Frequently Asked Questions

We hope that the following questions and answers cover all your queries. Simply click to find the answers, or use our handy search feature below. If you would like to discuss a matter further do get in touch with us.

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We will only insure vehicles registered in the United Kingdom.

We will not insure people living on Houseboats, in Caravans & in Mobile Homes unless permanently living there for at least 3 years with the same postcode.

We will not insure people living on Houseboats, in Caravans & in Mobile Homes unless permanently living there for at least 3 years with the same postcode.

We will not insure people living on Houseboats, in Caravans & in Mobile Homes unless permanently living there for at least 3 years with the same postcode.

No.
Only a complete year will count towards No Claims Discount. If you cancel the previous policy, you will lose any no claims bonus that you have started to build

If the vehicle is repairable and our approved repairer is utilised, every effort will be made to supply you with a courtesy car* for the duration of the repairs (subject to availability and the policyholder being aged over 25 - excludes fault claims where the car is written off or if a theft claim is made).

*Courtesy cars usually consist of a small class 'A' vehicle such as a Vauxhall Corsa or Ford Fiesta.

If a driver has any of the following medical conditions or disabilities that may affect their driving ability, they must advise the DVLA.

If the DVLA have not been advised, or the licence has been revoked, we will decline to provide cover.

Drivers must notify the DVLA if they have any of the following conditions:

  • An epileptic event (seizure or fit)
  • Sudden attacks of disabling giddiness, fainting or blackouts
  • Severe mental handicap
  • A pacemaker, defibrillator or anti-ventricular tachycardia device fitted
  • Diabetes controlled by insulin
  • Diabetes controlled by tablets
  • Angina (heart pain) when it is easily provoked by driving
  • Parkinson's disease
  • Any other chronic neurological condition
  • A serious problem with memory
  • Serious episodes of confusion
  • A major or minor stroke
  • Any type of brain surgery or brain tumour
  • Severe head injury involving hospital in-patient treatment
  • Any severe psychiatric illness or mental disorder
  • Continuing/permanent difficulty in the use of arms or legs which affects their ability to control their vehicle
  • Persistent misuse of alcohol, illicit drugs or chemical substances in the past 3 years (do not include drink/driving offences)
  • Any visual disability which affects BOTH eyes (do not declare short/long sight, colour blindness)

Third Party Only Cover

Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).

There is no cover for damage to your car from any cause whatsoever.

This complies with the minimum legal requirements of the Road Traffic Act and very little more.

Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).

The cover also extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car

Comprehensive cover insures against any accident that you may have, whether your fault or not.
This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run.
However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim.
Comprehensive cover also covers your legal liability to third parties (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
The cover extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car.

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.

 (i) Where cancellation rights exist
If you are a consumer buying or renewing a policy which provides cover for you in a private capacity, you have the right to cancel your insurance policy, as well as the Legal Expenses, Breakdown Cover, Windscreen and Personal Accident Cover without giving any reason, during a period of 14 days either from the day of purchase of the contract, or the day on which you receive your policy documentation; whichever is the later. If you exercise this right and the cover has not yet commenced, you will be entitled to a full refund of the premium paid.
If the insurance has commenced and provided that you have not made a claim, or a claim having been made against you, you will be entitled to a refund of the premium paid, subject to a deduction for the time that you have been on cover (calculated as a proportion of the annual premium) along with a £75 deduction for our costs attributed in concluding your policy, administering your contract up until the effective cancellation date and processing the cancellation.
To exercise your right to cancel a policy, please return your Certificate of Motor Insurance along with a signed letter of request for cancellation.
All policy add-ons products that you may have purchased will be cancelled if your main motor policy is cancelled. The premium for these covers are non-refundable. You will be required to return your Certificate of Motor Insurance immediately.
(ii) When cancellation rights do not exist
Standard insurance policies are arranged for a period of 12 months and you are required to pay the full amount stated. If the insurance is cancelled before the expiry date, other than in accordance with (i) above on receipt of your Certificate of Motor Insurance, you will be refunded on a pro rata basis for the period of insurance still remaining, subject to you not having made a claim, or a claim having been made against you during the period of cover less a £75 cancellation fee. We do not refund any initial charges as this was earned for arranging the policy and where the insurer’s premium has been discounted by GoSkippy Car Insurance, you will be advised of this in the cover confirmation letter. If the policy is subsequently cancelled before its normal expiry date, GoSkippy Car Insurance retains the right to deduct the value of the discount from any monies returned to you by the insurer. The cost of add-on products that you purchase will be non-refundable (other than in accordance with (i)).
If there are any unpaid monies when the policy is cancelled, we may withhold documents such as No Claims Discount to which you are entitled, until full payment is made. If you paid the premium by instalments the credit charges made by the premium finance provider will not be refunded.
We will not be able to process any possible refunds due on cancellation until we receive your Certificate of Motor Insurance from you

We will reimburse any person using any Car which is covered under this policy for payments made under the Road Traffic Acts for emergency treatment.

