Frequently Asked Questions

Your quotes from insurers typically remain valid for up to 30 days, depending on the insurer. After this period, you will need to re-submit your request and obtain new quotes. You should also keep in mind that insurance policies may change over time so be sure to check with the insurer before purchasing a policy.

Yes, most insurers will cover the cost of any damages or injuries incurred as a result of an accident with an uninsured driver. However, it is important to note that you may also be liable for some costs associated with the incident, so it’s always worth checking with your insurer beforehand to ensure that you are covered.

Yes, most insurers will charge you a cancellation fee if you cancel your policy before the agreed term has ended. The exact amount of the fee can vary from insurer to insurer and is usually based on how much of the policy period has elapsed. It is important to check with your insurer before cancelling as they may also levy additional charges or penalties depending on the circumstances.

Most insurers will allow you to cancel your policy within 14 days of you purchasing it, however, you will still be charged a fee for each day’s insurance you have used. After this period, you may still be able to cancel your policy although there is likely to be a charge for doing so. It is important to check with your insurer before cancelling as some may impose restrictions and penalties depending on the circumstances.

Yes, it is important to declare any accident you are involved in even if you are not making a claim. Insurers need this information in order to accurately assess the risk of insuring your vehicle and may increase your premiums or refuse cover if they find that you have not declared an accident. Furthermore, failing to disclose an accident could invalidate any potential claims you make in the future.

A no-claims bonus is a discount or reward given by your insurer. It’s based on the number of years you have been insured without making any claim. The longer you go without making a claim, the more your no-claims bonus will increase, in turn reducing your premium. It is important to remember that making a claim can reduce your no-claims bonus and could result in an increased premium the following year.

No, GAP insurance policies are available for both new and used cars. However, GAP coverage is more commonly sought by those who have purchased or leased a new car. This is because the risk of owing more than the car is worth (due to depreciation) is much higher with a brand-new vehicle.

Yes, GAP insurance typically needs to be used in conjunction with a traditional comprehensive car insurance policy. Without an underlying car insurance policy, your GAP coverage will not provide any protection if you experience a covered loss. Be sure to check with your insurer for the specific requirements of their GAP policies.

You can usually claim on GAP insurance if your vehicle is stolen, declared a total loss due to an accident, or experiences damage that exceeds the amount covered by your traditional car insurance policy. Before making a claim, however, you should speak with your insurer and make sure that you understand any specific requirements or limitations associated with their GAP policies.

The maximum amount that GAP insurance will pay out is typically the difference between what you owe on your car loan and the actual cash value of your vehicle. In most cases, this will be enough to cover the balance of your loan, but it is important to check with your insurer for any specific coverage limitations.

Yes, motorhome insurance is a legal requirement in the UK. All motorhomes must be insured by law and it is illegal to drive without adequate cover. Motorhome insurance can protect you from financial losses if your vehicle is damaged, stolen or involved in an accident. It also provides liability protection should you cause harm to someone else or their property while driving your motorhome.

No, car insurance is not sufficient to cover a motorhome. Motorhomes require a specific type of insurance that covers the unique risks associated with them. This includes risks such as overloading, caravanning and extended stays away from home.

Estimating your motorhome’s annual mileage is important when it comes to getting an accurate insurance quote. Motorhome insurers will typically use the estimated annual mileage to assess the risk of insuring your vehicle, as well as any discounts that may be available. To estimate your motorhome’s mileage, you should consider how often you plan on using it and how far you plan on travelling. You can also use online mileage calculators to get a more accurate estimate.

The main difference between a motorhome and a campervan is size. Motorhomes are larger vehicles that typically feature separate living and sleeping areas, while campervans are smaller and usually only have one combined area for both activities. Campervans tend to be more fuel-efficient than motorhomes, but they also don’t provide as much living space. Furthermore, campervans typically don’t include bathrooms or kitchen facilities, while motorhomes usually do.

Motorhome insurance typically doesn’t cover personal belongings, liability when towing a trailer or caravan, and damage caused by an animal depending on the circumstances. Additionally, some motorhome insurers may not cover theft if your vehicle isn’t securely locked or parked in a safe location. It’s important to check with your insurer what is and isn’t covered before taking out a policy.

