Insurance Help Centre

We offer a range of insurance packages to suit your needs, find out more with our frequently asked questions.

It's required by law. At the minimum, you need to insure your car against third-party claims, in case you injure someone or damage their car or property.

There are three common types of cover in the UK:

Comprehensive
Third party, fire and theft
Third party only

To take out our car insurance, you'll need to provide details of your vehicle, plus driver details, planned vehicle use, annual mileage and any no-claims discount.

For each full year you drive without making an insurance claim, you (the policyholder) benefit from a no-claims discount (NCD).

Yes. You'll find this information on your motor insurance renewal notice (the original, please, not a copy.) We'll also accept a policy schedule or letter from your previous insurer confirming who the NCD applies to, when it was earned and the amount of discount earned. We only accept proof of NCD earned in the UK and where the previous insurance policy expired less than two years ago.

The more you drive, the more likely you are to be involved in an accident. So a mileage estimate helps an insurer work out your premium.

Please let us know about any changes to the information in your statement of insurance, certificate or schedule of insurance. This includes (but isn't limited to) changes that relate to your policy document details. For example:

Replacing your vehicle with another one
Modifications or non-standard accessories, including changes to the engine, suspension, brakes, body, exhaust or wheels
Ownership or use of the vehicle
The address where any documentation needs to be sent
The address where the vehicle is usually kept overnight
People who'll be driving the vehicle
Driving convictions relating to any of the insured drivers, other than fixed-penalty parking offences
Motor accidents, claims or losses of any insured driver
Medical or physical condition changes that affect the ability to drive of any insured driver
The level of motor insurance cover required
The class of use required
Adding or cancelling Motor Legal Protection
Any other information on which the motor insurance is based (in other words, the details you gave when you applied for the insurance)

It's important you tell us straightaway about any change to your policy, or your cover may become invalid. This could result in you not being insured, or claims being rejected.

If you're unsure whether we need to be informed, please check with us.

Motor Legal Expenses is an optional cover. It can be used to recover any excess you have to pay as a result of a loss that wasn’t your fault. Or if you're injured and unable to work due to an accident, it could help you claim back any loss of earnings.

We need to know about claims or motoring convictions for you and any named drivers in the last 5 years. As with any insurer, we take all relevant information into account when creating your quote.

Any alteration made to the manufacturer’s original specification counts as a modification. You need to let us know about any change that may affect the car's performance, handling or appearance (including changes to the engine, suspension, brakes, body, exhaust or wheels). If you're not sure, please ask us.

For car insurance policies, you may be covered to drive someone else's vehicle. This cover is third party only and doesn't apply to any vehicles owned by or registered, hired, rented or leased to you. To see if you have this cover, please check section 5 of your insurance certificate.
For commercial vehicle insurance policies, you aren't covered to drive other vehicles.

All cars are put into insurance groups ranging from one to 50 to help insurers work out the cost of cover. Cars in group one are the cheapest to insure, while those in group 50 are the most expensive. High performance or top-of-the-range models are likely to be in the higher groups.

To help keep costs down, it’s always worth getting a range of quotes from different car insurance providers. You can check what insurance group your car is in by going online and searching ‘Car insurance group checker’.

Why do I need car insurance?

What are the different types of car insurance?

What details will I need to provide?

What does 'no-claims discount' mean?

Do I need to give evidence of my no-claims discount (NCD)?

Why do I have to state my annual mileage?

What changes in my circumstances do I need to tell you about?

What's legal cover and do I need it?

I have penalty points. Will this affect the cost of my insurance?

What counts as a modification to my car?

Does my insurance let me drive other people’s cars?

What are insurance groups?

The voluntary excess is the amount you volunteer to pay towards a claim, and in turn, may reduce your insurance premium. Any voluntary excess chosen is in addition to any compulsory excess.

This is a fixed sum that you must pay as the first part of any claim. More than one excess can apply to your policy (see your schedule for details), and you must pay all of these as part of any claim.

