You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online. Our car insurance is Moneyfacts 5 Star rated. Your browser's out of date so you may not be able to use some of the features on our website. For the best experience, we recommend upgrading your browser to a newer version.
Comprehensive car insurance It's the highest level of insurance you can take out and will provide you with maximum protection. Get a car insurance quote. Homepage Car insurance Types of cover Comprehensive car insurance What is comprehensive car insurance?
What does comprehensive insurance cover? Do I need comprehensive car insurance? Is comprehensive insurance cheaper? Can you drive any car if you have comprehensive cover? Do you have to pay excess towards a third party claim? Is it worth getting comprehensive car insurance? Car insurance Our Direct and Premier policies are 5 Star rated by Defaqto, so why not get a hassle-free car insurance quote today. Get a car quote. Log in to MyAccount. We, like all UK motor insurance providers, will continue to provide you the legal minimum motor insurance cover for travel to EEA countries as part of your current policy.
So, if you're a UK motorist, you won't need to purchase additional third-party motor insurance policy cover. Many of our customers will actually have a similar level of cover abroad as they get in the UK. For details of your cover, check your policy booklet.
If you want to rent or borrow a vehicle, you'll need to arrange insurance separately and your Green Card won't cover this. They're available from a variety of high street and online retailers, as well as departure points in the UK, and only cost a couple of pounds. Your policy doesn't cover loss or damage caused by the legal confiscation of your vehicle by HM Revenue and Customs, the police, a local authority or any other government authority - check your policy booklet for full terms and conditions.
Potentially yes. IDPs are issued by the Government. Find out more. You'll need to tell us when you ask for your Green Card as you need a second Green Card for your caravan or trailer. If you plan to take a commercial trailer weighing over kg or a non-commercial trailer weighing over 3,kg, you must also register it with the Government before you can travel to, or through, most EU and EEA countries.
We'll be updating this FAQ page as the situation changes, so make sure to check back here if you're planning on traveling abroad. Most of our team are now working from home and are taking calls however we still need your help to prioritise the most important calls, so if you need to make a change to your policy or view your documents you can do this via your Manage My Policy.
You can also get in touch at contact hastingsdirectsmartmiles. Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or. You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or. You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.
If you're having difficulty paying for your insurance - annually or by Direct Debit - please get in touch with us on and we can discuss the right options for you. If you pay by Direct Debit and just want to enquire about your payments please visit www. If you are calling, our opening hours are Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-5pm.
No, but you should keep up-to-date with the Government's advice and make sure you're doing everything you can to stay safe. If you need to make a change to your policy you can do this online as normal via your Manage My Policy or you can give us a call on We're prioritising calls from our renewing customers, but if you're finding it hard to get through, we're very sorry.
Please bear with us and we'll get to you as soon as we can. Most of our policies will renew automatically on their renewal date, so your cover will continue for another year. This will be clearly stated on your policy documents.
If you don't want to renew, you also have a 14 day cooling off period to cancel your policy without charge. If your policy doesn't automatically renew, you can accept your car renewal in your Manage My Policy. We'll do everything we can to support you if you've been affected by the Coronavirus — either financially or otherwise, so please contact us as soon as possible if you're worried.
All conversations are confidential and, if it's easier, we can talk to a relative, friend or debt counselling organisation about your account — we'll just need your authorisation to do this. Please don't cancel any payments or direct debits without speaking to us first.
Missing payments means you run the risk of your policy being cancelled and we don't want you to be left uninsured. Unfortunately, you can't suspend an insurance policy but you can cancel it by giving us a call on If you decide you want to cancel outside of your cooling off period, you'll be charged for the length of time you were insured for, plus any applicable fees.
If you haven't made a claim during your policy, any money owed to you will then be refunded. Remember, it's a legal requirement to have insurance unless you declare your vehicle as SORN.
Even if you aren't driving your car it is important to protect against other events such as fire and theft. If you keep your policy you'll also be able to earn this year's no claims discount. You may be able to get a refund by reducing the mileage your policy was based on. Can I get a refund? If you're having trouble getting through to us by phone, you can email us at contact hastingsdirectsmartmiles.
Please make sure you contact us from the email address on your policy to do this. If you have a car policy and your annual mileage is going to be lower than usual, you can easily reduce it in your Manage My Policy. You won't be charged a fee to change your mileage and it could reduce your premium. The size of any decrease will depend on many factors and will vary from policy to policy.
If your price goes up when you make this change, or you have any questions or problems while reducing your mileage online, please get in touch so we can help.
Don't worry if you're not sure how much to reduce your mileage by. You can change it now and change it again once the situation is clearer. Make sure you remember to review your mileage once you go back to driving normally, otherwise you may not be fully covered. No, you won't be covered to use your vehicle to deliver parcels or fast food if you're being paid to do so. Yes, you'll still be recovered to the best of the RAC's ability. You can check their website for updates, or call them on Yes, if they're a named driver on your policy or they're covered for driving other cars by their insurance policy.
They'll need to check their insurance certificate to see if they have this and they may only be covered on a third party basis.
If you'd like to add someone as a named driver, you can do this online: If you have a car policy, you can add a driver in your Manage My Policy.
You'll be given a quote for the change, which will include any difference to the price of your policy and any applicable fees. You should only declare your vehicle SORN if you cancel your policy and your vehicle's left uninsured. Please be aware that, if you do SORN your vehicle, you won't be able to leave it parked on the road. It is important to protect your car against other events such as fire and theft even if you aren't driving it.
You can check Gov. The Foreign Office have all the latest advice on overseas travel. You can check their advice page before leaving. You'll also find the latest guidance on what to do if you're caught abroad.
If you're overseas with your vehicle for longer than 90 days, your insurance will be reduced to third party cover only.
Please get in touch if this happens, so we can make sure you've got the cover or help you need. Sorry you've been involved in an accident and you're struggling to get through. Please bear with us as we're doing all we can to answer calls as quickly as possible. Yes, you'll get a courtesy car where available while your vehicle's being repaired, using one of our nominated repairers.
However, it may take slightly longer than normal for your car to be delivered as it will be prepared and cleaned before we give it to you. Temporary car insurance: Alternatively, you could consider temporary cover if you plan to borrow their vehicle as a one-off. You can even get one-day cover to drive someone else's car. Temporary car insurance is a short-term car insurance policy that typically lasts between one and 28 days, sometimes longer. It's illegal to drive without insurance The only exception is when you're hiring a car or taking driving lessons in a professional instructor's car, as the insurance will be included in the cost of the hire car or lesson.
Perhaps, but the same rules apply if someone else wants to borrow your car. To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy. A temporary insurance policy may be a good option if, for example, your son or daughter wants to drive your car while they are home from university, and they're not covered on your insurance.
Car insurance extras and add-ons explained. Car Insurance Fronting and its Repercussions Uswitch. Is Your Car Insurance Valid? We use cookies and similar technologies. You can use the settings below to accept all cookies which we recommend to give you the best experience or to enable specific categories of cookies as explained below. Find out more by reading our Cookie Policy. Am I insured for driving someone else's car? Share this guide.
What does my car insurance policy cover? Can I drive someone else's car? Get a car insurance quote See a range of car insurance quotes in just a few minutes when you compare with Uswitch.
0コメント