Please ensure you have the following details to hand:
Your price has been calculated by ‘Us’, which includes the cost of your cover from the underwriter selected from our panel. (‘We/Us/Our’ – BISL Limited. Authorised and regulated by the Financial Conduct Authority).
If you find your vehicle's registration number does not return your vehicle's details, you can enter the vehicle's year of manufacture, make and model to assist your search.
Yes, you can obtain a quote without the car registration number, however, we will need this information if you decide to purchase a policy.
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 (excluding windscreen claims – comprehensive cover only).
Even in the case where an accident is not your fault, no car or van insurance policy will cover all your losses. Legal Cover (also known as Motor Legal Protection) can cover certain costs; which you may incur by seeking to recover your uninsured losses from the person who caused the accident.
If the accident is not your fault, your Legal Cover can instruct a solicitor to act on your behalf and attempt to claim compensation for your injuries, for example where a whiplash injury is caused by a rear end shunt. Even if you are the driver at fault, your passengers are covered under the Legal Cover policy if they are injured.
These losses can include your policy excess, loss of earnings, vehicle hire charges, personal injury damages (such as compensation for whiplash). Other losses include your vehicle repair costs (if third party cover), medical fees, compensation for the loss of use of your vehicle, damage to personal belongings, vehicle recovery, storage charges and out of pocket expenses. Our Legal Cover policies cover up to £100,000 legal costs and expenses.
In addition to the above our Legal Cover also provides you with the following
If you are facing suspension or disqualification of your driving licence, we can instruct a solicitor to act on your behalf. This provides cover for your legal expenses incurred in defending your legal rights up to a maximum of £20,000.
If you require legal advice relating to a motoring issue, our 24/7 helpline is here to assist.
Our Guaranteed Replacement Car or Van service keeps you mobile by providing a replacement vehicle should yours not be driveable following a claim. Unlike a garage's courtesy vehicle, which is subject to availability, our guaranteed replacement car or van service will provide you with a vehicle quickly and efficiently via a leading national network. This gives you peace of mind that you will not be left without a vehicle.
The car will be a hatchback or similar with an engine size of at least 1000cc.
In the event of a non fault claim we will make every effort to provide a vehicle of similar physical size to your own. The replacement van will be the same size, if possible for an accident that wasn't caused by you, until your van is returned or compensation agreed if your van is written off. For all other claims the replacement will be a car-derived van.
Our guaranteed replacement car or van service can be used in a range of claim situations, including:
No, you can use ‘social, domestic pleasure and commuting (SDPC)’ when travelling to your normal place of work.
You will need business use when travelling to other sites or any other business related travel.
The RAC provides the Breakdown Assistance and is for help with the mechanical or electrical breakdown of the van. Assistance is also available to customers who have been involved in accidents. No matter which insured driver drives the van the RAC will provide assistance.
Recovery from major roads could be very costly. With Dial Direct you get the following benefits at no extra cost.
Roadside Assistance: We’ll send an approved mobile mechanic to wherever your vehicle is stranded
Roadside repairs: Whenever possible, a mechanic will fix the fault or problem on the spot. There is no charge for labour, only parts used
Cover for any driver: Breakdown assistance policy covers anyone who is driving the vehicle (not just the policy holder) and it extends to any caravan or trailer you may be towing at the time, unlike many other breakdown covers.
National recovery: If your vehicle cannot be fixed by the roadside the RAC will take your van and up to 8 people to your destination, or back home.
24/7 service: Friendly operators who are on standby 24 hours a day, 7 days a week, alerting mobile units within minutes of your call.
The following options are available depending on your needs:
Third Party Only (TPO) - This will cover damage to third party vehicles only.
Third Party Fire & Theft (TPF&T) - This will cover damage to third party vehicles and also cover your vehicle in the event of fire or theft.
Comprehensive - This will cover your vehicle as well as third party vehicles in the event of an accident, regardless of fault.
Yes – subject to the insurers acceptance criteria.
Yes - All private car policies issued in the UK include third party cover for driving within any EU country.
Comprehensive/Third Party, Fire and Theft cover extension applies for a limited period.
Please refer to your policy documents for more information.
No, cover is provided for the car shown in your current certificate of motor insurance only, and the named drivers on the policy.
This is the number of years you have been insured and not made a claim.
You will need proof of NCD on purchasing a policy.
If eligible, you can protect your NCD which will allow you to make some claims without losing your NCD entitlement.
Yes, but this cannot be transferred back.
In some cases we may be able to accept No Claims Discount which you have earned on another vehicle. Please click the links below to find out more.
If you are a company car user who is moving to your own insurance then we will require a letter from your employer confirming:
A renewal notice, policy schedule or letter from the previous car insurance company.
No, we only accept proof of No Claims Discount from private UK insurance companies.
In certain circumstances we are able to tie documents together.
This site uses the latest technology to ensure that your payment details are secure.
Up to 5 additional drivers can be added to your policy.
If this is the result of a previous claim you have made, you will need to state that the claim was a 'Driver at Fault' claim.
If the cost is known, this should be entered in whole pounds when completing your details for a quote.
