My job sometimes involves carrying clients, students, charges etc; does my insurance cover this?

Christmas Opening Hours

New Claims are open 24/7

Date	Existing Team	Sales & Customer Service Team
Monday 22^nd	8am - 6pm	9am - 7pm
Tuesday 23^rd	8am - 6pm	9am - 7pm
Christmas Eve	8am - 12:45pm	9am - 4pm
Christmas Day	CLOSED	CLOSED
Boxing Day	CLOSED	CLOSED
Saturday 27^th	CLOSED	9am - 6pm
Sunday 28^th	CLOSED	9am - 4pm
Monday 29^th	8am - 6pm	9am - 7pm
Tuesday 30^th	8am - 6pm	9am - 7pm
New Year's Eve	8am - 12:45pm	9am - 4pm
New Year's Day	CLOSED	CLOSED
Friday 2^nd	8am - 6pm	9am - 7pm

My job sometimes involves carrying clients, students, charges etc; does my insurance cover this?

19/12/2022

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

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The table below sets out what fees are applicable if you choose to cancel your policy with us. The fees differ depending on when you cancel your policy. For full details regarding cancellation of your policy with us, please refer to our Terms of Business.

Please note some insurers also apply cancellation fees and charges - please ensure you review your policy wording before cancelling.

Fees included if cancelled	Before policy starts	Within 14 days of policy starting	After 14 days of policy starting
Cancellation fee	£25.00	£35.00	£75.00
Broker fee	None	Pro-rata	No Refund
Number of days on cover	None	Pro-rata	Pro-rata amount
Direct debit set up fee (If DD has been collected)	None	£45.00	£50.00
Full premium of any add-ons on policy exclusing RAC^**	None	None (Unless a claim has been made)	No Refund^**

Before policy starts

Cancellation fee	£25.00

Within 14 days of policy starting

Cancellation fee	£35.00
Broker fee	Pro-rata amount
Number of days on cover	Pro-rata amount
Direct debit set up fee (If DD has been collected)	£45.00
Full premium of any add-ons on policy excluding RAC^**	None (unless a claim has been made)

After 14 days of policy starting

Cancellation fee	£75.00
Broker fee	No Refund
Number of days on cover	£50.00
Direct debit set up fee (If DD has been collected)	No Refund^**
Full premium of any add-ons on policy excluding RAC^**	None (unless a claim has been made)

^**RAC breakdown cover will be manually pro-rata'd less any commission

^*For XS Direct policies please refer to your policy documents

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Existing Claims

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Existing Claims

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Existing Claims

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Existing Claims

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What can I do?

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Important information

Cancellation fees explained. Please read the following information before proceeding.

Before policy starts

Within 14 days of policy starting

After 14 days of policy starting