Yes, providing you have a debit or credit card we can start your cover immediately. If you wish to pay by direct debit you will also need to have your bank details to hand.
You cannot amend the date a policy is due to start. Please call our cancellations team on 0333 321 9788, who will be able to cancel your policy and requote you for the correct start date.
Yes, we use industry standard Secure Socket Layer (SSL) 128-bit encryption technology to keep your personal information and credit/debit details as secure as possible.
As part of our ongoing commitment to reduce insurance premiums it is vital that we reduce fraudulent claims. We randomly spot-check the information provided by customers to ensure it is accurate, as this is how the insurers rate policies and determine price.
To help with this, you have been randomly selected to send us your documentation in order to validate your insurance policy. We will return the documents to you securely.
Providing you have comprehensive cover and you use the nominated repairer you will get a courtesy car for the duration of your repair once the work has started. This is subject to availability and not available in the event of a total loss claim. Should the nominated repairer experience any delays with the repair which are outside of their control, they reserve the right to withdraw the courtesy car.
Providing you have comprehensive or Third Party Fire & Theft cover and you use your insurer's nominated repairer you will get a courtesy car for the duration of your repair once the work has started. This is subject to availability and not available in the event of a total loss claim. Should the nominated repairer experience any delays with the repair which are outside of their control, they reserve the right to withdraw the courtesy car.
Yes, you're covered to drive anywhere in the European Union, Iceland, Norway, Switzerland, Liechtenstein, Andorra and Serbia. The level of cover and number of days vary, so check your policy documents for full details.
If no Brexit deal is reached, or a transitional period agreed, from the date the UK leaves the EU, you'll need to provide a Green Card at European borders to prove you're insured.
We can send you a new certificate, however a fee of £5 may apply.
Please call customer services on 0333 321 9679
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Yes, if you have a People's Choice comprehensive policy you are usually automatically covered for replacement or repair of a windscreen.
Yes, providing you are over 25 when you take out your policy with us, most People's Choice policies cover you to drive any other private car on a third party only basis, provided the vehicle is insured, the owner has given permission and it is not owned by yourself as the policyholder. Hire purchase or lease agreed vehicles are not permitted and this is for the policy holder only, named drivers are not included.
This is subject to terms and conditions shown in your policy and where this cover is provided it will be clearly stated on your certificate of insurance.
Any modifications that improve your car's value, performance, handling or attractiveness may be unacceptable. Please call one of our sales advisors on 0333 321 9788 for confirmation.
For security reasons, we can only deal with you, the named policyholder. You can, however, nominate another person to contact us on your behalf if necessary. You will have to provide permission and the nominated person(s) details. For security purposes, we will keep their details on file. Named drivers do not automatically have authorisation to discuss the policy or make any amendments, unless you have given permission.
Monday–Friday | 8am-7pm
Saturday | 9am-5pm
Sunday | 9am-1pm
Bank holidays | 9am-5pm
Amendments to your policy may include a charge of £25 plus the insurer charge. Please see Our fees for details.
You can call us at anytime to advise if you have incurred a conviction. However, it does not need to be added onto your policy until your next renewal.
Yes, your address details are one of the criteria your policy is rated on. Your premium will be adjusted accordingly. Please call our customer services team on 0333 321 9679 for details
Yes, providing they meet with the insurer's terms and conditions. Please call our customer services team on 0333 321 9679 for a quote.
If your licence type changes after you have taken out a policy you are required to let your insurer know. Changes to your licence can cause your premium to change substantially. Examples of changes to licence can include: provisional to full license or change of licence category. Further information on driving licences can be found at GOV.UK Driving licences.
If you need to update your policy or have any other questions relating to this topic please contact our Customer Services team on 0333 321 9679 who will be happy to help you.
Yes, providing you have 4 or more years we can usually protect this for an additional premium. We may also be able to offer protection if you have 1 year, although the premium will be higher.
Protected no claims will ensure your discount remains intact even if you have an accident and need to make a claim. To remain eligible, you can make up to two claims in a three year period.
No claims discount protection does not protect the overall price of your insurance policy. The price of your policy may increase following an accident even if you were not at fault
We will always try to contact your previous insurer to confirm your no claims discount. As long as you have provided their details, you should not have to send in any documents. However, if we cannot confirm this information, we will ask you to send in either your most recent renewal invite or a letter confirming your no claims discount from your previous insurer.
You will need to discuss your options with our accounts team. Please call 0333 321 9679 .
You will need to discuss your options with our accounts team. Please call 0333 321 9679 .
If you make any changes to your policy your remaining direct debit instalments will be adjusted accordingly.
No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance please call our cancellations team on 0333 321 9679 Fees apply.
Yes, to make things easier for you, in most cases we operate on an automatic renewal basis. Your renewal documents will clarify what type of policy you have and whether it is set to automatically renew.
If you would prefer us not to automatically renew your policy please call our renewals team on 0333 321 9679 .
Please call our renewals team to cancel on 0333 321 9679 .
No, the cancellation fees are only applicable once the policy is in force.
