Q: When will I receive my policy documents?

A: The policy documents will be issued on the next working day after the date you paid for the policy. For example, if you paid for your policy on Monday, the documents would be posted out on Tuesday.

The policy documents will be issued on the next working day after the date you paid for the policy. For example, if you paid for your policy on Monday, the documents would be posted out on Tuesday.

Q: What if I have lost my documents?

A: Email our friendly helpdesk at helpdesk@ecarinsurance.com.au advising us that you have lost your documents and require a duplicate set to be issued. Please remember to include your policy number in the email.

Email helpdesk advising us you have lost your documents and require a duplicate set to be issued, please remember to include your policy number. The contact link is located on the left hand side of the homepage.

Q: What products do you offer?

A: The following e-products are currently available and we plan to add many more in the future:
Bike Insurance: www.ebikeinsurance.com.au - The first online insurance solution to allow you the customer take total control. Why bother with call centres and automated phone lines!
Car Insurance: www.ecarinsurance.com.au - Why not join the growing number of car drivers who have already joined the revolution and put your money where your mouse is?

The following e-products are currently available and we plan to add many more in the future: Bike Insurance: www.ebikeinsurance.com.au - The first online insurance solution to allow you the customer take total control. Why bother with call centres and automated phone lines! Car Insurance: www.ecarinsurance.com.au - Why not join the growing number of car drivers who have already joined the revolution and put your money where your mouse is?

Q: Do you insure motorbikes?

A: Yes we do www.ebikeinsurance.com.au

Yes we do www.ebikeinsurance.com.au

Q: Do you insure commercial vehicles?

A: We insure a range of commercial vehicles and Utes, please refer to the website to see if your vehicle is listed.

We insure a range of commercial vehicles and Utes, please refer to the website to see if your vehicle is listed.

Q: Do you insure Mobile Homes, Camper Vans & Caravans?

A: No. We do not cover Mobile Homes, Camper Vans & Caravans.

No. We do not cover Mobile Homes, Camper Vans & Caravans.

Q: What types of cover are available?

A: 1. Comprehensive
Comprehensive car insurance covers you for damage to your own vehicle, as well as for any damage to other people's property for which you are legally liable resulting from the use of your car. It does not cover personal injury to third parties.

2. Third Party Fire & Theft
Covers you for Fire & Theft to your vehicle & protects you against claims for damage that your car causes to another person's vehicle or property only, it does not cover personal injury to third parties.

3. Third Party Only
Protects you against claims for damage that your car causes to another person s vehicle or property only, it does not cover personal injury to third parties.

Comprehensive car insurance covers you for damage to your own vehicle, as well as for any damage to other people s property for which you are legally liable resulting from the use of your car. It does not cover personal injury to third parties.Third Party Fire & TheftCovers you for Fire & Theft to your vehicle & protects you against claims for damage that your car causes to another person s vehicle or property only, it does not cover personal injury to third parties. Third Party OnlyProtects you against claims for damage that your car causes to another person s vehicle or property only, it does not cover personal injury to third parties.

Q: Do you offer CTP/Green slip Insurance.

A: No

No

Q: Do I need to list all drivers on my Policy?

A: Yes. You need to list all regular drivers, including learning drivers. If a driver is not listed and is involved in an accident whilst driving the insured car, an additional excess will apply.

Yes. You need to list all regular drivers, including learning drivers. If a driver is not listed and is involved in an accident whilst driving the insured car, an additional excess will apply.

Q: Do you insure young drivers?

A: Yes we do, as long as they hold an appropriate licence.

Yes we do, as long as they hold an appropriate licence.

Q: What is the minimum/maximum driver age you will insure?

A: We will insure licensed drivers aged 16 years to 75 years.

We will insure drivers aged 16 years to 75 years.

Q: Can I insure more than one car with you?

A: You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided that all vehicles and drivers are acceptable to our Underwriters. The policy cover you select will apply to all cars on the policy. You can cover up to 4 named drivers on a multi-car policy.

You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided that all vehicles and drivers are acceptable to our Underwriters. The policy cover you select will apply to all cars on the policy. You can cover up to 4 named drivers on a multi-car policy.

Q: My policy is not live yet but I want to make changes to it why can't I?

A: You cannot make changes after you have clicked 'Buy Now' and/or paid for the policy until the policy has been activated. You should not click the 'Buy Now' button until you are sure all the details are correct. Once the policy is activated changes are available.

