Your car insurance questions

How much is first time car insurance?
This would depend on your driving history, address, type of vehicle etc. To obtain a quote please log on to the quote and buy section of our website, or alternatively speak to our telesales department on 0845 246 0515.
What is the difference between comprehensive and third party fire and theft insurance?
1. Comprehensive (Fully Comp)
This covers the policyholder for all third party risks and accidental damage to the insured vehicle. It also covers for items like personal accident/injury, death of policyholder, medical expenses, personal effects, in-car entertainment and windscreen.
2. Third Party Fire and Theft (TPFT)
This covers for all third party liabilities and fire or theft of the insured vehicle. It also covers for things like attempted theft and in car entertainment.
3. Third Party Only (TPO)
As the name suggests this only covers for liabilities to third parties.
I am trying to get a quote but your database will not recognise my address. What should I do?
Our system relies on a house name or number, and full postcode, which we check via the Royal Mail registered address listings. Our database is updated every six months and should therefore be able to recognize your address. We are aware that there are a small number of properties, which, for a variety of reasons, do not appear on our site. We are currently working to eliminate this problem. If you require a quote urgently, then please contact our helpline on 0845 246 8701, between 8am and 8pm weekdays and 9am and 5pm on Saturdays and one of our advisors would be happy to help with your requirements.
If I am buying a new car - how do I transfer my existing policy over to the new vehicle?
As an existing customer you would only need to call our motor department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you. Please call us.
Why couldn't my vehicle registration number be found in your database?
In most cases a customer only has to enter their registration number on the first page and our system will find the exact vehicle details without having to go through the vehicle selection screens. Where our system cannot find the registration number (normally on very new cars that are only just registered) or the customer doesn't know the registration number (they may be looking to buy a new car) they are taken through selection screens that drill down through the manufacturer, model and year to a give a short list of vehicles that can then be selected from. The Get Premium button then takes you to the premium page. Once you get to the Premium page we do display the details that you have entered at the top of the screen (name, address, date of birth, vehicle type) so that the customer can confirm the details and press AMEND if something needs to be changed. On the premium page you can change the level of cover, voluntary excess and add and remove other benefits until the exact cover is reached.
Why am I being asked for a security code to enable me to get a car insurance quotation?
Typing in the numbers from a picture helps to ensure that a person - rather than an automated program - is completing the application form. This is important because harmful programs can be used to complete large numbers of application forms. This causes problems for other users as they slow the website down. In most cases, an automated application program can't recognize the characters in the picture. This gives our users an added level of security and ensures that we offer you the very best customer experience.
Why did I receive a message saying that you are unable to provide me with an online quote?
Our online system is designed to be as quick and simple as possible and cater for the vast majority of customers. We have reduced the number of questions that are asked to a minimum: a few personal details and the registration number for a car or breakdown insurance quote, or house details for a home insurance quote. We will occasionally need to ask some customers additional questions and clarify answers to provide cover. This could be due to the type of vehicle, customer age, occupation, the address or indeed various combinations of these factors. For this reason the website is fully integrated with our call-centres, enabling customers to simply contact our highly trained and efficient telesales operators for further assistance if required. With the details that you provided we are unable to provide an online quote because we need to ask additional questions, hence the message asking you to call us for a quote.
If I have a foreign licence, how do I get a quote from you?
Our site is only designed to give quotations for drivers with a valid UK/EU licence, however Privilege may be able to offer a quote to a foreign licence holder over the telephone, therefore please arrange to call us.
Can I receive an online quote if I do not have a registration number yet?
You are able to obtain a quotation without the registration number. Please fill the relevant fields surrounding this question. Once these are filled in please click on get premium button, which then prompt you to choose the car details.
Why do I get an error regarding the value of my vehicle?
Please insert the value of your car to the nearest £1000. If the value of the car is inserted with a pound sign or a comma then an error message appears. Therefore please enter the price only with no symbols.
Are my spouse and I covered for our business use with our Privilege policy?
As long as you agreed this with us when you took out the policy, and you use your car in accordance with the section called "limitations as to use" on the Certificate of Motor Insurance, you should be covered.
My partner has a provisional licence - how will this affect the quote?
A drivers licence type and experience is used as a rating factor, therefore someone with a full UK driving licence held for a number of years would pay less than someone with a UK provisional licence, assuming all other factors were the same. The internet does take note of licence type and how long held.
How do I add a driver to my car insurance policy?
Give us a call on 0845 246 0515 with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.
How do I get the Pass Plus discount?
The pass plus discount is not available online, the reason being is before we can offer this discount we do need to check that you meet all criteria. Please call us for a quote.
Do you insure motorbikes/caravans/boat/commercial vehicles?
Motorbikes are available on breakdown cover. We do not cover static caravans on either motor or home insurance. Home do offer some cover to the contents. Motor does offer cover for motorhomes/caravanettes up to 3 litres. Boats - no cover whatsoever. Commercial vehicles - whilst we do cover vans, we do not offer commercial policies, therefore we recommend a commercial insurer to give you the correct cover.
Why can I not receive an online car insurance quote if I work in the entertainment industry?
We are not saying we do not want to offer cover to people within entertainment, its so that we may refer the risk to our underwriters - something the online system cannot do. As I'm sure you can appreciate, to avoid potential errors we ask anyone in the entertainment industry to call us.
Will the policy be affected if I have my car windows tinted?
If the tint is to the manufacturers standard specification and the work carried out by the manufacturer we have no problem. Anything else, please call us.
If I have a motoring conviction i.e. fixed penalty endorsement or driving ban will it effect my premium?
Privilege will be taking your driving history into consideration, therefore we do need to know your licence history. If you have convictions, endorsements or bans on your licence this effects the risk, which will have a knock on effect on your premium.
Do Privilege provide motorcycle insurance?
Privilege do not offer motorcycle insurance. Devitt Insurance Services Limited who are insurance brokers arrange the Devitt motorcycle insurance policy. Devitt Insurance Services Limited are authorised and regulated by the Financial Services Authority. Please click here to obtain your online Devitt motorcycle insurance quotation.
What does 'partner' mean in relation to adding an additional driver to my quote or policy?
If you add an additional driver to your quote or policy, select 'partner' if you (the insured) and the additional driver are a couple, living together, but are not married or have not had a civil partnership ceremony.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.
What does 'spouse' mean in relation to adding an additional driver to my quote or policy?
If you add an additional driver to your quote or policy, select ‘spouse’ if you (the insured) and the additional driver are legally married or have had a civil partnership ceremony.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.
What does ‘other’ mean in relation to adding an additional driver to my quote or policy?
If you add an additional driver to your quote or policy, select 'other' if the additional driver is not your:
• Partner: a couple, living together, but are not married or have not had a civil partnership ceremony;
• Spouse: legally married or have had a civil partnership ceremony.

