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Types of Insurance FAQs – Page 2 of 2
More FAQs on choosing your insurance cover
Insurance for cars and bikes can sometimes seem confusing so here are some more answers to frequently-asked questions to help you. There is a lot more information on our types of insurance cover page as well as on the many other pages of our website regarding specific insurance issues covered that you can access from the top menu.
If you haven’t already done so, please read Page One of the Types of Insurance FAQs and the other pages and then come back here if you have further questions.
Whatever insurance cover I have, what happens if I leave my car or bike with the keys in it and it’s stolen?
Even if you leave your vehicle for a minute to pop into a shop and your car or bike is unlocked and/or with the keys in the ignition, you will not be covered in the event of theft.
Can I change the level of cover during the term of my policy?
The simple answer is no but of course we’ll try to help you. Most insurers will expect you to have considered this in advance. However we would always recommend talking to us. Premium Choice policyholders can call our Customer Services Dept on 0845 073 7410.
If I have comprehensive insurance, am I covered to drive a friend’s car or ride their bike?
Normally yes, but you MUST check your policy first. If you are covered then this would only cover you for third party insurance ,and only if you have taken out a comprehensive policy. Naturally you would have to be driving or riding with the permission of the owner of the vehicle in question.
Am I covered to drive a hire car?
No. You have to take out insurance from the rental company, who will normally give you various options, some of which you will have to pay extra for.
Please read more FAQ’s on our Types of Insurance FAQs Page One and on our other Types of Cover pages.
Premium Choice – helping new clients and holders of insurance policies with us
“Overall, I found Premium Choice very good, the man who helped me seemed to ‘bend over backwards’ to find something that best suited... I will award Premium Choice an A*.”
“Your service is superb your staff are knowledgeable and provide a very personal and friendly service.”