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Sample renewal notice car insurance

Frequently Asked Car Insurance Questions

  • QuoteOpen all
  • What is an excess? An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. It varies depending on the car that is covered, the age and experience of the drivers on your policy.
  • Can I pay a voluntary excess? Yes, if you have Comprehensive cover you may get a discount on the premium if you agree to pay towards the cost of any claim for loss of or damage to your vehicle. This will apply in addition to any compulsory policy excesses.
  • Is immediate cover available? Yes. Immediate cover is available both via the phone and the internet.
  • Do I have to tell you about my conviction(s)? You must advise us of any motoring or non-motoring convictions, including pending convictions when taking out a policy with Octagon. You must also advise us immediately of any new convictions once you have taken the policy out with Octagon. Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
  • Can you provide cover for my caravan as well as my car? If your car is covered by us, there is no cover for loss of or damage to any trailer, caravan or vehicle you may tow. If you require cover for the caravan itself, we would suggest you contact a caravan club who will be able to provide comprehensive cover.
  • What modifications do you cover? We will cover your car if you have any standard options, fitted by the manufacturer (or their approved garage) at the time of first purchase, apart from any form of performance enhancement. Examples of modifications that we will also cover are: – Air Conditioning – Alloy wheels – Satellite Navigation (permanently fitted) – Sunroofs – Tow Bars – Roof Racks – Professionally fitted conversions to LPG (Liquid Petroleum Gas) Examples of modifications that we will not cover are: – Bodywork changes (Air dams, side skirts/sills) – Darkened windscreens or driver & passenger windows – Decorative internal or external neon lights – Exhaust system changes – Engine alterations – Internal trim (Seats, rally harness, etc.) – Performance Enhancement of any kind (e.g. chipped engine) – Roll bars or roll cages – Spoilers/aerofoils – Suspension changes – Induction kits
  • Does an Octagon Insurance Policy cover me for driving my car as part of any voluntary work, and does this include voluntary driving as a Community First Responder?

    Yes, an Octagon Insurance policy will cover voluntary driving for no additional premium. You do not need Business Use provided that any payment for this driving does not exceed the HMRC
    mileage rates in force at the time. Subject to this, there is no requirement to notify us of this driving, as long as the annual mileage declared by you covers mileage for voluntary purposes. On the understanding that a community first responder answers calls under normal road conditions, and does not have the authority to drive under emergency conditions, an Octagon Insurance policy will cover this voluntary driving. We are also happy for medical equipment and oxygen to be carried in the insured vehicle in connection with this voluntary work.

  • I am thinking about buying a vehicle that has been imported from outside Europe. Would you be able to provide cover?

    We are unable to offer cover for any van imported to the UK by someone other than the original manufacturer or its approved dealership network. We only offer cover for vans built to UK specifications and manufactured specifically for use in the UK. We are therefore unable to offer cover for vehicles commonly referred to as Grey Imports, which are typically imported from Japan or America as used vehicles.

