Q: My vehicles are all due for renewal at different dates so do I have to
cancel them all now at a loss of premium to transfer them over to Family Fleet?
A: Not unless you particularly wish to. We will, in the first year, accept vehicles to the policy (starting at the first renewal date) on the renewal premium quoted by your existing insurer on proof of the renewal notice. Thereafter, as vehicles become due, we will add them for the remainder of the year pro-rata (daily charge basis) of the renewal rate until all vehicles are on the policy.
Q: What if I don’t like the date of my first vehicle as the future renewal of
my policy?
A: Then you select at inception a convenient date and we calculate all the premiums on a daily charge basis to the date that is convenient.
Q: So I don’t actually save any premiums in the first year?
A: Correct. Essentially you are moving from a vehicle rated policy to a ‘driver’ rated policy so it takes a year to convert the policies over (that is unless you opt to cancel them all at once with the attendant charges you face from your existing insurers).
Q: Generally speaking, when do I start to save?
A: At the first renewal date when all the vehicles are included.
Q: Do I get a Certificate of Insurance for each vehicle?
A: Yes a concise document that shows the vehicle registration and against each driver the usage that is permitted for that driver.
Q: As it is a driver policy, do I have to tell you about changes in vehicles?
A: Yes, especially those vehicles that carry a UK registration number. For Jersey and Guernsey there is the requirement to produce a windscreen insurance disc unless the number of vehicles you own warrants a ‘fleet’ rating.
Q: How can I advise you these changes?
A: By telephone during normal working hours or via our websites cglloyds.co.uk, cgguernsey.com, cgjersey.com.
Q: How do I get a quote?
A: You can telephone us or come along to one of our branches or visit us online at multivehiclecover.com.
Q: What if I'm a bit of collector of vehicles and they are in various states
of undress or laid up.Do I have to insure them?
A: Present legislation states that provided you have obtained the SORN certificate, you have no need to tax or insure them. Things may change and you may be obliged to insure all the vehicles you own in legislation being proposed before the UK Parliament. Our policy is ideal – you can disclose as many vehicles as you like without necessarily affecting the premium and you then also satisfy the Motor Insurance Database (MID). For Jersey and Guernsey it is best to disclose all the vehicles and obtain the WIDs on each.
Q: What happens if I just have a new vehicle at present to insure and my
other vehicles are due later in the year? How do you calculate the premium now
on the single vehicle?
A: We have our own rating for Private Cars "stand alone" single vehicles and will charge accordingly. We compare with the market constantly. When the other vehicles become due they will be added at Pro-rata premiums until all the vehicles are added.
Q: What if the first vehicle is one I have purchased for my son or daughter and my vehicles will be added later?
A: Ah, then you will be charged as if it's a "stand alone" risk without the benefits of the Family Fleet discounts until the other vehicles are added. We are however prepared to enter a "shared venture" with the parents of young drivers by increasing the "all sections excess" and reducing the premium accordingly. N.B. An all sections excess means you pay that amount irrespective of whether its damage to your own vehicle or the other party's car or property and you agree to pay the excess on submission of the claim form. Typically Young Driver excesses are £750 to £1250 depending on your appetite for risk and reduction in premium.
Q: Am I able to have an "Any Driver" cover?
A: This is a "drivers policy" intended to be restricted to the Drivers we know about, not others. In certain circumstances we will give "Any driver" for a particular vehicle (i.e. a van driven by employees), but it will be expensive especially if you are wanting no age restrictions.
Q: Sometimes I employ a driver to chauffeur me to functions in my own vehicle. I never know exactly who will be the driver sent by the agency. Can he be covered without me having to advise you?
A: Provided the driver is a professional chauffeur or driver and you are employing them for the purpose of that journey then they can be included automatically. A small additional premium is required for this extension.
Q: If I write off a vehicle insured under Family Fleet,what happens as this
is a “drivers policy” not a vehicle policy?
A: For a start the cover on that vehicle alone ceases but the drivers cover does not and you are able to add another vehicle to the policy for the remainder of the year. On renewal the premium is assessed on that driver accordingly, i.e.bonus lost or not.
Q: If my vehicle is stolen from my home or during a journey, whose driver
record does it affect?
A: It will always be the last driver in charge of the vehicle. If there is a dispute as to who this was then it will go against the Policyholder himself (After all it is his vehicle!)
Q: Does a driver lose all his No Claims Bonus in the event of a claim?
A: No the normal “stepback” applies and bonus protection is available at an additional premium, to all drivers at all levels.
Q: What if I decide not to renew my Family Fleet policy but to insure the
vehicles separately? How do I get back on to the regular insurance market?
A: At each renewal you and your drivers will receive a bonus certificate confirming the number of years claim free. This document is normally sufficient to enable you to gain a standard vehicle insurance.