Examples of 'other' additional drivers may include your (the insured) son, daughter, cousin or friend.

It is your responsibility to make sure that information relating to all drivers covered by the policy is accurate. Any deliberate misrepresentation made by you in order to obtain a lower premium could result in avoidance of your policy and rejection of any claims.

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No Claims Discount (NCD)

Am I able to take my No Claims Discount (NCD) to another insurer?
Only if it is not currently being used on another vehicle. NCD can only be used for one vehicle at a time. You can take your NCD to another company, even if we have obtained proof on your behalf.
If you have been unable to obtain proof my No Claims Discount (NCD) what should I do?
If we have been unable to automatically obtain proof of your No Claims Discount, then you'll need to send us your most recent renewal notice or letter from your insurance company using the prepaid envelope enclosed with your welcome documents.
Can you send me proof of my No Claims Discount (NCD)?
NCD can only be used for one vehicle at a time. Your current renewal invite is proof of your NCD. However, if you do not have this please phone 0800 051 6990 and we will be happy to help you.
What do I need to provide as proof of my No Claims Discount (NCD)?
If we have been unable to automatically obtain proof of your No Claims Discount, then you'll need to send us your most recent renewal notice or letter from your insurance company using the prepaid envelope enclosed with your welcome documents.

The renewal notice or letter will need to confirm the following: insurance company policy number, your name, number of years NCD and expiry date.