  • PaymentOpen all
  • How can I pay for my insurance? Annual payment: You can pay for your insurance in full via a debit or credit card. By Direct Debit: You can choose to pay monthly by Direct Debit credit agreement through our third party premium finance provider, Premium Credit Limited (PCL).
  • Can I pay for insurance using someone else’s card? Yes, you can use someone else’s card to pay your insurance premium, but you’ll need to get their permission first. If you’re speaking to Octagon Customer Services, we will need to gain permission from the cardholder before we can go ahead.
  • No claims discountOpen all
  • What is a No Claims Discount (NCD)? For every year of claim free driving, each policyholder will earn a discount towards the cost of their renewal (to a maximum of 9 years).
  • Do I need to send Octagon proof of my No Claims Discount (NCD) entitlement? Yes, you need to send this to us within 14 days of taking out a policy in order to validate your car insurance. The car insurance renewal notice received from your previous motor insurer during the last 12 months will show the number of years of No Claims Discount (NCD) you have earned. Your insurer will be unable to authorise work on any car insurance claim you may make until we receive No Claims Discount proof. We will cancel your car insurance policy if you do not provide proof of No Claims Discount. For more information about No Claims Discount click here. Please be aware we check 100% of the No Claims Discount proof documents we receive. For the benefit of all customers, if a fake or falsified NCD is supplied to your insurer they may notify the Police and alert other insurers in order to assist with the prevention and detection of fraud.
  • What is a protected No Claims Discount (NCD)? In the event of a claim, if your insurer cannot recover their outlay from the person responsible, or you cannot recover your excess, your no claims discount is normally reduced at the next renewal. Discount protection allows up to two non-recoverable claims in a three-year period without reducing your no claims discount. Please note that you will not accrue any further years NCD should you have a claim and you have protected NCD in place.
  • Do the years I’ve spent driving a company car count towards my No Claims Discount (NCD)? If you have previously driven a company car, not a pool car, including business and pleasure use, our underwriters may be able to offer you a NCD. You must have surrendered the company car within the last year, be claim free and able to supply a letter from your employer to confirm this information.
  • If I have maximum no claims discount and I buy a second car can I add my no claim discount to both cars? No. Your no claim discount (NCD) can be applied on one policy only.
  • If my No Claims Discount (NCD) has been earned in another country, is it still acceptable? Our underwriters only accept UK discount earned on a private car policy. If you are a member of the Armed Forces, please see click here Click here to read chapter 4.
  • My policyOpen all
  • What if my car or circumstances change? You should tell us of any changes to your circumstances, otherwise your policy could be invalid. You need to inform your insurer via us of any changes that could impact on your insurance. For example, you should immediately inform us of a change of address or any convictions received (motoring or non-motoring related). Please notify us in advance if you wish to change drivers on your policy. The policy wording gives more details of the changes that should be notified to us. Just give us a call on 0344 561 4615 and we will advise you if the changes affect your insurance cover or payments. If you are unsure of the relevance of such changes, you must call us and ask.
  • Am I insured to drive someone else’s car? If you are the policyholder and 25 or over, have Comprehensive cover and a full driving licence, then you may be entitled to Third Party Cover when driving someone else’s car. Please refer to your current Certificate of Motor Insurance, which tells you if you have this cover. Alternatively, you can call our Customer Services Department on 0344 561 4615.
  • If I leave my keys in the car am I covered on my car insurance? No. You should take all reasonable steps to ensure that your car is locked and secure to prevent theft. Failure to do so could invalidate any claim you have.
  • Are my children’s seats covered in the event of an accident? If you have comprehensive cover and you have children’s car seats fitted, if your car is involved in an accident or damaged as a result of fire or theft, your insurer will pay up to £250 (after the deduction of any excess) towards the cost of replacing them.
  • How can I cancel my car insurance policy? For full details about how you may cancel your car insurance, please review your Car policy documents.
  • My OctagonOpen all
  • Where can I view the policy documents? You can view the policy documents applicable to your purchase on the Car Policy Documents page.
  • How do I renew my policy? We’ll send you a reminder before your current policy expires. This will explain what you need to do to renew your car insurance with Octagon for another year. If you have purchased your policy using our recommended payment plan provider, we’ll renew your cover automatically, unless you tell us not to. If you don’t receive a reminder, or you need to change your policy before you renew it, call our renewals team on 0344 561 4605. Mon -Thurs 9am – 7pm Fri 9am – 6pm Sat 9am – 4pm
  • ClaimsOpen all
  • How do I make a claim? If you are unfortunate enough to be involved in an accident or have your car stolen, vandalised or damaged in any way, you can report a claim on 0344 815 4975. You will be provided with the support you need, details of the repairer nearest to you and all the steps involved. If you wish to make a claim in respect of a damaged windscreen please call the Glass Helpline on 0800 011 3685.
  • Can I claim on my car insurance policy if my vehicle is hit by an uninsured driver? Yes, if you have comprehensive cover. How will the claim affect your No Claims Discount (NCD)? – If the uninsured driver is identified at the scene or later traced your insurer will not reduce your NCD even though they are unable to recover their costs from the driver. – If they cannot identify the uninsured driver then your NCD will be affected. – If you have Third Party Fire or Theft cover, you are not insured for damage to your car (other than due to fire or theft). You insurer will therefore not repair your car in this instance.
  • Other QuestionsOpen all
  • Are my details secure over the internet? We use industry standard Secure Socket Layer (SSL) 128 bit encryption technology to keep your personal information as secure as possible.
  • If I’m asked for additional documentation proof what should I send? Octagon Insurance Services and its insurer partners from time to time, may request additional documentation from customers. You do not need to supply original documents, photocopies are sufficient. Please note that you must provide recent documents that are dated within the last 3 months. Documents that are accepted are: – Council Tax Bill/Statement – Utility Bill – Tenancy Agreement – Pay slip (address included) – Driving Licence – Photocard for all drivers – Vehicle Registration Document (V5) – Copy of your passport plus one Utility Bill If you cannot provide the above, please contact Customer Services who will be happy to assist you.
  • How can I check that my Octagon Insurance policy is showing on the Motor Insurance Bureau? You can visit the MIB (Motor Insurance Bureau) and enter your vehicle registration http://ownvehicle.askmid.com/. This is a free service. It can take up to 7 working days for your vehicle to appear on the database if you have recently changed insurers or made a change to your policy.
  • Does my insurer offer consideration to Armed Forces in line with the Association of British Insurers’ guidelines? Current Octagon policies If the policyholder is to be stationed overseas, and would therefore have to cancel their policy mid-term, no cancellation fee will be charged upon proof of the posting abroad. New business policies No Claims Discount will be honoured for three years from the date the last UK insurance policy was cancelled, upon receipt of acceptable proof that the policyholder was stationed outside of the UK. Consideration will also be given if the No Claim Discount was earned by the policyholder while stationed abroad, from a non UK Insurer, provided that the No Claim Discount proof is submitted in writing, in English or with a verified English translation. All other policy terms and conditions remain the same.

