Budget insurance

frequently asked questions

motor related

Quotes

What do I need to apply for motor insurance?

Why can't I find my car details by its registration number?

Can I get a quote if I don't know the registration number?

Claims

My previous claim had split responsibility - what should I choose in the "At fault" question?

Cover

What is a young driver excess?

My vehicle has been modified or has non standard accessories. Do I need to tell you?

I'm thinking about modifying my vehicle what do I do?

My car is a 'Q' plate. Will you insure it?

I have a private plate. Will you insure it?

What do I do if the regular driver has changed?

I am just thinking about buying a new vehicle?

Am I covered for driving abroad?

Am I insured to drive other vehicles?

What are the different types of class you provide cover for?

Can I add a driver to my policy temporarily?

How do I change my address?

How many additional named drivers can I have on my policy?

If I take out comprehensive cover, can other people drive my car when they aren't named on the policy?

The Motor Insurers Database (MID) is not showing that I am covered?

Can the policyholder and the registered owner be different?

Can I get insurance if I only have a provisional licence?

What is the Claims and Underwriting Exchange?

Why is my claims history checked?

How did my details get onto CUE?

What happens if there is a discrepancy with my claims history?

What do I do if the information on CUE is wrong?

What happens if I entered the wrong claim details when I bought my policy?

If I use another insurance company will they check CUE?

I genuinely forgot about a claim - does this mean I have a black mark against me?

Documents

Can I use my Certificate of Insurance to tax my Vehicle?

What is a Statutory Declaration Form?

NCD

What is no claims discount?

What do I do if the proof of no claims discount is showing the wrong amount?

My policy was cancelled over a year ago - can I still get my proof of no claims discount?

Can a no claims discount be applied to more than one vehicle?

Can I switch no claims discount between my wife or husband?

Can I use foreign proof of no claims discount?

Can I use proof of no claims discount from a Company Vehicle?

Do you accept no claims discount from a Bonus Accelerator policy?

How do I get proof of no claims discount for a named driver on my policy?

How many years no claims discount do you lose if you make a claim?

What do I do if the address on my no claims discount proof is incorrect?

What is acceptable proof of no claims discount?

What is no claims discount protection?

What is the maximum no claims discount?

What no claims discount proof do I need to send to you?

What will happen if I don't send my proof of no claims discount?

Where should I send my proof of no claims discount?

All Product Related questions

Claims

How do I make a claim?

Do I need to report any incident even if I don't intend to claim?

Do I need to report incidents to the police?

Can I get repairs done anywhere?

I don't know the cost of the claim what should I put in this section of the quote?

Cover

What is my excess?

Documents

My policy has renewed when will I get my documents?

FSLA

What is an FSLA?

Do I need to do anything with my FSLA?

How does the Consumer Credit Act affect me?

What information is included in an FSLA?

Payments

How can I pay for my policy?

Can I pay my premium using someone else's card?

Can I pay off my premium early?

What happens if I default on a payment or can't pay?

What is an APR?

Renewals

Can I renew my policy online?

How do I renew my policy?

SECCI

What does SECCI stand for?

What information is included in the pre-contract credit information?

What is the difference between the SECCI and Fixed Sum Loan Agreement (FSLA)?

Security

How secure are my personal details and credit/debit cards on your website?

What do I need to apply for motor insurance?

Please make sure that you have the following details to hand:

  • Vehicle details (registration number is needed when you come to buy the policy)
  • Your full address, including postcode
  • Your licence details
  • Number of years no claims discount (NCD)
  • Details of claims and convictions for the past 5 years for all named drivers to be include don the policy
  • Details of any other drivers, including their licence details
  • The type of cover required

Why can't I find my car details by its registration number?

If your vehicle details aren't shown when you enter the registration number you can add the vehicle's year of manufacture, make and model to help your search.

Can I get a quote if I don't know the registration number?

Yes. You can still get a quote but you will need the registration number when you come to buy the policy.

Claims

My previous claim had split responsibility - what should I choose in the "At fault" question?

If this is the result of a previous claim you have made you will need to state that the claim was "Driver at fault".

Cover

What is a young driver excess?

Additional excesses may apply while your vehicle is being driven by a young or inexperienced driver. An inexperienced driver is someone who has held their licence for less than 1 year or holds a provisional licence.

My vehicle has been modified or has non standard accessories. Do I need to tell you?

You must let us know about any modifications or non-standard accessories to the car that you have insured or are going to insure with us.

I'm thinking about modifying my vehicle what do I do?