If in any doubt please contact your last insurance company and ask for evidence of your no claims entitlement.
What is No Claims Discount (NCD) or No Claims Bonus?
They are both the same. However as a company we use the term ‘No Claims Discount' (NCD). This is the term used to describe the discount insurance companies give policyholders when they have not made a claim or had a claim made against them. This is usually expressed in years.
If my No Claims Discount (NCD) has been earned in another country, is it still acceptable?
Only if it is issued by an insurer from an EU/EAA country (proof must be written in English). NCD earned in Australia, Barbados, British Virgin Islands, Canada, Faroe Islands, Gibraltar, Hong Kong, Isle Of Man, Japan, Jersey, Monaco, New Zealand, Republic of Korea, Singapore, South Africa, Switzerland, USA or Zimbabwe is also acceptable provided it is written in English and the NCD level is shown in years and not as a percentage.
Do the years I’ve spent driving a company car count towards my No Claims Discount (NCD)?
If you have previously driven a company car, not a pool car, including business and pleasure use, we may be able to offer you a discount. You must have surrendered the company car within the year prior to the start date of your policy with us, be claim free and able to supply a letter from your employer to confirm this information.
What is No Claims Discount Protection (NCDP)?
No Claims Discount Protection (NCDP) is available to policyholders with either 4 or 5 years No Claims Discount. If purchased you will not suffer any loss of No Claims Discount (NCD) if you make no more than: 1. One fault claim in a period of cover: or 2. Two fault claims in any three consecutive periods of cover.
I've been a named driver on someone else's policy for a few years - does that entitle me to a no claims discount if I start my own?
If you have been a named driver on a Privilege policy we will recognise the number of years you have been claim free on this policy, up to a maximum of 5 years. We will provide you with a Named Driver No Claims Discount when you take out your own policy with us.

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Privilege discounts

What does a Named Driver No Claims Discount entitle me to?
The Named Driver Discount will entitle you to a discount depending on the number of years you have been a named driver on a current Privilege policy without making a claim. (Up to a maximum of 5 years).
Am I eligible for a Named Driver No Claims Discount?
You are eligible for a Named Driver No Claims Discount if you are a named driver on a current Privilege policy (not the policyholder) for over 12 months and subject to your claims history. (Up to a maximum of 5 years).
Can I transfer my Named Driver No Claim sDiscount to an existing Privilege policy?
Yes you can transfer your Named Driver No Claims Discount (up to a maximum of 5 years). Any transfer of Named Driver No Claims Discount only acts to 'top-up' the existing No Claims Discount, the two discounts are not added together.
If someone is a named driver on my policy and they insure their own vehicle with Privilege with a Named Driver No Claims Discount, and have an accident in their vehicle, will this affect my policy?
If this does happen it won't affect the No Claims Discount on your policy but under the Duty of Disclosure you are obliged to report this to your insurer, and depending on the circumstances it could affect your future premiums. You are obliged to report this regardless of whether the named driver has a policy of their own or not.
What is a multi-car discount?
If two or more cars in your household are insured with Privilege or if you are a named driver on another Privilege policy, we will give a discount on the second and subsequent car insurance policies.
What does a multi-car discount entitle me to?
The multi car discount will entitle you to a discount on second and subsequent cars that are insured with Privilege when the policyholder of each car lives at the same address or if you are a named driver on another Privilege policy.
Am I eligible for a multi-car discount?
You are eligible for a multi-car discount on your Privilege policy if you live at the same address as the first car insured with Privilege or if you are a named driver on another Privilege policy.
Am I eligible for a multi-car discount if I am only a named driver on 2 or more cars insured with Privilege and registered at 2 different addresses?
You are eligible for Multi-Car Discount if you are named driver on another policy even if it is registered at another address.
Can I use a friend or relative's multi-car discount without asking them?
Yes you can link your policy with a friend's or relative's you are a named driver or if you live at the same address as them. However you must seek agreement with the linked policyholder and if they are unhappy you need to let us know as soon as possible.
What is an only driver discount?
If you are the only person insured on your Privilege car insurance policy and you purchase an additional car that will only be driven by you, we will give you an extra discount on the policy for your new vehicle. Once applied to a policy the extra discount given for your additional car works the same way as No Claims Discount (NCD) in that if you make a claim the discount will be reduced.
Am I eligible for an only driver discount?
You are eligible for an only driver discount if you hold an existing Privilege car insurance policy with No Claims Discount (NCD) and providing you are the only person insured to drive each car.
If I add an additional driver to any of my policies am I still eligible for the only driver discount?
You cannot get an only driver discount, because in this situation it would be possible for your additional driver to be driving one car at the same time as you were driving the other.
Do you give second vehicle discounts i.e. can I use my No Claims Discount more than once?
If you insure two or more vehicles with Privilege we will provide you with a discount for every additional car. In addition if you are the only person on your privilege car insurance policy and you purchase a second car that will also only be driven by you, we will match the number of years earned NCD and provide you with a discount.
What is a Named Driver No Claims Discount?
If you have named drivers on your Privilege policy, they will earn Named Driver No Claims Discount in their own name for every year they are not responsible for a fault claim arising on your policy (up to a maximum of 5 years). The Named Driver No Claims Discount earned can be used against a Privilege policy of their own in the future. However, it may not be recognised by other insurers.
Do Privilege offer discounts if the vehicle is fitted with Thatcham alarms and immobilizers?
At the moment Privilege does not offer discounts for a Thatcham approved system being installed. Unless we have asked specifically for a Thatcham approved system to be fitted as a standard requirement then it is not necessary on the Insurance.

