FAQs
Please read our FAQ section to find answers to the most common car insurance and motor insurance related questions.
Questions
- What is an excess?
- What happens if I have an accident?
- What if I am making a claim?
- How do I get about if my car is being repaired?
- What is legal cover?
- Can I drive abroad on my policy?
- What is protected no claims discount?
- Do I need business use to drive to work?
- Is it safe to use my credit/debit card on your site?
Answers
-
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 happens if I have an accident?
Depending on your car cover, we can arrange for your vehicle to be recovered and you and your passengers taken home or to your destination safely.
-
What if I am making a claim?
You should contact our 24-hour claims service on - 0845 603 7950*, where an incident manager will record details of the incident and will start sorting out your problem immediately. There are no forms to fill in, and the incident manager will confirm: - Whether your policy covers you for the incident; - What you will have to pay; and - All the steps involved in your claim being settled
*For our joint protection and training purposes, telephone calls may be recorded and/or monitored.
Calls charged at the local rate.
-
How do I get about if my car is being repaired?
If you have opted for courtesy car cover, a courtesy car is provided by our approved repairers, and is available for the duration of any repairs to your vehicle. If a car is stolen or a total loss, we will guarantee a hire car until an offer is made to settle the claim- subject to a maximum of 14 days.
-
What is legal services cover?
Legal services cover is an additional cover available on your policy. Legal services cover provides legal advice via a 24 hour, 365 days a year helpline. Legal services cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. We will provide up to £50,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).
-
Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union with the minimum level of cover required for that country.
-
What is protected No claims Discount?
With Simple Cover, clients can protect their no claims discount for up to two at fault claims in any 5-year period. This means that if your car is stolen, or you have no other party to claim against, you won't have to lose your no claims discount as well. Clients must have at least 4 years no claims discount and be over 21 years old in order to be eligible.
-
Do I need business use to drive to work?
No, under our insurance policy you can drive your vehicle back and forth to the same place of work provided you have selected commuting cover. We can however increase your cover if you need to use your vehicle to visit any other sites of business during the working day; we will not however cover any goods or samples carried in connection with business use.
-
Is it safe to use my credit/debit card on your site?
Simple Cover appreciates the importance of protecting our client's personal information from possible security risks, and therefore all of your personal information you enter into our quote form is protected using SSL encryption technology, which works with your Internet browser to protect the data.
For a number of credit and debit cards we require a Card Security code (also known as CVV2 or Card Verification Value) which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.