CAR INSURANCE FREQUENTLY ASKED QUESTIONS
- Q - Who are Quoteline Direct ?
A - Quoteline Direct are part of the Wilsons Insurance Group who
are professional registered insurance brokers with a direct approach
to customer satisfaction. Wilsons Insurance Group started to serve
their customers in 1969 and are now one of the major insurance
brokers in the U.K. Quoteline Direct ® is a registered trade
mark.
- Q - Who is the insurance company?
A - With perhaps one of the most comprehensive online car insurance
quote systems available, we search for the lowest possible quote
from over 450 policies - immediately online. Our policy's are
provided by the countries leading insurers including AXA, CGU,
Cornhill, Fortis, NIG Skandia, Lloyds of London, Royal Sun Alliance,
Norwich Union, Eagle Star, Zurich and many more.
- Q - What is no claims bonus and how does it affect
my premium ?
A - Your no claims bonus is a reward for remaining claim free.
It rises on a scale up to 9 years. The more bonus earned the cheaper
your premium will be. Your No claims bonus can be protected, this
facility is normally available when you have been claim free for
4 - 5 years. Protected no claims bonus will not have been included
in your online motor quotation.
- Q - How often do premium prices change?
A - Premiums increase or decrease as each insurance company assesses
the costs of transacting business, usually on a monthly basis.
Insurance companies have generally been losing money over the
last few years and as such will be seeking to increase rates over
the next few months.
- Q - How do I get a quote for a Q plate / Imported /
Modified Vehicle ?
A - All the above can only can only be fully catered for using
our quoteline consultants (EU Imports only). We will negotiate
each case with the insurers before a final premium is quoted.
- Q - Why don`t you provide motor insurance cover for
Northern Ireland ?
A - Most insurance companies only provide cover through Brokers
or Agents based in Northern Ireland. We are currently negotiating
with a number of insurers and hope to be able to offer cover soon.
- Q - What do I get included with my insurance policy
?
A - All new clients receive our unique Customer Discount Book
and a first class service.
- Q - Why can`t I pay online ?
A - We have found that the vast majority of our customers require
further information before they take out their policy and want
the confidence of knowing that they have chosen the correct cover.
In addition to this, many of the major insurance companies are
unwilling to provide cover online and to omit these companies
when searching for your quote would increase the cost to you.
- Q - My car has been "Modified". Do you need
to know, and will it affect the cost of my cover ?
A - We do need to know and it may well affect the cost of your
policy. Make sure you tell us when you ring up take out your cover
if your car has been modified so we can ensure you are fully covered.
- Q - How can I tell which alarm I have?
A - All alarms are categorised by 'Thatcham' (a motor research
institute). Some insurers will give discounts for various alarms
but not for others. To obtain a discount for an alarm or immobiliser
you must specify the exact alarm by referring to the alarm documentation
provided at the time of purchase. If you do not have such information
insurers will not grant discounts.
- Q - I am trying get an online car quotation and cannot
find my car on your database ?
A - The vehicle ABI listings are exhaustive and should cater for
your vehicle. This is not always the case. If you cant find the
exact model find a similar model and give us a call on 0870 444
0870 and select the new business option. We will identify your
exact model and make the necessary changes to your quotation.
- Q - Why did my online car insurance quotation not give
me a price ?
A - Please bear in mind that heavy numbers of users impact on
the service and performance of the quotation system. Heavy web
traffic can increase the time it takes for your quotation to be
processed and in extreme cases may lead to your quotation timing
out.
In addition, there are several reasons why you may not receive
a quote from the insurers. You may not have entered your details
correctly and the insurers will detect an anomaly in the data
that you have provided. This may simply be due to an error of
data entry. You can review the data that you have entered, correct
the error and proceed with the quote.
- Q - What should I do if all insurers decline my request
for insurance?
A - There are several reasons why insurers might decline to quote.
You may not have entered your details correctly and the insurers
will detect an anomaly in the data that you have provided. This
may simply be due to an error of data entry. You can review the
data that you have entered, correct the error and proceed with
the quote.
It is quite possible that no insurer is willing to quote because
they consider that the risk is unacceptable. The risk could be
unacceptable because of your driving record or convictions or
age or car.
- Q - How can I pay for my insurance policy ? Can I pay
in instalments ?
A - We accept payment by all major credit cards (excluding American
Express), Switch and Cheque. Installment facilities (including
Direct Debit up to 12 months) are normally available. Please ask
your advisor for full written details. Applicants for payment
by Direct Debit must be over 18.
- Q - Why can't I pay online ?
A - We have found that the vast majority of our customers require
further information before they take out their policy and want
the confidence of knowing that they have chosen the correct cover.
In addition to this, many of the major insurance companies are
unwilling to provide cover online and to omit these companies
when searching for your quote would increase the cost to you.
- Q - What documentation will you send me ?
A - If your took out an insurance quote online you will receive
an e-mail confirming your quotation. When you take out cover you
will receive your cover note or insurance certificate & policy.
Keep the documentation safe for your future reference.
- Q - How can I obtain copies of my documentation?
A - To obtain a duplicate copy of your insurance policy documentation
ring 0870 444 0870 and select the option for Customer Services.
Alternatively e-mail customerservice@quotelinedirect.co.uk . You
may be required to complete a form to obtain your new documentation
and their may be a charge for this service.
- Q - How can I make changes to my insurance policy ?
A - To make changes to your insurance policy ring 0870 444 0870
and select the option for Customer Services. Alternatively you
can request changes to your home or motor policy online, by visiting
the existing customers area.
- Q - How do I make a claim on my insurance policy ?
A - To make a claim contact our claims department on 0870 444
0870 and select the option for claims. Alternatively e-mail claims@quotelinedirect.co.uk.
E-mails are normally processed between 9.00am & 5pm Monday
to Friday.
- Q - Am I entitled to a courtesy car ?
A - Most insurers will provide a replacement vehicle following
an accident as long as an approved repairer is used, subject to
availability. Our claims department will be able to confirm these
details for you.
- Q - Who do I pay my excess to ?
A - If a policy excess is applicable, it is payable to the repairing
garage upon completion of repairs.
- Q - Is my excess recoverable ?
A - Yes if you are involved in a non fault accident and there
is a third party to caim from. If you have purchased our unique
legal expenses cover we can assist in the recovery of your policy
excess along with any other losses or out of pocket expenses from
the third party.
- Q - Can I get emergency repairs done ?
A - You can have urgent remedial repairs completed (eg leak on
a sink fixed). You cannot replace damage caused by the accident
without first consulting your insurance company first and obtaining
their agreement and approval.
- Q If I have a small accident should I make a claim?
A If you have a small accident such as a dent or broken light
where there is no other car involved you may be better off repairing
the damage at your expense rather than claiming on your insurance
and possibly losing your no claims bonus. Look at the excess on
your policy and make the appropriate decision. Be aware that any
bodily injury should be reported to the police.
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