Brunel Insurance Services Limited

 
FAQ

Frequently Asked Insurance Questions

The Answers to the following insurance questions can be found below:

  1. Can I get immediate cheap insurance cover?
  2. Does my insurance policy cover me abroad?
  3. Does my insurance policy cover me to drive other cars?
  4. What does No Claims Bonus mean?
  5. What is an Excess?
  6. What happens to my insurance if my vehicle is modified?
  7. What happens to my insurance if my vehicle is imported?
  8. Can I pay for my insurance by instalments?
  9. I have previously been driving a company car, does this count towards my own insurance?
  10. What happens to my insurance if I have a disability or medical condition?
  11. What do the different levels of insurance cover me for?
  12. What are classed as fault and non fault Insurance claims by insurers?
  13. What is protected no claims bonus?
  14. What can I do to make my insurance premium cheaper?
  15. How can I find out what insurance group my vehicle is?

If you have any other questions not covered in the above, please do not hesitate to contact one of our insurance advisers on 020 8579 1786, who will be more than happy to answer your Insurance query.

Answers

1. Can I get immediate cheap insurance cover?
If you are able to pay by debit or credit card then immediate insurance cover can by arranged by calling 020 8579 1786.

2. Does my insurance policy cover me abroad?
Most insurance policies now cover you free of charge to drive in any EEC country under those particular countries minimum insurance requirements. Please be aware that this Insurance cover is usually minimal, and to obtain the equivalent insurance cover that you hold in the United Kingdom or insurance cover outside of the EEC, please call 020 8579 1786 for further details and charges. Don’t forget we can offer European Breakdown and Travel insurances.

3. Does my insurance policy cover me to drive other cars?
The driving other cars extension to your car insurance cover differs with each insurer and each individuals circumstances. If this Insurance cover is granted by a particular insurer, Insurance cover on the other vehicle is restricted to Third Party Only. To find out if you are entitled to this extension please call 020 8579 1786.

4. What does No Claims Bonus mean?
No Claims Bonus represents the number of years which the Insurance proposer has held an insurance policy without making an Insurance claim or having an Insurance claim against you. Any No Claims Bonus you have earned can only be used on one insurance policy at any one time.

5. What is an Excess?
An excess is whereby you pay an initial contribution to the first part of each and every Insurance claim made against your insurance policy. This can be one of two types, either a compulsory excess, which is stated as a compulsory policy requirement and cannot be changed. The second type is a voluntary excess which is agreed between yourself and the insurer prior to conclusion of your Insurance contract. Generally the higher the voluntary excess agreed, the cheaper your insurance premium becomes.

6. What happens to my insurance if my vehicle is modified?
Modifications that alter the appearance, performance or value of your vehicle, maybe acceptable, however, you will need to refer these to us on individual basis. Please call 020 8579 1786.

7. What happens to my insurance if my vehicle is imported?
Imported vehicles can be covered, however you will need to refer each case to us where we will look at the risk on its own individual merits. Please call 020 8579 1786.

8. Can I pay for my insurance by instalments?
Yes, you can pay for your insurance via instalments, Please contact Brunel Insurances office to discuss the various Insurance terms we have available on 020 8579 1786.

9. I was previously driving a company car, does this count towards my own insurance?
Yes. A discount can be arranged taking into consideration your driving experience, to find out more call 020 8579 1786.

10. What happens to my insurance if I have a disability or medical condition?
Certain medical conditions or disabilities that can affect your ability to drive must referred to the DVLA to find out more you can visit their website at dvla.gov.uk. These may have an impact on your insurance policy to find at more call 020 8579 1786.

11. What do the different levels of insurance cover me for?
There are usually three different levels of Insurance cover available for motor insurance these being:

  • Third Party Insurance Only - This the most basic level of insurance cover available and covers you for third party death, third party injury and third party property damage.
  • Third Party Fire & Theft Insurance - This insurance covers all of the above plus fire, theft cover and malicious damage of your vehicle (subject to Insurance policy conditions).
  • Comprehensive Insurance - This insurance covers both of the above plus accidental damage to your own vehicle, some insurance contents cover may be included. You may also be covered for personal injury (subject to insurance policy conditions).

12. What are classed as fault and none fault Insurance claims by insurers?
A none fault Insurance claim is an Insurance claim whereby your insurer is able to recover their costs from a third party. A fault claim is any claim whereby your insurers are unable to recover their costs from another party. Remember you earn a no claims bonus not a no blame bonus and therefore even though you may feel you are not to blame e.g. theft of your vehicle, this is still classed as a fault claim as your insurer is unable to recover their cost from anyone.

13. What is protected no claims Insurance bonus?
This is a additional extension to your Insurance policy whereby your insurer will allow you to make a certain number of fault claims in a set period without these claims affecting your no claims bonus.

14. What can I do to make my insurance premium cheaper?
The following criteria can all help to make it easier to obtain cheaper insurance:

  1. Adding a voluntary excess to your insurance policy
  2. Restricting the number and age of drivers included on your Insurance policy
  3. Driving a low grouping vehicle see abi.org.uk
  4. Adding security to your vehicle e.g. fitting a recognised immobiliser or alarm system
  5. If you have access to a garage, putting your vehicle into it over night can result in cheaper insurance premiums

15. How can I find out what insurance group my vehicle is?
To find out what insurance group your vehicle comes under please visit abi.org.uk.

Frequently Asked Insurance Questions The Answers to the following insurance questions can be found below. 1.	Can I get immediate cheap insurance cover?  2.	Does my insurance policy cover me abroad?  3.	Does my insurance policy cover me to drive other carsBrunel Insurance Services Limited, Authorised and Regulated by the Financial Services Authority.

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