It depends on your home contents insurance policy. Some policies may cover the belongings in your motorhome, but you should check with your insurer to be sure. If not, you may need to purchase separate contents insurance for your motorhome.

These might be covered if there has been no incident, but it is best to check your policy’s wording. If there has been a problem before you took out cover, you may not be covered for it under a new insurance policy.

To lower the risk of making a claim on your wedding insurance and causing yourself further stress you should look to use reputable suppliers for your wedding arrangements. Use secure storage for your wedding rings and other important items. Be vigilant on the day of your wedding to prevent theft or damage to property.

Sometimes the worst does happen and you need to make a claim on your wedding insurance. The first thing you should do is contact your insurer as soon as possible to get the claims process started. If you’re claiming for a damaged item, whether that be a ring, dress or cake, you will need to provide photographic evidence as well as any receipts you have. It is essential that you keep the damaged item, regardless of whether it is in disrepair. The insurer will then assess your claim and determine how much, if anything, you are entitled to or they may even replace the item for you.

Contact your insurer as soon as possible to get the process started. If you’re claiming for a damaged item, don’t throw the item away as photographic evidence may be needed for the claim.

You may be able to increase your policy cover if you need extra protection due to the increasing costs of your wedding. It’s best to speak to your wedding insurance provider as soon as you know you need to increase your coverage to ensure you’re protected.

Cancellation is generally straightforward in the first 14 days of a policy, but this can vary from policy to policy. A good practice is to check your policy’s wording surrounding cancellations.

When travelling abroad for your wedding it is best to add the expensive items you’re travelling with to your travel insurance. This can include rings, dresses, ceremonial items and so on. Remember to keep all receipts and value the items as accurately as possible.

When comparing insurance for weddings abroad, make sure you’re getting the protection you need. For example, some policies will only cover certain countries. It is best to check the wording on your policy for all coverage details.

No, your home insurance policy will not cover your wedding. You will need to purchase a wedding insurance policy to be properly covered. However, you can add your engagement ring to your home insurance policy to provide cover should you lose it or it gets stolen.

No, SORN insurance does not cover your car for use on the road. SORN insurance is only valid when a vehicle is declared off-road and kept in a secure location. If you plan to drive your car on public roads, you must purchase an active motor insurance policy that will cover you for any accidents or damage caused by unexpected events.

No, you do not need to renew a SORN. Once you have declared your vehicle as off-road and it has been registered with the DVLA, the registration will remain valid until the vehicle is sold or taken off the road permanently. If your circumstances change and you decide to put your car back on the road, you must purchase an active motor insurance policy.

You will however need to renew your SORN insurance, as this is usually an annual renewal.

No, you cannot drive a car that is declared as SORN. Even if you purchase the vehicle and receive the keys, it is still illegal to drive it on public roads until you have obtained an active motor insurance policy for it. You must arrange for the car to be towed or transported to your home in order to comply with road traffic regulations.

If you have declared your car as off-road, then it must be kept in a secure location such as a private garage or driveway. It is strictly prohibited to park your vehicle on a public road if it has a SORN. If you are found to be parking your car on the street with just a SORN insurance policy, then you may receive a fine or penalty points on your driving licence.

No, a SORN car does not need to have an MOT. However, it is recommended that you still carry out regular checks and maintenance on your vehicle so that it is in good working order when you drive it again. If your MOT has expired you will need to get it re-tested before you can legally drive it on the roads again. It is worth noting that you can drive your car to a pre-booked MOT appointment legally even if your MOT has expired.

Yes, you can drive a car with a SORN declaration on private land such as farmland or racetracks. It is important to note that you must always abide by the rules and regulations of the landowner and ensure that you have permission to be there. It is also important to note that driving a car on private land without an active motor insurance policy may still result in legal penalties if it causes any damage or injury.

No, a Statutory Off Road Notification (SORN) does not automatically terminate car insurance. If you have an active policy, it will remain in effect until the expiration date or cancellation period. If you are making a SORN declaration for your vehicle, you must notify the insurer and discuss cancelling the policy at that time.

