Yes, you can get immediate coverage if you have a credit or debit
card or if you are able to do a Direct Debit. This issuance of
immediate coverage is subject to normal terms and conditions. Also
note that is you opt for payment via Direct Deposit we may require
an initial deposit from you that is payable by credit of debit card.
You will be asked to save your insurance quote with a password so
that you can be certain that no one besides you can access or alter
your personal details. This password will save your information so
that you can easily access it to change or check at a later time.
The differences between comprehensive and third party fire and theft
insurance are as follows:
* Comprehensive covers damage to your car that is a result of an
accident, theft or fire. Additionally, it covers windscreen damage.
* If you have an accident, you are also covered for third party
damage.
* Comprehensive coverage includes personal accident, injury, death
of the policyholder, medical expenses, personal effects and in-car
entertainment.
* Third party fire and theft covers damage to your car in the case
of theft or fire. It also covers for third party damage in the event
of an accident.
Sometimes the registration mark does not provide enough information
for us to properly identify the make and model of your car. In such
a case, leave the registration field blank. This will prompt the
system to request that you conduct a manual search for the required
information. Once you have done this, the system will provide a list
of vehicle models. Select the appropriate model from the list. If
for some reason you are not able to find that exact details on your
car, please
contact us here.
Our system is dependent upon a correct house name or number as well
as a complete postal code which we routinely check via the Royal
Mail registered address listings. We update our database every six
month and should be able to recognize your address. However, we are
aware that a very small number of properties that do not appear on
our site. This can occur for a variety of reasons and we are working
to correct this problem. If you encounter this problem and are in
urgent need of a quote please contact us directly.
In most instances, you are only required to enter your registration
number on the first page allowing our system to find the vehicle
details. This saves you time from having to manually go through the
vehicle selection screens. When our system is unable to locate the
registration number (this is generally due to a newly registered
vehicle or a vehicle where you did not know the registration number
such as you are considering a new car) you will be asked to manually
input your information via several selections that pinpoint the
manufacturer, model and year then providing you with a brief list of
vehicles that fit that criteria. From there you should be able to
select your vehicle.
Yes. Because your driving history will play a large part in your
coverage, policy and rates, we will request that you submit details
of any claims or convictions that are on your record. In some cases
it may be necessary for a representative from Yes Insurance to
contact you to discuss some details.
You should receive your insurance documents within 5 working days of
your request. If you do not receive them within this time, please
contact our office.
In order to receive your no claims discount, you must submit to us a
renewal notice from your previous insurer as proof that you qualify.
If your renewal notice does not state your entitlement to a no
claims discount, or it is not available to you, you should call your
previous insurer and request confirmation of your NCD. Once you
receive it, you can forward it to our office.
Modifications made to your vehicle that improves its value,
performance, handling or aesthetics may be prohibited in terms of
insuring your vehicle with us. If you are not sure whether or not
your vehicle's modifications are acceptable or if you have any
questions, please call 0870 160 25 36 and speak to one of your
customer service operators.
One of two criteria must be met in order for us to insure an
imported car:
1. It can be located by its registration number
2. You can locate the exact model in our manual selection table
Additionally, age restrictions may apply for certain imported
vehicles.
We do have the ability to extend your policy allowing it to cover
more than one vehicle over a short term basis. If you wish to cover
more than one vehicle at a time, please call us at 0870 160 25 36.
If you require coverage for a second vehicle on an ongoing basis it
will be necessary for you to set up a separate annual policy via our
online application.
Yes, it is possible to obtain an insurance quote without a
registration number for your vehicle. Simply fill in the relevant
fields that surround this question. Once you have input the
information, click the continue button and you will be prompted to
select the specific vehicle details.
If you have a quote that you saved through our system and you set up
a password, you will be able to retrieve your quote. Use the
"retrieve quote" function at the bottom right of the Yes Insurance
homepage. If you requested a quote, but failed to save it, it will
be necessary for you to re-enter your details.
If you have a foreign license you will be unable to get a quote
online as our system is designed to offer quotes to drivers holding
a UK license. It will be necessary for you to call us directly for a
quote.
If you are unsure whether your existing policy covers business use
you should check your policy documents. Alternatively, you can
contact us and we will review your policy for you and advise if it
covers business use. Options for business use coverage is not
available online, so if you wish to add it to a new policy it will
be necessary for you to contact us.
At this time we do not offer policy holders the ability to change or
view their policies online. If you wish to check out change your
information, please contact us.
