A return premium happens when your policy is reduced or cancelled, and the insurer owes you money. Examples:
With MPF:
If you cancel your insurance before the end of the term:
You’ll need to email us with your cancellation request before calling. (Cancellations can’t be done online.) If needed, we’ll backdate your cancellation to the date of your email.
You can access your documents anytime through your online portal. If you need help logging in, give us a call.
We’re paper-free. All documents (including your motor certificate of insurance) will be emailed within 10 minutes of payment. No email address? No problem, just let us know.
You have 14 days from your policy start date (new business or renewal) to send us all required documents.
Yes. We need certain documents every year to keep your policy valid.
A CUE check is when the underwriter reviews the Claims and Underwriting Exchange (CUE) database. This database holds details of motor, home, and personal injury claims made by individuals across the UK.
We ask because it’s a legal and regulatory requirement, it helps us calculate fair premiums, and it protects you by keeping your policy valid.
Yes. Drivers usually need to be named on the policy, meet age and licence rules, and follow the terms set out in your policy wording.
Yes. You must update us about any driving convictions or offences to keep your policy valid.
Our claims handlers will help you report the accident and recover costs from the other insurer.
Many of our policies include EU or international cover, but it depends on your policy type. Check your wording or contact us to confirm.
Yes. Just let us know and we’ll update your policy.
An additional premium happens if your policy changes after it starts and the cost increases. Examples include:
If you’re paying via MPF:
Refunds are processed as quickly as possible, but timescales depend on your bank.
Refunds are worked out on a pro-rata basis. Once we have your request, we’ll send you a cancellation quote with a full breakdown. You can choose to accept and cancel or continue your policy.
Motor insurance: We never auto-renew, so you’re always in control.
Some commercial policies: Auto-renewal may be available. If you’re unsure, check your policy wording or contact us.
Yes, you can update your bank or card details anytime at no extra cost.
Yes. Once your first payment has been taken, you can move your Direct Debit date to the next available collection, free of charge. Please note: this isn’t available for 11-month payment plans.
We like to keep payments simple. You can choose from:
– Monthly Direct Debit (with interest)
– One full payment upfront
– Half & Half (0% interest) – pay half upfront and the other half within 30 days
