Sometimes you may find that the technical language and 'jargon' of insurance can be confusing. This page should help you understand a bit more easily. If you are still unsure about any of our questions, please contact us on 01227 28 40 20 to ensure your policy meets your requirements.
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| > | Your vehicle |
| > | Modifications |
| These are any changes (including factory-fitted optional extras) which make your car different from the standard vehicle specification. Examples would be alloy wheels, spoilers, engine modifications etc. | |
| > | Imports |
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As the name suggests, imports are vehicles which were or are being brought into
the country. Generally speaking these fall into two categories: UK specification vehicles - these are brought in from abroad (normally Europe) but match UK specification. Non UK specification - these are brought in from abroad (normally outside of Europe) but don't match current UK specifications. | |
| > | Drivers’ details |
| > | Main driver |
| The main driver is the person who uses the vehicle the most. | |
| > | UK residency date |
| This relates to the time that you have been continuously resident in the UK prior to this insurance policy. | |
| > | Annual mileage |
| Approximately how many miles you think your car will travel in total this year. | |
| > | Non-motoring convictions |
| These are criminal convictions which you or other drivers under the policy may have and which are not spent. If you are unsure about whether you need to disclose one or not then you should, and we will ignore it if it is not relevant. | |
| > | Motoring offences |
| These are traffic offences such as speeding and drink-driving and will normally be found on your licence. | |
| > | Accidents or claims |
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These include any incident which could give rise to a claim. Fault/non-fault claim - what's the difference? Unfortunately, fault claims are not just those where you accept that you are to blame. The terms fault and non-fault relate to whether the insurer was able to recover all their costs from someone else. If they did not then it is a fault claim even if you aren't necessarily to blame. For example, a theft claim is regarded as fault. Regardless of this fault / non-fault distinction, glass claims are considered to be non-fault if they occur without any other claim being made. | |
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| > | Policy details |
| > | Different levels of cover |
| Third Party Only - There is no cover for your vehicle - Only cover for damage or
injury you may cause to someone else and/or their property. Third Party Fire & Theft - This is the same as Third Party Only but also covers your vehicle for damage caused by theft, attempted theft and/or fire. Comprehensive - This is the same as Third Party Fire & Theft but also covers your vehicle for damage caused accidentally or maliciously - as a result of an accident for example. | |
| > | Different use types |
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These can be very confusing, the following should make the situation clearer: Social, domestic & pleasure: This covers you for normal day to day driving, such as driving to visit family or friends, or shopping. This excludes driving to / from work. Social, domestic, pleasure & commuting: This is use for social purposes and for travelling to / from one permanent place of work (including part of a journey to work such as driving to a train / bus station). Business use by you: In addition to social and commuting, this allows you to use the vehicle in connection with your occupation but excludes use for hire & reward (taxiing) and commercial travelling (door to door selling) Business use by you & spouse: In addition to social and commuting, this allows both you and your spouse (or Civil Partner) to use the vehicle in connection with your respective occupations but excludes use for hire & reward (Taxiing) and commercial travelling (door to door selling) Your business use for all drivers: In addition to social and commuting, this allows all drivers to use the vehicle in connection with your occupation but excludes use for hire & reward (taxiing) and commercial travelling (door to door selling) If the additional driver has an additional occupation then using your vehicle in connection with his/her business is excluded. Personal business use for you and all drivers: In addition to social and commuting, this allows all drivers to use the vehicle in connection with your respective occupations but excludes use for hire & reward (taxiing) and commercial travelling (door to door selling) Commercial travelling: In addition to social and commuting, this allows all drivers to use the vehicle in connection with your occupation and includes use whilst the vehicle is engaged in commercial travelling (door to door selling). Hire & reward (taxiing) is still excluded. | |
| > | Voluntary excess |
| The amount that you voluntarily choose to pay towards the cost of a claim. This is in addition to any compulsory excess that will also apply to your policy. If you choose a voluntary excess you will receive a discount in premium. | |
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| > | No claims bonus |
| No claims bonus | |
| No Claims Bonus (NCB) is the discount that you have earned for the number of consecutive years that you have not made a claim. NCB must be earned separately for each car that you insure. | |
| > | Protected no claims bonus |
| Protected NCB (PNCB) means that you will be able to report 2 claims in 5 years without your NCB being reduced. The third claim in 5 years will result in a reduction of NCB. This does not mean that your premium will not increase at renewal if you make a claim as that still may be the case. It should mean that it will increase by less though. | |
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| > | Your insurance documents |
| > | Statement of fact |
| The Statement of Fact is a record of the information you give us, on which your policy is based. A paper copy of this will be sent to you once you have accepted your policy. It is your responsibility to check this document and inform us of any errors. (Please see ‘Accuracy of Information’ in our important information for more details). | |
| > | Schedule |
| The document which identifies the policyholder and sets out details of the cover your policy provides. | |
| > | Certificate of motor insurance |
| This document provides evidence that you have taken out the insurance you must have by law. It identifies who can drive your vehicle and the purposes for which your vehicle can be used | |
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