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Service and Cover

Can I use a hands-free kit with my mobile phone when driving?
It is illegal to hold a hand-held mobile phone or similar device while driving a motor vehicle. It is also illegal to hold a mobile phone and use it for texting, internet access or video operation while driving a motor vehicle. The initial fine is £60, rising to a maximum of £1,000 on conviction in court (£2,500 for drivers of goods vehicles, buses or coaches). With effect from 27th February 2007, the penalties for the offence have been increased to include 3 penalty points. Provided that a mobile phone can be operated without holding it, a hands-free kit with a mobile phone is not prohibited by the regulation. However, hands-free kits can be distracting and you risk prosecution for failing to have proper control of a vehicle if you use a hands-free kit when driving. If there is an incident, the use of a hands-free kit with a mobile phone might result in charges of careless or dangerous driving. Further information about the use of mobile phones when driving can be obtained on the Department of Transport website www.thinkroadsafety.gov.uk.
Can I temporarily add a driver to my car insurance?
Yes, give us a call with full details of the additional driver and we will add the driver for you. The charge will be dependent on the details of the risk.
Can I have an annual green card and is it free?
Yes, you can have an annual green card that is free of charge. However, this only gives you the minimum cover in the country you are driving in (i.e. the equivalent or less than the UK’s Third Party Only insurance), but you can extend your policy to allow the same cover you enjoy in the UK (i.e. Comprehensive or Third Party Fire and Theft) by paying an additional charge. This is called a Foreign Use Extension.

To counter weekend or short trips, we provide Foreign Use for 3 days or less free of charge. We allow a maximum of 90 days’ Foreign Use per policy year. Please call us to arrange your cover.
If my vehicle is in a garage and I need to cover a hire car under my insurance, can I add it on?
Yes, give us a call with full details of the vehicle and the duration it is to be covered and we will add the vehicle on for you. A small charge may be made dependent on the vehicle details. We also offer Guaranteed Hire Car cover, we will provide you with a hire car for up to 14 days after yours becomes unusable due to a claim (excluding windscreen damage). Unlike many companies' courtesy car services, this even applies when your car has been stolen or written off.
Can I get a copy of my insurance certificate?
You are unable to obtain a copy of your insurance certificate online however if you call our customer service department on 0800 051 6990 we will be happy to deal with your request.
Do I get a refund if I sell my car after paying my insurance premium?
If you cancel before your policy is due to start, we will return any premium you have paid in full. Please return the certificate of motor insurance.
If the policy has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less an administration fee of up to £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.

If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of up to £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
Where a policy is being paid by instalments there may be an outstanding balance to be settled following cancellation. If a claim has been made the full annual premium normally remains payable following cancellation. (There are several alternatives to cancellation that may apply including substituting the vehicle on cover, reducing the level of cover and suspending the policy). Should you have any queries please contact Customer Services on 0800 051 6990.
When you renew your policy:
If you cancel before the new period of insurance (renewal) is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the new period of insurance (renewal) has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid in full. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of up to £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
Why haven't I received a cover note for my car insurance policy?
There is normally a confirmation email that is sent to you after accepting a policy on the Internet. This is usually sent to you within a few hours and a maximum of a day. We do not issue cover notes, only certificates of insurance for the period of cover. These are dispatched the day after acceptance of the policy. Please call us and we can look at your specific policy.
If my car is going to be off the road, can I freeze my insurance payments?
You are able to change the level of cover you have. If the car is not going to be used we can reduce your cover to Accidental Damage, Fire & Theft or just Fire and Theft only - this is known as a laid-up policy. We require that the car is kept in a locked garage, you have no road use whatsoever and the Certificate of Insurance must be returned. The premium will be adjusted to reflect the reduction in cover. Alternatively we can suspend the cover completely. Payments will need to be taken, however providing your suspension exceeds 28 days we will offer a return premium for the time you have spent on suspension in excess of this period. Please remember that if your car is off the road you need to inform the DVLA and request a SORN (Statutory Off-Road Notification) certificate. To discuss the above matter further please call us.