A payment under this section will not affect your No Claim Discount.

A motor vehicle repairer approved by GoSkippy and authorised to repair Your Car following a claim under your Policy.

There are not any mileage limitations on our polices. We ask details of the annual mileage of the car - if your circumstances change and you find you are using the car more or less than expected, please contact our customer service team.

You must advise us of any convictions when taking out or renewing a policy.

Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.

Use for tuition is excluded from our policies. This applies to professional driving instructors.

Vehicle registration mark starting with a "Q", issued by the DVLA indicating that:

  • Vehicle was not originally registered in the UK and proof of age cannot be established
  • Or vehicle was built using significant proportion of used parts
  • Or vehicle has been stolen and recovered
  • Or vehicle was written off due to uneconomical repairs

Kit cars usually have a Q plate.

For the purposes of a quote, you will not require a registration number - however to purchase a policy, the registration number will be required.

We only offer policies for 12 months.

1. Comprehensive Cover
Comprehensive cover insures against any accident that you may have, whether your fault or not.
This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run.
However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim.
Comprehensive cover also covers your legal liability to third parties (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
The cover extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car.
2. Third Party Fire and Theft Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
The cover also extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car.
3.Third Party Only Cover
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault).
There is no cover for damage to your car from any cause whatsoever.
This complies with the minimum legal requirements of the Road Traffic Act and very little more.

GoSkippy does not cover three-wheeled vehicles.

 Your car will remain insured whilst towing either a trailer or caravan.
Please note that even if your car is covered on a fully comprehensive basis, the trailer/caravan will only be covered on a Third Party Only basis.
Damage to the trailer/caravan will NOT be covered, however Third Party damage caused by the trailer/caravan will be covered.

Unfortunately we cannot cover you for taking a car on a test drive and do not offer one day insurance.

Below is an example list of some of the types of vehicle NOT covered by GoSkippy:

  • Cars with more than 8 seats (including driver)
  • Ice cream van
  • Refrigerated / insulated van
  • Milk float
  • Water cart
  • Livestock transporters
  • Minibuses
  • American manufactured vehicles
  • Agricultural vehicles
  • Any "special" types
  • Carrying corrosive, explosive or toxic goods
  • Coaches
  • Forestry vehicles
  • Mobile shops
  • Oil / petrol tankers
  • Over 2 tonnes carrying capacity
  • Skip carriers
  • Tippers
  • Transporters
  • Concrete mixers

Windscreen cover will pay for a broken or damaged windscreen, windows or glass sunroof as well as any scratching of the bodywork caused by breakage.

Check the insurers Policy Wording for the excess and claim number.

Legal Expenses Insurance allows you to recover your uninsured losses if you are involved in an accident that is not your fault.

Uninsured losses can include:

  • Compensation if you are injured or compensation for your family if you are killed.
  • Compensation for damage to your personal belongings.
  • Accident repair costs if you do not have comprehensive insurance cover.

If you have told us that you keep your car in a garage at your home address, there will be a garage endorsement on your policy.

If your car is at home overnight, please put it in the garage.

If your car was stolen from near your house, and it was not in the garage (e.g. on the road outside or on the driveway) your insurer may refuse to pay the claim or your excess could be increased. Check the individual insurers Policy Wording for conditions regarding garaging.

The Security Endorsement is triggered when you state on your policy details that your car is fitted with a factory fitted alarm/immobiliser.
The endorsement is instructing you to use the alarm/immobiliser when the car is parked.
If the security device you have listed is not being used, there will be no cover for theft or attempted theft.

You must advise us of any Convictions when taking out or renewing a policy.

Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.

If your motoring conviction has occurred part way through your policy term, you do not need to notify us of it until renewal.
 

The Date of Birth of a policyholder is an important rating factor.

If this is incorrect, please contact our customer service team urgently for assistance. 

Once you have taken out a policy, it will not be possible to change the start date and time.

If you have set up a policy and the start date and time needs to be changed, please call our customer service team for assistance.

