Getting a new car and starting your new adventure can be exciting, and it should be. Getting car insurance can be a little less fun. It is, though, an indispensable and fundamental thing to do for you to drive in safety – and required by law in the UK.
We’re proud to be a great choice for young drivers. Our black box car insurance runs smoothly when we have all the necessary details about you. When getting your quote with us, remember to share the correct personal information and always keep it up to date. Faulty data, in fact, may affect any claim you make or could result in your insurance being invalid.
We know admin can be a hassle so we’re here to make it easier for you. Keep reading for the key information needed for your insurance to work properly, and how to avoid simple errors in your policy documentation and save us both a big headache!
1. Correct Main Driver
As basic as it sounds, we need to know who’s driving! When completing your policy documentation, you need to provide the correct name of the main driver. Even though you might be underage, or the car you’re driving was bought under someones else’s name, all the documents must be completed with your own name, not your parents’ or one of your older siblings!
The policyholder and the main driver could be different but be wary of ‘fronting’. GoCompare research found that 10% of parents intentionally claimed to be the main driver of the car that’s actually driven by their child. This is illegal.
2. Parking Address
Once you get insured, your insurer will need to know where you plan to park your car on most days. This is fundamental! With insurethebox, the little black box in your car will show, if you park miles away from the location you’ve provided. Finding a different parking spot in your house street each day is okay, but if for example the address you provided is in Sheffield, and your car is often parked in Manchester, it could lead to some trouble.
We’ll work with you to make sure everything’s running smoothly but for us to avoid fraud, your policy could be cancelled if your information isn’t accurate.This is why it’s important to stay in touch and let your insurer know if you move.
3. Mobile Number
As you’d do with your friends, please remember to give your correct phone number. First of all, if we need to contact you about any changes or important information, we’ll need to speak to you, not your parents! But most importantly, thanks to our Accident Alert, in the unfortunate case of an accident, we want to make sure we can contact you as fast as possible to check that you’re okay. When your insurer wants to speak to you, it’s for a reason!
4. Class of Use
Another important piece of information is the class of use for your car. At the time of getting a quote, insurers will ask how you use your car. SDP (Social, Domestic and Pleasure) covers non-work related driving, Commuting (SDP&C) also covers your work or place of study and Business is for business-related driving in addition.
Whichever you require, the way you use your car will affect any claim you make and it’s important you provide the right information, or it could result in your insurance being invalid.
5. Policy Miles
It’s also important to estimate the correct amount of miles you need, depending on the policy you’re planning to buy. When you get a quote with us, you can choose a specific mileage package (6,000, 8,000 or 10,000) for your insurance.
If you realise you’ll need more, you can buy Top Up Miles at any time. Don’t worry if you don’t get to use all of them, once you renew your insurance with us, you can roll the remainder Top Up Miles onto the new year.
Remember to always double check the information you provide in your policy documentation – be mindful of communicating with your insurer if anything changes. Whether you get a new job, change your mobile number or move to a new house, let us know so that we can keep providing you the right cover. You don’t want to risk getting your policy cancelled!