You cannot make changes after you have clicked 'Buy Now' and/or paid for the policy until the policy has been activated. You should not click the 'Buy Now' button until you are sure all the details are correct. Once the policy is activated changes are available.

Q: How can I pay for my Mid Term Adjustments?

A: Payments can be made using either a Visa or Mastercard credit card or debit card, and BPAY.

Payments can be made using either a Visa or Mastercard credit card or debit card, and BPAY

Q: Is breakdown cover included with my policy?

A: Breakdown cover is included as part of your eCar insurance policy.

Breakdown cover is an optional cover your can choose to add to your policy.

Q: What is the Duty of disclosure?

A: eCar Insurance expect you to provide complete and accurate information when you take out your insurance policy, throughout the lifetime of the policy and when you renew your insurance. If you are unsure about disclosing any information please contact us for guidance. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid. Always keep copies of correspondence sent or received concerning your insurance. To view the Product Disclosure Statement click on the link on the left hand side of the home page.

eCar Insurance expect you to provide complete and accurate information when you take out your insurance policy, throughout the lifetime of the policy and when you renew your insurance. If you are unsure about disclosing any information please contact us for guidance. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid. Always keep copies of correspondence sent or received concerning your insurance. To view the Disclosure Statement click on the link on the left hand side of the home page.

Q: Can I insure 2 vehicles on the same policy but at different levels of cover?

A: You can cover up to 4 vehicles on a policy (provided that all vehicles are acceptable to our Underwriters) but the cover relates to the policy, not to the individual vehicles.

You can cover up to 4 vehicles on a policy (provided that all vehicles are acceptable to our Underwriters) but the cover relates to the policy, not to the individual vehicles.

Q: How do I make changes to my policy online?

A: In order to make changes to your policy you will need to log into 'Your Account'. To do this, from the eCar homepage, go to the Customer Log In area on the left hand side and enter your policy number and email address. This will take you to the Your Account screen. Click 'Make Changes to Your Policy'. This will give you a series of options. Select the relevant option and follow the easy steps.

In order to make changes to your policy you will need to log into 'Your Account'. To do this, from the eCar homepage, go to the Customer Log In area on the left hand side and enter your policy number and email address. This will take you to the Your Account screen. Click 'Make Changes to Your Policy'. This will give you a series of options. Select the relevant option and follow the easy steps.

Q: How many motoring convictions do you accept?

A: This is dependent on the type of conviction(s), and when they occured. You will have to complete a quote to see what effect they have on the quote and if we can offer cover.

This is dependent on the type of conviction; you will have to complete a quote to see what effect they have on the quote and if we can offer cover.

Q: My car has been modified; will you be able to provide cover?

A: This depends on what modifications have been made. You will need to complete a quote listing your modification. The system will generate a quote if we are able to provide you with cover.

This depends on what modifications have been made. You will need to complete a quote listing your modification. The system will generate a quote if we are able to provide you with cover.

Q: Can I get instant cover?

A: Yes, you choose the time and date you want the cover to start. You cannot back date the cover though.

Yes, you choose the time and date you want the cover to start. You cannot back date the cover though.

Q: I have an International driving licence: Does eCar accept International licences?

A: We accept international Drivers licences issued by a Commonwealth country, as long as the person holding the international licence is over 25 years of age. However, it is your responsibility to ensure that you hold the correct licence to drive the car insured. You need to check with the Local Transport Authority.

We accept international Drivers licence as long as the person holding the international licence is over 25 years of age. However, it is your responsibility to ensure that you hold the correct entitlement to drive the car insured. You need to check with the Local Transport Authority.

Q: Do you cover LPG vehicles? My car's had a LPG conversion.

A: Yes we do cover cars that have been converted to run on LPG. You will need to add this on as a modification when either taking out or amending your policy.

Yes we do cover cars that have been converted to run on LPG. You will need to add this on as a modification when either taking out or amending your policy.

Q: Can I insure my common law/live-in partner's vehicle in my name?

A: No, our policy requires the policy holder to be the registered owner of the vehicle.

No, our policy requires the policy holder to be the registered owner of the vehicle.

Q: What if I don t have the registration number?

A: We do not need the registration number to produce a quote. But you need a valid registration number in order for your policy to be valid.

If your Car is not road registered, no insurance cover is available under this policy.