Tourer caravan insurance is not a legal requirement in the UK. However, many touring caravan owners choose to take out an insurance policy in order to protect themselves from financial losses incurred following accidents or damage caused by adverse weather. Touring caravan insurance can provide cover for any accidental damage caused by you or someone else while you’re on the road, as well as losses due to fire, theft, or vandalism.

Yes, you can use your touring caravan outside the UK. However, your insurance policy may not cover you abroad unless you purchase additional coverage before your trip. Additionally, it is important to check the terms and conditions of your insurance policy before leaving the UK as some insurers may not cover you for certain types of claims, such as medical expenses if the claim is made abroad.

You should check the terms and conditions of your insurance policy to make sure that everyone using the caravan is covered. With certain policies both friends and family can be covered, however, an additional fee may be charged for each person added to the policy. If you are in any doubt about who is covered by your insurance policy then it is best to contact your provider for more information.

Generally speaking, home contents insurance does not cover the contents of your touring caravan. You should purchase a specific tourer caravan insurance policy to ensure that you are covered for the items inside your caravan. It is also important to be aware that the coverage offered by different insurers can vary significantly so it is important to shop around for the best deal.

Yes, you can get tourer caravan insurance if you live in it. However, the cover available may be more limited than for those who use their caravan for holidays or short trips. It is also important to check with your provider that you are covered for all of the activities associated with living in.

If you need to make a change to your tourer caravan insurance policy, then it is best to contact your provider directly. Most insurers will allow you to make changes online or over the phone.

If you passed your driving test after the 19th of January 1997 and your caravan doesn’t exceed a total of 3,500kg Maximum Authorised Mass (MAM) you’re allowed to tow it on your standard licence.

To understand more on this, head to gov.uk’s guidance for towing.

Our online tourer caravan insurance comparison service allows you to compare different policies and add optional extras to your policy. The extras available to you are:

  • Personal effects cover – This covers the loss or damage of personal items whilst in your caravan.
  • Equipment cover – Covers the loss or damage of leisure equipment associated with your caravan.
  • Awnings cover – Covers the loss or damage of awnings associated with your caravan.
  • EU cover – Allows you to use your caravan in EU countries
  • Caravan and vehicle breakdown cover – Provides cover if your caravan or vehicle breaks down whilst on holiday.
  • Legal assistance cover – Gives you access to legal advice and assistance should you be involved in a dispute arising from an accident or any other event.

In the UK, static caravan insurance is not a legal requirement, but many caravan owners opt to take out a policy for financial protection should anything go wrong. Caravan owners should consider having insurance for their caravan in order to protect them from financial losses due to accidental damage, theft, or other unexpected events. Without insurance, if an accident or theft occurs, you may be responsible for all costs associated with the damage or loss.

No, home contents insurance generally does not cover the contents of static caravans. It is important to check with your insurer to determine what kind of coverage is available for the contents of your static caravan. Some insurers may offer a tailored policy that provides additional coverage for items such as furniture, appliances, and other personal belongings.

Yes, you can get static caravan insurance if you live in it. Living in a static caravan is considered a residential home and can be insured with the appropriate home insurance policy. Insurance companies will generally consider it a residential dwelling and provide coverage for buildings, contents, personal possessions, and other items.

Yes, your static caravan is generally covered if it is left unoccupied. However, the insurer may require you to take additional security measures in order to keep the caravan secure while it is unoccupied.

Yes, you will need a specific level of cover if you plan to let your static caravan out. Although the minimum level of cover required may vary depending on the insurer, it typically includes buildings and contents insurance as well as third-party liability. It is important to check with your insurer for more information about what kind of coverage is necessary when renting your holiday home out.

Touring caravan insurance covers caravans that are used for recreational travel, while static caravan insurance covers caravans that are permanently situated in one place. Touring caravan policies typically provide cover for accidental damage and theft of the vehicle, whereas static caravan policies may also include cover for buildings and contents as well as third-party liability.

