Car Insurance FAQs

Answers to some of your most common questions

Can I drive abroad and do I need a green card?

Your car insurance policy will provide the cover shown on your motor Schedule of Insurance for up to 60 days in any period of insurance while you are using the car within the countries referred to at https://www.mib.org.uk/

The UK left the EU on 31st January 2021 and an agreement with the EU has been reached which means that Green Cards will be required as proof of insurance when driving in the EU and EEA. 

You will need to carry a Green Card when driving in the EU and EEA. Those who travel without one may be breaking the law and may not be allowed to drive in the country they are visiting. Vehicles towing a trailer or caravan will also need a separate Green Card for the trailer or caravan.

If you require a Green Card for your vehicle and caravan/trailer - please contact us 21 days before you are travelling, and we will arrange for one to be sent to you. 

In addition to a Green Card, you will need to take your driving licence and V5C logbook with you and display a GB sticker on your vehicle. You may also need an International Driving Permit to drive in some EU/EEA countries.

Please keep an eye on this page and the following websites for further updates around any changes to requirements.

Driving Abroad

Vehicle Insurance and Driving Abroad

International Driving Permits

The Motor Insurance Bureau

Please check the UK government web site for details of if a GB sticker is needed on your vehicle.

 

How can I pay for my car insurance?

You can pay annually or in monthly instalments. To pay by monthly instalments you will need to enter into a credit agreement (subject to status). You can pay by credit / debit card or direct debit but your first payment must always come from a credit / debit card. 

Does it cost more to pay for my insurance monthly?

If you choose to pay by monthly instalments, you will be charged for the credit and this is indicated by the APR %. This means you pay more than you would for an annual lump sum payment arrangement.

Do Post Office offer No Claims Discount to named drivers?

We're afraid not.

How do I retrieve a saved quote?

Go to our car insurance application where you can retrieve your quote. Enter your quote reference in the "retrieve an existing quote" section and follow the instructions given.

How can I get hold of my motor policy documents?

You can download your document policy pack at the time of purchase or alternatively they can be posted out to you thereafter. Your certificate of insurance should arrive in the post within 7 working days of purchase. You can also access your documents online via the Self-Service Centre.

How do I renew my policy?

We'll send a renewal notice 28 days before your renewal date, which will give you instructions about any actions you may need to take.

What does Auto Renewal mean and how do I change this?

It means that your policy will renew automatically when your policy comes up for renewal next year. It is a convenient stress-free way of staying insured. We’ll send a reminder 28 days before your Renewal date so you can check the details and make sure you are still happy to go ahead.

If you change your mind and want to opt out of an automatic renewal it is easy to do. Either go onto Your Account or call the Contact Centre to make the change.

What happens if I have a car accident?

Please call the claims helpline on 0345 073 1005.

Can I claim back unused insurance if my car is written off?

Please call us on 0345 073 1002 where further information and assistance will be available to you in the event of a claim.

How can I cancel my car insurance?

Please call us on 0345 073 1002. Charges and fees may be applicable when cancelling your policy before or after the 14 day cooling off period. Please see policy documents for full details.

Due to my type of occupation I cannot work from home and because of the impact of Covid-19 must drive to my work - do I need to extend my cover?

If you need to drive to a single place of work and you have commuting cover, your insurance cover is still valid. If you don’t have cover for commuting, you will need to contact us to update your cover.  

I'm volunteering and using my own vehicle to help others get essentials - do I need to amend my motor insurance cover?

If you’re using your own private car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, your cover will not be affected. You don’t need to contact us to update your cover.

I'm a key worker and I'm now using my vehicle for work purposes - do I need to extend my motor insurance cover?

If you’re a key worker and using your own car to drive to different locations for work purposes because of the impact of Covid-19, you will need to contact us to update your cover.

I'm worried that I might not be able to continue to make my payments - can you help?

Yes, we’re here to help. We’re aware that there may be an impact on people’s livelihoods due to Covid-19. If you think you may be unable to maintain your regular policy payments, please contact us as soon as possible on 0345 073 1002. Our opening hours are Monday-Friday 8am-8pm, Saturday 9am-5pm, Sundays – closed, Bank Holidays 9am-5pm.

We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help including; moving your payment dates, agreeing partial payments or payment holidays in the short term and removing any fees applied to your policy.

Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us in the first instance.

Call charges

0330 & 0345: Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Can we help?

To get a quote call:

0330 018 3770 8am - 8pm, Mon - Fri
9am - 5pm, Sat
10am - 4pm, Sun & Bank Holidays

To speak to our Customer Service team call:

0345 073 1002 8am - 8pm, Mon-Fri
9am - 5pm, Sat
10am - 4pm, Sun & Bank Holidays

To renew your policy call:

0330 018 4082 8am - 8pm, Mon - Fri
9am - 5pm, Sat
10am - 4pm, Sun & Bank Holidays

Claims

To make a claim call:

0345 073 1005 Open 24 hours a day

Next Generation Text Service


We welcome calls from the Next Generation Text Service. If you want to communicate with one of our representatives add 18001 before the number you require.

Log in or register to use our Self Service Centre where you can access your policy, download your documents and make adjustments to your policy.

Book a windscreen repair or replacement using the Auto Windscreens online booking service.