A multi car discount entitles the policy holder to a discounted rate
for two or more vehicles that are insured with Yes Insurance as long
as the policy holder of each vehicle resides at the same address. At
this time the multi car discount is not available online. If you
wish to obtain a quote for a multi car discount, please contact us
and speak with a customer service representative.
If you want to transfer your existing policy to a new vehicle, it
will be necessary for you to contact us and speak with one of our
customer service representatives. They can aid you in amending your
current policy. You may experience a difference in price and a
change in the underwriting criteria for the new vehicle, but our
customer service representative representatives will discuss this
with you.
Vehicles insured by us are covered by our policy on a Third Party
Only (TPO) basis. This means that our insured vehicle that tows a
trailer (caravan, trailer tent, horse box, etc) or disabled
mechanically propelled vehicle (towing a car that is broken down) as
allowed by law.
Yes Insurance is not, however, liable for any claim that arises from
loss of the towed trailer or vehicle or for property that is carried
in or on the towed trailer or vehicle and while such vehicle or
trailer is being towed for reward.
NCD means No Claim Discount. It is determined by the number of years
that you have held an insurance policy without having a claim made
against you or without you making a claim. If you earn a No Claim
Discount it can be used on only one policy at a time.
The policy that has the No Claim Discount must have been issued by
an insurer from an EU country and the proof must be written in
English. An NCD that is earned in Australia, New Zealand or South
Africa is accepted by Yes Insurance as long that it is written in
English and the NCD level is represented by number of year as
opposed to percentage.
A company vehicle or a vehicle for business and pleasure use, you
may be eligible for a no claims discount. Pool cars are not
eligible. Terms of having time spent driving a company vehicle and
applying it to your no claims discount are as follows:
1. Vehicle must have been surrendered within the past year
2. You must be claim free
3. You must be able to supply a letter from your employer confirming
this information
Yes. Your NCD for your motor bike insurance can be applied to your
no claim discount for your car insurance. However, you must have
surrendered the motor bike policy in order for it to be accepted by
our company.
Policyholders with either 4 or 5 years discount are eligible for our
no claim discount protection plan. Under the terms of the plan, you
will not incur any loss of your no claim discount if you adhere to
either of these criteria:
* You have no more than one fault claim within a period of coverage
* You have no more than two fault claims within any three
consecutive periods of coverage.
No. Our Customer Service pages are currently unavailable temporarily
as we upgrade our system. It is our goal to have these pages online
and available to our customers in a relatively short time. We
apologize for any inconvenience.
Yes. Your existing coverage is automatically extended to cover you
as you travel within the EU for up to 90 days. Travel outside of the
EU may require additional levels of coverage to the countries that
you will be visiting abroad.
Each policy has different parameters that are dependent upon the
individual policyholder's requirements. Your coverage may extend to
other vehicles that you drive, but this insurance is not
automatically extended. If you plan to drive other cars you should
check your Certificate of Motor Insurance to determine if you have
that type of coverage.
If you wish to make any changes to your insurance policy you must
call our customer service department and one of our customer service
representatives will assist you.
Yes. A hired car can be covered under your car insurance if your car
undergoing repairs such as in a garage. The hire car may be used in
claims such as accident, fire or theft. In such cases, if you wish
to extend your policy to cover a hired car, contact our customer
service department and give the representative information on the
vehicle, including the expected duration of the coverage and we will
gladly add the vehicle onto your policy for you. A small fee may be
assessed depending on the details of the vehicle.
It is possibly to add a driver to your insurance on a temporary
basis. You must first contact our customer service department with
all pertinent information regarding the additional driver and we
will add that driver for you. A fee may be assessed depending upon
the level or risk the new driver poses.
Yes Insurance does not issue cover notes. We only issue Certificates
of Insurance for the period of coverage. These Certificates of
Insurance are sent out within four business days of the acceptance
of the policy. Once we have accepted your policy we will issue a
confirmation email directly to you. This is usually done within 24
hours.
Upon receipt of your renewal letter, read the section entitled "What
to do Now" that is located on the left hand side. If you policy is
set to renew automatically, make certain that all of your
information is correct. If you need to make any changes, please
contact our customer service department. You will receive your new
Certificate of Insurance after your renewal date.
You have the ability to change the level of coverage that you have.
If your car is not going to be used for a period of time, we can
reduce your level of coverage to Accidental Damage, Fire & Theft or
to Fire & Theft only. This type of policy is referred to as a laid
up policy. Stipulations to receive this type of change in your
policy are as follows:
* The car must be kept in a locked garage
* You may have absolutely no road use from the car
* You must return the Certificate of Insurance
Your insurance premium will be adjusted to reflect the reduction in
coverage.