You must let us know about any modifications or non-standard accessories to the car that you have insured or are going to insure with us.

My car is a 'Q' plate. Will you insure it?

No, we cannot insure cars with 'Q' plates.

I have a private plate. Will you insure it?

Yes, we can insure vehicles with private plates. We will need to know the registration number that is on the car currently so if you are waiting for the private plate then please tell us the original registration number now and then let us know when the private plate has been fitted.

What do I do if the regular driver has changed?

If the regular driver has changed it is important that you let us know.

I am just thinking about buying a new vehicle?

If you are not sure when or if you will purchase the vehicle you can still get a quote just tick the check box which says 'not yet purchased' as you go through the process of entering your details in the quote.

Am I covered for driving abroad?

Your policy automatically gives you 60 days cover in the European Union at the same level of cover that you have in the UK.

Am I insured to drive other vehicles?

Please check your Certificate of Motor Insurance to see if you have this cover. Having comprehensive cover does not automatically mean that you are insured to drive other vehicles. This cover is also sometimes available if you have a 3rd party policy. Your certificate will only show the following if you are covered:

'Mr/Mrs/Miss XXXX may also drive with the owners permission a motor car that is not owned by or registered to, or hired, rented or leased to, them, their business partner or their employer, or is being kept or used in connection with their or their employer's business.'

What are the different types of class you provide cover for?

The different types of use and what they cover you for are detailed below:

Social, domestic, pleasure and commuting (SDPC)
This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use, plus to travel to and from a single permanent place of employment. Students using their vehicle to drive to and from a place of education would require this cover.

Social, domestic and pleasure only (SDP)
This use will cover the regular driver and any named drivers to use the vehicle solely for social, domestic and pleasure use. This excludes any travel to and from work or business use.

SDPC and business use (proposer / spouse only)
This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use.

Also covers the regular driver and spouse for personal business use and to travel to various places of work in connection with their employment.

SDPC and business use (any named driver)
This use will cover the regular driver and any named drivers to use the vehicle for social, domestic and pleasure use.

Also covers the regular driver, spouse and authorised drivers to use the vehicle in connection with the businesses of the regular driver and/or the regular driver’s spouse only.

(Please note that we can not offer insurance if the vehicle will be used for public or private hire)

Can I add a driver to my policy temporarily?

Yes, subject to certain acceptance criteria being met. Please call the customer service number for more information.

How do I change my address?

If you need to change the address on your policy then call our customer service department and one of our advisors will help you.

It will help us deal with your call more quickly if you have your policy number to hand when you call. This can be found in your policy documents.

How many additional named drivers can I have on my policy?

You can add up to 5 additional drivers to your policy. In some cases we can also offer cover for any driver over the age of 25.

If I take out comprehensive cover, can other people drive my car when they aren't named on the policy?

No, cover is only provided for the vehicle shown on the certificate of insurance and the named drives on your policy.

The Motor Insurers Database (MID) is not showing that I am covered?

We automatically send your details to the MID when you take out a new policy or change your car. It can take up to 7 days for these to be updated on the MID.

Can the policyholder and the registered owner be different?

Only if the registered owner is the policyholder's spouse or partner.

Can I get insurance if I only have a provisional licence?

Yes. We offer insurance to provisional and full licence holders.

CUE

What is the Claims and Underwriting Exchange?

The Claims and Underwriting Exchange – also known as CUE – is a central database of claims reported to insurance companies. Most insurers will check it when you buy a policy from them or when you make a claim.

If you need any more information regarding CUE please visit their website at www.cueuk.org

Why is my claims history checked?

Your claims history is checked and validated when you take out an insurance policy with us for a number of reasons:

  • To make sure that the information you have given us is right and you are properly insured
  • It is one of the factors used when working out your insurance premium and giving us the right information will help us get the best possible price for you
  • To stop people from giving us incorrect details either accidentally or intentionally.

How did my details get onto CUE?

When you have an incident which may or may not result in a claim, your insurer can add this information to CUE. If you don’t agree with the details on CUE you will need to contact the insurer concerned and ask them to correct it.

What happens if there is a discrepancy with my claims history?

If you forgot to add a claim, or got the details wrong, this will be highlighted by CUE when we check the database. You will be advised of any difference in writing within a few days of buying your insurance policy. The cost of your policy may increase and in some cases your policy could be cancelled.

What do I do if the information on CUE is wrong?

If there is a difference and you disagree with the information held on CUE you must contact the insurer concerned immediately to get written confirmation from them of the right details and that they have updated this on CUE.

