How does hire car excess insurance work?

How does a rental excess insurance policy work? What is covered and what isn't? Who pays for damage to the hire car and same for third party? What are the pros and cons with these type of policies? Anything...

Do I have to declare an accident to my insurer even if there's no claim?

I dinged a parked car. It was my fault and I saw that I left two scratches on their rear bumper and a patch of scuff marks on my front bumper. I left a note for the owner. The wwner phoned and was adamant...

Should I declare an insurance claim on my motorbike when applying for car insurance?

I used to ride motorcycles. In 2007 I had a no fault accident where my bike was written off. My insurance paid out without quibble and my solicitor put in a claim for loss of equipment and clothing which...

Will a named driver making a claim affect my no claims discount?

I have my daughter on my insurance to drive my car. If she had an accident what happens to the no claim bonus? Is it off her own car insurance or mine?

Do I need to tell my insurance that I have received a fixed penalty notice?

After 52 years of driving, 19 years claim free and just 2 FPNs (1984 and 2006) I was annoyed last night to receive one. No question of the 36mph in a 30mph zone which just about all the local roads are...

Can I transfer no claims between policies?

I was filling out a request on line for motor insurance. For the car I want to insure I have 20+ yrs no claims which I put on the form, but my second car is insured in a classic car policy for which no...

What is vehicle shortfall insurance?

I've just reserved a pre-registered Vauxhall Astra 1.2 which I'm buying outright with an on the road price of £23,000. I'm being offered VSI - do I need this? I'm insured with AA but the policy doesn't...

Do I need to declare a minor scrape to my insurers if it can be settled amicably?

Some time ago, my partner passed her driving test, got into her car, which is parked on the road outside our house and scraped our neighbour's car by accident as she was trying to pull out of a tight space....

Do I need to tell my insurer of damage to my car even if I get it repaired myself?

I unfortunately very gently bumped into the back of a car. On inspection there wasn’t any damage to the car, but there was a little damage to mine. The other driver had to take particulars of my insurance...

Can I transfer my NCD to another car?

I have one registered car but the main driver insured is my daughter with me as a named driver. If I buy another car which is registered in my name as well and I want my NCD to be applied to this car,...