Vehicle Insurance FAQs

Before you give us a call, make sure you have these things to hand:

Vehicle details (make, model, reg number, etc). Your full address & postcode. Your driving licence. Number of years of No-Claims Bonus (NCB). Claims & convictions details (if any) for the past 5 years. Details of any other drivers including their licence details.

You can enter the vehicle's year of manufacture, make & model instead.

Yes, you can, but we will need this info if you decide to purchase a policy

It's what you need to pay if you make a claim. For example, if you have a £100 excess on your policy then you pay the first £100 of the claim you make.

These include your policy excess, loss of earnings, vehicle hire charges, personal injury damages (such as compensation for whiplash). Other losses may include vehicle repair costs (if third party cover), medical fees, compensation for the loss of use of your vehicle, damage to personal belongings, vehicle recovery, storage charges & out of pocket expenses.

Even if an accident is not your fault, no insurance policy will cover ALL your losses – these are known as uninsured losses. Our Legal cover, however, can provide uninsured loss recovery and legal expenses up to £100,000.

No, cover is provided for the vehicle shown in your motor insurance certificate only & the named drivers on the policy.

Yes – subject to the insurer's terms & conditions.

This is the number of years you have been insured & not made a claim. You need proof of NCB when you purchase a new policy.

Vanarama Insurance Services confirms that during the report period of 1st January 2022 to 31st December 2022 for this Annual PMI Compliance Statement, that Autorama UK Ltd has complied with The Private Motor Insurance Order 2015 (the Order).

The Average NCB Discounts that Autorama UK Ltd can make available to our customers, from 1 February 2023 in the NCB Protection Information is listed below:

PMI Provider: Autorama UK Ltd Table of Weighted NCB Discount Private Car

NCB Years Weighted NCB Discount Awarded 0 0% 1 20% 2 24% 3 41% 4 55% 5 64% 6 61% 7 64% 8 62% 9 63% M 52%

If you decide to take protection out on your no claims bonus (NCB), you will be able to make a certain number of claims before your number of NCB years falls. Please refer to your policy wording for full details. NCB protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Yes, we can accept a No Claims Bonus earned on another vehicle.

A renewal notice, policy schedule or letter from the previous insurance company is fine by us.

This site uses the latest technology to ensure that your payment details are secure. Take a look at our terms & conditions for more info.

No.

It's a guaranteed fixed premium per year for your whole lease. This means that if you don't have any accidents, driving endorsements, or make any changes to your cover, we can guarantee your premium will stay the same EVERY year. This excludes any changes in tax rates that the government might make.

Over 50% of people could get one tomorrow! Give us a call on 01442 838173 to find out if you're one of them.

Our insurers require us to check that customers have provided correct information governing their driving licence, their claims history and their no claims bonus. We validate your claims history against an insurer database called the Claims Underwriting Exchange (CUE), by running a look up only search for your name, date of birth and post code. We need your help is providing us with a copy of your driving licence, your MyLicence record from the DVLA and proof of your No claims Bonus.

It is a condition of your insurance policy to provide this information to us. Our insurers require us to cancel your policy on their behalf. We will provide you with how you can provide the required information to us by email or post; and we will remind you and tell you of any risk of cancellation before we remove your cover.