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Motor Legal Protection (MLP)

Does my policy include Motor Legal Protection?
No, Motor Legal Protection is an ancillary product which can be purchased with the motor insurance.
When can I use Motor Legal Protection cover?
If legal protection cover has been purchased, this cover can be used following any road traffic accident involving your car which is not your fault. We will pay the legal costs of recovering uninsured losses.
If I purchase Motor Legal Protection, who would be covered?
Cover will be provided for drivers named on your current certificate of motor insurance and any passengers whilst travelling in your car.
Would Motor Legal Protection cover me in my other car?
No, cover is provided for the car described in your current certificate of motor insurance only.
Would I be covered by Motor Legal Protection if I go abroad?
Cover will be provided subject to the territorial limits described in your current policy booklet.
Would I be covered by Motor Legal Protection if the driver at fault leaves the scene of the incident?
Details of the driver responsible are necessary if we are to recover your losses from them. It is important that you take the driver's details and the vehicle registration number as well as the make and model.
Will you pay compensation under the Motor Legal Protection cover if I am injured and unable to work?
If you are involved in a road traffic accident which is not your fault, we will pay the legal costs of recovering compensation for any injuries sustained and loss of earnings.
Will I have to pay anything extra if I make a claim under Motor Legal Protection cover?
No, you only have to pay the annual premium. All expenses relating to your legal claim are covered by the policy.
Do I need Motor Legal Protection if I know a solicitor?
Motor Legal Protection will pay the other sides costs if you lose and all expenses (i.e. medical reports and counsels opinion) related to your claim.

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Guaranteed Hire Car

Can I use Guaranteed Hire Car or Guaranteed Hire Car Plus more than once a year?
Yes. Guaranteed Hire Car or Guaranteed Hire Car Plus can be used whenever a valid claim is registered with no limit to the number of times it can be used in one year.
Do I have to pay an excess if I have an accident in the hire car?
Yes. An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car or Guaranteed Hire Car Plus option. You will pay the current level of excess on your policy. Details of the windscreen excesses can be found on your motor insurance Certificate and Schedule.
Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car we will pay travel costs up to the amount stated in the relevant section of your policy booklet.
When can I use my Guaranteed Hire Car or Guaranteed Hire Car Plus option?
You can only use it when a valid claim has been registered.

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Guaranteed Hire Car Plus

Who does Guaranteed Hire Car or Guaranteed Hire Car Plus apply to?
Guaranteed Hire Car or Guaranteed Hire Car Plus applies to all drivers insured under the policy.
With Guaranteed Hire Car Plus, what is meant by a similar physical sized car?
We look to match the physical size of your car up to a large family estate car and consider your engine size although we can not guarantee a precise match. If you have a van we will endeavour to match its physical size. We cannot guarantee you will get the same car as you own, as this would involve matching makes and models of cars, colours, optional extras and modifications, which it is not possible for us to do.
When can I use my Guaranteed Hire Car or Guaranteed Hire Car Plus option?
You can only use it when a valid claim has been registered.

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Credit Scores

What is a credit score?
A score is provided by the credit reference agency Experian, based on information about an individual's previous financial history.
Why undertake a credit score and how will my credit score impact on my quotation?
There are a number of factors that impact on insurance pricing, of which credit scoring is just one.
Where does the credit score come from?
The credit score / rating is provided by Experian who are an RBS approved supplier of financial information.
Will you be able tell me what my credit score is?
Our website will not show your score, nor will our representatives have visibility of it.
After you have obtained my credit score, where is it held?
The score will be held securely within your personal records on our system, along with the information you provide to us.
What affect will this search have on my credit score?
An "insurance" credit search will leave a ‘footprint', visible only to you and Experian, to show that a credit score has been obtained, but this will not affect to your credit score.
If my credit rating changes mid term, will this affect my premium?
We will only undertake a credit search at new business or renewal. Mid term amendments will not be credit scored.
What should I do if I have any concerns over my credit rating?
Anyone can obtain a copy of his or her credit report from Experian. Details can be found on www.experian.co.uk

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Payment

How do I pay for my cover with Privilege?
To cut administration costs and keep our prices down for customers, we take payment by credit card, Switch or Direct Debit. For this reason, we don’t handle cheques or cash.

