Car insurance FAQs

What is a no-claims bonus?

A no-claims bonus (NCB), sometimes called a no-claims discount, is a car insurance discount recognised by insurance providers. It's a count of the number of years you haven't made a claim on your car insurance policy.

So for every year you drive without making a claim on your policy, you gain a no-claims bonus. The benefit of a NCB usually plateaus at five years, but some companies offer further discount for six or more years. The amount of discount this qualifies you for tends to vary from insurer to insurer.

Read our no-claims bonus explained guide.

How do I get a copy of my no-claims bonus?

You can’t normally get a copy of your no-claims bonus (NCB) while the policy is still active on your car. But once your renewal is due, or if you cancel your policy, your insurance provider can send you a copy.

Will I be able to use my no-claims bonus on more than one car?

Unfortunately not. You need a separate no-claims bonus for each policy you have.

But it might be worth chatting to your current insurer, as they can sometimes offer an introductory discount on a second vehicle.

Protected no-claims bonus: what is it?

Protecting a no-claims bonus (NCB) ensures you don’t lose your discount if you need to make a claim. Bear in mind though that, even if your NCB is protected, you still have to declare any claims when applying for car insurance. For that reason, the cost of your insurance could still rise on your next policy if you’ve had an accident.

Read our no-claims bonus guide.

Do I earn no-claims bonus as a named driver?

Sorry, but no. Only the policyholder can earn a full no-claims bonus.

That said, if you’re a named driver looking to buy your own car, speak to the insurance provider covering the car you currently drive. Some insurers offer introductory named driver bonuses for those previously insured with them.

Do insurance companies take no-claims bonus over two years old?

Once earned, your no-claims bonus (NCB) will remain valid until you undergo a period of two years without private car insurance. After the period of two years – depending on the insurance provider – your NCB will either become invalid, or some providers simply begin to decrease the number of years for each year that has passed without insurance.

Each provider can be different, so you should speak to them directly.

My no-claims bonus isn’t from the UK. Can I still use it?

Most UK insurance providers won't accept a no-claims bonus from outside the EU.

It's best to contact your chosen insurer directly. Then you can ask if they will accept your bonus, and to check what proof they need to see.

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

In short, yes. If your car is covered by a comprehensive insurance policy, then all drivers are covered to drive it with comprehensive cover. But it’s always best to check the policy’s terms and conditions before buying.

Take a look at our guide to fully comprehensive car insurance for more details.

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

Unfortunately we're not able to offer 'any driver' cover, as many insurers now only deal with named drivers and don't offer this type of policy.

To learn more, read our guide to named driver policies.

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

Yes. All incidents and claims must be listed, whether or not you were deemed to be at fault, or made a claim.

For more information, check out our guide on how to claim on your car insurance.

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

You should be able to find out the cost of a claim if you contact the insurer who dealt with it at the time.

If you’re still unsure, you can enter an estimated value – but before buying you should inform your insurer that it’s an estimated value.

I can’t find my job title!

If you can’t find your exact job title, it could be listed under a similar description instead. For example, if you’re an IT manager, try entering ‘computer’ or ‘manager’ to see if another option fits the bill.

If you’re worried that your choice doesn’t describe your job properly, don’t be. You’ll be able to confirm it with your insurer before you commit to buy.

How do I determine the fault of a recent accident?

If you’re unsure of who’s to blame for an accident, you should contact your insurer so they can confirm this for you.

Will the annual mileage I do affect the price of my quote?

Generally, yes – the price of your quote will change if you alter the annual mileage.

Your mileage is taken into account by your insurer, and they use this figure along with many other factors to calculate your premium. Make sure you’re as accurate as possible, as underestimating your mileage could invalidate a future claim.

If you’re looking for ways to reduce your premium, you may wish to read our top tips for getting a cheaper car insurance quote.

What difference will it make to my quote if my car is kept on my driveway or in a garage?

If your car’s kept in a garage overnight, it’s better protected and less likely to be stolen or damaged than cars parked in the street.

Where your vehicle is kept at night is one of the factors taken into account by your insurer when calculating a premium. Stating your car is always kept in the garage overnight could impact on a theft claim if your vehicle is left in the street overnight.

Will having modifications on my car change the price of my insurance premium?

Modified cars are seen as a greater risk by insurers, so they can sometimes cost more to insure.

You should list all optional extras and modifications when getting a quote, as not disclosing these details could invalidate your policy.

What is legal cover and why would I need it?

Legal expenses cover (LEC) generally covers you for matters not dealt with on your car insurance policy in the event of a non-fault claim.

Some examples are:

  • Reclaiming your excess from the responsible party if you have a comprehensive policy.
  • Reclaiming the vehicle damage if you have a third party policy.
  • Dealing with compensation for any injury sustained in a motor accident, and any hire car costs (within reason) that you may have incurred.

Read more about legal expenses cover.

What is the difference between comprehensive and third-party, fire & theft levels of cover?

All insurance policies are needed to cover any damage you cause to an innocent third party – whether it’s to a vehicle, property or personal injury.

Third-party, fire & theft covers you for this, the theft of your vehicle, and damage caused by fire or attempted theft.

Comprehensive cover protects you in the event of an accident to a third party, and against both fire and theft – but it also covers your car against accidental damage.

Why did my price increase when I went to the insurance provider’s site?

Insurance providers may offer you additional services, such as breakdown cover or legal protection. If you choose to add any of these to your policy, the price may increase. Your price can also increase if you change any of your details, such as your occupation or class of use. It’s therefore important that you check your policy details carefully to make sure it’s exactly as you entered it on Confused.com.

If you haven’t added any additional services and haven’t changed any of your details, please contact us to let us know which insurance provider you’re having this problem with. We can then look into it for you.

