Viewing your insurance documents online is simple. You can access your documents immediately by registering to view them online Once you have registered you will be able to view and print your certificate and policy documents.
If you aren’t covered by at least Third Party Only insurance and you accidentally drive into the back of someone else’s car you might find that you are unable to cover the costs incurred by such an accident. Plus you will have broken the law. In cases like this there are often medical bills to pay as well as the cost of repairing the damage to the other car. The law is there to make sure the person who is not at fault doesn’t end up having to pay for everything.
Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI). The aim is to help them to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we or your Insurers may search these registers.
When you claim, you may initially have to pay your excess. And, if investigations are still ongoing when your renewal is due, you may temporarily lose your no claims discount. But once we’re sure that the accident was the fault of the identified uninsured driver, we’ll refund your excess, restore your no claims discount and refund any extra premium you’ve paid for any temporary loss of your no claims discount.
Our policies are provided by some of the best-known names in UK insurance, and because of our industry standing we have been able to negotiate favourable deals that aren’t available to the general public. Many people only make comparisons on price and end up buying a policy that is not right for them and may not provide the cover that they need. At A-Plan we manage a carefully selected panel of top insurers and help you find a policy that can save you money without compromising on cover.
Understand that credit card insurance is secondary insurance meaning that you are liable for and pay all damages. Then, pursuant to your claim, you are reimbursed an amount that is considered adequate. The amount may or may not actually reimburse you the total of the actual charges you incurred. I’ve had a few fender benders type accidents over the years, but have never had to pay for any damage when using the Amex card.
Liability – This part of your policy will cover damage to other cars, property and people that were involved in the accident. Any injured persons that were in your car that are not direct family members are covered by liability as well. There is no deductible for any liability claims. This is certainly a better situation than the first example, but this is where most people get confused. Coverages are used differently.
The whole experience was quick and easy. All staff very friendly and helpful, a real pleasure to do business with your company. It’s such a refreshing change to speak to a real person! With the tool, Google delivers up to 14 sponsored listings from insurers with rate quote information (it’s likely that number will increase as the program expands). Users can buy policies online or by calling an agent from their phones. MetLife and Mercury Insurance are among the initial advertisers.
Cover is subject to terms, conditions, restrictions and exclusions. Compulsory excesses apply. Full details are available in the policy document which you can download when you receive a quote. Please read the policy document before purchasing the policy. Standard underwriting and acceptance criteria apply. Motor legal helpline – if you require legal advice relating to a motoring issue, there is a 24/7 helpline, with a team of advisers to help you
Medical – This is one of the most misunderstood parts of insurance. Medical insurance covers yourself and anyone else in your car for medical expenses prior to assignment of fault. Collision – This coverage is used temporarily until your insurance coverage can get payment from the other insurance company. With most insurance companies, you will be subject to a deductible until the other insurance company pays. License plate – Make sure you get the license plate of the other car in case they decide to take off.
Family and Partners policy allows two policy holders, who must be family members (defined as spouse, partner, parent, brother, sister, adult child or fiancée), travelling together or separatelyOur standard policy covers up to 8 named drivers who’re covered provided the lead policy holder is present in the car. If you think that the lead policy holder may not be present on all journeys, our friends and family product allows you to add an additional lead driver to the policy giving you greater flexibility without buying more than one policy.