Frequently Asked Questions

Please make sure you tell us about any accident you are involved in. We only offer comprehensive car insurance, accidental damage to your car is covered – whoever caused it. Therefore, we can settle the claim for you, according to the terms of your policy. If you have legal cover, you may be able to use it to claim from the other driver. With Got2Insure’s uninsured driver promise included in our comprehensive car insurance, we’ll make sure that you get back any excess and keep your No Claims Discount (NCD) if your car is hit by an uninsured driver. You’ll need to provide the driver’s registration and the make and model of their car – as you would for any claim involving another vehicle. Once we’ve confirmed that the other driver was uninsured, and you weren’t to blame in any way, we’ll refund your excess payment and reinstate your NCD to what it was before the claim. We may even be able to do that as soon as you claim – so you may not need to pay any excess at all. For more information, please read your policy wording. Terms, conditions, exclusions and limitations apply.

For expert help with a car insurance claim, please call as soon as you can.

  • Car insurance claims in the UK: 0344 854 0689
  • Car insurance claims from abroad: +44 344 854 0689
  • Windscreen and glass claims: 0344 854 0689

If you are involved in an accident involving a third party and it is your fault, we will reduce your excess by £50 if you call our claims team within 1 hour of the incident.

Please call 0344 854 0689 to make a glass claim. Lines are open 24 hours a day every day, so you should call as soon as you can.

No, you won’t lose any No Claims Discount if you make a windscreen claim. Plus you can make more than one windscreen claim and – as long as they’re your only claims that year – your No Claims Discount will increase when it’s time to renew.

Please call our 24-hour claims line on 0344 854 0689 from the scene of the accident, or as soon as possible afterwards.

While at the accident scene, if there are any injuries to yourself or anyone else you must report the accident to the police and if necessary call an ambulance.

You should also collect the names, addresses, insurance and vehicle details of everyone involved, as well as names and contact details of any witnesses. Rest assured, you can rely on expert help when you need it most with Got2Insure.

If you are involved in an accident involving a third party and it is your fault, we will reduce your excess by £50 if you call our claims team within 1 hour of the incident.

To add a driver to your policy please call our customer services department on 0344 854 0689. Adding a driver may impact your premium with the cost depending on the driver’s details. To save time make sure you get as much information as possible about the additional driver before you call. You will need the drivers name, date of birth, date they became resident in the UK. occupation, licence type and date obtained and details of any accidents/claims, convictions and medical conditions and what they will be using the vehicle for.  

If you are involved in an incident that is not your fault and we recover all our costs from the person responsible, your No Claims Discount (NCD) won’t be affected. If you are at fault in any way or we can’t recover all costs and you’ve not chosen NCD protection, your NCD will be reduced according to the scale below:

NCD at the start of your current period of insurance Your NCD at renewal if you make a claim
  0 claims 1 claim 2 claims
0 years 1 year 0 years 0 years
1 year 2 years 0 years 0 years
2 years 3 year 0 years 0 years
4 years 5 year 2 years 0 years
5 years 6 year 3 years 1 year
6+ years 6+ year 4 years 2 years

Our policies have comprehensive insurance cover, we will pay for any loss, damage or injury to yourself and anyone else involved in the accident (subject to the terms and condition and excesses on your policy).

Yes. Please call the 24-hour claims line on 0344 854 0689* to make or talk about a car insurance claim. You can rely on expert support.

With Got2Insure car insurance, we’ll give you a courtesy car following a valid claim.

You can use a courtesy car while your car is being repaired by our approved network. Please check your policy schedule and policy wording in your Got2Insure Account for more information. Courtesy cars are provided subject to availability. Terms, conditions, exclusions and limitations apply. Please read the policy wording in your Got2Insure Account for full details.

Please note: Courtesy cars may only be used in the UK.

Your guide to proving your No Claims Discount.

The simplest way to prove your No Claims Discount is to upload your renewal invitation from your previous insurer in your Got2Insure Account – providing it meets the criteria shown in the next section. Alternatively, you can ask your previous insurer to send you a proof of the No Claims Discount you have earned.

This is a service they are obliged to provide for you.

