At Insure 2 Drive, we don’t just offer you great value car insurance. We try to make your life easier, so we’ve included the following information to help you.
Easy ways to pay your premium
You’re welcome to pay your insurance premium in full with your credit or debit card. Alternatively, you may find it easier to pay a 20% deposit with your card and the remainder including interest, in 10 monthly instalments, by direct debit. Charges will be detailed on your quote page.
Your No Claims Discount
If you already have a No Claims Discount (NCD), please send us a copy of proof from your previous insurer, before your new Insure 2 Drive policy has been active for 14 days. Your NCD must have been earned on a private car or commercial vehicle policy in an EU country within the last two years and can not be in use on another policy. We can’t accept NCD that was earned on a company car or fleet policy.
Fraud prevention and credit searches
We need to make sure you are who you say you are when we give you a quotation, so we may use data from various sources, including credit reference agencies. Please tell us everything concerning your insurance details when we give you your quote, if we ask for information during your policy’s lifetime, and when you renew.
We want to protect you and our other policyholders, so we thoroughly scrutinise all claims for fraud. We also follow the practice of other insurers in passing information on all claims to the Claims and Underwriting Exchange Register. This is a central database of motor and personal injury incidents which have been reported to insurance companies. Insurance companies use the register to prevent multiple claims fraud and the misrepresentation of claims histories. This helps us keep down premiums for honest policyholders.
The Motor Insurance Database
We need to let you know that we will send your policy details to the Motor Insurance Database. This is the central record for all insured vehicles in the UK, which is managed by the Motor Insurers’ Bureau. The police use it for law enforcement. Once you have purchased your policy it can take up to 7 days for your vehicle to appear on the database. You can check if your vehicle details are on the database by visiting www.askmid.com.
How we protect your personal data
The insurer behind Insure 2 Drive, Sabre Insurance Company Ltd, is the Data Controller for any personal data you give to us; this is required by the Data Protection Act 1998. The information you provide will only be used by us, our associated companies and agents, and by reinsurers for insurance administration.
Financial Services Compensation Scheme
You’ll be reassured to know that your Insure 2 Drive policy is covered by the Financial Services Compensation Scheme. That means, in the unlikely event that we can’t meet our financial obligations to you, you may be eligible to claim compensation from the scheme. Full information and contact details are in our policy wording.
How to make a complaint
We aim to deliver the highest level of service to you. However if you’re ever dissatisfied with how we’re managing your policy please tell us as soon as possible. We take all complaints extremely seriously and always try to resolve them promptly. Full details of our complaint procedure is shown in our policy wording.
We’d like to know what you think of our service so that we can make sure it meets your expectations. We’re keen to address any criticism and keep improving Insure 2 Drive.
Write, email or call us on 0330 024 4774.
Can I drive somebody else’s car?
This will depend on a number of factors. If driving other cars is provided, it will be confirmed on the Quote page. Details will also be shown on your Certificate of Insurance under the permitted driver section. Please note cover is limited to Third Party Only where cover is provided for Driving other Cars.
Will my premium increase when I pass my driving test?
Yes it is likely to increase. The reason is that you’re a new driver on the road and you will more than likely be driving unsupervised. However, initiatives like Pass Plus can help new drivers gain a deeper understanding of driving and on successful completion of the Pass Plus course your premium may reduce.
What is an excess?
An excess is the amount you must pay in the event of any claim, regardless of who is to blame for the incident. It varies depending on the car that is covered, the age and experience of the drivers on your policy and if you have opted to take protected No Claims Bonus. Details of your excess will be shown on the premium page when you have completed your quote, and on your Policy Schedule and Policy Wording.
What is a Young Driver Excess?
Young driver excesses apply to any driver on a policy aged between 17 and 24. These excesses are due in addition to those shown in your Policy Schedule and Policy wording. To help you in understanding how the young driver excess is applied we have given a couple of examples below.
The named driver on the policy is 20 years of age and has an accident. The AD excess shown on the schedule is £250 but the schedule also refers to the young driver excess shown in the table below. Say your vehicle is worth £400 at inception of the policy then the additional excess will be £150. Add this to the £250 AD excess shown in your schedule and the total excess you would need to pay is £400.
The driver is 19 years of age and the vehicle has been stolen. The FT excess shown on the schedule is £100 but the schedule also refers to the young driver excess shown in the table below. Say your vehicle is worth £2500 at inception of the policy then the additional excess will be £200. Add this to the £100 FT excess shown in your schedule and the total excess you would need to pay is £300.
|Driver Age||£101 to £200||£201 to £300||£301 to £500||£501 to £150,000|
|17 – 24 inclusive||£50||£100||£150||£200|
Why do I need to send you copies of all drivers’ licences?
By reducing the risk of fraudulent activity it enables us to offer you the best value premium. Just one of the ways we do this is to ensure we always collect copies of drivers’ licences to ensure the information people have given us is correct.