We can also suspend your coverage entirely. You will be required to
make regular payments, however if your suspension exceeds a 28 day
period you will be offered a return premium for the time you have
incurred on suspension in excess of this period.
You should also note that if your car is off the road, you are
required to inform the DVLA and request a SORN (Statutory Off-Road
Notification) certificate.
If you have paid an annual premium, you have not made any claims on
the policy during the period of coverage, and the policy is
cancelled prior to the renewal date, then a partial refund would be
made.
If you wish to cancel your insurance coverage with Yes Insurance,
our policy requires that you send the Certificate of Motor Insurance
and your covering letter to our office. When we have received the
Certificate we will proceed with the cancellation of your policy and
calculate your refund, if any, from the date that we received the
certificate.
We will assess your policy and ensure that no claim have been made
against the policy that would normally affect the No Claims Discount
since the inception of the policy or since the last renewal date.
The premium payable will be on a pro-rata +1 month basis unless the
policy has been active for less than 14 days. In that case, a full
refund will be given, provided that certain criteria are met. In the
case where a policy is pain in instalments, there may be an
outstanding balance that must be settled following cancellation.
If there has been a claim made the full annual premium generally
remains payable following cancellation.
You do have several alternatives to cancellation that you may wish
to consider:
* Substitute the vehicle on coverage
* Reduce the level of coverage
* Suspend the policy
Operating a hand held mobile phone or similar device while driving a
motor vehicle is illegal. You may not hold a mobile phone, use it
for texting, internet access or video operation while operating a
motor vehicle. If you are caught, there are various penalties that
may be imposed.
If the mobile phone device can be operated without actually holding
it, a hands free kit with a mobile phone is not prohibited by the
laws and regulations.
However, a hands free kit can still post a liability as it can be a
distraction while you drive. You may still face prosecution for
failing to maintain proper control of a vehicle if you use your
hands free kit while driving. If there is an accident your use of a
hands free kit with a mobile phone may result in charges of
dangerous, negligent or careless driving.
You can find more information regarding the use of mobile phones
when driving on the Department of Transportation website.
Yes Insurance Legal Assistance Service will provide for up to
£100,000 of legal costs to help you recover uninsured damages and
losses that can not be claimed from any insurance company. Such
losses include:
* Compensation for death or injury
* Your excess
* Loss on earnings or income
* Compensation for damages to your personal property if you are not
covered by a comprehensive policy.
The Yes Insurance Legal Assistance Services feature does not have
automatic inclusion in your policy. It is an optional additional
coverage item that you may purchase in addition to your car
insurance policy for a low monthly fee.
If you have purchased Yes Insurance Legal Assistance Service, the
coverage may be used following any road traffic accident that
involves your car and is not your fault. We will pay any legal costs
incurred in appointing a solicitor to assist in the recovery of any
uninsured losses.
Yes Insurance Legal Assistance Service provides coverage for all
drivers that are named on your current Certificate of Motor
Insurance as well as any passengers who are travelling in your car
at the time of the accident.
Yes Insurance Legal Assistance Service will only provide coverage
for the car that is described in your current Certificate of Motor
Insurance. If your second car is not described in your current
Certificate of Motor Insurance, it will not be covered by Yes
Insurance Legal Assistance Service.
Yes Insurance Legal Assistance Service will provide coverage within
Great Britain, Northern Ireland, the Isle of Man, the Channel
Islands and any country that is described in your current policy
information booklet.
It is imperative that you obtain the driver's details including
their vehicle registration number and the make and model of the
vehicle. It is necessary that we have the details of the driver who
is responsible for the accident so that we may take action and
pursue that driver in order to recover your losses from them.
If you are involved in a traffic accident and you are not at fault,
Yes Insurance Legal Assistance Service will pay the legal costs
involved in recovering compensation for any injuries incurred and
any loss of earnings sustained.
No. If you ever have to use Yes Insurance Legal Assistance Service
all you need to pay is the annual premium. Any expenses that are
related to your legal claim are covered by your policy.
Yes Insurance Legal Assistance Service will pay for the other side's
costs and expenses relating to your claim if you should lose. This
includes medical reports and counsel's opinion.
Our Enhanced Courtesy Car feature is available on your motor vehicle
policy for an additional premium. The extended benefits of this
feature include:
* A replacement car for: repairs, total loss or stolen vehicle
* A courtesy car that is of a similar size to your own vehicle, up
to a Class F car, or a small van.
