Frequently asked questions

We offer a wide range of personal and business insurance, including motorhome, campervan, touring caravan, van, car, travel, taxi, minibus, fleet, motor trade, public liability, and landlord insurance — all in one place.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.

Because we compare prices across a panel of leading UK insurers — including Admiral, Zurich, AXA, Aviva, LV and more — we get multiple quotes in one go, which often means a better deal.

Most customers get a full quote in under 5 minutes. You can buy your policy online instantly, or speak to our UK-based team if you'd prefer.

Yes — and we'll guide you through it. Just be aware that your current provider may charge a cancellation fee. If you're more than 6 months into your policy, switching could also affect your No Claims Bonus. We’ll check this for you so you can easily see your options.

We're a broker, which means we arrange cover on your behalf with a handpicked panel of trusted insurers. You'll see exactly who's underwriting your policy before you commit to buying.

Call our dedicated claims line on 03452226319 and we'll guide you through the process. If you've been in an accident, exchange details with the other party, note their registration number, and call us as soon as you can.

We understand that managing payments isn't always straightforward. If you've missed a payment or need to change your payment date, get in touch with our UK-based team and we'll find a solution that works for you.

Yes — our secure online portal lets you access your policy details, make changes to your cover, update your personal information, and more, whenever it suits you.

Yes — it's a legal requirement to have at least third-party insurance on your campervan unless it's declared SORN and off the road. In practice, specialist comprehensive campervan cover is strongly recommended, as a standard car or van policy won't cover the specific risks that come with campervan ownership.

Whilst both are essentially motor insurance, campervan insurance provides specific elements of cover tailored for campervan owners — such as awnings, personal belongings, and gas explosion cover — that a standard car policy simply won't include.

Technically, most campervans under 3,500kg can be driven on a standard car licence, and some car policies may provide basic cover. However, we'd never recommend it — your campervan has been modified for a specific purpose and needs specialist cover to protect everything from the conversion and contents to awnings and gas equipment. A standard car policy simply won't cover these risks.

This depends on when you passed your driving test, but you should be able to drive a motorhome or campervan without taking any special driving tests. If you passed your test before 1997 and your licence shows a Category B entitlement, you’re good to drive any motorhome up to 8.250kg in weight. If you passed your test in 1997 or later and your licence shows a Category B entitlement, you can drive a motorhome up to 3,500kg in weight. For large motorhomes, your licence would need to show Category C, Category CE, Category C1 or Category C1E. If you're 70 or over, you'll need to renew your driving licence every three years. It's a straightforward process but worth keeping on top of — driving with an expired licence could invalidate your insurance. You can check your entitlements and renew your licence on the Government website.

Yes. All of our policies allow you to drive in EU countries for at least 30 days a year; with some policies extending to up to 180 days a year. If you're planning to travel abroad, you must tell us before you leave the UK — you can do that online, or call us on 0345 222 6318. We'll confirm the level of cover that applies to the countries you're visiting.

If you travel abroad more frequently, for longer periods of time or travel outside of EU countries, we can tailor your policy to provide extended foreign use cover.

We actively encourage campervan owners to install approved security devices and offer generous discounts to those who do. It isn't compulsory for most vehicles, but if your campervan is of particularly high value or isn't stored in a secure location, your insurer may require it. If you have a tracker fitted, make sure your subscription is kept active — a lapse could affect any claim.

Most of our policies include cover for personal effects and belongings kept inside your campervan, up to a set limit. High-value items may have individual limits or exclusions — check your policy documents or speak to our team for full details.

You must tell us about any modifications to your campervan. Depending on what's been changed, it may affect your premium or the level of cover available. Always let us know before carrying out significant work — not disclosing modifications could invalidate your policy.

Of course — provided it's registered as a motor caravan with the DVLA, we can arrange cover. If your vehicle doesn't currently meet DVLA's requirements to be reclassified, take a look at our motorhome and campervan conversions guide for more information, or give our team a call. For more information, or give our team a call on 0345 222 6318.

Breakdown cover isn't included as standard but you can add RAC breakdown cover — including European cover — to your policy for just £98.99 a year. We'd strongly recommend it, as campervan breakdowns can be complex and costly, particularly if you're abroad. You can add this when getting your quote, or contact our team on 0345 222 6318 to add it to an existing policy.

Yes — it's illegal to drive without at least third-party car insurance in the UK. You can face an on-the-spot fine of £300 and six penalty points, and if taken to court you could receive an unlimited fine or driving ban. The only exception is if your car is declared SORN and kept off public roads.