Each policy has a £100 compulsory excess that you must pay in the event of a claim. Any additional excesses are shown on your schedule. These may apply for:

Young drivers
Some kinds of vehicle
Modifications
Protected no-claims discounts

If you've also chosen a voluntary excess, this will apply on top of any compulsory excess. You'll find details on your policy schedule.

If you and another person are involved in an accident that's not your fault and you have our optional Motor Legal Protection policy, you may be able to claim back your excess from the other driver's insurer.

You may be able to claim back your excess from a third party if they're at fault. Alternatively, if you choose our optional Excess Protection cover, you can claim back some or all of the excess on your policy, subject to limits. This doesn't apply to windscreen excesses - please read the terms and conditions.

If your windscreen has to be replaced and you have Comprehensive cover, you'll pay the windscreen replacement excess that's shown in your schedule.

If your windscreen can be repaired, you won't pay any excess.

What is a voluntary excess?

What is a compulsory excess?

What excess do I pay?

Can I claim back an excess?

When would I pay a windscreen excess?

You can choose to pay your premium in one lump sum or monthly, and by debit card or credit card. Here are the payment cards we accept:

Visa
Mastercard
Maestro
Delta/Visa Debit
Visa Electron
Mastercard Debit

We'll send you a renewal notice in good time before your existing insurance policy ends. This will contain details of the new policy on offer, including the premium and any changes to your cover or service.

If for some reason we can't offer cover, we'll also let you know in good time.

Paying a lump sum is cheaper. If you prefer to pay in monthly instalments by direct debit, you can benefit by spreading the cost over a year. This costs a bit more and is subject to our terms and conditions.

When you pay for your policy by direct debit, the loan agreement is regulated by the Consumer Credit Act 1974. This allows you to cancel your credit agreement within 14 days of receiving your paperwork, without a penalty.

In this event, you'll need to pay your policy premium in full to continue your contract of insurance with us.

Your payments will continue automatically only if the renewal offer says that your policy will automatically be renewed.

This is why you need to check your insurance renewal notice carefully. If the offer doesn't state that your policy will automatically be renewed, you won't be insured unless you call us to agree it.

You can change your auto renewal preference at any time.

How do I pay for my policy?

How do I renew my policy?

Is it cheaper to pay my insurance monthly or in a lump sum?

Will my cover payments automatically continue after renewal?

If you or a third party need to make a claim, please call us as soon as you can.

Call our claims helpline on 0330 678 1106

For a windscreen claim, call our claims helpline on 0330 678 1143

Annual Vauxhall Insurance:

Don’t want to continue with your policy? You can cancel your policy at any time, you have a 14 day cooling off period from the start date of your policy. If you cancel during the cooling off period, you will be charged the premium for the time you have held your policy, assuming there has been no claim or incident, plus a cancellation charge of £25. This also applies if you choose to cancel your policy within 14 days after the renewal date.

If you are cancelling outside of the cooling off period you will be charged the premium for the time you have held your policy, again assuming there is no claim or incident, plus a cancellation charge of £50. Additional products are non-refundable after the 14 day cooling off period.

If you wish to cancel your policy or discuss this further, please call 0330 678 1125.

Opening hours are Monday to Friday 9am to 6pm and Saturday 9am to 1pm.

Free To Go* Cover:

As this is a free, limited period policy there is no cancellation clause.

Short Term Insurance:

You can cancel your insurance at any time by emailing: support@dayinsure.com

If you cancel the policy before cover has commenced, you will be entitled to a full refund of premium. If you cancel the policy after cover has commenced, and provided there have been no claims or incidents likely to result in a claim, you will be entitled to a return of premium (this is not on a pro-rata basis).

Young Driver Insurance:

To cancel your policy or find out how much you will be charged, please go to https://www.rac.co.uk/insurance/black-box-insurance/existing-customers

How do I make a claim?

How can I cancel my car insurance?

Will I be charged if I cancel my policy?