The Policy Shop

Car Insurance FAQs

Purchasing a Policy

  1. Can I purchase car insurance on your website?
  2. When I’ve purchased my policy, is cover immediate?
  3. If I don’t purchase a policy, can I retrieve my saved quotes?
  4. How old do I need to be to get an online quotation from your website?
  5. Can I receive an online quote if I do not have a registration number yet?
  6. I’m unsure about which specific model car I have - what should I do?
  7. I’ve had claims and/or convictions in the last 5 years. Can I still get a quote online?
  8. I have a provisional license. Can I still get a quote from you?
  9. When will I receive my insurance documents?
  10. What do I need to return to you as proof of my no claims discount?
Cover
  1. What is no claims bonus?
  2. What is protected no claims bonus?
  3. What is the difference between comprehensive and third party fire and theft insurance?
  4. What is an excess?
  5. What types of excess are there?
  6. What can I do to reduce the cost of my car insurance?
  7. Will you insure my car if it has modifications?
  8. Will you insure my car if it has been imported?
Purchasing a Policy
  1. Can I purchase car insurance on your website? You can get yourself a quote and purchase your policy entirely online. Alternatively, you can purchase over the phone on 0333 321 9488.
  2. When I’ve purchased my policy, is cover immediate? Yes, provided you have the necessary method of payment (credit or debit card or the facility to pay by Direct Debit) we can issue you with immediate cover if you specify this during the quote process. Please note that if you choose to pay by Direct Debit we may require a deposit from you, payable by credit or debit card.
  3. If I don’t purchase a policy, can I retrieve my saved quotes? Yes. Make a note of the email address you provided during your quote (we will require this for you to log in) and the PIN number you were given at the end of your quote. Then, click the Retrieve Quote button on our car insurance page and enter these details to log in. From here you will be able to amend your details and purchase your policy. If you’ve received a quote over the phone, your advisor will require either your customer reference number or some address details to retrieve your quote.
  4. How old do I need to be to get an online quotation from your website? To obtain an online quotation from our website you must be 17 years of age or over.
  5. Can I receive an online quote if I do not have a registration number yet? Yes, you will still be able to obtain a quotation without the registration number. Simply fill in the fields surrounding this question, then click on the Find My Car button. This will then prompt you to choose the car details.
  6. I’m unsure about which specific model car I have - what should I do? During the quote process you will be asked to search for your car’s make and model. Once you have done this, specify the transmission type, fuel type and year of manufacture, then click Find My Car. A list of all of the cars matching these details will appear and you’ll need to select the specific model you require. If you are unable to find the exact car details, please call us on 0333 321 9488.
  7. I’ve had claims and/or convictions in the last 5 years. Can I still get a quote online? Yes, but we need to be made aware of claims or convictions within the last 5 years for the underwriting process. The more accurate you can be when providing us with your details, the better we can be at finding the right product for you, at the right price.
  8. I have a provisional license. Can I still get a quote from you? Yes. When you are asked for your type of license, please select "provisional".
  9. When will I receive my insurance documents? You will usually receive the documents that you request from us by post in 5 working days (this may vary during busy periods such as Christmas or during bank holidays).
  10. What do I need to return to you as proof of my no claims discount? The document you are required to return to us as proof of your no claims discount is a renewal notice from your previous insurer. If this does not state your no claims discount (NCD) entitlement or if this is not available, you’ll need to call your previous insurer and request confirmation of your NCD that you can then forward on to us. If you’re still having trouble, you can call our customer services team on 0333 321 9488.
Cover
  1. What is no claims bonus? Premiums are priced on the risk of you as a driver and no claims bonus reflects your risk (fewer claims may suggest you are less of a risk). No claims bonus is typically earned for each year you have on cover without making a claim. The more no claims bonus you have, the more discount you are entitled to.
  2. What is protected no claims bonus? Protected no claims bonus will ensure that within a certain period of time (usually 2 years) you can make a specified number of claims (usually 3) and your no claims bonus will be unaffected, meaning you will still retain full no claims bonus (and the subsequent discount this entitles you to).
  3. What is the difference between comprehensive and third party fire and theft insurance? Comprehensive covers damage to your car as a result of accident, fire or theft as well as cover for windscreen damage. You are also covered for third party damage if you have an accident. Comprehensive cover includes other items such as personal accident, injury, death of policyholder, medical expenses, personal effects and in-car entertainment. Third party fire and theft covers damage to your car as a result of fire or theft and covers for third party damage if you have an accident.
  4. What is an excess? An excess is the contribution you pay in the event of a claim. For example, if your excess is £100, then you will have to pay the initial £100 of any claim. The excess makes up the first part of a claim, so if the claim was for £500, you would pay the first £100 and the insurer the remaining £400. Depending on whether or not the claim was your fault, you may be able to claim the excess back.
  5. What types of excess are there? There are two types of excess, compulsory and voluntary. Most car insurance policies will have a compulsory excess, which will vary depending on the type of claim you make. You will always have to pay this if you claim on your policy, and the level of excess will vary from insurer to insurer. Many insurers will offer you a discount on your premium for agreeing to a further voluntary excess, because they will have to pay less towards the claim as a result. Generally, the higher voluntary excess you choose, the lower your premium will be. If you choose a voluntary excess, remember you will have to pay this amount in addition to the compulsory excess for your policy.
  6. What can I do to reduce the cost of my car insurance? There are a number of ways to reduce the cost of your car insurance. Storing your car in a garage or on a driveway lowers the risk of accident or vandalism and security features added to a vehicle will also lower cover costs (tracking devices, alarms and immobilisers). Paying a higher voluntary excess on your car insurance policy is another way to lower your premium. For example, if you agree to pay the first £200 of any claim instead of £100, this would have an effect on the price of your premium.
  7. Will you insure my car if it has modifications? Yes. Modifications that increase your car's value, performance, handling or attractiveness will affect your premium. However, The Policy Shop has a number of specific products that will cater for these kinds of vehicles. If you are unsure whether your vehicle modifications are acceptable or you have any questions, please call 0333 321 9488 to speak to one of our friendly advisors.
  8. Will you insure my car if it has been imported? Yes. Many general car insurers won’t insure imported cars, but at The Policy Shop we’ll search for prices from some of the UK’s leading imported car insurers to ensure we provide you with the highest level of cover, no matter how rare or unusual your vehicle is. However, if you’re struggling to find your vehicle online, please call 0333 321 9488 to speak to one of our friendly advisors.

Customer Services

0333 321 9489

9am - 6pm Monday to Friday

9am - 2pm Saturday