Please note that we are unable to change the inception date and time of your policy once the cover has started. 

You will not be able to increase the level of cover part way through the policy, unless you are also changing your car.

The level of cover applies to the policy as a whole, not to individual cars.

If you have more than one car on your policy, they can only be covered at the same level.

You cannot have one car covered Fully Comprehensively and another covered Third Party Only on the same policy.

A Mid Term Adjustment is a change made to a policy after it has started, please contact our friendly customer service team should you wish to make an adjustment to your policy please contact us. Mid Term Adjustment is a change made to a policy after it has started.

No.

European cover is for travel purposes only.

Only "Social, Domestic and Pleasure" is applicable as a European class of use - regardless of the class of use you have selected for your UK cover.

  • An excess is the amount you must pay towards an applicable claim.
    The reason for this is to prevent lots of small claims which would increase insurance premiums for everyone.
    The excess on a comprehensive policy is split between compulsory excess and voluntary excess:
     
  • The compulsory excess is an amount that cannot be changed;
    it is dictated by the grouping of your vehicle.
     
  • The voluntary excess can be changed to an amount between £0 to £500, this will affect the premium.
    (This can only be changed at the inception or renewal of a policy.)

    e.g. If someone has a very high premium, they may opt to pay a higher excess in order to reduce their premium.

Please note that if you select £0 voluntary excess, there will still be a compulsory excess on the policy.

If your policy is already running, please refer to your policy documents for details of your excesses and endorsements.

Please check here for the individual insurers Policy Wording for the territorial limits.

  • We will still provide cover for policyholders on active duty abroad, providing the vehicle remains in the UK.
     
  • We will not provide cover for you to use your vehicle abroad if you are based there with the armed forces, as European cover is for travel purposes only.
     
  • If you store your vehicle overnight on a UK base, this would not qualify for the garaging discount unless the vehicle is garaged.
     
  • If you reside at a private address, you do not need to do a change of address if you also reside regularly at the barracks. You would need to input the barrack postcode in the quote field where the vehicle is regularly stored overnight; the system will then rate on the highest postcode.

We will provide cover to drive to a MOT test centre if the insured car does not have a valid MOT certificate or to drive from the MOT test centre to an authorised repairer, providing that the MOT/ repairs were pre-booked. Please be advised we may ask to see evidence that the MOT was pre-booked. 

The Motor Insurers Database (MID) contains details of all registered vehicles in the UK and the related insurance details and is run by the Motor Insurers Information Centre (MIIC), a division of the Motor Insurers' Bureau.

MID data may be used by the DVLA and DVLNI for purpose of electronic vehicle licensing and by the police to tackle motor vehicle crime.

It normally takes 3 days to add data onto the Motor Insurers' Database (MID) and in some cases a little longer, therefore you may experience problems after taking a new policy out, when doing a change of vehicle and again at renewal.
The MIIC website (Motor Insurers' Information Centre) states that "If the vehicle is not on the MID it does not necessarily mean it is uninsured, although the police will clearly wish to make further enquiries and may ask to see proof of insurance - the certificate of insurance is still the proof".
If you wish to view the original source of this information, please click on the above link - this will take you to the MIIC website.
The MIIC is a division of the MIB (Motor Insurers' Bureau) and controls the MID (Motor Insurance Database).
You will need to download the "Brokers FAQs" and go to question 15.
The police should be aware of this and that the MID is not a real time tool and not 100% accurate.
It is at the discretion of the police as to whether they give drivers the opportunity to produce evidence of insurance, or impound the vehicle if they have reason to believe that the vehicle is uninsured.
If your vehicle has been impounded by the Police and a satisfactory reason is not forthcoming, you have the right to pursue the matter via the Independent Police Complaints Commission (IPCC).
We are not liable for impound charges.
We therefore recommend whilst you are driving you carry a copy of your motoring certificate as evidence of insurance.

In addition to the premiums charged by insurers, we make charges to cover the administration of your insurance. These are as follows:

  • Annual policy arrangement charges of no more than 25% of the insurer’s premium
  • A handling  charge of 2.5% will apply if payment is made by credit card
  • Mid-term alterations will be subject to a maximum £50.00 administration charge
  • There will be a charge of £5 per request for all duplicate documentation and non-standard letters
  • On cancellation of your policy a £75 cancellation fee will apply. Furthermore we do not refund any initial charges after the 14 day cooling off period as they were earned for arranging the policy. (See our “Cancellation of Insurance policies” below for full details).