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Cancellations

What is your cancellation procedure including refunds? Secondly what happens if I cancel having paid in full?
When you buy
If you cancel before your policy is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the policy has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less an administration fee of up £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.

If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of up £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
Where a policy is being paid by instalments there may be an outstanding balance to be settled following cancellation. If a claim has been made the full annual premium normally remains payable following cancellation. (There are several alternatives to cancellation that may apply including substituting the vehicle on cover, reducing the level of cover and suspending the policy). Should you have any queries please contact Customer Services on 0800 051 6990.
When you renew:
If you cancel before the new period of insurance (renewal) is due to start, we will return any premium paid in full. Please return the certificate of motor insurance.
If the new period of insurance (renewal) has started and you cancel within 14 days of it starting or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid in full. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance.
If you cancel after those 14 days have passed, we will return any premium less a charge for the number of days for which cover has been given and an administration fee of up £26.50 (including Insurance Premium Tax where applicable) as shown in your schedule. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. Please return the certificate of motor insurance

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Renewals

How do I renew my policy?
You are unable to renew your policy online. Give us a call on 0845 246 0515 and we will be happy to renew the policy for you.
Will my policy be automatically renewed?
In order to make renewing easier for you, and to support Government initiatives to cut uninsured driving, we try to renew as many policies as possible automatically. All premiums paid by direct debit, Mastercard, Visa and Visa Delta may be automatically renewed. A renewal invite will arrive 21 days before your renewal date, if you are happy with the terms & conditions of the policy we will automatically renew your policy using your current payment details. If you do not wish to accept the renewal, simply let us know when you receive the invite.
Why has my policy been automatically renewed?
We have found that the majority of our customers choose to renew with Privilege each year. To make renewing easier for you, and to support Government initiatives to cut uninsured driving, we are trying to renew as many policies as possible automatically. This means that you won't run the risk of accidentally finding yourself without cover. If you choose to pay your premium by direct debit, Mastercard, Visa or Visa Delta, your policy may be automatically renewed.
How do I know if my policy will be renewed automatically?
Your renewal invite will clearly state if your policy will automatically renew or if you need to contact us to accept the quote.
Should I decide I do not wish to renew my car insurance policy with you, when do I have to notify you by?
You must let us know whether or not you wish to renew your policy as soon as possible.

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Claims

What measures does Privilege take to prevent fraud?
We're doing all we can to help protect you from having to pay the price from the minority who make fraudulent claims. Dishonestly providing information with the intention for financial gain is fraud and may invalidate the insurance cover. We take fraud very seriously and use specialised fraud detection processes to identify any such claims. To help us prevent fraud and money laundering your details will be submitted to fraud prevention agencies and other organisations where your records may be searched. If you provide false or inaccurate information, we will record this; we may share it with other organisations and it may invalidate your insurance. We can send you further details on how your information may be used.
Do I have to pay an excess if my windscreen is repaired?
Please refer to your schedule or your motor insurance certificate for your windscreen damage excess.
Do you offer a courtesy car as standard in the event of an accident?
If you purchased a policy before 22/06/2008, and your vehicle is damaged as a result of a claim that is covered by your policy, we will provide you with a courtesy car for the duration of the repairs, if you are using one of our recommended repairers to repair your vehicle.
With effect from 22nd June 2008, we are offering 2 Guaranteed Hire Car Options. For a small extra premium, you will be able to purchase Guaranteed Hire Car (GHC) or Guaranteed Hire Car Plus (GHC+) (comprehensive cover required).
In the event of a claim, can I use a garage of my choice?
Yes. Please follow the link for further information on insurance claims.
Who should I telephone in the event of a car insurance claim?
Please call us on 0845 246 8539.
Why have you sent me a text message containing the claims helpline number?
If you're ever involved in an accident it's all too easy to forget what to do in the shock of the incident. We at Privilege are experts in handling claims and can assist you when you need us most. That is why we ask our customers to call us from the scene. To ensure our customers can call us if they need to we send an SMS (text message) to customers who have given us their mobile number to ask them to save our claims number to their phone. We want to ensure our customers have extra peace of mind and help when it's needed most, so if you're involved in an accident simply call 0845 246 0216 and speak to one of our personal claims advisors and they will assist you with your claim. For more information on how we can help you please visit our claims information link.
What is the excess on my car insurance policy?
Motor policies have the option of selecting a voluntary excess in return for a reduction in premium, however other additional excesses may apply. Please refer to your quote or policy details. If you are still unsure please call us for more information. Please refer to your policy schedule.

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