Can I drive my vehicle abroad?
We offer the minimum level of insurance required (usually third party only) when the vehicle is being driven in a country which is a member of the European Union (see below for territorial limits).

As long as the vehicle is not a courtesy car or demonstration model, we may extend your cover to that in force in the UK subject to payment of an additional premium. This will be specified when going through the online application process.

The following countries can be covered: England, Wales, Scotland, Northern Ireland, the Republic of Ireland, the Channel Islands, the Isle of Man, Andorra, Austria, Belgium, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein), including transit between these countries.

Can I get instant cover?
Yes. Just contact our office on 01395 255 100

Can I use the short term policy documents to tax my vehicle?
No. Whilst a short term certificate is proof of valid insurance, neither the DVLA nor Post Office will currently accept certificates printed online for the purposes of taxing your vehicle.

Can I arrange future dated cover?
Yes. We will happily quote and give cover for up to 28 days in advance.

Can I arrange cover for a date in the past?
No. Cover can be taken out at the earliest for the current date and time, as verified by our servers.

What can I use my vehicle for?
Your policy will cover usage for social domestic and pleasure use, commuting to and from a permanent place of work and for the Policyholder ONLY, personal business use may be available dependant upon the circumstances of the risk. This will be made clear in the quotation process.

See Cover Summary for full details.

What should I do if I have an accident or the car is stolen?
See the Claims Information section on this site.

Should I tell my current Insurer if I make a claim under this policy?
Yes. You are obliged to disclose all material facts to your current or any future insurer prior to renewal. If you do not do this, your annual insurance policy may be invalidated.

Courtesy car and demonstrator insurance specific questions - Motor Traders

My existing Motor Trade Policy covers courtesy cars and demonstrators. Why don't I just use that?
If you provide insurance under your motor trade policy and the customer makes a claim, it's your own insurance premium that will suffer in the long run.

What if my customers wish to self insure the vehicle?
Many insurers do allow cover for courtesy cars. However, the customer will usually incur an administration charge for doing so. Asking a customer to arrange their own insurance is a difficult and laborious administrative task for an already over-burdened customer. In the event of an accident, even if a customer has temporarily arranged cover for the day on their own insurance policy, you have no practical means of forcing that customer to make a claim for your vehicle. Where you allow a customer to self insure, We suggest that you should always insist on sight of a valid cover note to confirm that comprehensive cover is in force on your car. Remember - it's your car, and it's therefore your right to determine how it's insured. A customer's insurance certificate (even if it specifically provides automatic cover for courtesy cars) is only evidence of third party insurance.

Foreign Use - courtesy cars and demonstrators
We only offer the minimum insurance required (usually Third Party Only) for countries who are members of the European Union. This cover level cannot be increased where the vehicle is a courtesy car or vehicle used for demonstration purposes.