This must then be sent to us as soon as possible:

  • By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU

When we receive this we will update our records and tell you about any changes to your premium. If you aren’t able to get this confirmation to us by the date specified in your letter the cost of your policy may increase and in some cases your policy could be cancelled.

What happens if I entered the wrong claim details when I bought my policy?

If you now realise that the information you provided was wrong, or the same claim is showing with different dates please call us and we can update the details on your policy. Please note that we can’t update CUE with details from previous insurers – they will have to do this.

If I use another insurance company will they check CUE?

More and more insurers are checking claims on CUE when you buy a policy. It is therefore likely that they will also check your claims history when you buy a policy or if you make a claim.

I genuinely forgot about a claim - does this mean I have a black mark against me?

No, you don’t have a black mark against you but your premium could change as a result. Your claims history is one of the factors used when working out the cost of your policy. Making sure the claims on CUE are right means that you are properly insured and that your details are right in the future.

Documents

Can I use my Certificate of Insurance to tax my Vehicle?

You can tax your car through the DVLA either online or over the phone providing your insurance details are on the Motor Insurers Database (MID). We automatically send these details to the MID when you take out a new policy or change your car. It can take up to 7 days for these details to be updated on the MID.

Alternatively you can tax your car in the Post Office with a printed copy of your online certificate of insurance or Temporary cover note. Just print a copy off and take it with you to the Post Office.

What is a Statutory Declaration Form?

A signed 'Statutory Declaration' form is required when you no longer have your certificate of motor insurance because it has been lost, stolen or has been destroyed. The form is required under the road traffic act.

You may be required to return a signed 'Statutory Declaration' form when you have obtained your certificate through your Self Service Centre instead of receiving them by post.

You will find the address to return this form in your main policy documents.

NCD

What is no claims discount?

This is the number of years you have been insured and not made a claim. The more years you remain claim free, the more no claims discount you earn. You will need proof of your no claims discount when you buy a policy.

What do I do if the proof of no claims discount is showing the wrong amount?

We calculate your no claims discount entitlement based on the no claims discount you had when you first took out your policy. If you have made a claim during the year or if a previous claim has been settled, then your no claims discount could be affected.

You will only receive an extra years no claims discount entitlement if you remain claim free for a whole year from the start date of your policy.

If you cancel your policy before the expiry date then you won't receive a full years no claims discount.

If you want to query your no claims discount entitlement please call Customer Services on the number shown in the 'Contact Us' link on this website, in the Self-Service Centre or in your main policy documents.

My policy was cancelled over a year ago - can I still get my proof of no claims discount?

Your no claims discount entitlement can be found on your renewal notice or if you have recently cancelled your policy it will be included in your cancellation letter. If you no longer have these then we can send you confirmation of your no claims discount. Please call Customer Services on the number shown in the 'Contact Us' link on this website, in the Self-Service Centre or in your main policy documents.

Can a no claims discount be applied to more than one vehicle?

In some cases we may be able to accept no claims discount which you have earned on another vehicle. Please click on the links below to find out more

car insurance

van insurance

Can I switch no claims discount between my wife or husband?

Yes, but this only applies to couples who are married or in a civil partnership it does not apply to co-habiting couples.

Can I use foreign proof of no claims discount?

We currently accept proof of no claims discount from all countries, the criteria is as follows:

  • The date of expiry of the previous motor insurance must be shown
  • The name of the policyholder must be shown
  • The amount of no claims discount in years must be stated. This can be shown using 'from' and 'to' dates
  • The claims and accident history must be confirmed
  • The proof must have been issued and dated within the previous 2 years and must no longer be in force
  • Foreign proof of no claims discount is only acceptable when the letter is written in English on the motor insurance company's headed paper and translations must be stamped by the translator

You must supply proof of no claims discount within 21 days of the policy start date. If you do not do this the cost of your policy will increase or, in some cases, be cancelled.

Your proof of no claims can be sent to us in one of the following ways:

  • By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
  • By fax: 0844 412 2121
  • By email: ncd@budgetinsurance.com

Can I use proof of no claims discount from a Company Vehicle?

We currently allow a discount from company vehicles where we are supplied with a letter from the employer stating the following:

  • How long the regular driver was insured by the company
  • Full details of accident, claims and loss history
  • That the regular driver had sole use of the vehicle including personal usage
  • The regular driver must no longer have use of the company vehicle for the discount to be applicable
  • The maximum proof we can accept from a company is 5 years

You must supply proof of no claims discount within 21 days of the start date. If you do not do this the cost of your policy will increase or, in some cases, be cancelled.

