Why choose GoSkippy Car Insurance?
Low priced – GoSkippy provides you with a cheap car insurance quote and gives you the choice to personalise your cover with additional car insurance products.
24/7 policy access – Take control of your car insurance. You can log into your online customer portal, which can be accessed 24/7. Here you can make changes to your cover, request and send documents and have peace of mind that your car insurance cover is up to date.
Self-help service – If you are short for time, we have an excellent ‘self-help’ service. Here you can find answers to your car insurance questions without having to pick up the phone.
Online customer service – Find help through our live chat service. We have a team of our customer service agents who are ready and waiting to help you with your policy.
Competitive rates – We have access to a panel of insurers. You are able to compare car insurance direct through us. Find a policy which suits your needs and budget best. Take out your car insurance quote today from as little as £175 per year*
5* Expert Ratings!
Our products blend both affordability and product excellence. We are proud that our Southern Rock and Watford car insurance policies are 5-star Defaqto rated.
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Car Insurance frequently asked questions
What is car insurance?
Car insurance is a legal requirement. Depending on your level of cover, your insurance can pay out if you are involved in a motor accident. Your vehicle is damaged or stolen. Third Party Insurance is the legal minimum level of cover.
What is a car insurance excess?
An excess is an amount you are required to pay towards any claims you make on your policy. Usually, this is made up of two parts; compulsory and voluntary excess. If the accident is determined as non-fault, you may receive the excess back. We offer excess protection cover which you can add to your policy.
What is a NCD?
Your No Claims Bonus/Discount is the number of years in which you have had insurance cover and have not made a claim. The more years NCD you have the bigger the discount you will receive from your insurance premium. We also offer NCD protection. You can choose to add on to your policy. This means that if there was a claim made on your policy, you may not lose any of your years NCD.
Will GoSkippy match competitors price?
We try to provide our customers with the best possible prices. Our best price is always displayed online so we don’t need to price match.
Can I drive other cars whilst on third party only cover?
Only if you have Driving Other Cars cover. This will be on your certificate of insurance. You should check first to ensure you don’t drive without insurance. This cover is not available with our commercial vehicle insurance policies.
Do I have to tell you about previous conviction(s) and offence(s)?
Yes. It is important to let your insurer know of any convictions when taking out or renewing a policy. This is to ensure you are paying a premium based on the correct details. If we don’t hold the correct information you may have problems at claim stage. For example your policy may be declared void. Or you may be paid less for a claim to make up for the fact you were not paying the correct premium. You can do this by contacting our customer services team.
Do you accept foreign licences?
Please ensure that you hold the correct entitlement to drive the insured car. We do not accept international or any other type of foreign licences. Tip: If in doubt, please check with the DVLA and/or equivalent organisation from the country of origin.
What should I do in the event of an accident?
- Remain calm
- Don’t accept liability
- Exchange details with the other party. This includes names, phone numbers, address, make, model and registration number of the vehicle.
- Take down details of any witnesses or police officers that attended the scene
- Take photos if you can
- Send us any documentation you receive to do with the accident
Do I have to inform you if I am going to Europe on holiday, do I need a green card? Also, do I need to pay for cover abroad?
It’s best to contact us if you plan on travel abroad. This is so we can confirm that you have the correct cover for the countries you are visiting. If you are travelling in the EU you currently do not need a Green Card to travel.
When is my car insurance due?
21 Days before the end of your insurance policy. We send out Renewal Invites to inform you that your policy is up for renewal. You are quoted for the upcoming year. You then have a choice as to whether you would like to lapse the policy or have it renewed.
Why has my car insurance gone up?
This could be down to a few things. When multiple changes are done on the policy. This can increase your insurance premium. This is the risk and the rates of the policy. The rates change on an hourly basis by the underwriter.
How much is car insurance for a 17 year old?
How to cancel car insurance?
How long do I have to report a car accident to my insurance company?
Please check your policy documents as some insurers require a specific time frame for reporting your claim. You can call our Claims Team 24/7 to report a new claim on 0344 8409501 for car, 0344 8409501 for van, and 0344 840 9505 for bikes (It will speed up the process if you have your policy details and incident details to hand).
Car Insurance Optional Extras (Add Ons)
GoSkippy make is easy for you to upgrade your car insurance with a range of add ons including legal Expenses, RAC breakdown cover, misfuelling, windscreen cover, key cover, excess protection and replacement vehicle cover.
