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Frequently Asked Questions

We try to make everything about van insurance a little clearer, so we've put together the answers to the questions we get asked the most. Enjoy!

Vehicle & Options

What do I need to apply for an insurance quote?

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 last 5 years
  • Details of any other drivers including their licence details
What if I can't find my vehicle's make & model by its registration number?

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

Can I get a quote if I do not have the registration number available?

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

What does "excess" means?

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.

What are uninsured losses?

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.

What does "uninsured loss recovery" mean?

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.

If I take out comprehensive insurance, can other people drive my car when they are not named on my policy?

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

Can I temporarily add a driver to my insurance policy?

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

No Claims Bonus (NCB) Questions

What is No Claims Bonus (NCB)?

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.

What's The Average No Claims Discount On Private Car?

The table shows the Private Car discount awarded for each year of No Claims Bonus in 2019

NCBWeighted Average

CMA declaration Feb 2020

What is 'Protected No claims Bonus'?

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.

Can a No Claims Bonus (NCB) be applied to more than one car?

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

What No Claims Bonus (NCB) proof do we accept?

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


How secure are my personal details & credit/debit cards on your site?

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

Claims & Convictions

Multi-Year Insurance

What is a Multi-Year Insurance policy?

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.

Am I eligible for a Multi-Year Insurance policy?

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