Yes, you can secure park home insurance if it serves as your primary residence. Insurance companies typically consider park homes as residential dwellings and provide coverage for buildings, contents, and personal possessions, among other items.

Park homes are designed to be permanent residences and are not intended to be moved regularly or taken abroad. Therefore, unlike caravans, park homes cannot be taken overseas.

If you plan to rent out your park home, you’ll likely need a specific level of cover. The minimum cover usually includes buildings and contents insurance along with third-party liability. It’s advisable to consult with your insurer to understand the necessary coverage when letting out your park home.

Typically, home contents insurance does not extend to the contents of park homes. It’s crucial to consult with your insurer to understand the coverage options available for your park home contents. Some insurers may offer tailored policies covering items like furniture, appliances, and personal belongings within your park home.

While park home insurance is not legally required in the UK, it’s highly recommended for financial protection. Park homeowners should consider securing insurance to safeguard against potential financial losses due to accidental damage, theft, or unexpected events. Without insurance, you could be liable for all costs associated with any damage or loss.

Usually yes, your park home can generally be covered when left unoccupied. However, insurers may require additional security measures to ensure the safety of the property during periods of non-occupancy.

The key difference between the two lies in the nature of the dwelling they cover. Home insurance is for stationary, site-built homes, while park home insurance is for manufactured homes. Each type of dwelling faces unique risks, which is why they generally require different types of insurance coverage.

Yes, you can insure a second-hand or older bicycle. Many insurers offer coverage for bicycles regardless of their age. The cost and type of coverage will depend on the bicycle’s age, condition, and other factors. Generally speaking, the newer the bicycle and the less likely it has been in an accident, the cheaper it is to insure.

Bicycles depreciate in value over time similar to cars, however, after a certain age as determined independently by each insurer, the bicycle premium will begin to rise due to the likelihood of parts going wrong.

When pricing your bicycle for insurance, you should consider the original purchase price, depreciation over time, and any upgrades or modifications you’ve made to it. You may also want to factor in the cost of replacement parts if needed. While it’s important to be realistic about how much your bicycle is worth, don’t underestimate the value either. You want to make sure you’re adequately covered in case of theft or damage.

When insuring a bicycle with custom parts, you should be sure to factor in the cost of replacing those parts. Many insurers will offer coverage for specific bike parts and accessories, so look into what they offer that may cover your needs before deciding on an insurance plan.

Most insurance companies require that you be at least 18 years old in order to insure your bicycle. Be sure to check with the specific insurer for their requirements before signing up for a policy.

Yes, you’ll need to provide proof of ownership in order to insure your bicycle. This could be a sales receipt, registration certificate, or other documents that show the transfer of ownership from one person to another.

Yes, many insurance companies offer coverage for cycle helmets and clothing that you wear while cycling. Be sure to read the policy details carefully to understand what is covered and what isn’t.

No, bicycle insurance is not a legal requirement in the UK. However, it’s always a good idea to protect your bike with an insurance policy for peace of mind and financial protection in case of theft or damage.

No, as long as your bicycle doesn’t exceed 250 watts in power and has pedals you won’t need specialist insurance.

Yes, by selecting the optional commercial insurance option in our quote journey you can find quotes for business use for your bicycle.

Yes, you can make a claim if someone else causes damage to your bike. However, this will depend on the type of insurance policy that you have and whether the other person was responsible for the damage. Be sure to check with your insurer for more information about their particular policies regarding claims.

Yes, most insurance companies will offer a range of coverage levels for bicycles. This may include third-party liability, theft, and damage cover as well as more comprehensive packages that include breakdown assistance and legal protection. Be sure to read the policy details carefully before deciding which one is right for your needs.

Most standard motorbike insurance policies do not cover pillion passengers, however, some insurers may offer additional coverage to provide insurance for pillion passengers. You can select this option on the quote journey, and the additional premium will be clearly displayed. It is important to ensure that both you and your passenger are always adequately covered when riding on two wheels, so it’s worth considering whether this extra cover is right for you before taking out a policy.

