Car Insurance

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.

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.

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.

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.

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.

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.

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  • 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
   

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.

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.

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.

You can cancel your insurance in a number of ways. We have an easy to complete form which captures all the required information available here, or you can email our cancellations team at Cancellations@goskippy.com. If you prefer to speak to someone just call us on 0344 840 6302.

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).

You can check what Insurance group your car belongs to by visiting MoneySuperMarket’s group checker tool.

Your policy will run out a year from the date you purchased it. We will send you a renewal reminder prior to this date. You can also find this date on your policy documents. 

To check that your car insurance is active please visit: AskMID.

To check the accuracy of your policy, please refer to your policy documents. It is important to make sure that they cover all your driving requirements correctly. If you find that something isn’t correct, please contact us on: 03448406302

Tying you over with a replacement vehicle…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.

Just 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.

• Up to £30,000 payable if you, your Spouse, or Civil Partner suffer accidental bodily injury, permanent disability, or accidental death when travelling in your car.
• If you are hospitalised as a result of an incident when travelling in your car, claim £100 for each day you are in hospital (max 30 days)
• Cover pays for one claim during any one period of insurance, pre-existing conditions are not covered.
• Personal Accident of up to £5,000 depending on insurer, without hospital cover, included with fully comprehensive policies. Please check the policy document for details.

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.

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.