We reserve the right to amend the level of charges at any time. You should also note that we will not be responsible for any fines or costs that you incur relating from late delivery of, or incorrect information on, any documentation relating to your insurance.

On our policies, we will only accept long term hire agreements of one year or more, in which you have established a legal contract with the hire company and are contractually responsible for any damage to the vehicle.

No. We do not insure the carrying of passengers for hire, reward or employment related purposes.

Claims for damage to windscreen or glass do not need to be disclosed.

Unfortunately GoSkippy does not currently offer cover for couriers

We will accept No Claims Bonus / Discount as valid for 2 years after the expiry or cancellation of your last policy.

If you cancel your policy mid-term, you will receive a cancellation schedule through the post which will provide details of any No Claims Discount that you are entitled to.

If you allow your policy to lapse at renewal, your renewal invitation will act as your proof of No Claims Discount and should be acceptable to most insurers.

After your policy has finished, you may request proof of no claims discount by contacting us.

Yes, we cover cars that have been converted to run on LPG for an additional premium.
Please add this on as a modification when either taking out or amending your policy.

If we are unable to meet our liability under this policy you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS).

This will depend on the circumstances of the claim.
Further information about the compensation scheme arrangements can be found on the FSCS website www.fscs.org.uk

Or by writing to:

Financial Services Compensation Scheme
7th Floor,
Portsoken Street,
London
E1 8BN.

Our best price is always displayed online and we do not price match.

Acceptable proof of bonus:
We are only able to accept the No Claims Discount you input provided that it is;

  • Previously earned on a private car
  • Previously earned for company car driving history (subject to a letter from your employer detailing claim free years)
  • Less than 2 years old and must be in policyholders name
  • All No Claims Discount must be in years not as a percentage
  • Not being used on another policy as No Claims Discount can only be used on one policy at a time
  • EU bonus (subject to insurer’s individual acceptance criteria)

Unacceptable proof of bonus:

  • Any form of bonus proof more than 2 years old
  • Proof of bonus not belonging to the policyholder
  • Motorcycle bonus
  • Bonus accrued concurrently cannot be added together

Note:If your policy is cancelled by Us due to non receipt of valid no No Claims Discount You will be entitled to a refund of the premium paid on receipt of your certificate of insurance subject to an administration charge for the costs incurred by Us in issuing the policy and a deduction for the period of cover you have had. You must return your certificate to us within 21 days or no refund will be allowed. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover.

If, when you provide your valid proof of No Claims Discount to us we identify discrepancies and/or non-disclosures which do not correspond to the information you have provided online when you purchased your policy, we may cancel your policy or apply the correct additional premium.

If your policy is cancelled you will be entitled to a refund of the premium paid on receipt of your certificate of insurance subject to an administration charge for the costs incurred by us in issuing the policy and a deduction for the period of cover you have had. You must return your certificate to us within 21 days or no refund will be allowed. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover.

Please go to our contact us page for more details.

Your insurance cover and premium is based on the information You supplied to Us in the most recent Statement of Information. You must check the details carefully as We expect You to provide complete and accurate information when You take out Your insurance Policy, throughout the lifetime of the Policy and when You renew Your insurance. If You are unsure about disclosing any information please contact us for guidance.

If there is a delay between when you purchased the policy and the start date, the policy is "frozen" during this time and changes cannot be made before the policy becomes active.

If you have any queries or concerns please contact our customer service team.

You have the right to cancel this contract of insurance, as well as the Legal Expenses, Breakdown Cover, Windscreen and Personal Accident Cover without giving any reason, within 14 days of receiving the Policy documents or the start date of the Policy, whichever is later.

If You exercise Your right to cancel during this initial period of cover, You will be entitled to a refund of premium paid, as long as We have received Your original Certificate of Motor Insurance and provided that You have not made a Claim, or a Claim having been made against You. Any refund will be subject to a deduction for the time You have been covered and for any costs incurred by Us in issuing the Policy. All administration fees and charges are detailed in full in the Terms of Business which you can view or download at the bottom of this webpage.

All countries mentioned under European Union Compulsory Insurance have agreed that a Green Card is no longer necessary for cross border travel.
Your Policy, Motor Policy Schedule and Certificate of Motor Insurance will therefore provide sufficient evidence that You are complying with the laws relating to compulsory motor insurance in any of these countries that You visit.

There is no cover for countries outside the Territorial Limits.

Some insurers on the GoSkippy panel can offer cover for more than one vehicle, please contact us on 0844 902 9700 to get a quote.

