Many car insurance policies do cover you to drive other cars but this is not included on all policies as standard. To find out if you are covered to drive other cars you can check section 3 of your Certificate of Motor Insurance.

The “drive other cars” extension allows the Car Insurance policyholder to drive someone else’s car with the owner’s permission. Cover on that car is limited to Third Party Damage only, and will not be Comprehensive even if that’s the level of cover on your own car. Third Party Damage does not cover damage to or theft of the borrowed car. The entitlement is only available to the policyholder and not the named drivers on your policy.

Your No Claim Discount (NCD) is related to the number of years you’ve gone without making a claim on your car insurance. Building up your NCD over a number of years can help you get a discount on your Car Insurance premium as it shows you’re a less risky driver to insure.

This is the amount of money you’d have to pay, over and above your Premium if you make a claim for loss or damage to your car or other specific situation.

There are two main types of excess – Compulsory, which is set by your insurer and not possible to change, and Voluntary, an additional amount that you may be able to increase with your insurer which should generally, reduce the cost of your premium. There may also be other excesses applicable so check your Schedule to see excesses that apply.

Increasing your Voluntary excess will mean you’ll contribute more towards a claim if you need to make one, so you should make sure you can afford the total amount of all excesses combined should the worst happen and you need to pay it.

Yes you can. You'll need to take out a separate policy for each car.

This depends on a number of things, such as, the level of cover you choose, the car you drive and how long you’ve been driving. These are considered along with other things when assessing the risk and calculating the cost of your car insurance. Saying that, you could reduce this cost by: opting for a higher excess (as long as you’re happy and can afford to pay that excess in the event of a claim): driving cars in low-numbered insurance group; and building up a No Claim Discount (NCD) over a number of years by driving safely.

This depends on the level of cover you choose. For example, Third Party Only simply covers the costs of damage to another person (third party) and their property in an accident, while Fully Comprehensive covers you and your vehicle in addition to the other party and their vehicle. See the section below for more information about different levels of cover.

Yes, if you want to drive on UK roads, the law requires you to have car insurance. 

Yes. We’ll quote for the majority of electric cars available within our market however this is subject to our normal underwriting criteria. Some common electric vehicles we can quote for are: The Nissan Leaf, The Renault ZOE, BMW i3, Kia Soul and the VW e-Golf.

You do not need to inform us and your cover will not be impacted in accordance with the ABI Volunteer Driving Commitments. For full details, you can find out more on our designated Welcoming Refugees help page.