Car Insurance FAQs

Most of our policies will cover you to drive any car if you’re over the age of 25 years old, are the policyholder (and not a named driver, and do not work in the motor trade). Cover will usually be restricted to Third Party and you will need to ensure the car is covered in it’s own right and you have the owner’s permission. However, always check your certificate of insurance or call us on 01622 766960 for clarification.

Some insurers use your credit score to decide your premium or whether to provide a quote at all.

There are only exceptional circumstances where a NCD can be transferred to another driver. It would be worth a call to us on 01622 766960 so that we can discuss the circumstances.

Yes, you are able to add a temporary driver to your policy. Please give us a call on 01622 766960 and select Option 3 for Customer Services.

Alternatively, in association with Sparta, CSIS can introduce competitive short term car insurance cover - Find out more about Short Term Car Insurance.

Yes, you are able to add a temporary vehicle to your policy. Please give us a call on 01622 766960 and select Option 3 for Customer Services Team.

Alternatively, in association with Sparta, CSIS can introduce competitive short term car insurance cover - Find out more about Short Term Car Insurance.

If you wish to spread the cost of your insurance over the year, we have a facility available via Premium Credit Limited. You can select this option when you purchase the cover (T & C’s will apply).

It is a requirement by law to hold Car Insurance. It is seen as a financial safety net if you cause an accident and will mean a third party is not left stranded financially in the event of an accident or incident.

You need to inform us if you use your vehicle for business use or select the option to include this in your quotation. If you simply drive to one permanent place of work, this is classed as commuting, but if you are driving to different sites/meetings you will need to extend your insurance to include the correct level of cover.

Yes, you’re able to use your vehicle for voluntarily work providing that any mileage allowance does not exceed the current HMRC Mileage Rates.

No Claims Bonus Protection does not protect the price of your policy following a claim but it does protect the amount of years that you have built up. It will allow you to have a certain amount of claims in a period of time before the no claims bonus is affected.

We can offer you cover on a fully comprehensive basis or third party, fire and theft. In addition, you can select additional add-ons such as breakdown cover or legal expenses.