Your questions answered

Online car insurance questions

1.) How do I get an online car insurance quote at CoverGirl?

2.) How long does it take to get a cheaper car insurance quote?

3.) Online car insurance - is it safe to pay over the internet?

4.) Is it cheaper to buy online car insurance at CoverGirl?

General car insurance questions:

5.) Do you deal with other types of insurance?

6.) Do you insure drivers under 25?

7.) Does the price include legal expenses insurance?

8.) What is comprehensive car insurance?

9.) What is an excess?

10.) Why do I have to pay an excess when the accident wasn't my fault?

11.) How do I claim back my excess from the negligent party?

12.) Is there a courtesy car in the event of an accident?

13.) Can I drive another person’s car?

14.) I've been a named driver on someone else's policy for a few years so does that entitle me to a no-claims discount if I start on my own?

15.) I'm getting a second car, so can I use my no claims bonus twice?

16.) Any other questions?

ONLINE CAR INSURANCE QUESTIONS

1.) How do I get an online car insurance quote at CoverGirl?

Simply click here for an online car insurance quote...

2.) How long does it take to get a cheaper car insurance quote?

The CoverGirl website has been designed to make it as quick and easy as possible for you to get a quote and make a purchase online. Our aim is that you will be able to purchase your car insurance online within just a few minutes of reaching our home page.

3.) Online car insurance - is it safe to pay over the internet?

Yes. The CoverGirl website uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. See website security for more information…

4.) Is it cheaper to buy online car insurance at CoverGirl?

Yes. As an online car insurance company we don’t have the huge costs of our competitors such as call centres or television advertising. We are able to pass these cost savings on to you in the form of cheaper car insurance premiums and superior service.

However, unlike many of our competitors who actually charge you more if you buy over the phone. At CoverGirl you will get the same insurance quote, whether it’s online or from one of our motor team.

INSURANCE POLICY QUESTIONS

5.) Do you deal with other types of insurance?

Yes, we provide motorcycle, vans, travel and home insurance. These policies are not yet available online, so for an immediate quote, call us now on freephone 0800 954 97 56.

6.) Do you insure drivers under 25?

Yes, we have a range of policies for young drivers and for first time insurers. Call us on freephone 0800 954 97 56 for a cheaper car insurance.

7.) Does the price include legal expenses insurance?

legal expenses insurance is free in all CoverGirl Car Insurance Services policies. Many of our competitors that offer cheaper car insurance charge up to £50 for legal expenses insurance cover. For more information about our legal expenses insurance cover click here…

8.) What is comprehensive car insurance?

Comprehensive car insurance is the highest level of insurance cover you can buy for your car. See what level of insurance should I choose? for more information…

9.) What is an excess?

This is the amount you have to pay every time you make a claim on your policy for damage to or loss of your vehicle, regardless of who was responsible for the damage.

10.) Why do I have to pay an excess when the accident wasn't my fault?

You have to pay an excess every time you make a claim on a comprehensive policy, regardless of who was responsible for causing the damage to your car.

If you were not at fault for the accident, your CoverGirl legal expenses insurance will help you claim the excess back from the negligent party or their insurer.

11.) Can I claim back my excess from the negligent party?

If you have been involved in a non fault accident and make a claim on your comprehensive car insurance policy, your CoverGirl legal expenses insurance will help you recover your excess along with any other uninsured losses such as recovery and storage charges or loss of earnings that may not be covered by your car insurance policy.

12.) Does my policy include a replacement car in the event of an accident?

If you have been involved in a non-fault accident CoverGirl legal expenses insurance can provide a free replacement car for you to use whilst yours is off the road, as long as you are able to provide details of the person who caused the accident (the third party), their vehicle registration number, their car insurance company, and there is an admission of liability from the third party’s car insurance company.

In the event of a fault accident a replacement car may be available under the terms of your car insurance policy or from the repairing body shop. This is subject to availability and policies.

13.) Can I drive another person’s car?

Most policyholders over 25 are provided with cover which enables them to drive other people’s cars. However, you need to check your policy documents to make sure you have this entitlement, which is generally limited to third party cover only. So you would be liable for any damage to the car in the event of an accident.

14.) I've been a named driver on someone else's policy for a few years so does that entitle me to a no claims discount if I start on my own?

It is only the actual policyholder who benefits from the no claims discount but we can usually arrange an introductory discount for you if you are claim-free for a number of years before taking out a policy of your own. For a cheaper car insurance quote please call us on freephone 0800 954 97 56 for a quote.

15.) I'm getting a second car, so can I use my no claims discount twice?

Your no claims discount can be applied to one vehicle only. But if you are claim free and looking for cheaper car insurance, we can usually offer an introductory discount. Please call us on free phone 0800 954 97 56 for a quote.

ONLINE CAR INSURANCE - ANY OTHER QUESTIONS?

We hope you have found this page useful and your questions about cheaper car insurance have been answered fully. However, if you still have a query regarding online car insurance, please pick up the phone and speak to one of our motor team on 0800 954 97 56 or email us at insurance@covergirlcarinsurance.co.uk.

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