FAQs - Need guidance getting a quote?
Why is it so important to put the correct address on your policy?
You need to ensure all information provided to us is accurate so that you are properly insured. Your current address is confirmed in that documents that we will email to you, such as your certificate or any further correspondence. Insurers are able to request proof of address from their policyholders to make sure that the address on file is the correct one so that they have the appropriate cover in place.
Tip: It's important that the address listed on your policy is the one at which your vehicle is kept most of the time.
Why is it also important to disclose your occupation correctly?
You need to ensure all information provided to us is accurate so that you are properly insured. As with your address, it's also important to disclose your occupation correctly. If you are dishonest about your job, for example you say you're a policeman but you're actually a footballer, then you may risk your claim being rejected or your policy being cancelled. Insurers are able to request proof of occupation if they suspect you may not have disclosed this correctly, if this proof is not received your policy will be cancelled.
What is a disclosable medical condition?
These are medical conditions or disabilities that may affect your driving ability and it's a criminal offence not to notify the DVLA and your insurer. Notifiable conditions can include, but are not limited to:You need to ensure all information provided to us is accurate so that you are properly insured. As with your address, it's also important to disclose your occupation correctly. If you are dishonest about your job, for example you say you're a policeman but you're actually a footballer, then you may risk your claim being rejected or your policy being cancelled. Insurers are able to request proof of occupation if they suspect you may not have disclosed this correctly, if this proof is not received your policy will be cancelled.
- other neurological and mental health conditions
- physical disabilities
- visual impairments
Tip: If you're unsure, it's best to get in touch contact us
Licence Length - how accurate do I have to be?
You need to ensure all information provided to us is accurate so that you are properly insured. Most websites will allow you to enter the exact date you got your licence, so it's always best to do that. However some sites will only ask for the amount of years you've held your licence.
Tip: If you have held your licence for 3 years 10 months, you'll need to put this down as 3 years, even though it's closer to 4. Only full years count.
How many motoring convictions do you accept?
There is no set number but it's important that you advise us of all convictions so we can ensure you are paying a premium based on the correct details.
Tip: The impact that a conviction has on your premium will depend on the type of conviction.
What to do if you've had a previous policy void or cancelled?
It's always better to be honest at the start than to be caught out later, so if you have had a previous policy cancelled or void it's important to disclose this to your insurer before you incept the policy. The best thing to do would be to call the insurer to discuss your options because if this is found out at a later date it could mean that your new policy is also void or cancelled due to the non-disclosure.
Why is it important to tell us about previous incidents, accidents, losses and claims?
Any incidents, accidents,claims or losses that were made or occured on a previous policy need to be disclosed or you could be charged an additional premium or have your policy cancelled or voided.
This applies even if the claim was made by a named driver who is not on your new policy. It also works the other way, so if you had an accident when you were a named driver on someone else's policy you would also need to disclose this on your new policy.
Tip: Insurers have access to online databases that have information on all UK claims and when a new insurance policy is taken every driver's details are checked against this database so any incorrect claims information will be picked up.
I don't intend to claim on my policy, do I still need to report a claim?
Yes you do, regardless of whether you intend to claim we need to be notified of any accident or loss.
Tip: Failure to do so might result in the cancellation of your policy or problems if you do claim.
Do I need to disclose previous windscreen or glass claims?
It's important you disclose any previous damage to windscreen or glass so that we can ensure your policy is based on the correct cover, failure to do so could affect any potential claims settlement amount.
Are there any mileage restrictions on your policy?
No. We will ask for your expected mileage up front but unlike some insurers there are no mileage limitations on our polices.
When will I receive my policy documents?
We aim to email your documents within 48 hours. We will also advise you of your online portal access which offers you 24/7 access to your documents.
Tip: Check your junk folders just in case your email has filtered them wrongly.
What does a garage endorsement mean?
If your car is parked in a lockable garage, as stipulated in your policy, you are eligible for a garage endorsement which could mean lower premiums.
My documents have a security endorsement, what does this mean?
The security endorsement is triggered when you state on your policy details that your car is fitted with a factory fitted alarm/immobilisers.
Tip: These must be in full working order to be applicable.
Can I get instant insurance cover?
Yes, providing you can supply all the information we need to insure you, you can specify today's date and the time you require the cover to begin.
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Holiday Extras Car Insurance Services is a trading name of Somerset Bridge Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 477112). Registered in England and Wales (No. 6334001). Registered office: Lysander House, Catbrain Lane, Cribbs Causeway, Bristol, BS10 7TQ.