There are three levels of cover. Third-party is the legal minimum and covers damage or injury you cause to others, but not your own car. Third-party, fire and theft adds protection if your car is stolen or damaged by fire. Comprehensive is the highest level of cover and also protects your own vehicle — and is often not much more expensive than the other options, so it's worth comparing all three when getting a quote.

Sometimes referred to as a no-claims discount, a no-claims bonus is a reward given to drivers who haven’t made a claim on their motor insurance policy during a 12-month period. Each claim-free year increases this discount, usually up to 70% after 6 consecutive years.

No. Your no-claims bonus can be transferred from one vehicle to another but, if you have another car, you’ll need to earn your discount on this vehicle by staying claim-free.

Your excess is the amount you agree to contribute towards any claim. There are two types — a compulsory excess set by your insurer, and a voluntary excess you choose yourself. Increasing your voluntary excess will usually reduce your premium, but make sure you can afford to pay it if you need to make a claim. Your total excess is the two figures combined.

If you only commute to a single place of work, social and commuting cover is sufficient. If you travel to different locations for work — visiting clients, attending meetings, or making deliveries — you'll need to add business use to your policy. Not declaring business use when you need it could invalidate a claim.

Yes. Provided the other drivers meet our acceptance criteria, you can usually add up to four named drivers. However, if you have a lot of additional drivers and they’re all aged over 25, you will probably need cover for any driver.

Bear in mind that the main driver must be the person who uses the car most — listing someone else as the main driver to reduce the premium is known as fronting and is a form of insurance fraud.

Not usually. Some comprehensive policies include driving other cars (DOC) cover, but this typically only provides third-party protection and comes with conditions — such as having the owner's permission. Always check your policy documents before driving another vehicle, as driving without valid cover is illegal.

Not as standard, but we can arrange cover for this if you tell us before you intend to use your car for deliveries.

Yes — it's important to keep us updated if anything changes, such as your address, job, annual mileage, or where your car is kept overnight. Even small changes can affect your cover or premium. You can update your details anytime through your online account or by calling our team.

Your policy could be invalidated if you provide inaccurate information — such as your address, job title, mileage, or where the car is kept overnight. Other common causes include not declaring modifications, letting an unlisted driver use the car, or driving with an expired MOT. Always keep your details up to date to make sure you're fully covered.

Yes, you can cancel at any time. If you cancel within the first 14 days you'll usually only be charged for the days covered, though an admin fee may apply. After 14 days you'll typically receive a pro-rata refund for the unused portion of your policy, minus any cancellation fee. Add-ons like breakdown cover are often non-refundable once started.

The choice is yours. We prefer to renew policies automatically so that you don’t risk driving without insurance cover, but you can opt out of this at any time.

Yes — we offer monthly payment options so you can spread the cost of your car insurance rather than paying annually upfront. Monthly payments are arranged through a finance agreement, so a credit check may be required. Speak to our UK-based team on 0345 222 6318 to discuss your options.

As soon as you book your trip. Most policies include cancellation cover from the moment you buy, meaning you're protected if something unexpected happens before you travel — such as illness, injury, or bereavement. Waiting until closer to departure means you won't be covered for pre-departure cancellations, and some policies may also cost more the later you buy.

No — we don't impose an upper age limit on our travel insurance policies. We believe everybody should have access to affordable cover, regardless of age. Premiums may be higher for older travellers as insurers factor in additional risk, but we'll always work to find the most competitive option available.

We cover a wide range of pre-existing medical conditions, including serious conditions, provided they're declared when you apply. For single-trip policies we'll consider all conditions with a high degree of severity. On annual multi-trip and cruise cover, we'll cover most pre-existing conditions. We'll even consider undiagnosed conditions that are under investigation. It's vital to declare everything accurately — undisclosed conditions could invalidate a claim.

For specific condition guidance, see our blog for information on travel insurance with a heart condition and declaring anxiety on travel insurance.

Yes — provided you declare the condition and answer all medical screening questions honestly, mental health conditions are treated the same as physical conditions. We believe everyone should have access to travel insurance, and we'll do our best to find cover that works for you.

A single trip policy covers one specific journey from departure to return, making it ideal if you only travel once or twice a year. An annual multi-trip policy covers unlimited trips within a 12-month period, with each trip covered for up to 93 days — and often works out cheaper than buying separate policies for each holiday. As a general rule, if you're planning three or more trips in a year, an annual policy is likely to be the better value option. Not sure which is right for you? Our team is happy to help on 0345 222 6318.

