Frequently Asked Questions for insurance for InsureDaily

About Us

What are your opening hours?

Our website operates 24/7 throughout the year. The insurance products that we compare can only be purchased online, they cannot be purchased over the telephone.

You can reach our customer service team via live chat or via email at info@insuredaily.co.uk. Our opening hours are 9am to 5pm weekdays and 9am to 1pm on Saturdays, excluding bank holidays.

What should I do if I don’t want you to send me any marketing material?

If you've changed your mind about receiving the latest news and offers from InsureDaily, you can email info@insuredaily.co.uk to request to be taken off our marketing list.

Additionally, each of our mailshots contain an opt-out where you can remove your details from our mailing list.. 

Our full contact details can be found here.

Alterations

Is it possible to make any amendments to the policy after the insurance has started?

Unfortunately, due to the short term nature of the cover we provide, no amendments can be made to the policy after the insurance has started.

How can I add extra days to my policy?

We cannot accept any changes to the insurance contract once cover has started. 

You can, however, purchase a new short term policy one your cover ends.

Cancellation

How do I cancel my insurance policy?

You may cancel the policy at any time by calling our customer service team

You can reach our customer service team via our live chat or via email at info@insuredaily.co.uk. Our opening hours are 9am to 5pm weekdays and 9am to 1pm on Saturdays, excluding bank holidays.

Cancellation will be effective from the date and time we are notified.

Please note our refunds policy below, as outlined in our Terms of Business document.

 

Policies of less than one calendar month’s duration

You must make sure that your policy is suitable for your needs. Once you have purchased it you cannot make changes. If you wish to cancel your policy, you can; however, you will not receive a refund. Due to the short-term nature of 1-28 day policies, there is no cooling off period.

Policies of more than one calendar month’s duration

You must make sure that your policy is suitable for your needs. If a period of less than 14 days has elapsed since you received your policy documentation email, and you have not made a total loss claim, you have the right to cancel the policy and receive a refund of premium for the unexpired period of insurance. An administration charge which will be no less than £15 will also apply.

Card Payments

How can I pay for the insurance policy?

You can pay for your insurance policy using a credit or debit card.

Payments are processed by sagepay ® on our behalf who use their own secure server.

We only accept the following cards: VISA, VISA ELECTRON, MASTERCARD, MAESTRO

Claims

What should I do if I am involved in an accident?

All claims must be reported directly to your Insurer within 24 hours of the incident occurring, your insurers contact information can be found in your policy documents.

It is a condition of your insurance policy that all incidents are reported, even if you are not at fault or you decide you are not going to make a claim so they can protect your interest from any claim made against you.

 

Who do I call if I need to make a claim on my excess protection insurance policy?

If you have purchased motor excess protection insurance as an optional add-on extra, please refer to the policy wording issued to you.

You have 30 days from the date of the incident to notify insurers of a claim.

Who do I contact if I need to make a claim on my excess reduction insurance policy?

If you have purchased motor excess reduction insurance as an optional add-on extra, please refer to the policy wording issued to you.

You have 30 days from the date of the incident to notify insurers of a claim.

Complaints

What steps do I need to take if I wish to complain?

Our aim is to provide all of our clients with an excellent level of service. However, we recognise that there could be an occasion when you do not feel satisfied with the service you have received from us. We take complaints very seriously and with this in mind, we have developed a customer complaints procedure which lets you know how we will deal with your complaint or issue.

Should you need to make a complaint, please contact our Customer Services Manager using any of the following methods:

  • in writing: Customer Services Manager, InsureDaily, 28 Station Close, Potters Bar, EN6 1TL
  • email: info@insuredaily.co.uk

You have six months from the date of our final response to refer your complaints to the Financial Ombudsman Service. This does not affect your right to take legal action, however, the Financial Ombudsman Service will not adjudicate on any case where litigation has commenced.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Ombudsman Service (FOS) offers eligible complainants a free, independent service for resolving disputes. You may contact the FOS by:

  • Calling their consumer helpline on:
    • 0800 0 234 567 (free for people phoning from a "fixed line"), or
    • 0300 123 9 123 (free for mobile users who pay a monthly charge for calls to numbers starting 01 or 02)
  • Writing to them: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
  • Emailing: complaint.info@financial-ombudsman.org.uk

Further detailed information about the FOS, including a description of eligible complainants, can be found:

  • In our Client Complaint Procedure.
  • In the FOS’s leaflet ‘Your Complaint and the Ombudsman’ which we can provide you with, or it is available to download from the Financial Ombudsman Service website.
  • On the Financial Ombudsman website: https://www.financial-ombudsman.org.uk

Following the above complaints procedure will not affect your legal rights. Please provide your policy number on all correspondence.