Protect yourself from any unexpected legal costs… For as little as £25.99 per annum you will be covered. This covers you for up to £100,000 for a panel of solicitors to assist you. To help recover any money you’ve paid out, following a car accident where the other driver is at fault. This will provide for Legal Costs to pursue damages. If another driver has caused you injury or death, or you’ve had to pay your policy excess or any other expenses. Legal costs to defend against prosecution. Where you have committed an offence while using your vehicle (where there is a reasonable chance of a successful outcome). Legal costs to protect you where your vehicle’s identity has been cloned by someone else. 24-hour legal advice helpline so you can talk to one of our experts at any time about any legal concerns you have. Standard policy exclusions apply, full details are available in the policy documents.
Replacement Vehicle Cover
Making sure you don’t have to fall back to public transport…. For £33.99 per annum you will be provided with a replacement vehicle for up to 14 days. You will be covered whether your vehicle is un-drivable or written off. This excludes when your vehicle has broken down. A hire vehicle will be provided if your vehicle is stolen, or damaged or deemed un-drivable. Following an accident with another vehicle. Replacement vehicle provided if your vehicle is stolen or immobilised. As a result of an attempted theft, vandalism, or criminal damage. 24-hour helpline, so you can speak to us day or night. Standard policy exclusions apply, full details are available in the policy documents.
In case you put the wrong fuel in…. If you put the wrong fuel in, for only £16.99 per annum. A specialist roadside vehicle will attend and get you back on the road. Your fuel tank will be drained and flushed at the roadside. It will be replenished with 10 litres of the correct fuel. If required, the specialist will recover you and up to 6 passengers. They will take you to the nearest repair centre to drain and flush the fuel tank. They will also replenish with 10 litres of the correct fuel. Dedicated emergency help line. Up to a maximum value of £250 per claim and a maximum number of 3 claims per annum, per vehicle. Standard policy exclusions apply, full details are available in the policy documents.
How much? It was only a little crack… A cracked windscreen can not only be expensive, but can also be an MOT failure. You can cover your windscreen, and the other car windows for only £33.99 per annum. Best of all, it won’t affect your no claims bonus. Repair or replacement of your Vehicle’s windows or windscreen glass due to breakage. £100 excess payable for each claim, any claims made will not affect your No Claims Discount. 24/7 Helpline. Included as standard with all our fully comprehensive policies. Standard policy exclusions apply, full details are available in the policy documents.
Types of car insurance cover
What does Comprehensive insurance offer?
Fully Comprehensive car Insurance is the highest level of vehicle insurance cover available. With fully comp you will be covered against all of what is provided for TPFT. Plus accidental damage to your car for any accidents. Whether it results in a fault or non-fault claim. Fully comp provides protection for yourself, your vehicle and for others. Your vehicle is even protected when unattended. This includes any vandalism damage, theft, fire and accidental damage. Without fully comprehensive cover you are at risk of having to fork out for any repairs yourself. It gives you that added level of protection and peace of mind that you won’t have to pay for unexpected expenses. Whether or not it is your fault, claims can result in loss of No Claims Bonus. You may have the option of protecting your No Claims Bonus. You can speak to one of our advisors for more information. Remember, an excess is payable in the event of a claim.
What does Third Party, Fire and Theft insurance offer?
Third party, fire and theft (TPFT) car insurance offers slightly more than the legal minimum level of cover. TPFT Insurance provides cover for the cost of any damage or any injuries to a third party. This level of cover also extends to fire damage of your car, or damage arising out of the theft or attempted theft of your car. You are not covered for damaged to your own car in the event of an accident that was your fault.
What does Third Party Only insurance offer?
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.
We are always here to help
Our car insurance specialists will assist you with any insurance queries you may have.
To make it more convenient for you, you can talk to our friendly customer service team online! We have live chat on our website, so you don’t always have to pick up the phone.
Prefer to find the answers yourself? Visit our self help service by clicking the icon to the bottom-right of this website.
Still need help? Give us a call and talk to one of our car Insurance experts by calling customer service on: 0344 840 6302
Did you know that most of our customers save time by purchasing a policy online quickly and easily via our website, GoSkippy.com. There is a small admin fee of £10 to purchase a policy over the phone, which will be added to the annual policy arrangement fee.
*Based upon our lowest paid premiums from Southern Rock in December 2018