We do not need the registration number to produce a quote. But you need a valid registration number in order for your policy to be valid.

If your Car is not road registered, no insurance cover is available under this policy.

Q: If I choose market value how do I know how much my car is insured for?

A: Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.
If you want an idea of what your car may be worth you can search for your car at www.redbook.com.au, or a similar reference

Market value is the reasonable cost to replace your vehicle with one of the same make, model, age and condition as your vehicle at the time of loss or damage. It does not include any allowance for warranty, stamp duty or transfer costs.

Q: Do you insure Grey Imports?

A: No

No

Q: Do you insure Company Vehicles?

A: Yes

Yes

Q: What do I do if I have lost my Policy Number?

A: Please email our friendly helpdesk at helpdesk@ecarinsurance.com.au

Please email our friendly helpdesk at helpdesk@ecarinsurance.com.au

Q: What if I do not know my claims details?

A: You will need to provide accurate information as incorrect information may void your insurance policy; you may need to contact your previous insurer.

You will need to provide accurate information as incorrect information may void your insurance policy; you may need to contact your previous insurer.

Q: What if I do not know my driving history?

A: You will need to provide accurate information as incorrect information may void your insurance policy; you may need to contact your local transport authority.

You will need to provide accurate information as incorrect information may void your insurance policy; you may need to contact your local transport authority.

Q: How is my Insurance Premium Calculated?

A: Premium calculated depends on many factors including the type of cover and options you choose, the type of vehicle and whether it is garaged, the driver(s) details etc.

Premium calculated depends on many factors including the type of cover and options you choose, the type of vehicle and whether it is garaged, the driver(s) details etc.

Q: When will my Insurance start?

A: From the date and time you have specified. It is not possible to back date cover.

From the date and time you have specified. It is not possible to back date cover.

Q: What is the risk address?

A: This is the address where you vehicle is stored overnight. This maybe different to your postal address.

This is the address where you vehicle is stored overnight. This maybe different to your postal address.

Q: I drive less than 15,000km a year, do you offer a discount?

A: Yes, you will receive a discount if you are doing less than 15,000km a year and you have chosen comprehensive cover.

Yes, you will receive a discount if you are doing less than 15,000km a year and you have chosen comprehensive cover.

Q: Do I receive a discount if a keep my vehicle in a locked private garage overnight?

A: Yes. Please refer to the PDS regarding the E4 excess and endorsement

Yes. Please refer to the PDS regarding the E4 excess and endorsement

Q: Does my security device entitled me to a discount?

A: If you have additional security fitted and it is listed in the approved security list than you may be entitled to a discount.

If you have additional security fitted and it is listed in the approved security list than you will be entitled to a discount.

Q: What is Voluntary excess?

A: Your policy has a basic excess, you can choose to increase your excess which will reduce your premium. By increasing your excess you are adding a voluntary excess to your policy.

Your policy has a basic excess, you can choose to increase your excess which will reduce your premium. By increasing your excess you are adding a voluntary excess to your policy.

Q: What if I can t find my vehicle finance company?

A: Please email our friendly helpdesk at helpdesk@ecarinsurance.com.au, or if you require immediate assistance please call us on 1300 880 510

Please email customerservices@ecarinsurance.com.au

Q: Windscreen excess reduction, what is this?

A: For an additional premium you can reduce the excess payable in the event of a windscreen claim from the standard basic ecxess payable on the policy to a lower limit as detailed in the Product Disclosure Statement.

For an additional premium you can reduce the excess payable in the event of a windscreen claim from the standard basic ecxess payable on the policy to a lower limit as detailed in the Product Disclosure Statement.

Q: Who is my breakdown cover with?

A: 24/7 Roadservices PTY LTD are the breakdown cover providers, their 24hour helpline is 1800 008 616 for further details please refer to PDS.

24/7 Roadservices PTY LTD are the breakdown cover providers, their 24hour helpline is 1800 008 616 for further details please refer to PDS.

Q: Who is the underwriter for eCar Insurance?

A: If you purchased your policy, or have a policy renewal date on or prior to 30th June 2009, your policy is underwritten by Lloyds for the remainder of the term of your policy.

If you purchased your policy, or have a policy renewal date on or after 1st July 2009, your policy is underwritten by Calliden Insurance Limited.