Your proof of no claims can be sent to us in one of the following ways:

  • By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
  • By fax: 0844 412 2121
  • By email: ncd@budgetinsurance.com

Do you accept no claims discount from a Bonus Accelerator policy?

Yes, providing the proof is an original (not a photocopy) renewal notice, policy schedule or letter from the previous motor insurance company showing the following essential information:

The expiry date of the motor insurance. The previous policy must have expired no more than 24 months before the start of the motor insurance policy with us

The name of the driver who earned the no claims discount. This must be the Regular Driver on the motor insurance policy with us, who could be a different person to the Policyholder

The no claims discount entitlement in years or the percentage No Claims Discount

Your proof of no claims can be sent to us in one of the following ways:
By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
By fax: 0844 412 2121
By email: ncd@budgetinsurance.com

How do I get proof of no claims discount for a named driver on my policy?

We can only issue no claims discount proof for the regular driver of the motor insurance policy.

How many years no claims discount do you lose if you make a claim?

If you have no claims discount on your policy and submit a fault claim or a non-fault claim where recovery can't be made your No Claims Discount will be affected as shown below:

  • If you have 5 or more years no claims discount your no claims discount will reduce to 3 years
  • If you have less than 5 years your no claims discount will reduce by 2 years

What do I do if the address on my no claims discount proof is incorrect?

The address on your no claims discount proof shouldn't stop you using it as proof for a different insurer.

Your proof of no claims can be sent to us in one of the following ways:
By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
By fax: 0844 412 2121
By email: ncd@budgetinsurance.com

What is acceptable proof of no claims discount?

Your renewal notice or letter from your last insurer confirming your no claims discount - the copy must be in English, less than 2 years old and show: the no claims discount in years, date the policy ended or was due to be renewed and the registration of the vehicle.

What is no claims discount protection?

If you choose to protect your no claims discount we will not reduce your no claims discount unless more than 2 claims happen over a 3 year period. To benefit from this cover you must have at least 4 years no claims discount.

You will not earn an extra years no claims discount if you make a claim even if your no claims discount is protected.

What is the maximum no claims discount?

We give a maximum of 9 years no claims discount proof. This varies between different insurers.

What no claims discount proof do I need to send to you?

You will need to send us proof of your no claims discount within 21 days of your policy start date. If you don't then the cost of your policy will increase or, in some cases, may be cancelled. The expiry/renewal date of your previous policy must be no more than 24 months before the start date of your new policy with us. We accept a renewal notice, policy schedule or letter from the previous car insurance company showing the following essential information:

  • The expiry date of the motor insurance
  • The name of the driver who earned the no claims discount: This must be the Regular Driver on the motor insurance policy with us, who could be a different person to the Policyholder.
  • The no claims discount entitlement in years /li>

Your proof of no claims can be sent to us in one of the following ways:

  • By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
  • By fax: 0844 412 2121
  • By email: ncd@budgetinsurance.com

What will happen if I don't send my proof of no claims discount?

If we do not receive your proof, the cost of your policy will increase and in some cases may be cancelled.

Where should I send my proof of no claims discount?

Your proof of no claims can be sent to us in one of the following ways:
By post: Insurance Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU
By fax: 0844 412 2121
By email: ncd@budgetinsurance.com

All Product Related questions

Claims

How do I make a claim?

If you need to make a claim, please call our claims department on the number shown in the 'Contact Us' link on this website, in the Self-Service Centre or in your main policy documents.

Do I need to report any incident even if I don't intend to claim?

You must report all accidents, theft or incidents, even if you aren't going to make a claim on your insurance.

Do I need to report incidents to the police?

Yes. theft, attempted theft and any malicious incidents must be reported to the police within 48 hours of the event. You must make sure you get a crime number as we will need this when you call us.

Can I get repairs done anywhere?

When you call us to register a claim you will usually be advised to use an approved repairer, recommended by your insurer. This will speed up the process and avoid having to get additional quotes. Please note that the cost of any repairs is your responsibility until your insurer has agreed to pay.

I don't know the cost of the claim what should I put in this section of the quote?

If the cost is known this should be entered in pounds when completing the details for your quote. If you are not sure of the cost of a previous claim you can still complete a quote and leave the field blank

Cover

What is my excess?

This is the amount you will need to pay in the event of a claim. For example, if you have a £100 excess then you will pay the first £100 of the claim you make.