This insurance provides the cover shown in Your Motor Policy Schedule in any country in the Territorial Limits, subject to Your usual place of residence being in United Kingdom. This extension is provided for the purpose of travel only.

Check your Policy Wording for the maximum number of days cover http://goskippy.com/policy-documents

International Motor Insurance Card (Green Card)

All countries mentioned under European Union Compulsory Insurance have agreed that a Green Card is no longer necessary for cross border travel.

Your Policy, Motor Policy Schedule and Certificate of Motor Insurance will therefore provide sufficient evidence that You are complying with the laws relating to compulsory motor insurance in any of these countries that You visit.

There is no cover for countries outside the Territorial Limits.

Social, Domestic and Pleasure will allow all drivers to use the car for private use.

Social, Domestic, Pleasure and Commuting will allow all drivers to use the car for private use and to commute to a permanent place of work or study.

Business use (Class 1) will allow all drivers to use the car for private use and to commute to a permanent place of work or study.
The policyholder and/or spouse may also use the car in connection with his/her business or profession.

Business Use (Class 2) will allow all drivers to use the car for private use and to and from a place of employment or study.
All drivers may also use the car in connection with the policyholder's business or profession, and for the business of the policyholder's employer or business partner.

The policy will exclude use for:

  • Hiring
  • Racing
  • Competitions
  • Track days
  • Rallies or trials (other than road safety rallies or treasure hunts)
  • Commercial travelling
  • Carrying of passengers for hire and reward
  • Any purpose in connection with the motor trade

We only accept UK and EU licences.
It is your responsibility to ensure that you hold the correct entitlement to drive the car insured, if in doubt, please check with the DVLA and/or equivalent organisation from the country of origin.
We do not accept International or any other type of foreign licences.

Yes, you can just ensure that you specify today's date and the time you require the cover to begin.

No Claims Discount protection can be added if you have a minimum of 4 years no claims discount (NCD). For an additional premium you can protect your NCD from being reduced in the event of a claim. 

It is important that you report any claim you wish to make against your policy as soon as possible.

Southern Rock 0845 241 3166
Aviva 0800 678 999
LV 0845 640 5105
Highway 0845 373 1241

 

No. The No Claims Discount would be in the name of the policyholder rather than a named driver.

This is an amount you must contribute towards the cost of a claim.

Yes - subject to a letter of proof from your employer stating the period of time that you have been driving accident free on their policy.

We have a modifications list to select from when doing a quote.
If you have a modification which is not listed, please contact us for guidance 

This is dependent on the type of conviction, you will have to get an online quotation to see what effect they have on the insurance we can offer and for what premium.

Policyholders and additional drivers must be aged between 17 and 75.

We will only provide cover for vehicles officially imported into the UK that are coded by the Association of British Insurers.

If you wish to make any change to your policy, please contact our friendly customer service team.

Yes.
Just contact us with the details of the Salesperson and the Dealer's address and we will send the cover note.
This will not affect the certificate which is sent to you in the post on the next working day

This insurance provides the cover shown in Your Motor Policy Schedule in any country in the Territorial Limits, subject to Your usual place of residence being in United Kingdom. This extension is provided for the purpose of travel only.

Check your Policy Wording for the maximum number of days covers here

The "Driving other cars on a Third Party Only basis" extension is only provided on policies where this is specifically detailed on your most recent Certificate of Motor Insurance. If it does not include this wording, or has alternative wording to advise you that it is not in place, you are not covered to driver other cars.

If you are eligible for the "Driving other cars on a Third Party Only basis" extension please ensure that you have read your Key Fact Policy Summary and Policy Wordings for all Terms, Conditions and Limitations prior to using this extension.

In this instance, you should contact us providing the following details of the car:

Make,
Model,
Detailed Model Type,
Body Style (e.g. estate),
Year of Registration,
Fuel Type,
Geared / Automatic,
Exact Engine Size CC,
Number of Doors
Registration number (if known)
and if it is Imported - where from?

We will only provide cover for vehicles officially imported into the UK that are coded by the Association of British Insurers.

If you do not provide all these details we will be unable to look into your request any further.

If your vehicle is not listed, you should not use the nearest alternative as this could invalidate your insurance.

GoSkippy offers car insurance as well as a wide range of other ancillary products that will complement your car insurance policy.

 
We aim to issue the policy documents to you within 48 hours of purchase and these will be emailed to you at the e mail address you gave when you purchased the policy on-line or if you telephoned to one of our sales advisors. If you require the documents to be posted then please feel free to ask.