We are also required to inform you that you can use the online European Online Dispute Resolution platform to provide details of your complaint, which we understand will then be forwarded to the Financial Ombudsman Service. However, this may be a slower route for handling your complaint than if you contact the Financial Ombudsman Service directly.

If you have a complaint against your insurer, please refer to the policy booklet for details of your insurer’s complaint procedure.

Document Delivery

Will I receive any paperwork through the post?

If you selected the postal option at the time of purchase, your insurance documents will be sent to the address you provided.

We will also send your documents via email immediately after purchase.

Driving Licences

Can you provide insurance cover for residents from outside the UK?

We can provide insurance cover to persons who have been continuously resident in the UK, EU, EEA or Switzerland for the past 12 months.

We are also able to provide insurance cover for visitors holding a driving licence from certain Commonwealth countries.
 

Do you insure drivers with a Commonwealth driving licence?

Yes, we do!

To get a quote select your licence type and a list of acceptable countries will appear in the drop-down.

You will need your passport to hand in order to purchase insurance cover.

How long do I need to have held a licence to get insurance cover?

If you hold a full licence then you will need to have passed your driving test for a minimum period of 6 months, and be in possession of a full UK, EU, EEA, Swiss or Commonwealth driving licence for the same period of time.

If you are a learner driver, then we are able to cover your provisional licence from as soon as you get it.

Foreign Use

Can I buy motor insurance to export a vehicle outside of the UK?

No, under the cover that our insurers provide all journeys must begin and end in the UK.

Impounded Vehicles

Can I purchase insurance to retrieve an impounded vehicle?

We are able to offer 30 days third party only cover, the minimum legal requirement to retrieve a vehicle from an impound, provided you meet our acceptance criteria.

 

Insurance Cover

Can I insure a car that doesn't belong to me?

Of course you can! 

However, we require that you have the owners permission to use the vehicle before purchasing a policy.

Can I insure a vehicle with only a chassis number?

Sorry, but without a UK registration number we cannot offer any cover.

MID (Motor Insurer's Database)

When will my vehicle appear on the MID listing?

After the purchase of your insurance, all vehicle insurance details are submitted to insurers the next working day. This information is passed to the MID and will usually appear the following working day.

Policies taken out for less than 7 days may have expired by the time the MID have updated their record systems; you should, therefore, carry your insurance certificate with you at all times.

Vehicle Usage

What can I use my vehicle for?

Safely Insured compares policies that provide cover for you to use your vehicle for social, domestic and pleasure purposes, commuting to and from a permanent place of work, and personal business use only.

Vehicles

Can I get a price if I don't know the registration number?

We have a full list of vehicles that can be selected without knowing the registration number and our panel of insurers are very happy to give you a quote on this basis.

However, once you have made the decision to purchase a policy we will need to know the registration number for the cover to be activated.

Do you insure left-hand drive vehicles?

Sadly, we do not insure this type of vehicle.

Do you insure Campervans, Caravanettes or Motorhomes?

Unfortunately we do not cover these vehicles.

 

Do you insure horse boxes?

Unfortunately, we cannot provide any insurance cover for these vehicles.

Do you insure mini-buses?

We do not provide any insurance cover for vehicles with more than 8 seats including the driver.

Do you insure lorries?

We can only offer cover on light commercial vehicles up to 3500kg GVW.

Do you insure modified vehicles?

Vehicles fitted with manufacturer specified optional extras, fitted at the time of manufacture are acceptable.

Vehicles modified to cater for a disabled driver or a disabled passenger are acceptable.

All other post manufacture modifications (cosmetic or performance related) are not acceptable.

Website Helpdesk

Can I get a quote if my postcode is not recognised?

Double check that you have the right postcode, if you have and it is still not recognised then you can contact us.

You can reach our customer service team via our live chat or via email at info@insuredaily.co.uk. Our opening hours are 9am to 5pm weekdays and 9am to 1pm on Saturdays, excluding bank holidays.

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