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 Tyre 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) - providing no claims have been made or are pending. Please refer to the policy terms for full details.
Are Tyre Insurance policies renewable?
No. Tyre Insurances are not renewable or extendable when the policy expires. Because Tyre Insurance can only be purchased within 30 days of delivery, cover cannot be purchased again on expiry. We offer 1 to 4 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?
No, unlike many Tyre Insurance policies in the market, there is no excess to pay when you make a claim.
Is there a maximum claim limit on the Tyre Insurance policy?
Yes, you can choose a claim limit of either £150 or £300. This is the maximum amount the insurer will contribute towards the new replacement tyre per claim. The policy also contributes up to £50 towards puncture repairs.
Do you have ‘wear and tear’ deductions on your policy?
No. Many other Tyre Insurance policies apply a claim payment reduction based on the tyre tread depth at the time of making the claim. For example, if the damaged tyre is 60% worn, some policies in the market will only pay 40% of your claim. Our Tyre Insurance policy does not apply these deductions. The damaged tyre must have a tread depth above the legal limit (currently 1.6mm) but the policy will cover the full replacement value up to the claim limit you have chosen (eg £150 or £300).
How many claims can I make?
You can make up to 10 claims during the period of cover. Up to 5 claims can be made for puncture repairs and 5 can be made for replacement tyres.
Does your policy cover tyres that are worn out and not damaged?
No, Tyre Insurance policy covers unexpected, premature damage to the tyres caused by accidental or malicious damage (ie damage caused by potholes, road debris etc), the policy will not cover tyres that are simply worn and in need of replacement.
Am I covered whilst driving abroad?
Yes, cover will be extended to Mainland Europe for up to a maximum of 60 days in any one trip.
Who is your approved repairer?
You may take your vehicle to any tyre retailer providing they are VAT Registered.
What is the claims process?
You must follow the claims procedure outlined within your policy Terms & Conditions by contacting the claims team directly before going ahead with any replacement or repair to the damaged tyre. Once you have the authorisation number, you may go ahead with the repair or replacement to the damage tyre. The insurer will reimburse you directly.
Can I make an 'out of hours' claim?
Occasionally you may require emergency assistance out of hours and will be unable to contact the claims administrator to obtain a claim authority number.
Under these circumstances or where the repairer refuses to wait for payment from the claims department, you will need to settle their invoice and claim reimbursement from the claims team. You must request that the retailer retain the damaged tyre(s) until the end of the next working day to allow inspection by an independent engineer should this be necessary. It is your responsibility to ensure that the damaged tyre(s) are available for inspection and failure to do so may invalidate your claim.
Are there any vehicles you cannot cover?
Our policies will cover vehicles that have been purchased from a motor 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 Hire & Reward (taxi, couriers, chauffeurs etc), driving schools, or emergency service vehicles, 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).