If you purchased your policy, or have a policy renewal date on or prior to 30th June 2009, your policy is underwritten by Lloyds for the remainder of the term of your policy. If you purchased your policy, or have a policy renewal date on or after 1st July 2009, your policy is underwritten by Calliden Insurance Limited.

Q: Do you cover personal effects if I am involved in an accident?

A: Personal effects are your personal belongings that are in your car at the time of an accident.
Our Comprehensive cover provides cover for damage to your personal effects resulting from a collision involving your car. Limits do apply (Please see our Product Disclosure Statement for details)

Personal effects are your personal belongings that are in your car at the time of an accident.

Q: Can you fax or send a certificate of currency to the dealer I am buying a car from?

A: Yes, once the policy is paid for we can send a certificate of currency confirming the cover.

Yes, once the policy is paid for we can send a certificate of currency confirming the cover.

Q: Who is e Group (Australia) Insurance Services Pty Ltd?

A: E Group (Australia) Insurance Services Pty Ltd arranges eCar and eBike Insurance. E Group (Australia) Insurance Services Pty Ltd ABN 17 097 626 750, AFS license 304247, is authorised to deal in financial products and can arrange insurance products for retail and wholesale clients.

E Group (Australia) Insurance Services Pty Ltd arranges eCar and eBike Insurance. E Group (Australia) Insurance Services Pty Ltd ABN 17 097 626 750, AFS license 304247, is authorised to deal in financial products and can arrange insurance products for retail and wholesale clients.

Q: Do you insure cars and bikes on a joint policy?

A: No.

No.

Q: I would like to protect my No Claims Discount. How do I do this?

A: If you have 5 or more years NCD then this is automatically protected and guaranteed for life. This means that once you have 5 or more years NCD then we will not reduce your NCD regardless of how many claims you make. NCD protection is not available if you have less than 5 years NCD and cannot be added as an option in this instance.

If you have 5 or more years NCD then this is automatically protected and guaranteed for life. This means that once you have 5 or more years NCD then we will not reduce your NCD regardless of how many claims you make. NCD protection is not available if you have less than 5 years NCD and cannot be added as an option in this instance.

Q: I have been driving a company car for the last 5 years. Am I entitled to a No Claim Bonus discount with eCar?

A: Yes, you must provide evidence from your employer of a claim free driving for 5 years, please email eCar and provide the required details.

Yes, you must provide evidence from your employer of a claim free driving for 5 years, please email eCar and provide the required details.

Q: If I've been named on another policy, am I entitled to any no claims discount?

A: No.

No.

Q: What is acceptable No Claims Bonus? What do you accept as proof of my NCD?

A: You need to provide eCar with your previous policy details as requested when setting up your policy.An acceptable no claims must be;

• Held within the last 24 Months
• Held on private Car, Motorcycle, Commercial Vehicle
  
• Held in Australia, NZ or UK
• Company car claim free driving experience (subject to letter of proof from insured s employer)
  

You need to provide eCar with your previous policy details as requested when setting up your policy. Held within the last 24 Months Held on private Car, Motorcycle, Commercial Vehicle Held in Australia, NZ or UKCompany car claim free driving experience (subject to letter of proof from insured s employer)

Q: How can I get proof of my NCD?

A: When you cancel your policy you will receive a cancellation schedule through the post which will provide details of any No Claims Discount that you are entitled to. If you have mislaid this then please email us at helpdesk@ecarinsurance.com.au

When you cancel your policy you will receive a cancellation schedule through the post which will provide details of any No Claims Discount that you are entitled to. If you have mislaid this then please email us at enquiries@ecarinsurance.com.au

Q: How long is my NCD valid for?

A: We accept NCD providing it is not more than 24 months since the termination of your last policy.

We accept NCD providing it is not more than 24 months since the termination of your last policy.

Q: How do I cancel my annual policy?

A: Do you really want to cancel? If you have any concerns please contact the helpdesk. .

However if you really want to cancel your policy we are sorry to lose you. .

In order to cancel your policy you will need to log onto Your Account'. To do this, from the eCar homepage, go to the Customer Log In area on the left hand side and enter your policy number and email address. This will take you to the Your Account screen. Click on Make Changes to Your Policy'. This will give you a series of options. Scroll down until you see the option Cancel Your Policy'. Click it and then select the time and date you want the policy to be cancelled. Follow the steps through to the end as you did when you took the policy out. Any amount displayed in the premium box is the amount of refund that is due to you. Click Confirm Changes and follow the instructions to the end. Upon successful completion the policy with be cancelled. Any refund due to you will be issued by cheque and will be sent to you in the post. This process takes approximately 10 working days.