We will need to see a copy of your certificate from your new insurer. Providing the certificate shows you took the policy on your renewal date we will issue a refund of any payment we have taken and cancel your renewal from the inception date.
Any claim that is still being resolved will affect your renewal price. It will be assessed as a worst case scenario in all cases and once the claim is settled your premium will be adjusted accordingly.
Unless you've opted out, your policy will renew automatically on your renewal date. Auto renewing doesn't cost any more, it just keeps things simple for you and makes sure you're never left without insurance.
If you want to stop your policy from renewing, give us a call on 0333 321 9750 . You can also opt out of auto renewal at any time by changing your preferences in MyAccount. This will make sure that, unless you tell us otherwise, your policy will end on your renewal date and you’ll no longer be insured by us.
If you don't want to renew because you’ve had your renewal quote and aren't happy with the price, please call us on the numbers below. We can talk you through your options and may be able to find a better solution.
There are lots of ways to get in touch.
Your renewal invite will be available in MyAccount around three weeks before your renewal date. All you need to do is log in and check the details are correct and you're happy with your renewal price. If you want to go ahead, simply go to the renewals section to accept your renewal and arrange payment (if required).
Your renewal price should match the price you would be offered for a like-for-like quote as a new customer. If you do find a new quote from us that has the same details but is a cheaper price, just get in touch on 0333 321 9750 and we’ll take a look.
If you want to talk to us about your quote or you've found a better price with a different insurer, please do get in touch on 0333 321 9750 . We can go through all your options and are often able to find a better solution for you.
You can update your policy in MyAccount up to three days before your renewal date. Simply:
1. Log in, select View policy and choose the policy you want to change.
2. Select the change you want to make and add your new information.
3. You'll be given a quote, which includes any change to your total price and any fees you need to pay.
4. Select continue if you want to go ahead. If the change lowers your price you'll be due a refund. Or if your price has gone up, you can choose how to pay.
Unless you’ve opted out, your policy will renew automatically on your renewal date. So, if you're happy with your renewal quote and we have payment details for you, there's no need to do anything.
However, we may have asked you to get in touch if, for example, your payment card is expiring so please call us on 0333 321 9750 .
In most cases, you can pay online in MyAccount.
1. Log in and select Renewals.
2. Follow the instructions on how to make a payment.
3. If you get stuck, just start a webchat and we'll guide you through the steps.
Your policy will still renew without payment but you’ll need to arrange payment as soon as possible to avoid any charges.
Please get in touch as soon as possible on 0333 321 9750 .
We can talk you through your payment options and may be able to find a payment plan that's more affordable for you.
Please don’t cancel any payments or Direct Debits without speaking to us first. Missing payments means you run the risk of your policy being cancelled and we don't want you to be left without insurance.
All you need to do is give us a call on 0333 321 9750 . Your policy will then end at 11.59pm on the day before your renewal date. You'll no longer be insured by us so please make sure you've got alternative cover elsewhere.
Yes, you can. Auto renewing doesn't cost any more, it just keeps things simple for you and makes sure you're never left without insurance.
If you want to stop your policy from renewing, give us a call on 0333 321 9750 . You can also opt out of auto renewal at any time by changing your preferences in MyAccount. This will make sure that, unless you tell us otherwise, your policy will end on your renewal date and you'll no longer be insured by us.
Your renewal invite will be available in MyAccount around three weeks before your renewal date. All you need to do is log in and check the details are correct and you’re happy with your renewal price.
Unless you’ve opted out, your policy will renew automatically on your renewal date. Auto renewing doesn’t cost any more, it just keeps things simple for you and makes sure you’re never left without insurance. If you’ve opted out of automatic renewals, please call us on 0333 321 9750 to let us know you want to stay or simply opt back in to renew automatically.
If you've found a better quote – please do get in touch on 0333 321 9750 . We can go through all your options and are often able to find a better solution for you.
If you're worried about paying - Please get in touch as on 0333 321 9750 soon as possible. We can talk you through your payment options and may be able to find a payment plan that's more affordable for you. All conversations are confidential and if it's easier, we can talk to a relative, friend or debt counselling organisation about your account - we'll just need your OK first.
If you need to change your details - You can update your car insurance in MyAccount up to three days before your renewal date. Simply:
1. Log in, select View policy and choose the policy you want to change.
2. Select the change you want to make and add your new information.
3. You'll be given a quote, which includes any change to your total price and any fees you need to pay.
4. Select continue if you want to go ahead. If the change lowers your price you’ll be due a refund. Or if your price has gone up, you can choose how to pay.
5. If you don't want to carry on, select Cancel changes.
Yes, you can renew your car policies in MyAccount.
However, unless you’ve opted out, your policy will renew automatically on your renewal date. So, if you're happy with your renewal quote and we have payment details for you, there's no need to do anything.
If you've previously told us you didn't want to renew automatically, making a renewal payment before your renewal date will mean your insurance continues for another year. Simply:
1. Log in and select the Renewals tab.
2. Select accept and then fill in your card details to pay.
Your renewal price should match the price you would be offered for a like-for-like quote as a new customer. If you do find a new quote from us that has the same details but is a cheaper price, just get in touch on 0333 321 9750 and we’ll take a look.
