Help & Support

We have compiled a list of your most frequently asked questions about car insurance. If you are looking for help in reducing the cost of your cover, check out our FAQs below;

I have driven a company car for a number of years, will I be eligible for any No Claims Discount?
If you have been using a company car for several years we could get you an introductory bonus - call one of our Sales Executives on 0800 197 7081.

Do you have any breakdown cover services?
Yes, we have a fantastic scheme through Call Assist at only £60, check out our Breakdown Cover page.

What is NCB?
NCB - No Claims Bonus is a discount to your premium based on how safe you are as a driver. Each year you can earn a discount on your NCB up to 9 years.

Can I pay by Instalments?
We accept instalments via Direct Debit, to make paying for your insurance as easy as possible. Please call one of our Sales Executives for details on 0800 197 7081.

I have several points on my licence, am I eligible for cover?
We have hundreds of policies from over 25 insurers. This allows us to find you the best deal, whatever your personal circumstances. Give us a call on 0800 197 7081, you may be surprised at the premium we can find for you.

What are your Terms and Conditions?
You may review our Terms and Conditions here.

We have compiled a list of your most frequently asked questions about motorcycle insurance. If you you are looking for help regarding Bike Insurance take a look at our FAQs below;

Can I transfer my maximum no claims bonus and keep it protected?
Yes it is possible to protect your no claim bonus.

Can I get a discount if I have any security fittings?
Alarms and immobilisers which are fitted at manufacturing stage are accounted for in the policy and therefore an additional discount is usually not applicable. Additional fittings such as Thatcham approved immobilisers, and other added security systems lessen the risk of the motorcycle being stolen, and can lead to a discount in the insurance premium.

What types of insurance cover are available?

Third Party
This is the minimum level of insurance required to ride your motorbike on the road.

• The policy covers liability for third party damage and costs for injury to third parties.
• There is no cover for damage to your motorcycle.

Third Party Fire & Theft
As well as the cover provided under TPO, TPFT also includes the following:

• Damage by fire, lightening or explosion (non terrorist action).
• Damage either during attempted theft or while it is stolen.
• Stolen and not recovered.

Comprehensive Cover
As well as the cover provided under TPFT

• Accidental and malicious damage to the insured vehicle.

Do you insure convicted riders?
Yes we offer very competitive rates to all riders, including drivers with motoring convictions.

What do I do if I need to make a claim?
Most insurers operate 24 hours a day, 365 days a year. More information will be given in your policy booklet.

When would I be allowed to ride another bike?
Each case is individually rated but generally aged 21+, riding a motorcycle 351+cc and not working in the motor industry (other occupations may also be excluded). Also any riders with major convictions may be excluded.

Would my policy allow me to ride in Europe?
Yes! We are able to offer insurance to cover riding in Europe. Please contact us for more details.

Will I be able to use my private car no claims bonus?
Yes, the no claims bonus can be transferred to the commercial vehicle.

Does my cover allow me to drive other vehicles on my Commercial policy?
No, you will only be covered to drive the vehicles stated in the policy.

Are my tools covered?
No, tools are not generally covered under your policy. If you require tool cover you should ask before you purchase whether it is included in your policy.

Can I protect my no claims bonus on a commercial policy?
Yes! This service is available from most insurers as an option.

Do you insure convicted drivers?
We offer specialist deals for drivers with motoring convictions and have excellent rates available.

Can I put the policy in my company's name?
Yes we offer a range of discounts for company policies.

Can my partner drive the vehicle?
Yes! We can place your partner on the policy, usually with no extra terms.

Will I be insured to tow a trailer/generator etc?
Yes, subject to being within legal size, anything towed is insured Third Party Only.

Why haven't I received my documents yet?
We always aim to issue your Welcome Pack within 7 working days. This contains your Proposal Form/Statement of Insurance, Certificate & Schedule of Motor Insurance and our Terms of Business Agreement. If you need your documentation urgently, or if it has been more than 7 working days since you purchased, you can call us on 0800 197 7089 or e-mail service@expressinsurance.co.uk , quoting your name, address, vehicle registration and policy reference number (if known)  along with details of your query.