You can travel as many times as you like – there’s no limit on the number of trips you can make.

All of our multi-trip policies cover trips of up to 93 days per trip. If you're planning a longer trip than this, a single-trip policy may be more appropriate — speak to our team and we'll advise on the best option.

Yes — our cruise cover is specifically designed for the unique risks of cruising, including missed port departures, cabin confinement due to illness, unused excursions, and medical care at sea. Standard travel insurance often doesn't fully cover these, so it's worth making sure you have the right policy in place before you set sail.

Winter sports and many adventure activities aren't included in a standard policy but can be added as an optional extra. If you're planning to ski, snowboard, or take part in other higher-risk activities, make sure you add the relevant cover when getting your quote — otherwise you won't be protected if something goes wrong on the slopes.

It depends on the reason. Missed flights caused by public transport delays, road accidents, or sudden illness may be covered. However, if you missed your flight due to oversleeping, arriving late, or not allowing enough time for security, you won't be able to claim. Always keep documentation of any delay or incident to support a claim.

There are some situations that aren't covered as standard, including: cancelling your trip because you've changed your mind, travelling against FCDO advice, undeclared pre-existing medical conditions, incidents caused by alcohol or drug use, unattended belongings that are stolen, and extreme sports without the relevant add-on. Always read your policy wording carefully so you know exactly what's included.

No — if the Foreign, Commonwealth & Development Office (FCDO) advises against travel to your destination and you travel anyway, your policy will not be valid. Always check the latest FCDO travel advice before you depart. You can find up-to-date guidance at gov.uk/foreign-travel-advice.

A minibus is a vehicle with between 9 and 17 passenger seats, classified as M2 in your V5 logbook. Because it sits between a car and a van, neither a standard car policy nor a van policy will provide adequate cover. Anyone operating a minibus — whether commercially, for a charity, school, or community group — needs specialist minibus insurance.

Yes — if you use a minibus to carry passengers, you're legally required to have at least third-party insurance in place. This applies whether you're operating commercially or as a non-profit organisation. Driving without appropriate cover is illegal and could result in fines, penalty points, and the vehicle being seized.

We can arrange cover for a wide range of uses including private hire, public hire, school transport, community and charity use, airport transfers, and social trips. If you're unsure whether your specific use is covered, give our team a call on 0345 222 6318 and we'll advise you.

It depends on how you're using it. If you're a volunteer driver aged 21 or over, have held your licence for at least two years, and are driving for non-commercial purposes for a non-profit body, you may be able to drive a minibus up to 3.5 tonnes on a standard Category B licence. For commercial use, or if you receive payment beyond covering your costs, you'll need a D1 entitlement on your licence. You can check your licence entitlements on the Government website.

Private hire minibus insurance covers pre-booked journeys only — passengers can't hail you on the street. Public hire cover allows you to pick up passengers immediately, including at ranks or on the street, and also covers private hire journeys. If you're unsure which you need, our team can advise based on how you operate.

Yes — we arrange minibus insurance for charities, community organisations, scout groups, schools, and churches. Cover can include any driver options, European extension, and no claims bonus protection. Call our team on 0345 222 6318 to discuss the options available for your organisation.

Yes — most minibus policies offer an any driver option, which gives maximum flexibility for organisations where multiple people share driving duties. Restricting cover to named drivers, or setting an age limit of 25 or 30 and over, can help reduce your premium if flexibility isn't essential.

Your minibus insurance covers your legal liability to passengers — meaning if a passenger is injured in an accident and you're found liable, the policy will cover compensation and legal costs. For commercial operators, passenger liability is a core part of the cover. Speak to our team to make sure your policy includes the right level of protection for your passengers.

Yes — we can arrange cover for adapted and wheelchair accessible minibuses. These vehicles often have a higher value and specialist equipment, which can affect the premium, but our panel of insurers has experience covering them. Call us on 0345 222 6318 to discuss your requirements.

If you operate two or more minibuses, a fleet policy may be more cost-effective than insuring each vehicle separately. Visit our fleet insurance page for more details, or give our team a call and we'll advise on the best approach.

Motor trade insurance is a specialist policy for anyone who works with vehicles for profit — whether you're buying and selling cars, repairing, valeting, recovering, or testing vehicles. If you carry out any motor trade activity, even part-time, you're legally required to have at least third-party road risks cover. Standard personal car insurance won't cover you for business use.

