Frequently Asked Questions: Car Insurance

How do I apply for car insurance?

To apply for car insurance online, please click through to our car insurance page on the QuoteSearcher site. You will then have to click to get a quote, at which point you will be directed to the quotation form that you will need to fill out in order to then retrieve a quote.

What should I do if I want to amend my insurance policy?

If you wish to amend your car insurance policy, you should contact your insurer by telephone or by email. They will then deal with your request appropriately. Most insurance providers will allow you to amend your policy at any stage.

If my car is garaged, alarmed and immobilised, will this help?

If your car is garaged, alarmed and immobilised it will likely result in you being offered a discounted premium for your car insurance quote. However, to receive a quote you will not necessarily need to have any of the above.

What is Pass Plus?

Pass Plus is training course that is aimed at new drivers. It was designed by the Driving Standards Agency (DSA). Statistics show that new drivers are more likely to have an accident in the first two years after passing their test. Pass Plus is designed to build on your skills and knowledge and it will […]

I have fully comprehensive car insurance, can I drive another vehicle?

You will need to check your certificate of motor insurance in order to see whether you are eligible to drive any other vehicles with your particular insurance policy. It may be possible to adapt your insurance policy in order to allow you to drive other vehicles. This is something you must discuss with your insurer.

How will I know if a car has been imported?

You will need to check the specification. A UK specification means that the car has been made specifically for the UK. A non-UK specification car can be difficult to insure because parts for it may not be available in the UK. Car insurance premiums may therefore be higher for imports.

I am buying a new car and I want to transfer my existing policy to my new vehicle. How do I do this?

You will have to contact your car insurer. As an existing customer you would probably have all the telephone details already. You may find that there will be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.

Once I’ve purchased my policy, is cover immediate?

Yes, if you pay online via a credit or debit card, or set up a direct debit, you will be covered immediately by your car insurance policy. Shortly after, you will then receive your policy documents. If you are any doubt however, then contact your insurance provider in order to find out.

How much can I expect to pay for first time car insurance?

There is no set price when it comes to insurance, and so it would depend on a number of factors, such as your driving history, your address, the type of vehicle, the engine capacity etc. Once you have filled out a form you will be offered a number of car insurance quotes.

Will my car insurance cover track days or any form of competition racing?

Racing, competitions, rallies, trials, track days and 4×4 off road events are not covered under a normal car insurance policy. It may be that you can purchase a special type of insurance for such events. If you wish to seek any further insurance advice about participating in such events, then it may be worth speaking […]

My car has been stolen, what shall I do?

You should inform the police immediately and then notify your car insurance company. Most insurers wait between 4-6 weeks for the vehicle to be recovered prior to paying a theft claim so be prepared to wait a while in case your car is recovered.

Can I use my no claims discount on more than one car?

Unfortunately you will only be able to use your no claims discount on one car at a time when applying for a car insurance quote. A no claims discount is a fantastic perk of car insurance, and it can be earnt over a given number of years.

If my car has been modified, will it be more difficult to arrange car insurance?

Modified cars are certainly more difficult to source car insurance quotes for. Most insurers prefer to cover vehicles by volume and are therefore not keen to manually scrutinize risks on an individual basis, this restricts the available insurer markets. Modified cars are also likely to have higher premiums as they will carry more risks.

I do not know the registration number of the vehicle I want to insure, can I still get a car insurance quote?

It will be beneficial to have the registration number of the car, as the vehicle details, such as, model, fuel and transmission type etc., will be generated from this. However, if you do not know the registration number, or you are searching for insurance on a new car which has not yet been registered, it […]

What will happen if I do not have car insurance?

It is a illegal to not insure your car. If you are found to be breaking the law by not having car insurance, you could be heavily fined and even sent to prison. You could also be disqualified from driving.