PLEASE HAVE READY:
- Policy Number
- Police Crime Number (if necessary)
- Your full name and address details
- Details of any third parties involved
- Details of accident
- Witness information (if applicable)
PLEASE HAVE READY:
If you’ve had a quote over the phone and would now like to accept the policy please call us on 0808 178 7094.
It’s always compulsory for you to insure and tax your vehicle unless you don’t drive it and declare a SORN (statutory off road notice) and don’t keep your car on a public road. You can choose from three different levels of cover, although depending on your circumstances – for example, if you use your car for business – there are a number of additional top-up products you can buy which can provide extra insurance benefits.
It’s worth noting that TPO is the minimum level of insurance that you’re required to have by law. TPFO (posh way of saying third party fire and theft) doesn’t really give you a lot of cover, while TPO gives you nothing at all, really. The benefit though is that your premiums will be far cheaper.
What your car insurance will cost
What your insurance costs depends on a variety of factors:
There are a number of additional top-up products that you can add onto your policy and some of these are outlined in more detail below:
How to make your car insurance cheaper
There are a few things you can do to reduce the costs of your car insurance premiums and these are outlined in more detail below:
What to do if you have a car accident
If necessary, contact the police. Call our Claims Line on 0345 872 3611 and follow the advice in our Claims Guide.
Information your insurer may need to fulfil your insurance
If you don’t provide full and completely accurate information to your insurer, if you ever have to make a claim, it will invalidate your policy so it’s important that you give them the correct information from the get-go.
The difference between brokers, insurers and comparison sites
The difference between the three is fairly simple. Brokers act on your behalf to find the right insurance product for you, taking into account your personal circumstances. Comparison sites simply compare (hence the name) all of the quotes available to you, and insurers are the guys that provide the insurance. They’ll pay out in the event of a claim.
Brokers, insurers and comparison sites are all regulated by the Financial Conduct Authority (the FCA) which regulates all financial service providers within the UK. To ensure that your insurance is provided by an insurer that you can trust, make sure that they’re regulated by the FCA – this should be referenced on their website.
If we’ve missed anything out that you think we should include in this guide, drop us an email!