Words and terms coloured blue are defined
Accidents
All accidents or other claims and losses should be disclosed, even if they
occurred under a separate policy or vehicle. Losses over three years ago can be
ignored.
Address This
should be the address where your vehicle is garaged or kept overnight.
Agreed Value Policies for valuable vehicles, such as classic, vintage and veteran vehicles can include a statement of agreed value, where the insurer agrees the value of the vehicle, usually at the commencement of the annual policy.
Business
Your employer's business, trade or industry, or yours if you are self-employed.
If not applicable, you should state "Not employed",
"Retired", "Unemployed" etc.
Class of Use
This limits what your vehicle will be used for. The options are shown in the
drop down menu on the quote form. If selecting the Class 1 category, please
advise what you will actually be using your vehicle for in the "Notes"
section at the bottom of the form. For some occupations, this will not be
available and we will instead advise you to take Class 2 or Class 3.
Convictions
Motoring and criminal convictions should be disclosed if they occurred in the
last 5 years, except convictions for driving under the influence of drink or
drugs, or involving a prison sentence, which should be disclosed up to 11 years
ago. State the date of the conviction, the offence code (shown on the driving
licence - not the Court code), points on the licence for the offence and the
fine or suspension period. For drink and driving offences, we also need to know
the blood/alcohol, urine/alcohol or breath reading.
Cover
Comprehensive (abbreviated Comp) is the widest cover, insuring against claims
for damage to your vehicle, including fire and theft, in addition to the
standard third party cover provided.
Third Party Fire & Theft (abbreviated TPF&T or TPFT) insures for fire
and theft damage to your vehicle in addition to the standard third party cover
provided.
Third Party Only (abbreviated TPO) is normally the minimum level of cover
required by law. Insurance cover is provided against claims from other people,
including passengers. See Road Traffic Act for further
details.
Deductible See Excess
Disabilities Must
be disclosed to the Driver Vehicle Licensing Authority in Swansea and insurers
advised of their decision. State if the licence is restricted in any way and
medication or treatment required.
Drivers You
must state who will drive your car. You must disclose any drivers under age 25
to ensure full policy cover applies.
Engine capacity Stated in cubic centimetres (cc). For example, a Ford Mondeo 1.8 GLX is approximately 1,800 cc.
European Union Member Countries (EU) As at September, 2000, these countries were members: France, Germany, Spain ...
Excess Also known as Deductible, this is the amount you are responsible before your insurers will pay. Excesses can apply to all sections of a policy, or defined parts. It is common for motor policies to have a minimum £100 excess for fire, theft and malicious damage claims and £40 or £50 for windscreen claims (see also windscreen). All insurers incorporate higher excesses for young (under age 25) or inexperienced drivers (who have only held a driving licence for less than a year)
Foreign use Also known as Green Card cover For European Union member countries (EU), all UK insurers provide the minimum insurance required by law in the country of travel. This will be often be less than the Third Party Only cover provided in the UK, as UK cover is better. It is advisable to check that your policy is at least equivalent to the cover you have in the UK (it is not possible to have higher cover abroad than you would have in the UK). Some insurers charge an additional premium to extend to include foreign use. The current Certificate of Insurance or a cover note should always be taken and is all that is required to confirm cover to the Police or authorities. For travel in Spain, it is advisable to also have a Bail Bond, obtainable from the vehicle insurer.
Green Card cover See Foreign Use
Make and model Give full details of your vehicle, e.g Ford Mondeo 1.8 GLX hatchback, petrol.
No Claims Discount Stated in years (of claim-free driving), insurers allow a varying percentage discount off their premium. Typically, this will be 1 year = 30%, 2 years = 40%, 3 years = 50%, 4 years = 60%, 5 years = 65%. Some insurers will allow an introductory discount on first insurance, or for previously having a claim-free record of driving a company vehicle. No Claims Discount is normally valid for up to 2 years after a policy has expired. It is earned for each vehicle, so a person with 2 or more vehicles may have separate No Claims Discount entitlement for each vehicle. Following a claim, the level of No Claims Discount is reduced, normally stepping back 2 years (e.g. 4 years back to 2 years). Each claim will affect the level of No Claims Discount. It is possible to pay an additional premium to preserve the No Claims Discount (see Protected No Claims Discount)
Occupation Your job. If you have a part-time job, this should be stated to insurers. If you have more than one job, all should be stated.
Postcode If you do not know your current postcode, please ensure you enter your full address and we can obtain your postcode. All insurers now use postcode in their premium calculations, so we cannot quote without this information.
Protected No Claims Discount Most insurers offer to preserve your No Claims Discount following a claim by paying an additional premium. Most insurers offer this when you have at least 5 or 6 years No Claims Discount, but some offer it earlier.
Road Traffic Act is the statute detailing the Law applying to use of vehicles on the Public Highway, including the requirements of insurance cover for vehicles. The Road Traffic Act cover provisions may be lower than the Third Party Only cover provided by many insurers.
Security Manufacturer's standard fitment should automatically be taken account of, but state any additional fitments or devices. This will help reduce your premium. Some high risk vehicles may require certain approved security devices before insurers will provide theft cover. Please give as much information as possible - we have an extensive list of over 500 alarm and immobiliser devices and need to identify the correct one. We can assist in providing information about fitting extra security - Refer to our Services Information Page.
Value Your estimate of the vehicle's current market value, ie the amount you might expect to sell the vehicle for in a private sale. If you are unsure, there are several proprietary guides available from newsagents. Your estimate of the value does not necessarily mean this will be the amount paid to you in the event of a total loss claim. Vehicle values fluctuate and most vehicles depreciate over time. However, you should not underestimate the value, as insurers basis of settlement is usually "estimated value or market value, whichever is the less". Agreed Value policies are available for certain classic vehicles.
Windscreen cover Normally applies to all the glass of a vehicle. A £40 or £50 excess (see Excess) applies to claims for glass replacement, but many insurers waive the excess if the glass can be repaired, which is sometimes possible. Insurers may require use of an approved windscreen company, otherwise they may limit or exclude the amount of cover.
Year of Registration This is stated on the Vehicle Registration Document and is the date the vehicle was first registered for road use in the UK. This is normally regarded as the year of manufacture for the purposes of premium calculation. If the vehicle was imported and the date of registration in the UK is after the manufacture date, state the manufacture date instead. (NB It may be difficult to insure a vehicle which was not originally manufactured for the UK market, please state the country of origin if this is the case).