Frequently Asked Questions
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When you pay for and start a new Insurance Contract on a motor policy, a temporary certificate of insurance, or covernote is issued. Once all the necessary paperwork has been returned by you within 21 days of inception, the full annual certificate will be issued.
Your proposal form should show all of the information that was you provided to us either over the phone or from your on line application. It will resemble a job application form. It should be checked thoroughly, and you should amend any errors or omissions.
If there are any blank boxes, these should be completed. If you are unsure of any areas on the form or wish give any more information, you can attach an explanation to the form on a standard piece of paper. Please sign and date this as well.
Ensure that the form is signed and dated in every applicable place, as the forms often require more than one signature. This is highlighted in yellow for your ease.
When we receive the form, we will let you know if any amendment will affect your policy.
If there are any blank boxes, these should be completed. If you are unsure of any areas on the form or wish give any more information, you can attach an explanation to the form on a standard piece of paper. Please sign and date this as well.
Ensure that the form is signed and dated in every applicable place, as the forms often require more than one signature. This is highlighted in yellow for your ease.
When we receive the form, we will let you know if any amendment will affect your policy.
This gives a discount dependent on the number of years you have earned a bonus for no claims or losses. No Claims Bonus (known as NCB or NCD for No Claims Discount) can only be used on one policy at the same time so ensure that your previous policy is either cancelled, or you have requested that the No Claims Bonus has been removed from the policy.
In either case your Insurers should provide you with some proof as to your no claims entitlement, for example a renewal notice or a cancellation schedule. As long as they show your entitlement you can forward these onto us as your proof of No Claims Bonus.
Alternatively, complete the form provided and we will attempt to contact your previous Insurers for the No Claims Bonus proof for you. This is known as "Verbal No Claims Bonus".
If your quote was based on you having No Claims Bonus on your first vehicle please either provide written proof from your Insurers, or complete a form enclosed in your new business pack. It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.
If there has been a gap in cover, i.e. any period over a couple of days between your old policy cancelling or lapsing at renewal, we will ask for a reason why there was a gap in cover. This is to put underwriters minds at ease that there may not be a period where by you were not insured or indeed made a claim and not disclosed. So all that is needed here is a signed and dated letter for the reason for the gap between the dates, such as the vehicle was off the road or you did not need a policy for a reason given in your reply.
In either case your Insurers should provide you with some proof as to your no claims entitlement, for example a renewal notice or a cancellation schedule. As long as they show your entitlement you can forward these onto us as your proof of No Claims Bonus.
Alternatively, complete the form provided and we will attempt to contact your previous Insurers for the No Claims Bonus proof for you. This is known as "Verbal No Claims Bonus".
If your quote was based on you having No Claims Bonus on your first vehicle please either provide written proof from your Insurers, or complete a form enclosed in your new business pack. It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.
If there has been a gap in cover, i.e. any period over a couple of days between your old policy cancelling or lapsing at renewal, we will ask for a reason why there was a gap in cover. This is to put underwriters minds at ease that there may not be a period where by you were not insured or indeed made a claim and not disclosed. So all that is needed here is a signed and dated letter for the reason for the gap between the dates, such as the vehicle was off the road or you did not need a policy for a reason given in your reply.
If your policy requires a certain level of security you would have been told this at the time of the quotation. A lot of vehicles have security fitted as standard; so if this is the case, tick the box on the form that states this. All you then need to do is sign and date the form.
If your security is not standard to the vehicle, we would need you to complete the make and model of the security device. If you have a certificate of fitment, you could also send a copy of this in for our records.
A Thatcham approved device may be needed - if you are not sure if your device is, you can contact us and we will be able to tell you.
If your security is not standard to the vehicle, we would need you to complete the make and model of the security device. If you have a certificate of fitment, you could also send a copy of this in for our records.
A Thatcham approved device may be needed - if you are not sure if your device is, you can contact us and we will be able to tell you.
- Thatcham Category 2 device is an immobilising system;
- Thatcham Category 1 device is an immobilising system with a linked alarm.