In our Enhanced Courtesy Car feature, we will provide you to a
"similar size car" meaning that it is a car of a similar size to
your own. We will assess the physical size of your car, up to a
large family estate car, as well as engine size. We can not
guarantee a precise match, but will get a close as possible. For
instance, if you have a van you will receive a small van. If you
have an MPV you will receive a mini MPV that seats 7.
We are not able to guarantee that you will receive an exact match to
your own car because this would involve matching not only the make
and model of your car, but also colours, optional extras and
modifications. This is not possible for us to accomplish, but we can
secure for you a car that is similar to your own.
The travel fund is for customers who are unable to drive due to
injury. The current motor insurance market offers very little
provision if you are not able to drive the courtesy or hire car that
is provide to you. The travel fund means that instead of receiving a
car, you will be entitled to claim receipts for public
transportation and taxis for up to £50 with a maximum of £500. As
with any claim costs you are responsible for making a concerted
effort to control those costs and keep them at a minimum.
You may not claim transportation that is given to you by friends.
Is you select the option of the travel find, you will not be
eligible for a hire car.
All policyholders whose car is not drivable due to an insured claim
are entitled to claim costs for transportation to their original
destination immediately after the accident. Claims of up to £50 for
public transportation or taxi costs may be submitted as part of the
claim and subsequently refunded.
Once you have purchased ECC, it can be used whenever a valid claim
is registered. There is not limit to the number of times that it may
be used within one year.
No. Disabled drivers do have access to suitable transportation
through an entitlement to hire a suitable car or use an alternate
form of transportation that is allowed through the travel allowance
benefit.
You will be required to pay an excess if you are involved in an
accident in a hire car that is provided to you under the enhanced
courtesy car feature. If you have a comprehensive policy, you will
be required to pay the current level of excess on your policy. For
Third Party Fire & Theft customers, you will be required to pay a
standard accidental damage excess of £250. The windscreen excess is
£75.
If you wish to purchase your policy online we are able to accept
payment via Visa, Access, MasterCard, American Express and Switch.
If you wish to pay for your premium by Direct Debit, you may pay in
one lump sum or in monthly instalments. If you opt to pay by Direct
Debit, you will be required to make an initial deposit using one of
our accepted credit cards. We do not accept Solo or Electron for
online payment, but if you select a direct debit lump sum, you can
enter the sort code and account number that is shown on your Solo
and Electron card. If you pay by card, the "card number" is the 16 -
21 digit number that is printed across the middle of your card.
Yes. You can safely pay for your policy via our website because we
use 128-bit encryption that disguises and protects your personal and
payment details as well as preventing them from being accessed by or
disclosed to third parties.
When you pay for your policy online, you are required to confirm
that you, as the policyholder, are also the account or credit card
holder. If you wish to use someone else's details, you will need to
contact our customer service department because we will need to
speak with the account or credit card holder in order to receive
their permission.
If you experience the unfortunate event of being involved in an
accident or your car is stolen, vandalized or damaged in any way,
you should call us to report a claim at 0870 160 25 39. Make sure
that you have the other driver's details such as the registration
number of the other car, make and model of the car and the driver's
name. We will provide you with the support that you need and direct
you to the nearest vehicle repair shop as well as walk you through
all the steps involved in making your claim. As a Yes Insurance
customer, you will always receive the highest quality of customer
service.
Yes. You will be required to pay a small excess if you have your
windscreen repaired. You are also required to pay an excess if you
have your windscreen replaced.
We will offer you the use of a courtesy for the duration of your
vehicle repairs if you meet to stipulations:
1. If your vehicle incurs damages resulting from a claim that is
covered by your policy
2. You use one of our recommended repairers to repair your vehicle.
If your vehicle is stolen and damaged beyond economical repair upon
recovery, or is not recovered, we are unable to provide a courtesy
car for you, but pledge to settle your claim as quickly as possible.
The insurers, editorials and
evaluations on this site are offered purely for information
purposes and do not in any way amount to advice about, or a
recommendation of, any product or provider. If you choose to
make use of the aforementioned insurers, we do not accept any
liability and we provide no assurances, guarantees or
representations, inferred or otherwise, for the substance or
precision of these intermediary sites or businesses. If you have
any uncertainties you should check with an authorised
independent financial expert for guidance in association with
your individual situation and particular requirements. A list of
advisers in your local area can be found at www.unbiased.co.uk.
