FAQS

Choosing the right insurance policy is always crucial, both in terms of getting the right cover and understanding the cover you have.
Browse through our FAQ sections to answer any questions you may have.

Have more questions? Call us on 01227 285540

 

General Questions

We have been continuously providing insurance to the commercial motor trade for a long time. We have built a long term relationship with a very strong panel of insurers which allows us to offer our clients, competitive, low cost policies which are more flexible than a lot of our competitors.
We save our customers money by providing them with more suitable policies rather than adopting a “one size fits all” approach.
In this way, you only pay for cover you need, rather than paying for cover you don’t need.


Our advisors are all experts in their types of insurance and deal with each enquiry on an individual basis. Once we know your business’s individual requirements, we will find a policy that matches those requirements to give you the best quote we can.

New customers

If it’s a quote that you require, Call us on 01227 285 540 and select option 1 or;
Fill out the quote form on the relevant product page.


Existing customers

Call us on 01227 285 540 or;
E-mail us at admin@quotemetoday.co.uk or;
Fill out the form on our Contact Us page.


Renewing customers

Call us on 01227 285 540, and select option 4 or;
E-mail us at renewals@quotemetoday.co.uk or;
Fill out the form on our Contact Us page.


Making a claim

We have a 24 hour claims management service available on 01227 285 540 and select option 2.

More Specific Questions?

We have an FAQs section for more specific areas. If you have a question about a more specific subject, please select from the options below.

General FAQs

Here are a few handy hints about making a claim.
What do I do if I’m involved in an accident and how do I make a claim?

Please call us on 01227 285 540 and select option 2
Our claims line is open 24 hours a day, 7 days a week. We’ll talk you through your claim details and the next steps to take.
It will help us process your claim if you can have the following information to hand:

  • Date, time and location of the incident
  • Names and addresses of parties involved and their vehicle registration number(s), if known/applicable
  • Contact details of any eye witnesses, in case further information is required
  • Details of how the incident occurred and photographic evidence of the scene, if possible, in case there is a dispute over fault or the extent of the claim; any damage to vehicles, skid mark etc.

Important points to remember for motor claims:

  • Do not admit that you are responsible or make any offer or promise of payment without written permission from your insurer.
  • Send your insurer written details as soon as possible after any accident, injury, loss or damage, including any correspondence received from a third party
  • Send your insurer any letter or other communication as soon as you receive it from anyone else involved and only answer it after consulting your insurer.
  • Immediately tell your insurer about any prosecution, coroner’s inquest or fatal accident inquiry involving any person covered by this insurance
  • Give your insurer all the information and help they need to ensure your claim is dealt with as quickly as possible.

You can find more details on our claims page.

Commonly asked questions for renewing customers:

When will I receive my renewal quote?
Your renewal invitation, including your quote for next year, will usually be sent to you 21 days before your renewal date. If we are not able to send you a price at this time, as your insurer requires additional information, we will call you. If we are unable to contact you we will send you a letter asking you to give us a call at your earliest convenience.

How do I renew my policy?
Please call our specialist renewals team on 01227 285 540, selecting option 4.

Why has my insurance gone up?

We will always actively seek to get you a better price on your insurance when it comes to renewal but sometimes there are changing factors which mean your insurance may go up.

Insurers regularly review the rates they charge customers, reflecting the most up to date information they have. Prices can go up or down for a number of reasons including:

  • Changes in their view of the risk of a particular industry or class of business.
  • Changes in their view about the post code in which you live or operate.
  • Their claims experience in general, including the frequency, cost of claims settlement and level of inflation.
  • Has an introductory discount dropped off?

Have you made a claim, changed your personal details or levels of cover during the year?

Does my policy automatically renew?
Your policy will not automatically renew, even when you paid for your cover last year by Direct Debit. We think it is important that our customers take a considered view of their cover each year, so rather than renewing your policy automatically each year we ask that you simply call us on 01227 285 540, selecting option 4, to renew so that we can take the opportunity to ensure that all your details are still correct. This will only take a few minutes and will give you the peace of mind that you have the level of cover you need. We’ll notify you before your renewal is due so we can start searching to make sure you are still getting the best deal possible.

 

I’m not happy with the service provided by Quote Me Today, how do I make a complaint?

We take pride in the service we provide and will take any concerns you have seriously. In the unlikely event you are dissatisfied with our service please call us on 01227 285 540 and speak to one of our trained advisers who will do their best to resolve your concerns. If the matter is not resolved they will put you through to one of our Managers.

