General Car Insurance FAQs
We understand that arranging suitable insurance for your sports car or luxury vehicle can be daunting. We answer some of your most frequently asked questions. Question not answered below? Don't hesitate to contact us on 01202 754900 and we'll be happy to help.
As market leaders in providing high quality prestige vehicle and supercar insurance policies, Alan & Thomas know what it takes to provide you with a comprehensive car insurance package at an affordable price.
Over the last three decades, we have established effective business relationships with some of the top supercar insurance providers in the UK - meaning we can offer our clients comprehensive insurance they can always rely on. From Bentley and Aston Martin to Ferrari and Mclaren, our experienced team can help source the perfect insurance policy for you.
Can I add a temporary driver to my policy?
Yes, simply call us on 01202 754900 to arrange.
Does my policy cover me to drive other cars?
Yes, the majority of our policies will give you insurance cover for driving other vehicles but you must check which level of cover is provided.
Does my policy cover me for driving abroad?
Yes, a number of our policies will cover you for driving abroad .
Can I insure more than one car on my policy?
Yes, we specialise in multi-car policies and family fleet policies. We can also add your home insurance to the policy so that you only have one renewal date, one premium and one policy.
Do I need a tracking system on my vehicle to qualify for insurance?
If your vehicle is worth more than £50,000, insurers will require that a tracking device is fitted.
Can I use my No Claims Bonus earned whilst driving a standard vehicle on a prestige vehicle insurance policy?
Yes, we will be able to transfer any NCD you have in most cases, however some exclusions do apply. Please contact our team of advisors for details.
Can I insure my vehicle for an agreed value rather than market value?
Yes, this is standard on most policies
Will my private registration be covered?
Yes, this cover is standard
If I have an accident, how do I report it?
If my vehicle is damaged, can I choose the repairer or will it have to be sent to one chosen by the insurance company?
All our prestige vehicle policies allow for the owner of the vehicle to choose their own repairer.
Will I be entitled for a like-for-like courtesy car whilst mine is being repaired?
Yes, this is standard on all our prestige vehicle policies
Are legal expenses included in the policy?
Yes, up to £100,000 legal expenses are automatically included
I don't have the registration number yet - can I still get a quote?
As long as you have the make and model of the vehicle, we will be able to provide you with an indicative quotation but until we have the exact vehicle registration number, the quote will not be final.
Can I get immediate cover?
Yes, we can organise cover immediately for you and payment can be taken over the telephone.
What cover should I choose?
All our prestige vehicle motor insurance policies are on a comprehensive basis only.
I have had previous claims or convictions, do I need to declare them?
Yes, they must be declared at the time of quotation. If they are not declared and you need to make a claim , your insurer may withdraw cover and you would not be entitled to any compensation.
What is no claims bonus?
For every year you have car insurance and don’t make a claim, you’ll get a discount on the following year’s premium. This is known as a no claims bonus or no claims discount. According to the British Insurance Brokers’ Association, a driver who has gone a year without making a claim will generally receive a discount of approximately 30% off their premium, while someone in their second year of driving, with no claims, will receive an estimated 40% discount. After five years of no claims, drivers can expect to receive a maximum discount of around 60 / 65%.
Can I protect my no claims bonus?
If you have an accident and take some or all of the responsibility, it’s likely that you will lose some or all of your no-claims bonus. If you are not at fault and another party takes the blame, you should be able to keep your discount intact. A way to safeguard your no claims bonus is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, your no claims bonus would remain at the same level as before the claim.
What is a modification?
Insurers regard modifications to vehicles as anything that has been fitted after manufacture that will alter the performance or look of the vehicle for example, bodykits. These must be declared at the time of quotation.
How can I pay for my insurance?
We can accept payment in full over the telephone via debit or credit card payment, or you can send a cheque in the post. Alternatively, we can offer payment by interest free monthly instalments, subject to status.
What happens if I exceed my mileage limit?
There may be an additional premium to pay if the extra mileage is deemed excessive by the insurer.
Can I spread my payments and pay by monthly instalments?
Yes, we can offer payment by monthly instalments.
What does Agreed Value mean?
An agreed value policy means that should your car be deemed a total loss (written off or stolen), you will be paid out an amount based on the valuation of the car agreed between you and your insurance provider when you take out the policy. The difference between this and a standard insurance policy is that with standard cover ; should your car be written off, you would only receive the current market value – effectively you are protecting your own investment.
What does Market Value mean?
The market value of your car is determined by your insurer using industry guidelines. If your car is declared a total loss by your insurance company due to it being stolen and unrecovered or written off, your insurer will reimburse you the market value of the vehicle at the time that the loss occurred. The exact amount is determined at that time using industry guidelines, with allowances made for the condition of your vehicle and any approved modifications or additions made.
About Alan & Thomas
Firmly established as one of the top 100 independent insurance brokers in the UK , we have been providing personalised insurance policies since 1975. Using a network of 37 independent brokers known as Brokerbility, our expert team can offer a local and personal service across the whole of the UK.