If you are not sure of the cost of a previous claim you can still complete a quote.
Just select ‘Unknown’ for the ‘Damage’ question. Alternatively, if the vehicle was a write-off and the cost is unknown, the cost field can be left blank.
If you have previously had an automatic ban, we will need to know how many points you were issued with and also the length of the ban before being able to quote.
You will need a credit agreement if you wish to pay for your insurance premium over a 12 month period as opposed to paying it in one annual lump sum. There is no need for you to enter into a credit agreement if you pay the full annual amount for your policy.
The annual price of your insurance premium does not include interest charges, it is a one off lump sum. If you choose to pay monthly, by instalments, this will be your credit agreement price as you only require a credit agreement for monthly payments.
You will be sent a letter advising you that you have missed a payment and you are, therefore, in default of your credit agreement. The letter will request that you contact us as soon as possible to make the payment. Alternatively, you can make a payment by logging into your personalised Self Service Centre. If you do not make the payment, either over the phone or through your Self Service Centre, by the time stated in the letter your credit agreement will be terminated and your insurance policy will be cancelled. You will incur a cancellation fee.
A credit agreement is a legally binding document which fully complies with the Consumer Credit Act. The agreement sets out the terms between yourself and the lender under which you must pay your insurance premium by monthly instalments.
If a credit agreement is cancelled early and your premium has not been paid in full then your annual insurance policy will also be cancelled. Your lender will have full legal rights to retain any refunds due under the insurance policy to reduce the amount that you owe under the credit agreement.
The credit agreement is fixed for a period of 12 months and is also for a fixed sum amount (the amount that your insurance premium is). Based on these terms, it is a Fixed Term Loan Agreement.
As a responsible lender and to comply with Consumer Credit Legislation, we can only allow people who can afford it to enter into a credit agreement. In some limited circumstances we may not be in the position to offer you credit. In this instance you will be required to pay for your policy annually in one lump sum.
If you change your mind, you are fully entitled to cancel your credit agreement at any time. However if you cancel your credit agreement, you will need to either pay your premium in full or cancel your insurance policy. A cancellation fee will be applied if you cancel your insurance policy.
Unfortunately not, we can only accept payments from the policy holder or a person that is a named driver on the policy.
Yes, to change your payment date please contact our Customer Service Team. Alternatively, you can log in to your Self Service Centre to make this change.
Your payment will be taken on the next available working day.
We do not issue monthly statements for your credit agreement, but you can check your payment history and future scheduled payments by logging into your Self Service Centre.
As a responsible lender and to comply with Consumer Credit Legislation, we have to ensure that you can afford your monthly instalments. We ask you to pay a deposit to help us keep your monthly instalments as low as possible.
If you change your bank account, please keep us updated of your new details by either calling our Customer Service Team or logging on to your Self Service Centre to make the necessary changes.
BISL Limited acts as a credit broker. It works with BFSL Limited which is the lender. BISL Limited and BFSL are both part of the BGL Group of Companies.
When you provide us with your card number for payments, a continuous payment authority is set up. This means that we will be able to use your payment details to automatically take a future payment (at renewal, amendments etc.). This saves you from having to provide us with your payment details each time and ensures that your insurance cover continues without interruption. We will tell you in advance before taking any payments and you can cancel your continuous payment authority at any time.
No, the credit agreement must remain in the name of the policyholder.
If you cannot pay your monthly instalments when they are due, this could mean that we have to terminate your credit agreement and cancel your policy.If you are experiencing financial difficulties, you may wish to contact a free debt help organisation such as:
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. You can find your APR in your quote, in your SECCI and in your Credit Agreement.
No, your APR will remain the same throughout the period of your credit agreement.
You can access your credit agreement by logging into your Self Service Centre.
SECCI stands for 'Standard European Consumer Credit Information'. This document sets out all of the information you may need to know regarding your credit agreement. You will receive a copy of this as part of your quote if you choose to pay by monthly instalments.
Yes, you can pay the remainder of your insurance policy by contacting our Customer Service Team.
The credit agreement is contained within your specimen policy documents which you can review before you buy your policy. It will also be available for you to view in your policy documents at any time in your Self Service Centre after you've bought your policy.
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.insurancedatabases.co.uk
Your claims history may be checked and validated when you take out an insurance policy with us as it is one of the factors that we use when working out your insurance premium.Giving us the right information is important as it could help avoid any incidents where your claim may be rejected or policy cancelled.Please be advised that it is still your responsibility, as the customer, to provide us with the most accurate and up-to-date claims information. Please be aware of the below points when detailing your claims history:
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.
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.
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:
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.
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.
This information is covered by the Data Protection Act. Unfortunately we are unable to contact the insurer on your behalf. In order to keep your personal details confidential there may be restrictions on the information the insurer can release. You will have to contact your previous insurer direct to discuss any differences on the CUE database.
If the cost of your policy has gone up because of a difference on CUE there are a number of ways you may be able to reduce your premium:
You will need to call us if you would like to make any changes to your policy. An amendment fee may be charged as outlined in your contract with us which can be found in your policy documents.
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.
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.