FAQs

NCD stands for No Claim Discount (also referred to as No Claims Bonus and NCB), which represents the number of years you have held a policy without making a claim or having a claim made against you.

NCD can allow quite a large discount as it shows a good driving history. This must be proven to allow the discount. Unfortunately, insurance fraud is on the rise and we want to protect our clients from potential price increases, by verifying documents such as NCD, driving licences and other important information.

If your NCD expired over 2 years before the start date of your policy, you generally cannot use it. Please ensure that you discuss this with us when getting your quotation, as an additional premium would need to be paid if your NCD cannot be used if your quotation was based on it being in date.

We need to know what country your NCD was earned in as it can affect your quotation. The majority of underwriters will accept NCD only from the United Kingdom. We do have some schemes where we can accept NCD from other selected countries, so it is important that we are informed of the origins of your NCD before you accept the quotation. We can then make sure you have the right policy for your driving experience.

You can only use your NCD on one policy at a time. We do, however, offer policies that allow a discount if you have NCD on another policy. This is called an "Introductory Discount" and is usually only given if you are claim free.

For an extra premium you may be able to protect your NCD. This allows you to make a stated number of claims in a stated number of years without affecting your discount. For instance you may be able to make two claims in three years without your discount being affected. You can usually only protect your No Claims Discount at the start or renewal of your policy and not mid-term.

You must tell us everything that is relevant to your insurance. Failure to do so could result in your policy being cancelled or voided and you being left without cover. We need to know all your details, your driving history (any claims or motoring offences for you and any other drivers who will be using the car), the car details and the location. It is useful to remember that insurance companies and the police are starting to share information about cover, drivers and driving history.

Insurance companies need to take a lot of information in order to calculate a price: things like the make and model of car, postcode, driving history, claim experience, occupation, and type of use. By taking so much information we can personalise the price for your specific circumstances.

Every person’s individual circumstances are different. Insurance companies need as much information as possible to enable them to determine what the premium should be for the risk for each individual’s circumstances. Each insurer will view the details slightly differently based on their own experiences and claims statistics.

Sorry - We can only implement policies in the United Kingdom and the Channel Islands (we also have a limited group of insurers that will cover Northern Ireland).

Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01376 574000

Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.

Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01708 564 147.

Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.