Road risks insurance covers you to drive vehicles on public roads as part of your motor trade activities — whether they're your own vehicles or customers'. Combined motor trade insurance goes further, adding protection for your premises, tools, equipment, stock, public liability, and employers' liability. If you work from premises or have employees, a combined policy is usually the better choice.

Yes — we arrange motor trade insurance for part-time traders as well as full-time businesses. You'll still need to demonstrate that you're running a genuine motor trade operation, even if it's on a small scale. Visit our part-time motor trade insurance page for more details.

Insurers require evidence that you run a genuine motor trade business. This can include invoices or receipts from vehicles bought or sold, online or print advertisements, tax records, or business bank account details. The more evidence you have, the smoother the process. Our team can guide you through what's needed when you get in touch.

Trade plate cover isn't automatic — your policy must specifically include it. If you use trade plates, make sure you declare this when getting your quote so we can ensure you're properly covered. Trade plates must be DVLA-issued and used only for legitimate motor trade purposes.

This depends on your insurer and the specific policy. Some motor trade policies will extend to cover your own personal vehicle, but there are usually restrictions — particularly for high-value, high-performance, or luxury vehicles. Let us know when getting your quote and we'll check what's possible.

The Motor Insurance Database (MID) is a central register of all insured vehicles in the UK, maintained by the Motor Insurers' Bureau (MIB). Any vehicle not declared SORN must be registered on it. Police use the MID to check whether vehicles on the road are legally insured, so keeping it accurate is essential.

Any vehicle registered to, owned by, or leased to you must be added to the MID. This also includes vehicles regularly covered by your policy — such as employees' vehicles — and any trade plates you own.

It isn't usually necessary to include stock vehicles or customers' vehicles on the MID, particularly if they're already separately insured. If you're unsure, our team can advise you.

No — if you need cover for a particular vehicle, it must be added to the MID immediately. Driving a vehicle that isn't on the MID could result in a police stop, a fine, and even the vehicle being impounded.

Our dedicated team handles all MID updates for you. Just get in touch by email or phone and we'll take care of the changes and confirm when they've been made.

Landlord insurance isn't a legal requirement in the UK, but it's strongly advisable — and in many cases your mortgage lender will require it as a condition of your buy-to-let mortgage. Standard home insurance won't cover the specific risks of renting out a property, so without it you could be left significantly out of pocket if something goes wrong.

Home insurance is designed for properties you live in yourself. Landlord insurance is specifically designed for properties you rent out to tenants, covering additional risks such as malicious damage by tenants, loss of rental income, and property owners' liability. Using a standard home insurance policy on a rental property could invalidate any claim you make.

Yes — whether you own a single property or a large portfolio, we can arrange comprehensive cover for all of them under one policy with a single renewal date. This simplifies your administration and can be more cost-effective than insuring each property separately.

The cost depends on the level of cover you choose, your property type, location, and tenants. Policies start from £14 a month for basic buildings and liability cover — most landlords pay more depending on their specific needs. The best way to find out is to request a quick quote online, which takes less than two minutes.

The cover available depends on how long the property will be empty and whether you're undertaking refurbishment works. Short-term vacancies between tenancies are typically covered as standard, while longer-term unoccupied properties may need a specialist policy. We also offer dedicated unoccupied property insurance if needed.

Yes — we can include rent guarantee cover or tenant default cover as an optional extra. The two are often confused but work differently: tenant default cover pays you rent owed if you begin eviction proceedings, while rent guarantee cover is broader and can include periods of vacancy. Our team can explain which is right for your situation.

A standard landlord policy covers against the main perils such as fire, flood, and storm damage. Accidental damage cover extends this to include spillages, breakages, or unintentional damage caused by you, a tenant, or a visitor — such as a carpet ruined by a spilled drink or a broken window. It's well worth adding, particularly for furnished properties.

Property owners' liability insurance protects you if a tenant or visitor is injured at your property and holds you responsible. Legal fees and compensation costs in these cases can be substantial — so this cover is included as standard in most of our landlord policies.

Yes — if your tenant changes, or if their employment status changes, you should let us know. Some insurers assess risk based on tenant type, and failing to notify us of a change could affect your cover or cause delays if you need to make a claim.

Yes — we'd always recommend making sure the name on your insurance policy matches the landlord's name on the tenancy agreement. Mismatches — for example if the policy is in a personal name but the tenancy is under a company name — can cause delays when making a claim. If you're unsure, speak to our team before taking out your policy.