expensive than the value of my car?

When you take out an insurance policy you are not just protecting your own car. We also need to consider the potential cost of personal injury and damage to other cars or property in the event of you being involved in an accident.

Please note that you also get some great benefits included in your policy. Your policy includes handbag cover, Get you home cover* and misfueling cover as standard. You also get a UK Claims line available 24/7, 30 days’ EU Cover, personal accident cover, Accident Alert and theft recovery included with your policy. Please see your policy documents for more information.

*We will pay all reasonable expenses up to a maximum of £50 to help you and your passengers get home, or complete your journey following a claim on your policy.

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How do you calculate the price of my premium?

In order to calculate the initial price of your insurance premium, we use a standard set of rating factors to assess risk. These include your car, age, occupation, driving experience, where you live and any past convictions. drive like a girl is different to traditional car insurance because we fit a telematics box to your car that measures how you drive. This lets you prove to us that you ‘drive like a girl’ – if you do, you could get a discount after three months plus further savings at renewal.

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