Customer Services 0344 561 4615

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You have access to the DOI's Sample Premium Website to assist you in your premium comparisons among different automobile insurance companies .

If you are unsure about where to start, or if you do not know which companies offer automobile insurance in Massachusetts, you can get information from the Division's Sample Premium website at Premium Comparison Tool . The premiums you see on this website are NOT premium quotes. They are sample premiums based on sample driver profiles and intended only to be used as examples. The only place you can get an actual premium quote is from a company or an agent. Your written premium quote could be larger or smaller than the sample premium listed on the website based on your specific driver profile.

The website allows you to review the sample premiums charged for each company based on a general customer profile. You also will see a list of discounts offered by each of these companies. The website also offers you the ability to link directly to a company, or search for an agent in your area to obtain an actual quote based on your detailed profile.

You have the right to choose the coverage that is right for you.

Agents, brokers and companies must inform you in simple language of your coverage options when you apply for an automobile insurance policy, or at any time upon your request if you already have a policy. Different levels of coverage are available and you have the right to know how each option affects your premium and what your coverage would be in the event of an accident.

Insurers and agents must offer you the option of purchasing the following amounts of coverage:
 

  1. Personal injury protection benefits up to $8,000 per person/per accident;
  2. Property damage liability up to $5,000 per accident;
  3. Comprehensive coverage subject to a deductible of $500; and
  4. Medical payments insurance of at least $5,000.

You should consider carefully your choice to purchase medical payments insurance if you already have health insurance. Your medical payments insurance may not be necessary if you have health insurance. You should discuss this carefully with your insurance agent or insurance company prior to making this decision.
 

You have the right to select certain insurance policy periods.

The majority of automobile insurance companies offer policies for one-year periods. Some insurance companies also offer policies for six-month periods or for periods up to two years. You can take advantage of these options if they are offered to you. However, every insurance company that agrees to offer you a policy must provide a policy with a one-year term if you ask for it. When you compare premium quotes from different companies, be sure to compare policy periods that are identical.

You have the right to an insurance rate that is not unfairly discriminatory.

An insurance company may use many different factors to determine your insurance rate. Massachusetts prohibits insurance companies from using factors such as: sex, marital status, race, creed, national origin, religion, age (except to provide the discount for persons who are 65 years or older), occupation, income, education and home ownership. Companies also may not use credit information contained on your consumer report that is obtained from a consumer reporting agency.

You have the right to have coverage under your automobile insurance policy regardless of who is driving your car provided you gave your consent to the driver.

In most cases, your policy covers any accident involving your car even when it is driven by someone else with your permission. Your policy will not cover bodily injuries or property damage resulting from an accident when someone drives your car without your consent. If your car is stolen, comprehensive coverage will pay to repair any damage to your car if recovered, or its actual cash value at the time it was stolen.

You have the right to travel and have your coverage follow you.

Your policy's bodily injury protection (part 1) only applies to accidents that occur in Massachusetts. In order to have bodily injury coverage outside of Massachusetts, you must purchase the optional part 5. Even if you only want the minimum level of bodily injury protection ($20,000 per person or $40,000 per accident), you must purchase this limit under part 5 in order to be covered outside of the state. If you purchase coverage under part 5, your coverage - including bodily injury coverage - follows you everywhere in the U.S. and Canada.
 

