Frequently Asked Questions

In the UK car insurance is a legal requirement.  Legally all cars must have at least third party cover at all times. We understand what you need and are able to provide affordable car insurance and great cover.

Insure 2 Drive car insurance is straight forward and it’s easy to understand what your policy covers you for, meaning that you can make decisions about your policy quickly and easily. And to help you further, below are a list of frequent questions that we are asked:

WHAT IS VOLUNTARY POLICY EXCESS?

Most insurance companies require you to choose a voluntary policy excess. This is the amount that you must pay, in addition to any compulsory excess, towards a claim where you are deemed to be at fault. In some cases, choosing a higher voluntary excess may reduce the premium you pay but you need to ensure that you can easily afford to pay that amount in the event of a claim. If you decide to pay a higher excess as a way to reduce your premium, it is worth making sure that the voluntary excess does not exceed the value of your car.

Details of your excesses 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 drivers excesses apply to any driver on a policy aged between 17-24. These excesses are due in addition to those shown in your Policy Schedule and Policy Wording. Read our policy wording to view our Young Drivers Excess table.

HOW DOES A NO CLAIMS DISCOUNT WORK?

Insure 2 Drive reward careful drivers with a No Claims Discount (NCD). Each year that you avoid having to make a claim, we will increase the discount that you receive on your car insurance.

CAN I USE AN EXISTING NO CLAIMS DISCOUNT?

Yes, if you have already built up a No Claims Discount (NCD) you can use that discount on Insure 2 Drive as long as you aren’t already using that discount on another policy. All you need to do is send us a copy of your NCD proof from your previous insurer, before your new Insure 2 Drive policy has been active for 14 days. You can normally see the NCD you have earned on your previous insurers renewal quote.

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 an NCD that was earned on a company car or fleet policy or as a named driver on somebody else’s policy.

WHAT ARE THE BENEFITS OF PROTECTING MY NO CLAIMS DISCOUNT?

If you have no more than two claims in any five year period, you will not lose any of your No Claim Discount. Protection may be available if you have 1 or more years No Claims Discount.

DO I NEED TO SEND INSURE 2 DRIVE PROOF OF MY NO CLAIMS DISCOUNT?

Yes, you need to send us your proof of No Claims Discount (NCD) as soon as you can and we must receive it within 14 days. This is essential to validate your car insurance. You must send this to us via email or by post, our address can be found on our contact us page.

Proof of the number of years NCD you have earned is shown on the car insurance renewal notice you received from your previous motor insurer.

Please be aware that we will not be able to return your proof of No Claims Discount, so please make sure you have made a copy for your own records before sending it through.

HOW DO I CANCEL MY POLICY?

Different cancellation terms apply depending on how long you have had your policy. Please refer to our terms and conditions or contact our Customer Service Team on 0330 024 4774 or email customer.services@insure2drive.co.uk

WHAT PAYMENT OPTIONS ARE AVAILABLE?

There are a few different options for payment. You can pay by spreading the costs across the year or you can pay for your car insurance in full by credit or debit card. Please find more details on our terms and conditions page.

CAN I DRIVE SOMEBODY ELSE’S CAR?

This will depend on a number of factors. If cover for 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 that where cover is provided for driving other cars, it is limited to Third Party Only.

HOW DO I ADD A DRIVER TO MY POLICY?

If you would like to add a driver to your policy you will need to speak to our customer services department. Please call them on 0330 024 4747. Depending on the details of the driver you are adding, there may be an impact on the cost of your car insurance.

In order to add a driver to your policy we will need to know; the driver’s name, date of birth, date they became resident in the UK, their occupation, the type of driving licence they hold and the date they obtained their licence, and details of any accidents/claims, convictions and medical conditions. We will also need to know what they will be using the vehicle for.

Please have all this information to hand when you phone so that we can make the change quickly for you.  You can add up to four additional drivers to the policy in total.

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.

HOW DO I ADD BUSINESS USE TO MY POLICY?

If you need business use on your policy please call our customer services department on 0330 024 4747. If the change is as result of you or an additional driver changing their occupation don’t forget to let us know so we can make sure you have the correct cover.

IS LEGAL COVER INCLUDED?

Yes, the premium we quote includes cover for Legal Expenses. See full Policy Features and Benefits for more information.

IS BREAKDOWN COVER INCLUDED?

No, breakdown cover isn’t included in the policy itself. However, we have teamed up with the RAC so that you can purchase cover as an additional product if you require. To find out which level of cover is suitable for you, please visit our Policy Features and Benefits page.

CAN I DRIVE ABROAD?

Absolutely, you are covered to drive abroad to the European Union.  Please let us know before you travel that you will be driving abroad in the EU and we will be able to provide full policy cover for up to 13 weeks completely free of charge.  If you don’t let us know in advance the cover provided will be restricted to the minimum required in the countries you’re visiting.

If you are travelling outside the EU please either call us on 0330 024 4774 or send us an email us including the details of which countries you are visiting and your departure and return dates and we may be able to arrange suitable cover for you. See our full policy wording for more information.

WHAT IF MY DETAILS OR CIRCUMSTANCES CHANGE?

You must let us know immediately of any changes to your circumstances as filled out in your policy details.

This includes, but is not limited to, accidents (whether you were at fault or not), thefts (of or from the vehicle), disqualifications, convictions (motoring and criminal), change of your address, health matters, make and model of your vehicle, occupation (full or part time), use of your vehicle, vehicle modifications (cosmetic or performance enhancing), drivers, annual mileage, type of driving licence, changes of licence e.g. when you pass your driving test and the date the driving test was passed.

Changes to your details may affect your premium. If you are unsure if you need to advise us of the change please contact us by email

WILL MY COVER BEGIN IMMEDIATELY?

If you have requested an immediate start date then yes, you’ll be pleased to know that your cover will start as soon as you have made a successful purchase. Alternatively, your cover will begin on the policy start date you have selected when completing your quote. You will receive an email confirming your purchase and you will be able to view the start date and time of the policy in your policy documentation.  An email will be sent giving you access to your secure documents portal where you can view and download your policy documents.

IS MY PAYMENT SECURE?

Yes absolutely. To ensure the highest standard of online payment security, all transactions are supported by 3D Secure, which is designed to ensure enhanced security and strong authentication when you use your debit or credit card for online purchases. Depending on the type of card you are using it is called MasterCard SecureCode or Verified by Visa.

To learn more about Verified by Visa and MasterCard SecureCode, please visit the official Visa and

MasterCard websites via the links below:

> read more about Verified by Visa
> read more about MasterCard Securecode