Motor Insurance - FAQs
To save you time we have compiled a list of Frequently Asked Questions relating to motor insurance below each with associated answers.
- What is legal cover?
- Our legal cover provides legal advice via a 24 hour, 365 days a year helpline. Legal cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. We will provide cover for legal costs to pursue a case.
- What is an excess?
- An excess is a contributory amount you pay, when making a claim. However, if the claim is deemed not to be your fault, it may be possible to recover your excess from the party deemed to be at fault.
- What is NCB?
- NCB - No Claims Bonus is a discount to which your premium is based on. For each claim free year that you do not make a claim against your own policy, you will earn from a year up to 9 years NCB.
- Do I need to provide proof of my No Claims Discount?
- We will ask you to provide proof of your NCD at the start of your insurance policy. This could take the form of a renewal notice from your previous insurance company, or a letter on headed paper from that company.
- If I have driven a company car for a number of years, will I be able to get any No Claims Discount?
- If you have been using a company car for several years, we could get you an introductory bonus - call us now for further details.
- Do I require the 'Business Use' policy to drive to work?
- No, under insurance policies you can drive your vehicle back and forth to the same place of work using social, domestic and commuting purposes. Park Insurance can however increase your cover if you need to use your vehicle to visit any other sites of business during the working day.
- Do you have any breakdown cover services?
- Some of our policies include breakdown cover services. If not, we offer a package at very competitive prices. Call us now on 0117 955 6835 for details.
- I have several points on my licence, am I still able to obtain cover?
- We have many insurers that will accept convictions. This allows us to find you the best deal, whatever your past driving record.
- Can I pay by Instalments?
- We accept monthly instalments through a company called Premium Credit to make paying for your insurance as easy as possible. Please call our Sales Team for details on 0117 955 6835.