Do you really want to cancel? If you have any concerns please contact the helpdesk. .

However if you really want to cancel your policy we are sorry to lose you. .

In order to cancel your policy you will need to log onto Your Account'. To do this, from the eCar homepage, go to the Customer Log In area on the left hand side and enter your policy number and email address. This will take you to the Your Account screen. Click on Make Changes to Your Policy'. This will give you a series of options. Scroll down until you see the option Cancel Your Policy'. Click it and then select the time and date you want the policy to be cancelled. Follow the steps through to the end as you did when you took the policy out. Any amount displayed in the premium box is the amount of refund that is due to you. Click Confirm Changes and follow the instructions to the end. Upon successful completion the policy with be cancelled. Any refund due to you will be issued by cheque and will be sent to you in the post. This process takes approximately 10 working days.

Q: Do you charge administration fees?

A: Yes we do charge administration fees for certain transactions. Please refer to the Product Disclosure Statement for further details

Mid term adjustment administration fee will be charged in all circumstances at $25 plus GST.Cancellation Fee of $75 plus GST will apply if the policy has been on risk 21 days or more.

Q: Up to 4 Cars on Standard and Pay as You Go Policies....

A: You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided all vehicles are acceptable to our Underwriters. The policy cover you select will apply to all cars on the policy and you can cover up to 4 named drivers on a multi-car policy (provided they are acceptable to our Underwriters).

You can cover up to 4 cars on one policy provided all drivers are aged 25 or over and provided all vehicles are acceptable to our Underwriters. The policy cover you select will apply to all cars on the policy and you can cover up to 4 named drivers on a multi-car policy (provided they are acceptable to our Underwriters).

Q: What happens if you have not got my car on your eCar Insurance system?

A: In this instance, you should email ratings@ecarinsurance.com.au with the full details of the car.
If your vehicle is not listed; you should not use the nearest alternative as this could invalidate your insurance.

In this instance, you should email ratings@ecarinsurance.com.au if your vehicle is not listed; you should not use the nearest alternative as this could invalidate your insurance.

Q: How can I unsubscribe from your email list?

A: If you have got a quote from us, given your consent for us to email you and subsequently changed your mind, you can stop these emails by emailing helpdesk@ecarinsurance.com.au

If you have got a quote from us, given your consent for us to email you and subsequently changed your mind, you can stop these emails by emailing customerservices@ecarinsurance.com.au

Q: Will my policy renew automatically?

A: No, you will be sent a Renewal Invite prior to renewal date, you will need to log into your policy and choose to either renew or lapse. If you choose to renew, you will need to check the details are correct and proceed through to make payment.

No, you will be sent a Renewal Invite prior to renewal date, you will need to log into your policy and choose to either renew or lapse. If you choose to renew, you will need to check the details are correct and proceed through to make payment.

Q: What do I do if my renewal contains incorrect information?

A: When choosing to renew your policy it will take you to the quote screen, from this point you are able to go back and make necessary changes to your policy by clicking on the tabs on the top of the page. Please ensure you review your policy details on the summary page. Once details are correct proceed through to quote and payment screens.

When choosing to renew your policy it will take you to the quote screen, from this point you are able to go back and make necessary changes to your policy by clicking on the tabs on the top of the page. Please ensure you review your policy details on the summary page. Once details are correct proceed through to quote and payment screens.

Q: Can I make monthly payments for my policy?

A: Yes, provided that you are over 18 and have a bank account.

Can I make monthly payments for my policy?

Q: How can I pay for my car insurance securely online?

A: You can pay for your car insurance annually or monthly. Annual and PAYG payments can be made using either a Visa or Mastercard credit card or debit card, and BPAY. Monthly payments can be made from a nominated bank account by direct debit.

You can pay for your car insurance annually or monthly. Annual and PAYG payments can be made using either a Visa or Mastercard credit card or debit card, and BPAY. Monthly payments can be made from a nominated bank account by direct debit.

Q: How do I cancel or change my Direct Debit details?

A: Direct Debit payments are administered on our behalf by Principal Finance. If you need to make any changes to your Direct Debit payment(s) then you will need to contact them directly. They can be contacted on 08 8362 3644 and are available during business hours Monday to Friday.

