Getting a quote
You can get insurance in your name if you aren’t the owner of the car, so 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’.
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.
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.
We need to know whether you’ve been declined insurance or had a policy cancelled by a provider, rather than doing so yourself.
If you’ve ever cancelled your insurance because you no longer need it, you can answer ‘no’ to this question.
When filling in the quote form, you will have to select ‘Company (leased)’. This is like a personal contract purchase (PCP), the only difference being the option to buy at the end of the contract.
If you’re unsure, you can contact your chosen insurer before you buy to discuss.
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 considered 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.
Unfortunately, if you haven’t held a private car insurance policy in the last two years, you have to state that your NCB is zero.
However, after you’ve declared you have no NCB, you can continue to state that you’ve been driving with your years of no-claims in a car that wasn’t insured by yourself.
It’s best to contact your chosen insurance provider before buying to discuss your full driving history.
It is possible to change insurance providers even if you have an ongoing accident claim.
If you wish to get an insurance policy with a new provider but you have a claim which is ongoing, you’ll need to note the claim when getting a quote. When entering the details of an accident claim, you’ll be asked ‘Was it settled?’, and you can answer this as no.
Please note, you’ll need to enter the cost of the claim, even if it hasn’t yet been settled. However, if you don’t have the cost of the claim, you should check with your insurer to see if you can get an estimate.
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 whether the claim has been settled, then you need to contact your insurer from the time of the claim to find out.
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.
After getting your quote
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.
We hope that all 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 email@example.com. We’ll then investigate the issue for you.
When emailing us, make sure you include the name of the insurance provider. Also include your full name, date of birth and postcode. That way we can identify you and deal with your complaint more quickly.
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 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 to buy a policy from one of your previous quotes over the phone.