Frequently Asked Questions

In the UK having insurance for the vehicle your drive is a legal requirement.  Legally all vehicles must have at least third party cover at all times. We understand what you need and are able to provide affordable, great cover van and car insurance.

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 or van 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 notice.

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 for our car insurance that was earned on a company car or fleet policy or as a named driver on somebody else’s policy.

If you are purchasing van insurance in the company name we will accept NCD in the company name or in the name of the primary driver.

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 you can upload it by phone or computer in your secure customer portal.

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

To contact our Customer Service Team call

Car insurance: 0330 024 4774

Van insurance: 0333 241 4343

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.

Our van insurance policy does NOT include cover for driving other vehicles.

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.

Car insurance: 0330 024 4747

Van insurance: 0333 241 4343

Depending on the details of the driver you are adding, there may be an impact on the cost of your 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 to our car insurance policy if you require. To find out which level of cover is suitable for you, please visit our Policy Features and Benefits page.

Breakdown cover is not available with van insurance.

CAN I DRIVE ABROAD?

Absolutely, you are covered to drive abroad to the European Union.

If you have a car insurance policy we will be able to provide full policy cover for up to 13 weeks completely free of charge. For van insurance you are covered for 28 days,

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 call us on 0330 024 4774 (car insurance policies), or 0333 241 4343 (van insurance policies) 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.

If you are driving in Europe after the 29th March, in the event of a no deal Brexit, you will need to apply to us for a Green Card. Please ensure you request this at least 15 days prior to your travel. If you do not have a Green Card you are at risk of not having insurance and being fined.  Please read our other FAQs on Green Cards for more information or read our blog.

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

WILL A NO DEAL BREXIT AFFECT MY INSURANCE?

Potentially yes. If you are planning on driving in Europe after the 29th March 2019 you will need a Green Card from your insurance company. This will need to be kept with you when you are driving.

A Green Card is an international certificate of insurance and provides proof of insurance for anyone driving their vehicle in any country within the European Economic Area (EEA) and also Andorra, Serbia and Switzerland. A full list of countries is available here.

An agreement was made in May 2018 between the relevant European insurance authorities to waive the need for a Green Card but this has not been confirmed by the European Commission so you will need a Green Card.

Find out more on the gov.uk website

WILL I NEED A GREEN CARD IF I'M ALREADY IN EUROPE?

If you are already driving in Europe before the 29th March 2019 you will need a Green Card.

If you do not have a Green Card (proof of insurance cover), you may not be able to drive in that country and you may be fined according to the law of that country.

Find out more on the gov.uk website

DO I NEED A GREEN CARD FOR DRIVING IN EUROPE?

If you are driving abroad soon and will be back in the UK before the 29th March 2019 then you don’t need a Green Card. However, if there is a ‘no deal’ Brexit then you will need a Green Card if you’ll be driving in Europe after the 29th March 2019.

If you do not have a Green Card (proof of insurance cover), you may not be able to drive in that country and you may be fined according to the law of that country.

Find out more on the gov.uk website

If you need a Green Card, please email us the following details:

  • the start and end date of your journey
  • the countries you are going to visit
  • your policy number
  • your address

CAN GREEN CARDS BE EMAILED TO ME?

No. Green Cards need to be sent to you in the post.

If you will be driving in the EEA, Andorra, Serbia or Switzerland after the 29th March you will need to apply to us for your Green Card.  The Green Card will need to be sent to you through the post so please allow 15 days to apply before you plan to travel and ensure your policy address is correct.

Please email us the following details:

  • the start and end date of your journey
  • the countries you are going to visit
  • your policy number
  • your address

The Green Card is an extension of the policy so if there are any changes to the policy details, including address, driver or vehicle cover details please let us know.

Visit the Government website for more information about Green Cards.

DO I NEED AN INTERNATIONAL DRIVING LICENCE?

After the 29th March 2019 your driving licence may no longer be valid by itself when driving in the EU.  If there is a no-deal Brexit you may need to obtain an International Driving Permit (IDP) to drive in the EU. This document must be carried with you, together with your UK driving licence when driving in the EU. There are different types of IDP depending on which country you are visiting so check to see which one you will need.

If you do not have an IDP you may risk being turned away at the border or other enforcement action, e.g. a fine.

International Driving Permits are NOT provided by your insurance company. To find out more about them and how to obtain one, visit the Government website, click here.