Alternatively, you can send an email to complaints@quotemetoday.co.uk

If your concerns are not satisfactorily resolved, please write to:

Compliance Officer
QuoteMeToday.co.uk
Office 2A, First Floor
3 Jubilee Way
Whitstable Road
Faversham
Kent
ME13 8GD

Once we have received your complaint, we will acknowledge its receipt within five business days. Some complaints can be resolved easily, within a few days, but others are more complicated and require extensive investigation to ensure that whatever we propose is fair and consistent. Your complaint will be handled by an experienced member of staff who has not been previously involved in the subject matter of your complaint, thus ensuring impartiality.
In line with the guidelines set out by the FCA, we will strive to resolve your complaint at the earliest possible stage. You will receive our final response within eight weeks, outlining the investigation we have carried out, and details of how we propose to resolve your complaint.
In the event that you are dissatisfied with the final response we provide, you may refer your complaint to the Financial Ombudsman Service.
You should always give us the opportunity to resolve any complaint you wish to make about our service before you approach the Ombudsman. The Financial Ombudsman Service will only consider your complaint if you have already given us the opportunity to resolve the matter.
The address for the Financial Ombudsman Service is
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
Alternatively you can register your complaint here http://ec.europa.eu/odr

Your Certificate of Insurance will be posted once all the necessary steps have been completed. These may include:

  • Receipt from you of copies of driving licences for all named drivers (front and back of the paper docket and the card)
  • Receipt and verification of your proof of No Claims Bonus
  • Receipt and verification of proof of your Motor Trade activity
  • Either full payment of your policy or confirmation that the 1st Direct Debit has been collected successfully if you have chosen to pay in instalments, which is confirmed to us 8 days after your Direct Debit is taken.
Your Motor Insurance Certificate is a legal document and must be kept in a safe place. If you have mislaid it, it is important that you get a duplicate as soon as possible as you may be required to produce this if you are stopped by the police or when you are taxing a vehicle.
If you require a duplicate Certificate of Insurance email admin@quotemetoday.co.uk or call us on 01227 285 540.
There will be a charge of £25 and you will need to sign a declaration form to confirm you have lost your old one.
  • To amend your personal details on your policy simply call 01227 285 540, selecting option 1, and one of our specialist advisors will be happy to help you.
  • It is important that you update any details as soon as your circumstances have changed as failure to ensure we have accurate details on our system could invalidate your policy
To amend your personal details on your policy simply call 01227 285 540, selecting option 1, and one of our specialist advisors will be happy to help you.
  • Each of our insurers have their own process for including a new vehicle on your policy and updating the Motor Insurance Database (MID). They will only accept updates via their own method. Some require you to call or email them direct and some require you to log onto their website and add/remove your own vehicles.
  • Your policy documents will contain details of your insurer and their process. For most of our customers this can be found on page 4.
  • If you know your insurer these details can also be found on our Motor Insurance Database update page.
  • Continuous Insurance Enforcement (CIE) was brought in during 2011 to enforce the existing laws which make it a legal offence to keep a vehicle without insurance, unless you have notified DVLA that your vehicle is being kept off the road by means of a Statutory Off Road Notice (SORN). The aim is to reduce uninsured drivers.
  • The DVLA are working with the Motor Insurance Bureau to identify uninsured vehicles. If a vehicle appears to be uninsured the registered keeper will be sent an Insurance Advisory Letter (IAL) telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action. If the keeper fails to comply with the advice set out in the letter they will face:
    • Fixed penalty notice of £100
    • Their vehicle being clamped, seized and disposed of
    • A court prosecution with a maximum fine of £1,000

You don’t have to be driving to be caught and these measures are in addition to the powers of the police who can seize an uninsured vehicle and fine the driver.

Motor Insurance Database (MID) FAQs

  • MID is a national database that is used by the police to check whether a vehicle is insured. It is your responsibility to keep your details up to date on the MID. If they are not you could be asked to produce your insurance documents. You may also receive a warning letter in the post, followed by a fixed penalty fine if the details are not updated or ultimately the vehicle being seized.
  • It is also important that you update MID when you have sold a vehicle to ensure any incidents the vehicle is involved in post sale are not logged against your name.

You can find more details of how to update your details at our MID update page.

The compulsory details are:

  • Registration number for every vehicle on a single policy
  • The start and end date of the insurance policy for each vehicle

They prefer you to also include the following:

  • Make and model of the vehicle
  • Engine size and break horse power
  • Weight of vehicle
  • Value of vehicle

You can find more details of how to update your details at our MID update page.

