Read our frequently asked questions below
The following questions and answers relate to the terms and conditions of policies available today. If you purchased a policy prior to today, please refer to the policy terms and conditions or call us during business hours.
Why buy from car2cover?
Thousands of customers every year have been choosing car2cover to provide them with Gap, Tyre, Alloy wheel and Scratch & Dent Insurance since 2007.
We are authorised and regulated by the Financial Conduct Authority and all policies are covered under the Financial Services Compensation Scheme. We have over 40 years experience and choose our insurer’s carefully with policies designed to work in the way we know they should and not designed simply with price compromises in mind.
All insurance products on this website are underwritten by Great Lakes Reinsurance SE. Great Lakes Reinsurance SE is a fully owned subsidiary of Munich RE Group and is a specialist provider of insurance services. Great Lakes Reinsurance SE enjoys the same strong ‘A’ rating and financial strength as Munich RE Group.
We avoid unrated small overseas insurers because a number have become bankrupt in recent years. According to the Financial Services Compensation Scheme website, five have failed since 2016 as shown on this list published on https://www.fscs.org.uk/failed-firms/.
Why are Car2cover so much cheaper than my dealer?
Your motor dealer’s Alloy Wheel Insurance policy is normally offered at a much higher premium than you will find at car2cover.co.uk.
The are many reasons for this. The motor manufacturer and motor dealer include a profit, the salesman is paid commission and motor dealers can only sell a limited number of policies due to its limited number of customers.
As an online business, we sell ‘substantially’ more to a national audience – and high volumes of business results in lower premiums. To help boost vehicle sales, motor dealers offer discounts and other financial incentives. To help recover the cost of those incentives, they charge excessively for Gap Insurance and other products such as paint and upholstery treatments, Tyre Insurance, Alloy Wheel Insurance and Scratch and Dent Insurance.
Play smart, take the discount and buy your insurance products cheaper elsewhere!
What cancellation options do I have?
All insurances arranged by our business are covered by a 30 day money back guarantee.
Providing a claim has not been submitted during this period, you may cancel your insurance within 30 days of policy purchase and receive a full refund.
Beyond the initial 30 day cooling off period, our policies provide the option to cancel cover with either a ‘credit’ (no cancellation fee) or ‘refund’ (after cancellation fee is deducted) - please refer to the policy terms for full details.
Are Alloy Wheel Insurance policies renewable?
No. Alloy Wheel Insurance is not renewable or extendable when the policy expires.
Because Alloy Wheel Insurance can only be purchased within 30 days of delivery, cover cannot be purchased again on expiry.
We offer 1 to 3 year periods of cover and therefore it is important to ensure that you choose the correct period when you purchase your policy.
Is there an excess to pay?
Yes, you are required to pay the first £10 of each claim.
Is there a maximum claim limit on the Alloy Wheel Insurance policy?
Yes - there is a maximum claim limit of £100 per claim.
How many claims can I make?
You can make up to 3 claims in any 12 month period. This means you could potentially make up to 9 claims in a 3 year period.
What geographical areas does this policy cover?
Mainland UK only.
Are there any vehicles you cannot cover?
Our policies will cover vehicles that have been purchased from a Franchised dealer within the last 30 days, providing they are less than 7 years old with less than 70,000 miles (at the point of purchasing the policy).
The vehicle must be listed in Glass's Guide and have a purchase price below £125,000.00.
We cannot provide cover for vehicles that are used for any business use, kit cars, invalid carriages, motorhomes, commercial vehicles more than 3500kg gross weight, American/Canadian/Australian vehicles (unless built for the UK market), mini buses with over 19 seats, used for road racing/rallying or any other competitive event and vehicles owned by a business formed for the purpose of selling or servicing motor vehicles (motor trade policies).
How do I make a claim on the policy?
You must follow the claims procedure outlined in your Terms and Conditions document. You will be required to email or send images of the damage to the claims team. Claim(s) must be reported to the claims administrator with 14 days of the damage occurring. Where multiple repairs are undertaken by the approved repairer, these will be treated as multiple claims under the policy, but shall only be subject to a single excess.
Who is the approved repairer?
Repairs are carried out at your home or place of work and all repairs are covered by a 2 year guarantee.
The insurers current approved repairer is an organisation called ‘Revive’, designated as an Approved Centre by the Institute of the Motor Industry (IMI) Awards. You can learn more about ‘Revive’ by visiting their web site.