NCB - No Claims Bonus is a discount to your premium based on how safe you are as a driver. Each year you can earn a discount on your NCB up to 9 years.

Your online cover allows use of your car for social, domestic and pleasure purposes, commuting to and from a permanent place of work and allows personal business use for you and your spouse, if named on the policy.

You are not covered to use your car for commercial travelling, any purpose in connection with the motor trade, carriage of goods or passengers for hire or reward, racing, pacemaking, speed testing, rallies, trials, competitions, 4x4 off road events and track days.

If you want any other people to use your car for business purposes, please call us on 0800 316 6666.

An excess can be voluntary or compulsory and is the amount you will have to pay if you need to make a claim for loss of or damage to your car. Where any accident or loss is your fault then the excess will have to be paid by you. Where someone else causes the accident you may be able to reclaim the excess through the legal cover, which can be taken out with your car insurance policy.

Voluntary excess is the amount you agree with the company and can influence any premium discounts that you may be offered. Compulsory excess is imposed, usually in the cases of young drivers, and may be the only way a company will agree to insure a driver.

Hints to reduce your premiums include garaging your car overnight rather than leaving it on the drive, fit insurance approved anti-theft devices, consider Third Party Fire and Theft for older cars and check for discounts offered by the insurance provider when requesting quotes. Young drivers (under 25), who are often charged extremely high premiums, should consider increasing the excess and they should also check the insurance grouping before deciding which car to buy.

Insurance premiums vary between companies depending on the type of insurance you need, your age, the car make, model and age and even where the car is parked overnight. The way different companies rate drivers and premiums, using these risk factors, can affect what you have to pay by as much as £200 in some cases. Although you can save money by 'shopping around', the cheapest you find may not entirely suit your requirements...you may even find out in the event of a claim that you were not fully insured for that eventuality!!

Yes, we have a range of policies for young drivers and inexperienced drivers.

Most policyholders over 25 years are provided with this cover. However, you need to check your certificate of insurance to make sure you have this entitlement, which is limited to third party cover.

For an additional charge, A 1st Class Insurance can protect you from losing your No Claims Discount (however it does not protect your premium) details of which can be found in your policy schedule.

No, you can drive your vehicle back and forth to the same place of work using social, domestic and commuting purposes. A 1st Class Insurance can increase your cover if you need to use your vehicle to visit any other sites of business during the working day. We will not, however, cover any goods or samples carried in connection with business use.