Cheap Motor Car Insurance FAQs

Do I need to complete a claim form?

To speed up the process of claims, most auto insurance companies will complete a claim form on your behalf over the telephone. This saves time for the policyholder and insurers, enabling the claim to be processed more quickly and efficiently. The auto insurance company will then send you a ... read more
Date - 03/10/2006

What is an excess?

An excess is the first amount of any claim that you are required to pay. For example if your policy car ries a £100 excess you will need to pay this amount and your auto insurance company will pay anything above this amount.pay anything above this amount.  read more
Date - 03/10/2006

When do I have to pay my policy excess?

If you hold a comprehensive policy and are involved in an accident or your vehicle is stolen you are required at all times to pay your policy excess either to the repairing garage, or if your vehicle is beyond economical repair the amount will be deducted from the settlement cheque. If the acci ... read more
Date - 03/10/2006

Can I claim back my excess?

You may only claim your excess back if you are involved in an accident that was the responsibility of another party. The claim must be submitted to the insurers of the responsible party, where subject to liability being agreed they will reimburse your excess.  read more
Date - 03/10/2006

What is an uninsured loss claim?

Uninsured losses are costs that are not covered by your insurers. This includes your policy excess, Loss of earnings, personal injury, vehicle damage if you hold a TPFT or TPO policy, storage charges and many more. Our advisors will be able to confirm any uninsured losses for you. Due to t ... read more
Date - 03/10/2006

How long will it take to reclaim my uninsured losses?

As all uninsured losses are reclaimed from the other party's insurers we are unable to specify a timescale. If there is a liability dispute or the other party have not completed a claim form. All of these are factors that could contribute to a time delay. However on all occasions we will en ... read more
Date - 03/10/2006

What are storage charges?

If your vehicle is taken to a place of chargeable storage, either by you, police or a road recovery service, please be aware that you are responsible for these charges. If the accident was not your fault, then these costs may be submitted to the third party insurance company as an uninsured l ... read more
Date - 03/10/2006

How do I get my repairs to my vehicle completed?

If you hold a comprehensive policy your auto insurance company will arrange for your vehicle to be taken to one of their approved garages' where the repairs will be undertaken. This is the quickest option as no estimate is required and most garages have authority to commence work immediatel ... read more
Date - 03/10/2006

What happens if my vehicle is a write off?

Once an independent assessor, instructed by your insurer has inspected your vehicle and confirmed it is not repairable, he will submit the report to your insurers confirming this. You will then be asked to submit all vehicle documents relating to the car (Listed below) this will assist your ins ... read more
Date - 03/10/2006

What if I am not happy with the valuation?

The valuation on your vehicle is determined from market value and the documentation you have submitted. For example if you have a vehicle you feel is in A1 condition you must have a full service history to support this. Without this the valuation will decrease. To assess the value of your ... read more
Date - 03/10/2006

What information will you need to get a quote?

1) Name. 2) Address. 3) Email Address. 4) Contact Telephone Numbers. 5) Driving Licence Details. 6) Driving Experience. 7) Occupation Details. 8) Accident or Claims or Convictions details from the last 5 years. 9) Car details - Make, Model, Engine size, Registration number. ... read more
Date - 03/10/2006