Here are some of the more common questions that we get:

Q - Who is the insurance company?
A - With perhaps one of the most comprehensive online car insurance quote systems available, we search for the lowest possible quote from over 450 policies - immediately online. Our policy's are provided by the countries leading insurers including AXA, CGU, Cornhill, Fortis, NIG Skandia, Lloyds of London, Royal Sun Alliance, Norwich Union, Eagle Star, Zurich and many more.

Q - What is no claims bonus and how does it affect my premium ?
A - Your no claims bonus is a reward for remaining claim free. It rises on a scale up to 9 years. The more bonus earned the cheaper your premium will be. Your No claims bonus can be protected, this facility is normally available when you have been claim free for 4 - 5 years. Protected no claims bonus will not have been included in your online motor quotation.

Q - How often do premium prices change?
A - Premiums increase or decrease as each insurance company assesses the costs of transacting business, usually on a monthly basis. Insurance companies have generally been losing money over the last few years and as such will be seeking to increase rates over the next few months.

Q - My car has been "Modified". Do you need to know, and will it affect the cost of my cover ?
A - We do need to know and it may well affect the cost of your policy. Make sure you tell us when you ring up take out your cover if your car has been modified so we can ensure you are fully covered.

Q - How can I tell which alarm I have?
A - All alarms are categorised by 'Thatcham' (a motor research institute). Some insurers will give discounts for various alarms but not for others. To obtain a discount for an alarm or immobiliser you must specify the exact alarm by referring to the alarm documentation provided at the time of purchase. If you do not have such information insurers will not grant discounts.

Q - Why did my online car insurance quotation not give me a price ?
A - Please bear in mind that heavy numbers of users impact on the service and performance of the quotation system. Heavy web traffic can increase the time it takes for your quotation to be processed and in extreme cases may lead to your quotation timing out.

In addition, there are several reasons why you may not receive a quote from the insurers. You may not have entered your details correctly and the insurers will detect an anomaly in the data that you have provided. This may simply be due to an error of data entry. You can review the data that you have entered, correct the error and proceed with the quote.

Q - What should I do if all insurers decline my request for insurance?
A - There are several reasons why insurers might decline to quote. You may not have entered your details correctly and the insurers will detect an anomaly in the data that you have provided. This may simply be due to an error of data entry. You can review the data that you have entered, correct the error and proceed with the quote.

It is quite possible that no insurer is willing to quote because they consider that the risk is unacceptable. The risk could be unacceptable because of your driving record or convictions or age or car.

Q - Am I entitled to a courtesy car ?
A - Most insurers will provide a replacement vehicle following an accident as long as an approved repairer is used, subject to availability. Our claims department will be able to confirm these details for you.

Q - Who do I pay my excess to ?
A - If a policy excess is applicable, it is payable to the repairing garage upon completion of repairs.

Q - Is my excess recoverable ?
A - If you are involved in a non fault accident and there is a third party to claim from, you should be able to recover the excess. If you have purchased our unique legal expenses cover we can assist in the recovery of your policy excess along with any other losses or out of pocket expenses from the third party.

Q - Can I get emergency repairs done ?
A - You can have urgent remedial repairs completed (eg leak on a sink fixed). You cannot replace damage caused by the accident without first consulting your insurance company first and obtaining their agreement and approval.

Q If I have a small accident should I make a claim?
A - If you have a small accident such as a dent or broken light where there is no other car involved you may be better off repairing the damage at your expense rather than claiming on your insurance and possibly losing your no claims bonus. Look at the excess on your policy and make the appropriate decision. Be aware that any bodily injury should be reported to the police.