Car insurance FAQs

Why isn't my car registration being recognised?

We use a DVLA provider to check car registration details, but if your registration isn’t recognised or your car’s details are returned incorrectly, simply select the option saying you don’t know your car’s registration. This will then allow you to enter the information manually and ensure the right vehicle is listed on your quote.

Why can't I enter my car details manually?

When you’re entering your vehicle details you might want to have your documents to hand so you’re sure the information you enter is correct. New models and imported vehicles in particular can be difficult to locate.

If you have entered the right details and you still can’t select your car, then unfortunately we won’t be able to help you find quotations on this occasion. Without knowing the exact car details, the prices we’re able to return could be invalid, and that’s simply a waste of your time.

What does a No Claims Bonus do?

No Claims Bonus (NCB) or No Claims Discount (NCD) is a discount recognised by UK insurance providers. You earn a NCB, so every year that a driver has a car insurance policy without making a claim, another year’s NCB is gained. This benefit of a NCB usually plateaus at five years, but some companies offer further discount for six+ years.

How do I get a copy of my No Claims Bonus?

You can find out how much NCB you’re entitled to by contacting your current or most recent insurance provider. You won’t usually be able to get a copy of your NCB document sent to you if the policy is still active on your car, as you can only use your NCB on one car at a time, but once your renewal is due or if you cancel your policy, your insurer can send you a copy for future use.

Will I be able to use my No Claims Bonus on more than one car?

Unfortunately not. For each policy, a driver will accrue a separate NCB. If you’ve got one vehicle with NCB and you insure a second car in your name, you will still only be able to use your NCB allowance on one of those policies, and you can’t split your NCB between the two. However, you may want to speak to the insurance provider who covers your current car, as they can sometimes offer an introductory discount on a second vehicle.

Protected No Claims Bonus: what is it?

By protecting a No Claims Bonus, a driver can ensure that in the event of a claim they won’t lose their discount. This isn’t to say that the cost of the insurance won’t go up again in the next policy term if an accident has occurred, but the bonus itself won’t be lost and will help to discount the cost.

Do I earn No Claims Bonus as a named driver?

You won’t earn full NCB as a named driver. Only the policyholder will be earning a full NCB that is documented and accepted as standard. But, if you’re a named driver and are looking to buy your own car, speak to the insurer covering the car you’re currently driving. Some providers offer an introductory named driver bonus for drivers who have been insured with them previously, and it can apply even if you haven’t got your own NCB as yet.

My No Claims Bonus isn’t from the UK. Can I still use it?

Most UK insurance providers don’t accept NCB from outside of the EU. Once you’ve got your quotations, it’s best to contact the insurer of your choice directly to ask if they can accept your bonus, and to check what they need to see as proof – some insurers will only accept documentation translated into English, for example.

As a named driver, do I get the same cover as the policyholder?

In short, yes. If the car is covered by a comprehensive insurance policy, then all drivers and not just the policholder are covered to drive the vehicle with comprehensive cover. However, it’s always worth checking the terms and conditions and policy wording before purchasing, as some companies offer slightly reduced personal accident cover for named drivers, or have restrictions on how often a young driver can use the vehicle.

Can I get a quote for an ‘any driver’ policy through Confused.com?

Many insurance providers now only deal with named drivers and don’t offer this type of policy, and as a result we’re unfortunately not able to offer ‘any driver’ cover.

Do I have to list non-fault claims when I’m getting a quote?

Yes. All incidents and claims must be listed, whether you were deemed to be at fault or not. Usually a claim is only considered to be non-fault if you received all the costs back, including your excess, after the claim was settled. Until it’s settled, or if you didn’t have the costs returned to you, the claim would be deemed to be a fault claim.

When you enter the details of the claim, you can list that the driver was at fault if you were at fault in the incident, and select that the driver was not at fault if the other driver was deemed responsible.

What do I do if I don’t know the cost of a claim?

You should be able to find the cost of a claim if you contact the insurance provider who dealt with it at the time. If you’re unsure, you can enter an estimated value, but inform the insurance provider before you purchase that the cost is an estimate and not accurate, as they may require the exact amount beforecovering you.

I can’t find my job title!

We can’t list every job title out there, so if you can’t select your exact job, don’t panic – it’s probably listed under a similar description instead. If you’re an IT manager, you can try entering ‘computer’ or ‘manager’ to see if another option fits your job, for example, and you can also enter the first few letters (such as ‘com’ or ‘man’) and we’ll start to return options that fit immediately. If you’re unsure that the selection you’ve made really describes what you do for a living, then you’re always free to confirm it with the insurance provider before you finalise the purchase.