Direct Debit payments are administered on our behalf by Principal Finance. If you need to make any changes to your Direct Debit payment(s) then you will need to contact them directly. They can be contacted on 08 8362 3644 and are available during business hours Monday to Friday.

Q: Do you charge for Credit or Debit Card Payments?

A: Payments by Debit Card attract no additional fees. Due to the additional charges imposed upon us by our bankers Credit Card payments attract an additional fee of 2%.

Payments by Debit Card attract no additional fees. Due to the additional charges imposed upon us by our bankers Credit Card payments attract an additional fee of 2%.

Q: Who is Principal Finance Pty Ltd?

A: Principal Finance Pty Ltd administers and manages our monthly premium plans. If you choose to pay your premium monthly, Principal Finance will email you a mandate form to complete and return to Principal Finance Pty Ltd.

Contact Details:
Principal Finance Pty Ltd
2 Beulah Road
Norwood SA 5067
Tel: 1300 137 037
Fax: 1300 580 227

Principal Finance Pty Ltd administers and manages the monthly installment plans. If you choose to pay your premium by direct debit/installments Principal Finance will email you a mandate form to complete and return to Principal Finance Pty Ltd.

Contact Details:
2 Beulah Road
Norwood SA 5067


Phone: 1300 137 037
Fax: 1300 580 227

Q: How do I make a claim?

A: It is important that you report any claim you wish to make against your eCar insurance policy as soon as possible.



To report a claim please telephone our claims notification helpline on 1300 552 018.



When you call have your current eCar certificate of insurance ready together with full details of the incident for our Claims operators to take down and they will provide every assistance to ensure the least inconvenience to you.



Phone numbers * Report a claim 1300 552 018 * Breakdown recovery incident 1800 008 616 * Windscreen incident- 1300 552 018

It is important that you report any claim you wish to make against your eCar insurance policy as soon as possible.

Q: What should I do if my vehicle is stolen?

A: You need to immediately report the vehicle stolen to the police and notify our claims department on 1300 552 018.

You need to report the vehicle stolen to the police and notify our claims department on 1300 552 018.

Q: What is an excess?

A: This is an amount you must contribute towards the cost of a claim. You can choose to increase your excess; this option is available at the quote screen.

This is an amount you must contribute towards the cost of a claim. You can choose to increase your excess; this option is available at the quote screen.

Q: Do I need to list windscreen or glass claims?

A: Claims for damage to windscreen or glass do not need to be entered in the accident/claims screen.

Claims for damage to windscreen or glass do not need to be entered in the accident/claims screen.

Q: Where can I view your Privacy Policy?

A: Our Privacy and Security policy can be found within our Product Disclosure Statement, which can be found on our website.

Our Privacy and Security policy can be viewed by clicking the link on left hand side of the home page.

Q: How can I contact you?

A: Contact us by emailing our friendly helpdesk at helpdesk@ecarinsurance.com.au.

Contact us by emailing our friendly helpdesk at helpdesk@ecarinsurance.com.au.

Q: Social, Domestic, Pleasure and Commuting - what does it allow me to do?

A: Social, Domestic, Pleasure and Commuting will allow all drivers to use the car for private use and to commute to a permanent place of work or study.

Social, Domestic, Pleasure and Commuting will allow all drivers to use the car for private use and to commute to a permanent place of work or study.

Q: What is SDP & Occasional Business Use ?

A:

Q: What is Private & Business Use ?

A:

Q: Do you provide cover for couriers?

A: No

No

Q: Can you offer insurance for carrying paying passengers, students, etc?

A: No, we do not insure the carrying of passengers for hire, reward or employment related purposes.

No, we do not insure the carrying of passengers for hire, reward or employment related purposes.

Q: What is the difference between a Rating 1, No Claim Discount and No Claim Bonus?

A: They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.

They are different terms for a scale that insurers use to rank your driving history and risk. Rating 1, NCD and NCB, all refer to a discount that is applied to the full premium.

Q: What are the benefits of purchasing car insurance securely online?

A: • Being able to take out insurance at a time that's suitable for you 24 hours a day, 7 days a week
• Don't have to sign any forms - ever
• No long phone queues

• Being able to take out insurance at a time that's suitable for you 24 hours a day, 7 days a week