Your excess can be made up of both a compulsory excess (set by the insurer) and a voluntary excess (chosen by yourself). For example: you may have a £100 compulsory excess and a £150 voluntary excess giving you a total excess to pay in the event of a claim of £250.

You can see the excesses which apply to you in your policy documents.

Documents

My policy has renewed when will I get my documents?

The policy documents and certificate for your renewal will be available in the Self Service Centre for you to view or print from the date of your renewal. If you asked for your documents to be sent to you they should arrive within 2-3 weeks of your policy renewing.

FSLA

What is an FSLA?

FSLA stands for Fixed Sum Loan Agreement. It is a legal contract to supply credit to a customer and is regulated by the Consumer Credit Act 1974.

Do I need to do anything with my FSLA?

Yes. You need to sign and return one copy to us. If you don't return it within the time specified in your policy documents you will be charged a fee.

How does the Consumer Credit Act affect me?

The Act is a set of rules to safeguard the Consumer and the Creditor. All credit agreements made under the 1974 Act must comply with these rules, be laid out in a certain format, and contain prescribed (compulsory) terms in order that the agreement is binding and acceptable.

What information is included in an FSLA?

The FSLA contains all the information relating to the credit on your policy. This includes key financial information such as:

  • The amount of credit
  • Term of the agreement
  • The number and amount of the repayments
  • Annual percentage rate (APR)
  • Charges applied (e.g. missing premiums)
  • Early repayment information

Payments

How can I pay for my policy?

You can choose to pay your premium in a single payment by credit or debit card. To spread the cost you can pay by monthly Direct Debit instalments over the year. We accept the following cards:

  • Visa
  • MasterCard
  • Maestro
  • Electron

Can I pay my premium using someone else's card?

Payment can only be taken from someone else's card if you are paying annually, or if the card holder is a named driver or joint policy holder.

Can I pay off my premium early?

Yes, please call the customer service number and one of our advisors will help you.

What happens if I default on a payment or can't pay?

Please call the customer service number if you need to discuss the payments on your policy. You can make any outstanding payments through your online self service centre.

What is an APR?

APR (Annual Percentage Rate) is a standard measure of the cost of credit, stated as a yearly rate. Interest rates can be stated in a number of ways. It helps to compare the cost of credit from different providers.

The APR must be disclosed to you before completion of the credit agreement.

Renewals

Can I renew my policy online?

At the moment you can't accept or decline your renewal online. Please call the customer service number and one of our advisors will help you.

It will help us deal with your call more quickly if you have your policy number to hand when you call. This can be found in your policy documents.

How do I renew my policy?

Before your policy is renewed we will contact you with the best offer from our panel. To save you time and to make sure that you are continuously covered we will use the details you have given us to automatically renew your policy where possible. We will also renew any additional products you may have which are linked to this policy. If you don’t want us to automatically renew your policy please let us know before your renewal date.

Alternatively, if you opted out of having your policy automatically renewed you will need to call us before your renewal date to make sure you continue to be insured with us.

When you receive your renewal offer before your policy is due to expire, it will explain what you need to do next.

SECCI

What does SECCI stand for?

It stands for Standard European Consumer Credit Information. It is also known as pre-contract credit information. It is a legal requirement of the Consumer Credit Act to provide you with a copy before you buy a policy which is payable by instalments. This helps give you a clear understanding of the credit agreement you are taking out.

What information is included in the pre-contract credit information?

The form gives you the following information:

  • The type of credit
  • The total amount of credit
  • How and when the credit is provided
  • How long the credit agreement is for
  • The number and amount of the repayments
  • The total amount you will have to pay
  • The borrowing rate(s) which apply to the credit agreement
  • Annual percentage rate (APR)
  • Right of withdrawal
  • Early repayment information

What is the difference between the SECCI and Fixed Sum Loan Agreement (FSLA)?

The SECCI is a document which is provided before you take out credit to buy a policy and the FSLA is the contractual agreement between you and the credit provider (BFSL Limited) after you have taken out credit to buy a policy. It is important that you read and understand both documents.

How secure are my personal details and credit/debit cards on your website?

The security of our site and your personal details are important to us. Our site uses the latest technology in order to ensure that your personal details are secure. This is achieved through the use of encryption and a secure sockets layer (SSL). To verify the site security, click on the VeriSign logo and this will display our registration certificate. Also, always check for the padlock symbol which can be found on either the bottom right of the site or to the right of the address bar.

How can we help you?