Help Category: Your car

Can other people drive my car?

Only if:

  • He/she is a named driver on your policy, or
  • His/her own insurance policy includes driving other cars (DOC) cover.

If someone who is not a named driver on your policy has an accident while driving your car, he/she will need to claim on his/her own insurance policy.

It is imperative that you check any driver is insured to drive your car before you let them use your car.

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How do I tell you if I change car?

You must tell us straight away about any changes that may affect your policy. If you change vehicle, please email us on service@insurethebox.com or speak to one of our agents via Live Chat on Your Portal.

Please note: this may result in an increase or decrease in premium. There is a £90 fee if you change your car. Fees will be subject to Insurance Premium Tax where applicable.

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If I buy a car that has been imported from outside the UK will you be able to insure it?

No – insurethebox does not provide cover for vehicles imported into the UK by persons other than the manufacturer of the vehicle.

Will you provide temporary cover when I change vehicle?

Unfortunately we do not have the option of providing temporary vehicle cover.

Please note: There is a £90 fee if you change your car. Fees will be subject to Insurance Premium Tax where applicable.

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My car has been modified, will you still insure it?

No – insurethebox does not provide cover for vehicles with modifications (other than by the manufacturer or for a disability). Please speak to one of our agents via Live Chat on Your Portal if you’re unsure whether a particular alteration to your car is classed as a modification.

Do I need my insurance certificate to tax my car?

No – you can tax your car online, or by phone as long as you are the registered keeper of the car.

Visit www.gov.uk/tax-disc to tax your car online now or call the DVLA on 0870 850 4444 to renew by phone.

Please note: if you have just taken out a policy it can take up to 7 days for your insurance information to reach the Motor Insurance Database.

If I’m not going to drive my car temporarily what can I do about my insurance?

Your premium already takes into account the miles you use and the fact that your vehicle may not always be in use. However if you are not going to need your vehicle to be covered for a prolonged period of time because you are not planning to drive your car, you can make a Statutory Off Road Notification (SORN) to the Driver & Vehicle Licencing Agency (DVLA). Once the vehicle is legally declared off road you will not require insurance cover on the vehicle and you can contact us to arrange the suspension of your policy.

However, please be aware that you will be required to continue payments for the full term. During the suspension period the policy will not be valid, but at the end of the policy year you will still be entitled to your No Claim Discount (NCD) as long as you have not made a claim. You can reactivate your policy at any time and you will still benefit from your full remaining miles. If you would like to suspend your policy, please speak to one of our agents via Live Chat.

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What is Compulsory Insurance Enforcement?

If a vehicle shows as uninsured on the Motor Insurance Database (MID) the registered keeper will be sent an Insurance Advisory Letter (IAL), explaining that it’s a legal requirement for all vehicles to have insurance, unless it has been declared ‘off road’ by a Statutory Off Road Notification (SORN). For more information visit http://www.direct.gov.uk/motoring.

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Do I have to insure my car if I have declared it off road?

No, providing you have completed a  Statutory Off Road Notification (SORN). For more information visit http://www.direct.gov.uk/motoring.

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Can I upgrade my in-car entertainment?

Yes, but, unless the in-car entertainment, phone and/or satellite navigation equipment was part of the car manufacturer’s standard, specification cover is limited to £250.

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