Frequently Asked Questions: 


Motor related


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?

Who sets the price for my policy?


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


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?


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 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


Why is my claims history checked?

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?


What is my excess?


My policy has renewed when will I get my documents?

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


Why do I need a credit agreement?

Is the annual price the same as the credit agreement price?

What happens if I miss a payment?

What is a credit agreement?

What happens when a credit agreement is cancelled early?

What type of credit agreement is it?

Can everyone pay monthly?

What happens if I change my mind about the credit agreement?

Can payments under the Credit Agreement be made by someone else?

Can I change the payment date under my credit agreement?

What happens if a payment date falls on a weekend or bank holiday?

Will I get statements for my credit agreement?

Why do I have to pay a deposit?

What do I do If I am changing my bank account?

Which lenders do you work for?

What is continuous payment authority?

Can I transfer my credit agreement into someone else's name?

What happens if I experience financial difficulties?

What does APR mean?

Will the APR change during the term of the credit agreement?

Do I need to sign and return my credit agreement?

Which lenders do you work with?

I've lost my credit agreement, how can I get another copy?

What is a SECCI?

Can I pay off my credit agreement early?

Where can I view the credit agreement?


Can I renew my policy online?

How do I renew my policy?


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

Marketing consent

How can I view/change my marketing preferences?

Data portability

How can I send the personal data you hold about me to a new supplier or organisation?


How can I access the personal data you hold on me?

Right to rectification

What can I do if I think the personal data that you hold on me in incorrect?

Right to restriction

Can I restrict the way you use my personal data?

Right to be informed

Where can I find out more about how you use my personal data and what my rights are?

Right to be forgotten

Can I ask you to delete the personal data you hold about me?

Data processing

Where can I find out whether you are processing my personal data?

Life related

How much does it cost to change or cancel a policy?

Can I change my policy after purchase?

Why should I buy a Budget Life Insurance policy?

Will I need to have a medical to apply for my life insurance?

How do I cancel my life insurance policy?

Who’s behind Budget Life Insurance?

Do I get my money back if I don’t die whilst the policy is valid?

How can I trust that you’ll pay out on my claim?

Who receives my pay-out?

Does my policy become void if my habits change during the term?

Are there any exclusions to the policy?

Will my monthly premiums change?

What is a Trust?