Question 1

How do I get a quote?

Accepted Answer

Simply enter your vehicle registration number in the search box on our homepage and click "Get a Quote". You'll receive an instant quote within 2 minutes. You can also browse our insurance modules (Temporary Car Insurance, Temporary Van Insurance, or Learner Driver Insurance) for more specific options.

Question 2

What information do I need to get a quote?

Accepted Answer

To get a quote, you'll need your vehicle registration number. For the full application, you'll need your driving license details, personal information (name, address, date of birth), and payment information. The exact requirements may vary depending on the type of insurance you're applying for.

Question 3

How long does it take to get a quote?

Accepted Answer

Our instant quote system provides you with a quote within 2 minutes of entering your registration number. Once you complete the full application and make payment, your policy can be active immediately.

Question 4

Can I get a quote without a registration number?

Accepted Answer

While we recommend having your registration number for the most accurate quote, you can still browse our insurance options and get an estimate. However, you'll need the registration number to complete the purchase.

Question 5

How long does temporary insurance last?

Accepted Answer

Temporary car and van insurance can last from 1 hour to 28 days. Learner driver insurance can last from 1 day to 24 weeks (6 months). You can choose the duration that best suits your needs when getting a quote.

Question 6

What types of vehicles can I insure?

Accepted Answer

We provide insurance for cars, vans (up to 3.5 tonnes GVW and value up to £65,000), and vehicles for learner drivers (private cars up to £50,000). The vehicle must be registered in the UK and meet our eligibility criteria.

Question 7

Is my No Claims Discount (NCD) protected?

Accepted Answer

Yes! Temporary car insurance is a standalone policy, so if you have an accident while using temporary insurance, it will not affect your primary policy's No Claims Discount. The claim goes through the temporary policy, not your annual one.

Question 8

What coverage is included in my policy?

Accepted Answer

Coverage varies by policy type, but typically includes third-party liability, fire and theft, and comprehensive coverage options. Please review your specific policy documents for complete coverage details. Social, Domestic, and Pleasure (SDP) use is standard, with business use available for van insurance.

Question 9

Can I get insurance if I'm under 25?

Accepted Answer

Yes, but there are age restrictions. For temporary car insurance, you must be at least 18 years old. For van insurance, you must be at least 21 years old. Learner driver insurance is available for those with a valid provisional license, regardless of age.

Question 10

What license do I need?

Accepted Answer

You must hold a valid UK, EU, or EEA driving license. For learner driver insurance, you need a valid provisional license. The system will validate your license details during the application process.

Question 11

Can I insure a vehicle I don't own?

Accepted Answer

Yes, temporary insurance is designed for situations where you're borrowing or using someone else's vehicle. However, you must have the owner's permission and the legal right to drive the vehicle.

Question 12

Do you offer business use insurance?

Accepted Answer

Yes, our Temporary Van Insurance module specifically includes business use for tradesmen, couriers, and other business purposes. However, certain uses like "Hire and Reward" (taxi services) or carrying hazardous materials are excluded. Please check the policy details for specific coverage.

Question 13

How do I make a claim?

Accepted Answer

If you need to make a claim, contact us immediately by phone or email info@getinstantcover.co.uk. Have your policy number ready and provide as much detail as possible about the incident. Our claims team will guide you through the process.

Question 14

Can I cancel my policy?

Accepted Answer

Yes, you can cancel your policy at any time. Refunds will be calculated based on the unused portion of your policy, minus any applicable cancellation fees. If you've made a claim, cancellation may affect your refund. Please contact us to discuss your specific situation.

Question 15

What happens if I need to extend my policy?

Accepted Answer

You can extend your temporary policy by purchasing a new policy for the additional period. Unfortunately, we cannot extend existing policies, but you can purchase a new policy to cover the extended period.

Question 16

What documents do I need for a claim?

Accepted Answer

You'll need your policy number, driving license, vehicle registration documents, photos of the damage (if applicable), and any relevant incident reports or police reports. Our claims team will provide you with a complete list of required documents based on your specific claim.

Question 17

What payment methods do you accept?

Accepted Answer

We accept all major credit and debit cards (Visa, Mastercard, American Express). Payment must be made in full before your coverage begins. All payments are processed securely using 256-bit SSL encryption.

Question 18

When will I be charged?

Accepted Answer

You'll be charged immediately upon completing your purchase. Your policy will be active as soon as payment is confirmed, which typically happens within seconds.

Question 19

Can I pay in installments?

Accepted Answer

No, temporary insurance policies require full payment upfront. This is because temporary policies are short-term and the premium is calculated for the entire duration you select.

Question 20

Will I receive a receipt?

Accepted Answer

Yes, you'll receive an email confirmation with your policy details and receipt immediately after purchase. You can also download your policy documents and receipts from your account dashboard.

Question 21

How do I access my policy documents?

Accepted Answer

After purchasing your policy, you'll receive an email with a link to download your policy documents. You can also access them by logging into your account on our website or by contacting our customer service team.

Question 22

I forgot my password. How do I reset it?

Accepted Answer

Click on "Sign In" and then select "Forgot Password". Enter your email address and we'll send you a link to reset your password. If you need further assistance, contact our support team.

Question 23

Can I make changes to my policy after purchase?

Accepted Answer

Most changes to temporary policies are not possible after purchase due to their short-term nature. However, you can cancel your policy and purchase a new one with the correct details. For specific situations, please contact our customer service team.

Question 24

Is my personal information secure?

Accepted Answer

Yes, we take data security seriously. All information is encrypted using 256-bit SSL encryption, and we comply with GDPR and UK data protection regulations. Please see our Privacy Policy for more details.

Frequently Asked Questions

Getting Started

Policy & Coverage

Eligibility & Requirements

Claims & Cancellations

Payment & Billing

Technical & Account

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