What you need to send us

Your proof of No Claims Discount must:

  • show your name as the policyholder
  • show the number of years No Claims Discount you are entitled to
  • be issued by your previous insurer
  • be earned on a private car, company car, fleet vehicle, motorbike or mobility vehicle
  • be less than 24 months old if earned on a private car
  • show the expiry date of your previous policy
  • not be currently used to insure another vehicle.

You must be over 22 if you have earned No Claims Discount on a motorbike.

If you have earned your No Claims Discount driving a company car, your proof must be on your company letterhead, signed by a director of the company or the fleet manager, and be less than 6 months old.

Please do not send us your Certificate of Motor Insurance as you may need this for future reference.

Cover for driving other cars is not available for everyone; for example we can’t provide this cover extension for drivers under 25 and certain occupations.

You must check Section 5 of your car insurance certificate.

If we will cover you to drive other cars it will include this sentence:

‘The policyholder only may also drive a car not owned by them or hired to them under a hire purchase agreement and which is not used in connection with the motor trade’

Before driving someone else’s car, you must have the owner’s permission and their car must have valid insurance already. You can only use the car in the UK for the purposes stated on your certificate.

The extension to drive other cars only applies to the policyholder and NOT named drivers.

It only provides cover for third party damage or injury, and NOT fire, theft or accidental damage.

Only cars are covered by this extension – you are NOT insured to drive vans, buses and minibuses, other commercial vehicles, quad bikes or motorcycles of any description.

Please remember to keep all your details up to date because your cover could be affected if anything isn’t correct.

You can claim your refund – unless you’ve made a claim. Refunds are available following your car insurance being cancelled – but the amount can vary depending on when you cancel, how you’ve paid and whether there’s a claim on your policy.

Alternatively, we can cover you for up to 14 days. If you cancel during this time, we’ll return your payment for cover after the cancellation date, except for any non-refundable card fees and our cancellation fee. It’s what’s known as a pro-rata refund, and takes into account the time you’ve been covered by us.

Cancellations following a claim

If there’s been a claim or accident on your policy before you cancel, you’ll need to pay the full premium for the year – there are no refunds at any time for cancellation after a claim.

Cancellations within 14 days

If you change your mind shortly after buying, you have two options to cancel your car insurance within 14 days of the start date:

  • You can cancel the policy back to the start date. This is your statutory right to cancel. We’ll return your payment in full, except for any non-refundable card fees and an administration fee (please refer to your policy wording). In effect, this means that your car was not covered by us.
  • Alternatively, we can cover you for up to 14 days. If you cancel during this time, we’ll return your payment for cover after the cancellation date, except for any non-refundable card fees and an administration fee (please refer to your policy wording). It’s what’s known as a pro-rata refund, and takes into account the time you’ve been covered by us.

Cancellations after 14 days
You can cancel your car insurance after 14 days from the start date, but you will need to pay a cancellation charge (please refer to your policy wording) on top of the time you’ve been covered by us. We’ll return payment for cover after the cancellation date (a pro-rata refund), minus the cancellation charge.

We’ll pay any refund back to the card or bank account you used when you took out your insurance, within 14 days of cancellation.

When your car insurance is cancelled, you’ll need to declare that you’ll destroy all copies of the Certificate of Motor Insurance relating to your policy (whether held in paper, electronic, digital or any other format) within seven days, in accordance with the Road Traffic Act 1988.

Please note: From 2011, continuous car insurance is a legal requirement.

Yes, you can change the car or car details on your policy using your Got2Insure Account.

Simply log in and select the ‘change’ link next to where your car is listed and follow the instructions.

Please remember to keep all your details up to date because your cover could be affected if anything isn’t correct.

Yes, you need to send us your proof of No Claims Discount (NCD) straight away for us to validate it meets our requirement for your new car insurance policy.

You can upload the NCD Proof in your Got2Insure Account.

All your documents are stored in a safe and secure area of our website. To view or print your policy documents, simply go to got2insure.com and log in to your ‘Got2Insure account’. It’s all there waiting for you.

For no extra cost, all UK car insurance policies automatically provide the minimum cover required by law in all European Union (EU) countries. This covers your liability to third parties only – the minimum coverage does not insure your car in case of any damage. Most people want the full level of cover that they enjoy in the UK. Got2Insure car insurance covers you for up to 60 days during the policy year in the EU at no extra cost.