If we have asked you for this, a discount (usually 15%) would have been allowed on your policy because you are a member of an owners club. This is as underwriters see being a member of a club as an enthusiast, so you will therefore look after the vehicle to a higher degree.
If you have a membership card, please provide a photocopy of this. If you don't have a card, you can provide the name of the club, the membership number and the expiry date.
If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name and the vehicle in quesion.
If you have a membership card, please provide a photocopy of this. If you don't have a card, you can provide the name of the club, the membership number and the expiry date.
If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name and the vehicle in quesion.
Agreed value forms are not essential to your policy. Without them, the policy will proceed on a 'market value' basis. Therefore it is beneficial for you to provide the forms, but the policy would not be cancelled if you do not send them. If you have been asked for more than one of the following, we require both (or all) of the forms in order to proceed with the agreed value.
Photos - If we have asked for photos of the vehicle, they should be taken square on to the vehicle and make sure it is completely in shot. The Insurers need to be able to see the complete vehicle in order to agree the value you have requested. We require six photographs: one of the front, rear, both sides, interior and engine bay. Please ensure that they are ALL signed and dated.
Agreed Value Form - This is to be completed by you, and needs to be fully completed in order for the Insurers to agree the value you have requested. In the top section, make sure that all of the sections are completed.
Independent Valuation - If requested, this is to be provided by an independent source, such as an owners club - not a garage who gains financially from you - i.e. where you bought the vehicle or have it serviced. It should be on headed paper and state clearly who has provided the valuation and their qualifications.
Photos - If we have asked for photos of the vehicle, they should be taken square on to the vehicle and make sure it is completely in shot. The Insurers need to be able to see the complete vehicle in order to agree the value you have requested. We require six photographs: one of the front, rear, both sides, interior and engine bay. Please ensure that they are ALL signed and dated.
Agreed Value Form - This is to be completed by you, and needs to be fully completed in order for the Insurers to agree the value you have requested. In the top section, make sure that all of the sections are completed.
Independent Valuation - If requested, this is to be provided by an independent source, such as an owners club - not a garage who gains financially from you - i.e. where you bought the vehicle or have it serviced. It should be on headed paper and state clearly who has provided the valuation and their qualifications.
If you have lost any of your paperwork with regards to your policy please call us on 0800 999 2030 or email us on documents@sureterm.com.
You can obtain your tax by producing either your certificate of insurance or a current temporary cover note at a local Post Office. You can also perform this online at www.taxdisc.direct.gov.uk.
We release your policy documents by post after you have requested and paid for your policy.
If you wish, we can send the documents to you using Royal Mail's Special Delivery service for a small extra charge. The same processes would apply should you change your policy mid-term.
If you wish, we can send the documents to you using Royal Mail's Special Delivery service for a small extra charge. The same processes would apply should you change your policy mid-term.
You can request a duplicate certificate online by using our online request form where it will be posted first class to you or contact our team on 0800 999 2030 or via email on documents@sureterm.com.
We can offer Special Delivery at a surcharge if your documents are needed urgently. For this service you need to call our Customer Service Team.
We would ask that you contact us several days in advance if you need to tax your vehicle or are going away on holiday. However, you can tax your vehicle on line on www.taxdisc.direct.gov.uk.
We can offer Special Delivery at a surcharge if your documents are needed urgently. For this service you need to call our Customer Service Team.
We would ask that you contact us several days in advance if you need to tax your vehicle or are going away on holiday. However, you can tax your vehicle on line on www.taxdisc.direct.gov.uk.
In some cases not all the endorsements displayed on the policy book apply to your policy. Usually at the top of this section it will confirm which endorsements apply to you, however if you are still unsure then please do not hesitate to contact us.
If you haven't received a certificate you should have received a cover note in its place, which will be valid normally for 30 days. This is known as a Temporary Certificate of Insurance. At the time of the renewal we contact your Underwriters and request that a new certificate is issued. We will forward it to you as soon as we receive it.