Motor Insurance

Yes, it can. Insurers use your job title as one of many factors to assess risk. Different professions carry different levels of perceived risk, even if they seem similar. Always be accurate, but if your role could be described in more than one way (e.g., “copywriter” vs. “writer”), we can help you choose the most appropriate version that reflects your job honestly and may work in your favour.

Absolutely. You can insure multiple vehicles—either under separate policies or, in some cases, with a multi-car setup. We’ll guide you on the best approach for your situation and help you keep everything streamlined and cost-effective.

 Paying annually usually works out cheaper overall, as monthly payments often come with added interest or admin fees. However, monthly payments can offer helpful flexibility. We’ll always explain the cost difference clearly so you can choose what works best for your budget.

Not always, but if you choose to pay monthly, a credit check is usually required by the finance provider offering the instalment plan. For annual payments, this typically isn’t necessary. We’ll explain any checks clearly before proceeding.

Your estimated annual mileage helps insurers understand your road exposure. More miles often mean more risk, so it can impact your premium. Look at recent MOTs, service history or app-based trackers to estimate it. If you’re unsure, we can help you come up with a realistic figure based on your routine.

Start with a realistic market value—not what you paid or what it means to you sentimentally. Use online valuation tools or check listings for similar vehicles. If you’re unsure, we’ll walk you through the process to make sure you’re covered fairly.

Our quotes are usually valid for 30 days, unless there’s a major change in underwriting criteria or your details. We’ll always honour your quote within that period as long as nothing significant changes.

Yes, most policies come with cancellation fees, especially if cancelled mid-term. You might also be charged for the time you were insured. We’ll always be upfront about any charges, so you know where you stand before making any decisions.

You can contact your insurer directly using the claims number provided in your documents. If you’re unsure or need guidance, give us a call—our team is happy to talk you through what to expect and how to proceed, step-by-step.

Claims might be rejected if the information you provided was inaccurate, if the use of the car wasn’t covered by your policy, or if exclusions apply (like driving under the influence). That’s why it’s crucial to be transparent when taking out your policy—and why we double-check the details with you upfront.

It can, depending on the nature of the claim and whether your insurer paid out. Even if you weren’t at fault, insurers may see a claim as a higher risk factor. But don’t worry—we work with multiple insurers and always look to secure you the best deal based on your circumstances.

They might. Having a parent as a named driver (not the main driver unless they really are) can sometimes reduce your premium. However, insurers take a dim view of “fronting,” so we’ll make sure everything is set up legitimately and to your advantage.

If your car is declared SORN (Statutory Off Road Notification), then no, you don’t need insurance. But if it’s parked on a public road—even if you’re not driving it—it must be insured by law. We’ll help you decide what’s best for your situation.

 They can, particularly for new or younger drivers. Courses like Pass Plus or IAM can show insurers you’re serious about safety. Some insurers reward that with lower premiums—we’ll let you know if it makes a difference on your quote.