Each of our insurers have their own process for updating the MID and will only accept updates via their own method. Some require you to call or email them direct and some require you to log onto their website and add/remove your own vehicles.
Your policy documents will contain details of your insurer and their process. For most of our customers this can be found on page 4.
If you know your insurer these details can also be found on our Motor Insurance Database update page.
As soon as you have made the amendment your vehicle will be covered but it will often take up to 7 days for your amendments to appear on the database.
Normally your insurance cover gives you up to 14 days to notify of any vehicles that you are currently using on the roads. We recommend that you carry proof of your valid motor trade insurance policy within in your vehicle at all times, and certainly until the vehicle has been added to the MID. However, even though you are given a 14 day window, to notify the MID, the Police can legally confiscate your vehicle should they consider it necessary so it is important that you register your vehicle as soon as possible. Equally when you have sold a vehicle please remove it from your MID record as you could get a £5,000 if you do not abide by the rules and you do not want to take the risk of picking up any driving offences or parking fines incurred by the new owner.
On the MID you should register all vehicles which are insured by your motor trade policy and all trade plates which are registered to your business or yourself. You should also register the following;

  • All taxed stock vehicles (if held for longer than a 14 day period)
  • All vehicles which are covered by contingency insurance
  • All vehicles owned and registered by you and/or leased by you
  • Any other vehicles which are in use that is covered by your motor trade policy

The MIIC’s (Motor Insurer’s Information Centre) preferred approach is for you to register every vehicle, including any untaxed stock vehicles. Although this is not a legal requirement.

You can check whether your vehicle is registered on the MID at www.askmid.com
You do not legally need to include any vehicles that are registered as SORN on your MID record, but it is best practice to update MID with all the vehicles you own.
  • Continuous Insurance Enforcement (CIE) was brought in during 2011 to enforce the existing laws which make it a legal offence to keep a vehicle without insurance, unless you have notified DVLA that your vehicle is being kept off the road by means of a Statutory Off Road Notice (SORN). The aim is to reduce uninsured drivers.
  • The DVLA are working with the Motor Insurance Bureau to identify uninsured vehicles. If a vehicle appears to be uninsured the registered keeper will be sent an Insurance Advisory Letter (IAL) telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action. If the keeper fails to comply with the advice set out in the letter they will face:
    • Fixed penalty notice of £100
    • Their vehicle being clamped, seized and disposed of
    • A court prosecution with a maximum fine of £1,000

You don’t have to be driving to be caught and these measures are in addition to the powers of the police who can seize an uninsured vehicle and fine the driver.

Payment FAQs

We offer a number of options to give you the flexibility you need:

  • You can pay your full annual premium by credit or debit card. A £2 card charge will apply.
  • You can pay for 50% of your policy now and 50% in a months time. A £20 admin fee will apply.
  • To give you flexibility and help you budget for your business, we offer the ability to pay in instalments. If you would like to spread the payments we would usually ask for a 25% deposit including a £25 set up fee, followed by 10 equal monthly instalments. This credit agreement will usually have interest attached to it, which will depend on the amount of deposit paid.
    • If you pay by Direct Debit you will receive a separate letter from Creation Consumer Finance Limited confirming the timings and amounts of your payments.
Yes. For us to enable you to do this we will need confirmation from the card holder that they are happy for this. We can usually gain this over the phone.
If you think your Direct Debit may get rejected or it actually has, please call us at your earliest convenience on 01227 285 540, selecting option 5.
A £20 administration fee will be chargeable per rejected payment.
You will be given 7 days to set up a new Direct Debit. If we do not receive your full payment within 7 days your policy will be cancelled and the deposit will be retained to cover fees incurred.
  • It is your responsibility to ensure funds are available on the date indicated on your Credit Agreement. If a Direct Debit payment is rejected Creation.co.uk will contact you to advise you of this and will ask for the arrears to be paid by credit or debit card, either over the phone or on their website, www.creation.co.uk
  • If payment of any arrears are not received in the time advised Creation will instruct us to cancel your insurance policy.
Yes, once your first payment has cleared you can change the dates of your 10 monthly instalments to suite your personal circumstances. Please call us on 01227 285 540, selecting option 5. We need 10 days notice in order to update your Direct Debit details before your next payment is taken and a £10 administration fee will be charged.
Please call us on 01227 285 540, selecting option 5. We need 10 days notice in order to update your Direct Debit details before your next payment is taken. A £10 administration fee will be charged.