I can't tax my vehicle online but I have paid for my Insurance, am I insured?
When you purchase an Insurance Policy, we submit the details to the insurer, and they are responsible for updating the Motor Insurance Database. This is checked when you buy your Tax online to confirm you have valid Insurance Cover in place and can take up to 10 working days from the date of purchase. You can still obtain Tax at your local Post Office by producing your Certificate of Motor Insurance with any other documentation that is required. If it has been more than 10 working days since you made payment and you are still unable to obtain your Road Tax online, please e-mail service@expressinsurance.co.uk or call us on 0800 197 7089 quoting your name, address, vehicle registration and policy reference number (if known) along with details of your query.

Why does my Insurance Schedule show a higher premium than I have been quoted?
We will often make a business decision to discount the premium charged by our Insurer panel.  .  The insurance schedule will always show the full premium that the insurers require, our welcome letter will confirm the discount we have allowed along with the costs of any additional products you have opted to take out. The total amount payable will always match what you have been quoted either online or via our call centre

The information on my Proposal Form/Statement of Insurance is incorrect, what should I do?

It is important that the information shown on your documentation is accurate as any incorrect information may invalidate your insurance in the event of a claim and mean that your insurer does not pay out. If any information is incorrect please contact us immediately on 0800 197 7089.

Why does my Certificate of Motor Insurance state it is a "duplicate"?
If a Certificate has to be re-printed for any reason, it will state duplicate as it is not the 1^st copy to be issued. This does not affect the legality of the document and is nothing to worry about. It will still be accepted as proof of Insurance should you ever need to produce it to the Police or use it to obtain Road Tax.

I've misplaced my Certificate of Motor Insurance, what  should I do?
If you have misplaced your documents, please contact our Customer Service Team on 0800 197 7089 who can arrange for them to be reissued to you. There may be a charge of up to £15 for duplicate documents. Please be aware, it is an offence not to be able to provide valid proof of insurance.

I have No Claims Bonus from a previous Insurance policy; can I use this on my new policy with Express Insurance?
Generally speaking, we can accept no claims bonus earned on a like-for-like vehicle (i.e. a car, motorcycle or van), which was insured in your name, in the UK and expired within the last two years. On occasion, we may be able to allow no claims bonus earned on either a company vehicle or another type of vehicle. You should contact a member of our sales team on 0800 912 0529 in order to see whether we can apply a discount to your specific circumstances

My policy with Express Insurance has finished. How do I obtain my No Claims Bonus proof?
Whether your policy is cancelled or has expired, we aim to issue your No Claims Bonus proof to you within 7 working days. If you are yet to receive your proof, or need it urgently please email admin@expressinsurance.co.uk quoting your reference number and ask us to send this for you.

I need to change the address/vehicle insured on my policy, what do I need to do?
Please complete all details accurately on our online Change Your Details form.
Changes you request will not be made until we have spoken to you.  Changes to your details may result in a change of premium, we also apply administration fees, you will be made aware of all the costs  before the changes are made (for full details of our charges please refer to our Terms of Business. Once you have submitted your email a member of our team will be in touch to confirm your change of details request, this will be within office hours. We endeavour to get back to you by close of business on the working day following your request.

Alternatively please call us on 0800 197 7087 within working hours.

I'm travelling abroad with my vehicle, do I need to tell you?
Please complete the section "European use / Green card" on our Change Your Details form. Changes you request will not be made until we have spoken to you. Changes to your details may result in a change of premium, we also apply administration fees, you will be made aware of all the costs before the changes are made (for full details of our charges please refer to our Terms of Business. Once you have submitted your email a member of our team will be in touch to confirm your change of details request, this will be within office hours. We endeavour to get back to you by close of business on the working day following your request.

Alternatively please call us on 0800 197 7087 within working hours.

My policy is due for renewal within 21 days, what do I need to do?
We will write to you in good time before your policy renewal date with details of your premium and optional additional cover for the next twelve months. If you wish to discuss your renewal price or have a query with your new policy before it begins, please contact our Renewals Team on 0800 197 7086.

My policy has automatically renewed but I have arranged cover elsewhere, what should I do?
Please contact our dedicated team on 0800 072 6975 who will be happy to assist you.