Car Insurance FAQ
Your insurance is with Collingwood Insurance Company Limited.
You must be aged between 35-65 years old.
Yes, you can add up to 2 named drivers to your policy, subject to additional underwriting criteria.
No, this policy will only cover the vehicle on your insurance certificate.
You must notify us if you are planning to take your car abroad as restrictions will apply. Please contact us on 0345 646 0107.
Cover is available on Comprehensive basis only.
Please refer to your insurance schedule for your compulsory excess.
Your compulsory own damage excess will increase by £250.00 where accidents/incidents are not reported within 24 hours of the incident and separately by a further £250.00 if the policyholder does not use the insurer approved repairer network. Windscreen excess will be increased by £100.00 if the policyholder does not use the insurer repairer network.
You can access your documents by logging on to your online account at www.collingwood.co.uk/COP/Account using the username and password sent to you. If you need assistance please contact us on 0345 646 0107.
It’s a condition of the policy that you provide a copy of the following documentation within 28 days of your policy start date:
Full UK driving licence Photocard (front) for you and any named drivers
DVLA driving record for you and any named driver
Proof of No Claims Bonus on the car you are insuring (if declared)
In 2015 the driving licence paper counterpart was abolished and replaced by an online record. This system holds your driving licence status, what vehicles you are entitled to drive and how many penalty points you have if any.
The information can be viewed, shared or downloaded and saved and removes the requirement to carry a paper counterpart licence. For more information visit the DVLA website https://www.gov.uk/government/news/driving-licence-changes
Please select and follow the link below for full instructions on how to share your driving licence information. https://www.gov.uk/view-driving-licence
Alternatively, you can call the DVLA on 0300 083 0013 who will be able to supply a code that you can share with us to allow us to access your information.
Please note this code is case sensitive and must be supplied in the correct format and is only valid for 21 days.
We must be notified of every accident or incident regardless of fault by contacting Collingwood Claims on 0345 370 0008. Please be aware you will pay a higher excess if you do not report the accident within 24 hours. Your excess would increase further if you chose not to use the insurer repairer network.
Yes, you can insure a car owned by a Spouse, Civil or Common Law Partner providing there is no other insurance policy on the car. Please contact us to discuss further on 0345 646 0107.
Yes, you can change the details on your policy.
Please contact us on 0345 646 0107.
Changes may be subject to a £25.00 administration fee in addition to an additional premium.
Yes, providing you have selected that use on your policy, for yourself and including additional insured drivers. Please note business use is limited to driving for travel between the driver’s home and permanent place of work and in connection to the driver’s business or occupation but does not include cover for any form of selling or commercial travelling.
Please check your certificate for limitations of use or call us on 0345 646 0107 to check.
No, modifications are not covered under this policy.
Yes, you can cancel your policy at any time. If you cancel before the policy has started you will receive a full refund.
You have a 14 day cooling off period, if you change your mind, you will receive a pro-rata refund of the total amount paid, we will deduct the time you were on cover and the intermediary fee you paid when you set up the policy as this fee is non-refundable.
After the cooling off period, you will receive a pro-rata refund of the total amount paid, we will deduct the time you were on cover and the intermediary fee you paid when you set up the policy as this fee is non-refundable.
The non-refundable intermediary fees are outlined in the terms of business agreement.
You can either pay for your insurance in full in one payment by credit or debit card or spread the cost with a deposit plus 9 monthly instalments by direct debit. Please note a charge for credit will apply. Credit is arranged through Close brothers Premium Finance.
For general enquiries regarding your credit agreement, you can contact Close brothers Premium Finance on 0333 321 8566.
To make a payment through their 24-hour automated payment line please call 0333 321 8568.
Your policy does include cover for your front windscreen only. Minor repairs are free of charge. For windscreen replacements a £200.00 excess applies, however, if you use our approved repairer, the excess will be reduced by £100.00 to £100.00. Please note there is no cover for any other glass and conditions apply. You can arrange a repair or replacement by calling 0800 877 8682.
Yes, you would require another policy.
You will need to contact us on 0345 646 0107
We are open Monday – Friday, 9 am – 7 pm and Saturday 9 am – 1 pm.
In order for us to confirm if this is acceptable, please contact us on 0345 470 0107.