How do I make changes to my policy?

We don’t administer policies themselves. As we’re a price comparison website and not an insurance provider or a broker, we’re unable to amend your policy on your behalf.

If you need to make any changes, like updating your personal details, car or driver details, or adding additional contents cover for a new purchase, you’ll need to contact your insurer directly.

For more information please read our guide to making changes to your policy.

I've got a complaint about an insurance provider on your panel. How do I take this further?

We hope that all of our customers are happy with the quotes and the level of service offered by the insurance providers on our panel!

However, in the unlikely event that you wish to make a complaint about a quote or the service you’ve received from a particular provider, please email details of the problem to complaints@confused.com. We’ll then investigate the issue for you. Read our guide to complaining about your car insurance provider for more information.

When emailing us, please make sure you include the name of the insurance provider. Also please include your full name, date of birth and postcode. That way we can identify you and deal with your complaint more quickly.

Why isn't my car registration being recognised?

If your registration isn’t recognised, or your car’s details come up incorrectly, you can choose the option saying you don’t know your car’s registration. You can then enter the information manually.

If you’re buying a new car and want to check its history, you might find our car registration history check useful.

Why can't I enter my car details manually?

If you’ve entered your car’s details correctly and you still can’t select your car, then unfortunately we can’t help you get a quote at this time. Without knowing your exact car details, the prices we show you could be invalid.

Can I get car insurance through Confused.com if I live in the Channel Islands, Isle of Man or the Scilly Islands etc?

Yes! Whether you live in Jersey, Guernsey or Douglas, you can get a quote with us. However, you may have less of a choice of providers than if you live on mainland Britain. This is why it’s always a good idea to compare quotes to get yourself the best deal.

Can no-claims bonus (NCB) from a motorbike be used towards car insurance?

No-claims bonus is generally not transferable between different types of insurance.  When getting your quotes, please state that you don’t currently have any NCB. Before you then buy an insurance policy, please contact your preferred provider directly to give information about your motorbike policy.

Can you get car insurance if the car is in someone else's name?

You can obtain insurance in your name if you aren’t the owner of the car, as long as you note this on your policy. Make sure you check the policy documents to ensure the driver has right level of cover.

 

While applying for quotes on Confused.com, we ask "Whose name is on the registration document?" and "Who owns the car?" You can answer these as 'Other driver'. 

Could I save money by getting provisional licence insurance, or should I wait until I pass my test?

Insurance is usually cheaper with a provisional licence, as insurers take into consideration that when driving you always have an experienced driver sat beside you. When you pass, you’re essentially a new driver, driving on your own, which means insurers might consider you a higher risk.

 

If you pass your test, you’ll need to declare this when getting quotes. Or if you take the policy out on a provisional licence before you take your test, as soon as you pass you’ll need to contact the insurer to change it.

 

Not doing this could cause an insurer to later invalidate your policy. You always need to make sure your details are correct.

Does the policyholder have to be the main driver?

Generally, insurance policies are set up with the policyholder also being the main driver of the car. It’s worth noting that it’s illegal for anyone other than the main driver to be placed as the policy holder, this is ‘fronting’.

It's always advisable to contact the insurance provider you’re interested in before taking out cover. This way you can make them aware of the situation, and ensure you’re suitably protected.

How frequently can a named driver officially drive the vehicle?

If you’re currently a named driver on a policy and are unsure how much you’re allowed to drive the car, please contact your insurance company directly. They’ll be able to confirm any information about the policy.

If you drive the car more often than the main driver, you’ll need to inform the insurer. If you don’t, that can be seen as ‘fronting’, and may invalidate your insurance if your insurer finds out.

How long do you need to declare claims for?

We ask you to enter the details of all claims within the last five years on our site. Most insurance providers will require five years’ history.

My no-claims bonus isn’t from the UK. Can I still use it?

Most UK insurance providers won't accept a no-claims bonus from outside the EU.

It's best to contact your chosen insurer directly. Then you can ask if they will accept your bonus, and to check what proof they need to see.

Can you move your no-claims-bonus between EU countries?

Most insurance providers in the UK will only accept no-claims bonus (NCB) from within the UK. So it's unlikely that you’ll find an insurer that’ll accept your NCB from EU countries.

If you don’t yet have any NCB years for driving in the UK, when getting a quote, please enter your total no-claims bonus years as 0.

However, some providers may be able to offer you a discount for your claim-free driving. Before you buy a quoted insurance policy, you may want to contact the insurance provider directly to ask if they’re able to accept a foreign NCB, and what documentation they’d need to see.

What marital status should I select if I live with my partner but we aren't married?

If you and your partner permanently live together, then you would need to select 'Living with partner/common law' as your marital status. This indicates to the insurers that while you aren't actually married, you have a permanent living arrangement and partnership.

What can I do if all insurance companies have stopped showing quotes for me?

Some providers are only able to produce a certain number of quotes per customer. After the limit’s been reached, they’ll no longer be able to give quotations online.

Unfortunately, this does mean that you’ll need to contact them directly by phone in order to get further quotes.

However, you could still give them a quote reference number you’ve previously had from our site. You can then choose buy a policy from one of your previous quotes over the phone.

What does claim status "settled" mean?

If a claim has been settled, it means that:

  • the vehicles in the accident have been repaired
  • any injury claims have been paid or payment has been agreed in instalments.
  • any damage to property has also been paid for

Until this time, the claim will be classed as being unsettled.

If you're unsure of whether or not the claim has been settled, then you need to contact your insurer from the time of the claim to find out.

Will exchanging your EU driving licence to a UK licence affect your car insurance cost?

As we don't administer policies here at Confused.com, we’d suggest contacting your chosen insurance provider to query this further.

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