You have the right to an explanation of how your driving history record affects your premium.

All companies use driving history when calculating premiums. The Division of Insurance's regulation does not permit companies to calculate a premium based on an accident or traffic violation that is more than six years old. The weight that companies assign to a particular traffic violation or accident varies based on the age and severity of the incident. Companies develop their premiums using different systems; therefore, it may not be easy to compare different quotes from different companies purely on the basis of driving record. Your agent or insurance company will be able to help you with your questions.

You have the right to see your driving history record.

You may obtain a copy of the number of at fault accidents and traffic violations attributable to you from the Merit Rating Board (MRB). The MRB is the state agency that maintains these records. You can receive a copy of your record by submitting a completed "Request for Detailed Driving History Record" form to the MRB. There is a $15 fee to process your request. You can download the request form from the MRB's website at www.mass.gov/mrb or by cal 617-351-4400.

You have the right to pay a deposit premium of no more than thirty percent.

You have the right to pay a deposit of no more than 30 percent of your policy's premium when you obtain or renew your policy, so long as you have not failed to pay your premium for automobile insurance previously.

You have the right to cancel your policy at any time.

You can shop for a cheaper or different automobile insurance policy at any time - not only when your policy is up for renewal. If you find a better price or a company that offers additional coverages that you wish to purchase, you can cancel your old policy and seek a refund of your unused premium. Be aware that if you cancel a policy before it expires, your prior company may charge you a penalty. You should consider this option very carefully to make sure this is the best option for you. You should never cancel your old policy until a new one is in effect. A lapse in coverage could result in higher rates in the future.
 

You have the right to change your coverages and policy limits at any time.

You have the right to change your coverages and policy limits at any time, even if your policy is not up for renewal. If you select lower policy limits or cancel non-mandatory coverages, you have a right to a refund of your unused premium.

You have the right to the prompt and fair handling of claims.

You have the right to ask about any payments made to others by your company and charged to your policy. If you file a claim with your company, it should be handled promptly and fairly. If your claim is denied, the company must provide you with a written explanation for the denial.

You have the right to a notice of cancellation.

An insurance company may cancel your policy before its expiration date under very limited circumstances, such as when fraud is discovered; when your driver's license is suspended or revoked; or, when you fail to make premium payments after a certain period of time. The company must give you at least 20 days written notice before cancelling your policy. The notice must specify the reason for the cancellation.

If you receive a cancellation notice for non-payment of premium, you have until the date that the cancellation is to take effect in which to pay the premium and avoid cancellation. If you pay your premium after it is due, but before the cancellation date, check with your agent or insurance company for the total amount due to make sure that your payment is complete.

If you receive a cancellation notice that you believe is based on inaccurate information or is otherwise unlawful, you have the right to file a written complaint Antique car insurance prices with the Division of Insurance.
 

You have the right to appeal a cancellation of insurance.

If an automobile insurance company cancels your insurance, you can file an appeal Ny no fault car insurance parking lot with the Board of Appeal. There is no guarantee that the Board of Appeal will reinstate your policy, but you are entitled to a full and fair hearing on this cancellation. The Division recommends that you start shopping for insurance coverage from another insurance company immediately even if you have not had your hearing before the Board of Appeal so that you are not left without insurance coverage. You should never drive your car without insurance.

You have the right to a notice of non-renewal.

An insurance company can decline to renew your coverage for several different reasons. This occurs most often when a driver's record includes certain "at-fault accidents" or motor vehicle violations. The company must issue a non-renewal notice directly to you or to your agent at least 45 days prior to the expiration of your policy. If you have an agent, your agent must send this notice to you within 15 days of the agent's receipt, unless you obtain insurance coverage from another insurance company during this time frame. The notice must specify the insurance company's reason for non-renewing your policy. The Division recommends that you begin to shop for automobile insurance from different insurance companies as soon as you receive a non-renewal notice.

If you are in an accident and your insurance company finds that you are "at fault," you have a right to be notified of this decision.

Your insurance company must notify you within a specific period of time that it has made a decision that you were more than 50% "at fault" in an automobile accident. The notice also must contain certain accident, operator and policyholder information. It also must provide the title and telephone number of the company representative you can contact to discuss this decision. This notice also is provided to the Merit Rating Board so that your driving history record reflects this finding.