Yes, most insurers will allow you to add additional drivers to your policy. However, it’s important to note that the additional driver must be over 18 years of age and have a valid license for the type of motorbike you are insuring. It is also likely that adding an additional driver could impact your premium.

If your motorbike is stolen, or written off as a result of an accident, your insurance company should cover the cost of replacing it. However, it’s important to note that the insurer will only pay out up to the market value of the bike at the time of theft/accident. If your bike is written off or stolen, you should contact your insurer as soon as possible to ensure that you are able to make a claim.

If you are riding your motorbike on public roads, then you must have a minimum of third-party insurance to legally ride. If you are not using the bike on public roads, then it is still advisable to take out an appropriate level of cover in case of any unexpected incidents. Without insurance, you may be liable for considerable costs if you are involved in an accident, or your bike is stolen.

In most cases, motorbike insurance will not cover punctures or other wheel damage. However, some insurers may offer a breakdown and recovery service as an add-on to your policy which would provide cover for flat tires and other wheel damage. It is always worth checking with your insurer to see what kind of additional services are available.

Most motorbike insurance policies will not cover you for riding abroad. However, some insurers may offer the option to add European or worldwide coverage to your policy as an additional service. It is important to make sure that you are covered with a valid and adequate level of insurance when riding abroad.

Some insurers will allow you to transfer a no-claims discount from your car insurance policy to a partner or spouse but this usually comes with specific criteria. A no-claims bonus can only be used on one vehicle at a time, however, so take this into consideration when choosing which vehicle to use it on.

Yes, most insurers will allow you to make modifications to your bike, such as aftermarket exhausts or new wheels. However, it’s important to note that some modifications may affect the cost of your insurance premium and could even invalidate your policy if they are not declared. Therefore, it’s essential that you check with your insurer before making any changes to ensure that you remain covered.

Yes, most insurers will cover the cost of any damages or injuries incurred as a result of an accident with an uninsured driver. However, it is important to note that you may also be liable for some costs associated with the incident, so it’s always worth checking with your insurer beforehand to ensure that you are covered.

Motorbike Compulsory Basic Training (CBT) is a course that must be completed by all new motorbike riders before they can legally ride on public roads. The CBT consists of five elements: introduction, preparation, on-site training, practical on-road riding and a short test. Once the CBT is completed, riders will receive a certificate which must be presented when applying for a full license.

If one of your motorbikes is stolen, or written off as a result of an accident, your insurance company should cover the cost of replacing it. However, it’s important to note that the insurer will only pay out up to the market value of the bike at the time of theft/accident. If the bike is written off or stolen, you should contact your insurer as soon as possible to ensure that you are able to make a claim.

Usually, the only restriction is the total vehicle limitation from the insurance company. This means that generally there is space for more motorbikes. It is best to check with your insurance company at the point of sale.

Rarely are you able to change the cover from one motorbike to another, instead you’ll generally see a blanket-wide level of cover. This avoids complications and means that you get the same cover with each motorbike, so you don’t have to worry which motorbike you’re riding.

Adding motorbikes to an existing multi-motorbike insurance policy is more cost-effective than taking out an entirely new motorbike policy. This is because multi-motorbike insurance acknowledges your ability to only ride one motorbike at a time, whereas individual policies per vehicle assume you’re riding each at the same time.

Not every provider offers unlimited numbers of motorbikes that can be insured under one standard multi-motorbike insurance policy.

We’re able to show you only the relevant companies with your information due to having a variety of insurers ready to deliver you quotes. This means that through our service, there is no limit to the number of motorbikes you can insure.

The amount of money you save versus standard motorbike insurance will depend on the type of motorbike and the level of no-claims bonus you have.

Your no-claims bonus is only applicable to one insurance policy at a time, meaning if you were to insure each motorbike individually only one would benefit from it. Within a multi motorbike insurance policy, the no-claims bonus is applied across your collection because they’re all under one policy.

As with all insurances, your no claims bonus can be affected in the event of a claim. Even though your multi motorbike insurance will have a main bike, usually your most expensive, making a claim on any motorbike insured under a multi motorbike policy can affect your no claims bonus.

