Frequently asked questions

Liability cover pays when you are held responsible for someone else's injury or damaged property. It covers the legal costs of defending the claim as well as whatever is awarded, up to the limit on your policy.

Yes. Monthly or annual installments can be collected from a card or a bank account, and you can change the date or the account from your online account at any time.

A missed installment triggers a reminder rather than a fee. If it is still unpaid after the grace period on your schedule, a small administration charge applies and cover may be suspended until the balance is cleared.

You can add, remove or resize cover mid-term. We reprice the remainder of the year and either refund the difference or add it to the next installment, and a revised schedule is issued the same day.

We send the renewal terms about a month before the policy ends, alongside last year's price so you can see what moved. Renew from the link in that email, or ask an adviser to re-shop the panel first.

Cover stops on the lapse date, and anything that happens afterwards is not covered. Most policies can be reinstated within 30 days without new underwriting; after that it is treated as a fresh application.

To turn a loss you could not absorb into a payment you can plan for. The test is simple: if replacing the thing tomorrow would change how you live, it is worth insuring.

Auto, home, renters, condo, motorcycle, health and life. Small-business owners can add general liability and commercial vehicles to the same account.

Every quote starts from a base policy you can adjust: raise or lower the deductible, add optional cover such as roadside assistance, and set the limits that suit what you own.

Holding two or more policies with the same insurer usually reduces both. We show the discount as a separate line on the quote so you can see what the bundle is actually worth.

Report it from your online account or by phone. Have the date, a description of what happened, photographs if there is damage, and a police or incident reference where one exists.

A straightforward claim with complete evidence is usually settled within five working days. Anything needing an inspection or a third party's insurer takes longer, and you are given a decision date at the start.

You get the reason in writing, with the policy wording it rests on. You can send new evidence and ask for a review, and the letter also explains how to escalate the decision if you disagree.

Card, bank transfer and direct debit. Annual payments can be made in one amount; monthly installments are collected on a date you choose.