Car Insurance FAQs
- Why can't I find my car's make & model by its registration number?
- What is an excess?
- If I've been named on another policy, am I entitled to any no claims discount?
- What if I'm making a claim?
- How do I get about whilst my car is being repaired?
- Can I drive abroad on my policy?
- What is protected no claims discount?
- Do I need business use to drive to work?
- Is it safe to use my credit/debit card on your site?
- Can I get instant cover with ASDA Financial Services?
- Can I pay monthly with ASDA Financial Services?
- What do I do if I want to cancel the policy after I've paid?
- Do you make any charge for requesting duplicate documents?
- Do you charge for making amendments to my policy?
Why can't I find my car's make & model by its registration number?
If you find your vehicle's registration number doesn't return your vehicle's details on our quote form, you can also enter the vehicle's year of manufacture, make and model to assist your search. If you are still unable to find your vehicle's details, please contact ASDA Financial Services on 0845 602 0198† who will be happy to help you.
What is an excess?
An excess is a contribution that you pay to the cost of a claim. However, if the claim is found not to be your fault, it's often possible to get back your excess from the party deemed to be at fault.
If I've been named on another policy, am I entitled to any no claims discount?
ASDA Financial Services, like most insurers, will only reward the actual policy holder with no claims discount. However, if you've been claim free we may be able to give some type of introductory discount. To find out more, please contact ASDA Financial Services on 0845 602 0198†
What if I'm making a claim?
You should contact our 24-hour claims service on - 0845 602 0229† where we'll take details of the incident and will start sorting things out right away. There are no forms to fill in, and we'll confirm:
- Whether your policy covers you for the incident
- What you'll have to pay
- All the steps involved in your claim being settled
How do I get about whilst my car is being repaired?
If you have comprehensive cover and have selected the hire car option, our approved repairers will give you a hire car for the duration of any repairs to your vehicle. If a car is stolen or a total loss, ASDA Financial Services will guarantee a hire car until an offer is made to settle the claim - subject to a maximum of 14 days.
Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union, to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact ASDA Financial Services on 0845 602 0198†. This will upgrade your cover whilst driving abroad, to the same level of Insurance that you hold in the UK. Cover is valid for up to 90 days in any one trip, to the maximum of 93 days in any one insurance period.
What is protected no claims discount?
For an additional charge, ASDA Financial Services can protect you from losing your No Claims Discount (however it does not protect your premium) details of which can be found in your policy schedule.
Do I need business use to drive to work?
No, under our insurance policy you can drive your vehicle back and forth to the same place of work using social, domestic and commuting purposes. ASDA Financial Services can increase your cover if you need to use your vehicle to visit any other sites of business during the working day. We will not, however, cover any goods or samples carried in connection with business use.
Is it safe to use my credit/debit card on your site?
ASDA Financial Services know how important it is to protect personal information from possible security risks so all of the information you put into our quote form is protected by encription. Click on the 'Security & privacy' link in the left hand panel to find out more.
Can I get instant cover with ASDA Financial Services?
Yes you can when you pay online by debit or credit card.
Can I pay monthly with ASDA Financial Services?
Yes you can if you are aged 18 or over. ASDA Financial Services usual terms and conditions apply. Please note that there is an APR of 28.6% for choosing this option.
What do I do if I want to cancel the policy after I've paid?
You have the right to cancel the policy within 14 days of receiving your policy document. If the insurance cover has not commenced you'll be entitled to a full refund of the premium paid. If the insurance cover has already commenced, a pro rata refund will be made to you, less an administration charge of £20, provided there has not been a total loss claim and the certificate of motor insurance has been returned to us.
After the expiry of the statutory cooling off period, your policy will continue as contract for twelve months. If your insurance is cancelled for any reason after the first 14 days, a pro-rata refund will be made to you, less an administration charge of £50. There will be no return of premium if a claim has been made during the current year of insurance. If you pay by instalments, please refer to your credit agreement.
There is no refund on Motor Legal Protection, Breakdown Service or Hire Car Cover.
Do you make any charge for requesting duplicate documents?
Yes, £20 for each duplicate document which you request, such as a policy schedule.
Do you charge for making amendments to my policy?
Yes, up to £25 (subject to insurance premium tax where applicable) for any mid-term change made to the policy. This charge is in addition to any change in premium which may occur as a result of a change made on the policy. If no change of premium no charge is made.
- Get a car insurance quote now
- Retrieve a saved quote
- For questions or quotes from mainland UK please call 0845 602 0198†
- For questions or quotes from Northern Ireland please call 0845 600 4824†