Your career can have a direct impact on how much you pay for car insurance. Insurance companies often use your occupation as part of their risk assessment process when assessing your premium. Generally, those in higher-risk professions such as medical professionals or truck drivers tend to have higher premiums than those in lower-risk jobs like teachers or office workers.

Calculating the value of a car with an online tool such as Autotrader’s free valuation tool can be a quick and easy way to get an estimate of what your car is worth. Before you use an online valuation tool, it’s important to take the time to properly research and assess your car’s condition so that you are making an accurate estimation of its value.

Estimating your annual mileage is an important part of calculating your vehicle insurance premiums, as the amount of driving you do will affect the cost and coverage you are entitled to. To accurately estimate your annual mileage, it’s important to consider how often you drive for both work and pleasure. Take note of any regular trips you make such as a weekly commute or regular trips to visit family and friends or if you use the vehicle for work.

Once you have an estimate of your annual mileage, it’s important to update your insurer if you make any changes as this could affect the coverage and cost of your policy.

A no-claims bonus is an incentive offered by insurers that rewards drivers for their safe driving record. It can lead to cheaper premiums as the insurer may offer a discount on your policy if you don’t make any claims during the year. The more years of claim-free driving, the higher your no-claims bonus will be and the more money you can save on your car insurance. In addition to the cost savings, a no-claims bonus also helps to ensure that drivers are rewarded for their good driving habits, providing an incentive to avoid potential accidents and claims.

Typically, a comprehensive policy does not allow you to drive someone else’s car. However, some insurers may offer additional cover which permits the insured person to drive another vehicle with the permission of the owner. It is important to check with your insurer and make sure that you understand what cover is included in your policy before driving someone else’s vehicle.

Whilst it is not the only factor, your credit score can have an impact on your car insurance costs, as insurers often use it as part of their risk assessment process when calculating premiums. Generally, those with higher credit scores tend to pay lower premiums as they are considered less of a risk by insurers. However, it is important to note that each insurer has their own criteria when assessing premium costs and your credit score may not be the only factor taken into consideration.

Yes, even if your car isn’t on the road you still need to have a minimum of third-party insurance in place. This covers any potential damage or injuries caused by your vehicle. If you are keeping your car off the road for an extended period of time, it is worth speaking to your insurer as they may be able to provide you with a reduced premium that reflects the fact that your car is not in use.

If your car is off the road long term you can declare it SORN, therefore you won’t need to insure and tax it, however, you will not be able to legally drive it until you have re-insured and re-taxed it. If you’re worried about any damages whilst your car is SORN, such as theft, then you might be interested in SORN insurance.

Yes, it is important to declare any accident you are involved in even if you are not making a claim. Insurers need this information in order to accurately assess the risk of insuring your vehicle and may increase your premiums or refuse cover if they find that you have not declared an accident. Furthermore, failing to disclose an accident could invalidate any potential claims you make in the future.

Most insurers will allow you to cancel your policy within 14 days of you purchasing it, however, you will still be charged a fee for each day’s insurance you have used. After this period, you may still be able to cancel your policy although there is likely to be a charge for doing so. It is important to check with your insurer before cancelling as some may impose restrictions and penalties depending on the circumstances.

Yes, most insurers will charge you a cancellation fee if you cancel your policy before the agreed term has ended. The exact amount of the fee can vary from insurer to insurer and is usually based on how much of the policy period has elapsed. It is important to check with your insurer before cancelling as they may also levy additional charges or penalties depending on the circumstances.

Car insurance policies are typically valid for 12 months but can be taken out for shorter or longer periods depending on your needs and the insurer’s terms and conditions. It is important to check with your insurer before taking out a policy as some may impose restrictions.

Car insurance for new drivers tends to cost more than for experienced drivers as insurers consider them to be a higher risk. This is because young and inexperienced drivers are statistically more likely to have an accident or make a claim on their policy.

In addition, many new drivers have limited driving experience and so, may not be familiar with the rules of the road or other driving situations. This can make them more at risk of having an accident and, in turn, increases the cost of their car insurance.

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