Unless you've opted out, your policy will renew automatically on your renewal date. If you don’t want this to happen, just give us a call on the number below. Your policy will then end at 11.59pm on the day before your renewal date and you won’t be charged anything. You'll no longer be insured by us so please make sure you've got cover elsewhere.
Alternatively, you can call us on 0333 321 9750 on to let us know you don't want to renew with us.
If your policy automatically renewed but you're insured elsewhere
No problem, just call us on 0333 321 9750 and we'll cancel your policy from your renewal date without charge. Your new policy needs to have started on your renewal date so we may ask you to send a copy of your new insurance certificate to confirm this.
You also have a 14-day cooling off period from your renewal date to cancel without paying a cancellation fee. However, you'll still need to pay for any days you've been insured for from your renewal date.
Yes, your renewal should match the price you would be offered for a like-for-like quote as a new customer.
If you decide to shop around and find a cheaper quote from us online, the first thing you need to do is check the details to make sure all the information is like-for-like and it’s the same type of policy. If everything matches, all you need to do is get in touch on 0333 321 9750 so we can take a look.
You should also contact us if you have any questions about your renewal or you want to know what other options are available. Most people who talk to us end up staying, so it’s worth a quick call to chat it through.
If you need to report a claim, you must report it as soon as possible and call our 24 hour helpline, details of which are in your policy documents.
All claims should be reported as soon as possible and, at the latest, within 48 hours of the incident.
By notifying us as soon as possible about an accident, we can settle your claim quicker and, if your car is repairable, notify one of our approved repairers as soon as possible. Furthermore, quickly notifying us of the accident means the details of the incident are fresh in your mind and will help us mitigate the costs involved in dealing with your claim, helping us to keep our prices as low as possible.
If the cost of the repairs is more than your vehicle's current market value, it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss. In these cases, we will make you an offer for your vehicle based on it's market value. Please refer to your policy booklet for full details.
Once you have registered a claim, our Validation team will arrange a telephone conversation with you to discuss the circumstances and what will happen next.
These are costs you may incur as a result of an accident, that are not already covered by your motor insurance policy. For example, the policy excess. If you have additional products on your policy, like legal protection, the provider may be able to assist in recovering reasonable costs from the person responsible.
Our main concern is to get your vehicle repaired or settlement out to you if it is a total loss. We will then try to recover our outlay from the responsible party. If we are successful then making the claim will not affect your no claims discount.
If you have a comprehensive policy we will arrange for your vehicle to be repaired or settled on a total loss basis, we will also endeavour to contact the third party and assist them in settling their claim as quickly as possible. If you receive any correspondence from any other parties involved in the incident please forward it to us and we will try and respond on your behalf.
Every claim is different so we are unable to put a timeframe on how long it will take to conclude. We will, however, endeavour to process your claim as quickly as possible with minimal disruption and keep you informed every step of the way.
This is an additional product. Our legal expenses cover, managed by Arc on behalf of Inter Partner Assistance SA, provides you with assistance when claiming for the following in the event of an accident that is not your fault.
You are not covered for:
The insurer is Inter Partner Assistance SA. Full terms and conditions can be found in our optional extras booklet. You may be able to get legal support after an accident without this policy, but you would need to arrange this yourself.
Personal accident is an optional extra available to you. It provides valuable benefit for death or certain specified injuries following an accident in the insured car. Also, cover is provided for your clothing and personal effects following a road rage incident. Please check your policy documents to see if this is included. If you would like to add this to your policy call 0333 321 9679 for details.
Some extras can be added at any point in your policy, please call our customer services team on 0333 321 9679 for details.
Breakdown cover is not included in your policy; however it is available as an optional extra.
We offer four levels of breakdown cover; roadside recovery, UK recovery, home service, and European cover. If your vehicle can't be driven because of a breakdown, your insurer will arrange for the service as shown below.
| Service | Roadside | Roadside & Recovery |
Roadside, Recovery & at home |
European motoring assistance | |
|---|---|---|---|---|---|
| Misfueling in the UK | |||||
| UK-wide coverage | |||||
| Roadside assistance | |||||
| Caravan and trailer service | |||||
| Recovery away from home | |||||
| Emergency driver | |||||
| Cover at home | |||||
| Cover in Europe |
You can cancel your policy at any time. Cancellation, however, is subject to our fee — which is £25 if cover has not started or within the first 14 days and £45 at all other times — plus whatever your insurer will charge for your time on cover. Please see full terms and conditions for details.
No, in most cases we can simply change your vehicle details on your policy. Depending on your new vehicle, the premium will be adjusted accordingly. Please call our customer services team on 0844 879 3103 for a quote.
Please call our renewals team to cancel on 0333 321 9679 .
Cancellation is subject to our fee — which is £25 if cover has not started or within the first 14 days and £45 at all other times — plus the insurer charge for your time on cover. Please see full terms and conditions for details.
No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance you will need to speak to our cancellations team and cancelling is subject to our fee — which is £25 if cover has not started or within the first 14 days and £45 at all other times — plus whatever your insurer will charge for your time on cover.