You can always call the Division of Insurance at 877-563-4467 to report the company's decision if you believe that you were treated unfairly.

You have the right to keep private the personal information you give to your agent and insurance company.

Insurance companies and agents are required by law to have procedures in place that protect the privacy of your information. Your insurance company must provide you with a notice of these procedures. Also, insurance companies and agents are required by law to protect your personal information from identity theft, and provide you with specific instructions should a security breach occur.

"Personal information" does not include information that is lawfully obtained from publicly available information or from government records lawfully made available to the general public.

You always have the right to file a complaint with the Division of Insurance.

We are here for you. The Division of Insurance is always available to help you with questions or complaints about all types of insurance policies, insurance companies and agents. You can talk to a consumer service representative by calling the Division's consumer hotline at: 877-563-4467.

You also can go to the Division's website - www.mass.gov/doi - to learn more about your Consumer Rights.

This Bill of Rights does not address your responsibilities. Your responsibilities regarding your insurance coverage can be found in your insurance policy. Failure to meet your responsibilities may affect your rights.

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"Your policy has been canceled." Those are words you never want to hear from an insurance company. Finding out that your auto insurer has decided not to renew your car insurance policy is no picnic, either. However, the difference between cancellation and nonrenewal can mean the difference between an inconvenient insurance future and a downright unpleasant one.

Online car insurance companies

Most state insurance laws specifically spell out the circumstances under which an auto insurance company can cancel your policy. These are the most common grounds for cancellation:

  • You or a member of your household lose driving privileges during the policy period because of license suspension, revocation or expiration.
  • You make a late payment on your car insurance premium.
  • You misrepresent material facts about your risk — meaning your driving history, claims history or the number of people who have access to your vehicle.

Auto insurers can cancel your policy at any time if you've committed one of these offenses, but they must give you written notice of the cancellation. State laws vary on the number of days notice an insurer must give you before the cancellation takes effect, but expect an insurer to give you between 10 and 30 days notice. In the notice, the insurer must tell you why it has decided to cancel your car insurance policy.

What's more, an auto insurer has the right to cancel your policy at any time and for any reason during the "binding period" — the time frame after your application in which the insurer determines your risk. The binding period is typically 60 days. When an insurer cancels a policy during the binding period, it usually means that it has found a blemish on either your driving record or credit record that makes you an unacceptable risk.

Cancellation is like a dark cloud

If you've been canceled for not paying your premium on time, you might be able to get your insurance reinstated.

After an insurer has canceled your auto insurance policy, you may find it difficult to purchase auto insurance from another company. If you've been canceled for not paying your premium on time, you might be able to get your insurance reinstated with the same insurer if you otherwise have a good record. But some insurers may require you to pay the full annual premium upfront if you have a history of missing premium payments. Also, many insurers flee from recently or previously canceled policyholders because cancellation points to a bad risk. In fact, some auto insurers ask prospective policyholders if they've been canceled within the last three to five years because they generally don't want to sell insurance to those people.

If you find that your policy has been canceled and the insurer is not willing to reinstate it, you will need to look elsewhere for coverage, but you'll be shopping as a "high-risk" customer. There are some auto insurance companies willing to sell policies to high-risk policyholders, but at a higher price.

Nonrenewal less restrictive

When your policy expires, either you or your insurer can decide not to renew your policy.

State laws do not always spell out the circumstances under which an insurer can nonrenew policies.

Nonrenewal simply means your insurer will no longer sell you insurance. That can be because you've made too many claims for at-fault accidents, were convicted of driving under the influence or received too many traffic citations during the last three to five years. But nonrenewal isn't always the result of something you did. Your insurer may have simply decided to stop selling that line of insurance.

An auto insurer normally must give you between 10 and 30 days notice of nonrenewal.

In any case, when an auto insurer decides not to renew your policy, it must send you a notice. State laws vary, but an insurer normally must give you between 10 and 30 days notice of nonrenewal. The notice may contain the reason the insurer decided to drop your policy, but it might not. If the reason for nonrenewal is not included in the notice and you want to know, you'll have to send a written request to the insurer. If you receive a reason and believe it to be unfair, the Insurance Information Institute recommends that you contact your insurance company's consumer affairs division or call your state's department of insurance.

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