Frequently Asked Questions
Like many of the young drivers who take advantage of Only Young Drivers
car insurance, you'll no doubt have lots of questions about our policies and the cover we provide. Chances are they'll be the same
questions our team gets asked every day. So to help you out before you pick up the phone - or explain a few things you might want
to know, but forget to ask - you'll find our most frequently asked motor insurance questions and answers right here.
MAKING CHANGES TO YOUR POLICY
ABOUT CLAIMS
WHAT SOME OF THE KEY POLICY WORDS MEAN
COMPLAINTS
QUESTIONS ABOUT YOUR COVER
PAYING FOR YOUR COVER
CANCELLING YOUR POLICY
FAQ Answers
 |
1) |
|
If you want to make any changes to your policy, no matter how insignificant they may seem, you must contact us immediately on 0844 893 1061.
Back to top
|
2) |
|
It's important to check your policy documents as soon as they arrive. If any details are incorrect, you must contact us immediately. We'll make any necessary changes and make sure we get corrected documents back to you as soon as possible.
Back to top
|
3) |
|
A mid term adjustment is a change made to your policy after your policy has commenced.
Back to top
|
4) |
|
We will charge you an administration fee of £20 for processing changes to policies and responding to requests to issue duplicate or replacement documentation. This is in addition to any charges your chosen insurer may apply - please see relevant policy booklet for details.
Back to top
|
5) |
|
Don't worry, if you need to report a claim, or you need assistance in the event of an accident, simply call your chosen insurer (see relevant policy wording on this webiste). You'll get straight through to a personal incident manager who will guide you through the claim process, step-by-step.
Back to top
|
6) |
|
Yes. If you are involved in an accident, regardless of whose fault it is, and your car is being repaired you are entitled to a hire vehicle for the duration of the repairs, subject to availability.
Back to top
|
7) |
|
Comprehensive cover insures you for damages for both your vehicle and any other vehicles ('third parties'), whether it is your fault or not. This includes damage to your vehicle when left unattended, such as vandalism or a hit and run. You're also covered for legal liability against third parties, including damages to their vehicle or compensation for injuries that have occurred because of an accident. Fire and theft of your vehicle is also covered.
Back to top
|
8) |
|
Third Party, Fire and Theft cover insures you if you are involved in an accident, for damage you cause to other people's vehicles or property or for injuries they sustain. In addition you are also covered for your own loss or damage caused by fire (excluding arson) or theft.
Back to top
|
9) |
|
An excess on a car insurance policy is the amount you must pay towards the cost of a claim - you'll find more details in your schedule and policy booklet.
Back to top
|
10) |
|
It's a term used to describe the discount the insurer applies to your policy when you have not made a claim or had a claim made against you. This is usually expressed as a number of years, and as a general rule, the more 'No Claim' years you clock up, the bigger the discount you'll be entitled to.
Back to top
|
11) |
|
Legal Expenses Cover gives you the opportunity to recover any uninsured losses if you are involved in an accident that is not your fault. Examples of uninsured losses can include your excess, loss of work earnings or compensation if you or any passengers in your car are injured.
Legal Expenses Cover is not automatically included in your policy. It is an additional insurance policy you can purchase when taking out Only Young Drivers car insurance.
Back to top
|
12) |
|
We set very high standards for ourselves at
Only Young Drivers. But, whilst we take great pride in our customer service, we recognise that, occasionally, things may go wrong. So if you ever feel you have cause to complain about our service, please call us on 0844 893 1061 or write to us at:
The Operations Director
Only Young Drivers
Unit G3
Lacy Way
Lowfields Business Park
Elland
HX5 9DB
and we'll do everything we can to put things right.
- If you have a complaint regarding the service of your insurer, please see the relevant poicy wording on this website.
Back to top
|
13) |
|
Your
Only Young Drivers policy allows you to drive in any country within the European Union, for up to three months in any one trip. To find out more, please refer to your policy booklet.
Back to top
|
14) |
|
Under the
driving other cars policy extension you will not be covered for driving other cars if you are under the age of 25.
Back to top
|
15) |
|
You can protect your No Claims Discount when you have a minimum of four years No Claims Discount, providing you are aged 21 or over.
Back to top
|
16) |
|
Yes. You must advise us of any existing convictions - motoring or criminal convictions - when you take out your policy, and get in touch straight away if you have any convictions whilst your policy is in force. Failure to disclose any convictions could invalidate your insurance cover and result in a claim or part of a claim not being paid.
Back to top
|
17) |
|
No, breakdown recovery is not automatically covered in your policy. This is an optional extra we offer in conjunction with the RAC
with the following cover level options:
- Roadside
- Roadside, Recovery and Home
- Roadside, Recovery, Home and Onward Travel
Back to top
|
18) |
|
Yes. Your vehicle is covered for damage to, or breakage of, glass in your vehicle. Where your existing windscreen can be repaired, e.g. chips in the glass, you will have to pay an excess of £10. Where your windscreen is replaced, you will have to pay an excess (see policy wording for your insurance company on this website for details). Your No Claims Discount is not affected by windscreen claims.
Back to top
|
19) |
|
Don't worry, we'll remind you. In fact, we'll send you your renewal documentation 21 days before the policy is due to renew explaining how
you go about renewing your policy.
Back to top
|
20) |
|
To make it easy for you, we have two payment options - you can pay your annual premium in one payment via debit or credit cards, or you can choose to pay by monthly installments using direct debit.
Back to top
|
21) |
|
All you have to do is call our premium finance provider, Premium Credit Limited, on 0844 736 9836 and provide them with the new details.
Back to top
|
22) |
|
If you wish to terminate your policy you can call 0844 893 1061 or write to:
The Operations Director, Only Young Drivers, Unit G3, Lacy Way, Lowfields Business Park, Elland, HX5 9DB.
Back to top
|
23) |
|
You have the right to cancel your policy during an initial 'cooling off period' of 14 days and subsequent to this however you will be charged for the period you are on cover. Please refer to your policy booklet for details.
Back to top
|
24) |
|
We will charge you an administration fee of £50 to cover administration costs. This is in addition to any charges your chosen insurer may apply - please see relevant policy booklet for details.
Back to top
Call 0800 292 2280
now for a quote
Only Young Drivers Competition
We will be running a competition to celebrate the launch of our online quotation system - Coming soon!
Join us on
Facebook now and you will automatically
be entered in our competition to win an Apple iPad 2 Wi-Fi & 3G.
Facebook
Twitter Updates
Google Plus One
Partner Products
