- My No Claims Bonus is being used on another car
- How can I pay?
- Cover whilst abroad
- Cover for Track Days
- What is an Agreed Value?
- Modifications
- How can I reduce the cost of insurance?
- What information will I need to accept a quote?
- What to do if you have a complaint
- What do I need to do to cancel my policy?
- Do I need to send proof of my No Claims Bonus?
- What does the Driving of Other Cars extension cover me for?
- What are the types of cover?
My No Claims Bonus is being used on another car
Some insurers will take this into consideration and allow an enhanced introductory discount.
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How can I pay?
You can pay in full by any of these cards:
Visa
Delta
Matercard
Switch
Solo
You can also take advantage of our credit plan by paying a deposit and spread the balance over 3, 6 or 9 months by a direct debit from your Bank Account. This subject to terms and conditions and credit checks may be required.
Unfortunately we are unable to accept cheques.
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Cover whilst abroad
Most insurers include a maximum period for use abroad at no extra charge, the maximum is normally 90 days per period of insurance. Please note that whilst you are abroad your Insurers provide a reduced level of cover and not all of the policy cover/benefits are included and that cover is not available for all Countries.
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Cover for Track Days
Some of our policies provide an extension allowing you to use your vehicle whilst taking part in a marshalled track day for non-competitive events
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What is an Agreed Value?
An Agreed Value is available on Classic, Collectable or Modified Vehicles. Depending on the vehicles condition the listed Market Value may not reflect the value that could then be reached if you were to sell the vehicle. If you have an Agreed Value and your vehicle is a Total Loss, then any offer will be based on the certified value rather than Market Value.
For all Agreed Value policies, you will be required to supply several photographs and receipts of parts and labour costs for the work that has been done on your vehicle. We will review this and if agreeable we will issue you with an agreed valuation certificate.
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Modifications
All alterations to your vehicle since it left the manufacturers production line is treated as a modification. We specialise in insuring vehicles that have been modified and most modifications are acceptable and many without any extra charge.
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How can I reduce the cost of insurance?
There are a number of discounts that could be available to you, they are:
- Your Annual Mileage
- Inclusion of a Voluntary Excess - this will be in addition to any other excess
- if you have Thatcham Alarm/Immobiliser or Tracking Device
- Restrict the driving to yourself or named drivers over 25
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What information will I need to accept a quote?
In order that we can process your application we will need the following:
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Your registration Number
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Your Payment Method including your bank Sort Code and Account Number
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Details of you Previous Insurer including their name and Policy Number
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Your current Mileage Reading
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What to do if you have a complaint
We are committed providing a quality service and achieving the highest standards of conduct. One of the ways in which we can improve our service is by listening to the views of our customers. If you wish to register a complaint, please contact us in writing to:
Complaints Officer
HIC
2 The Causeway
Bishops Stortford
Hertfordshire
CM23 2EJ
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
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What do I need to do to cancel my policy?
Please call us first so that we can provide you with an estimated cancellation refund. Some policies do not allow any refund upon cancellation. Normally it is more cost effective to keep your policy running. If wish to cancel you policy, your Insurer will only cancel the policy from the date they received the return of your instructions and your Policy Documents including the Certificate of Motor Insurance. Please accompany these with a covering letter providing your reason for cancellation.
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Do I need to send proof of my No Claims Bonus?
If you have stated that you are using your No Claims Bonus then you will need to send us proof of this from your previous insurer immediately.
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What does the Driving of Other Cars extension cover me for?
This is not automatically included and you will need to check your Certificate of Motor Insurance to see if this extension has been provided. This extension of cover provides you with only limited cover and is provided by the Insurer for emergency purposes only. This extension of cover provides you with Third Party Only cover to drive another car that is not owned, or, registered to you, or on loan to you, or on hire to you. Also this extension only applies to the Policy Holder and not to any of the named drivers.
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What are the different types of cover?
| Type |
Fully Comprehensive |
Third part Fire & Theft |
Third Party |
| Damage to your car caused in a accident |
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| Loss or damage of your car caused by vandalism |
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| Repair or replacement of broken glass in your car |
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| Loss or damage to your car caused by fire |
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| Loss or damage to your car caused by theft or attempted theft |
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| Damage to other vehichles belonging to other people |
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| Damage to property belonging to other people |
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| Injury to other people |
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In addition to Fire & Theft cover is availible for vehicles that are not used on public highways and Fire & Theft cover is provided for vehicles locked in a secure garage
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