Does my car insurance cover damage from theft?
This depends on the cover purchased but comprehensive cover would cover theft
How is my car insurance premium calculated?
There is a complex algorithm that calculates exact premiums but we look at many different factors including age, vehicle type and experience
Are car insurance companies open at the weekend?
Yes, Quote Detective is open until 2pm on Saturdays
What is the best car insurance?
Any Quote Detective policy!
Why does car insurance increase at renewal?
It doesn’t always and sometimes it goes down!
Will a speeding ticket affect my insurance?
Normally a single speeding offence doesn’t increase the price of our motor insurance
Do you offer commercial van insurance?
Yes, we are specialists in non-standard car and van insurance
What is the difference between comprehensive and third party cover?
Third party covers only damage caused to the third party vehicles and property, comprehensive also includes damage to own car in the event of a claim
How can I send my supporting documents to you?
The quickest and easiest way to send us documents is by taking a photo using your smart phone or digital camera and sending the photo in an email to us to firstname.lastname@example.org
Alternatively you can send them in the post to
Quote Detective, 3rd Floor – Cwmbran House, Mamhilad Park Estate, NP4 0HZ.
When providing supporting documents, please ensure the copies are clear and the full document is in view so we won’t have to ask for another
How can I update my driving licence?
Our insurers will insist that your driving licence matches the address that you have told us you live at, and will cancel your policy if you do not update your licence. You also risk being fined £1000 if you do not tell the DVLA when your address changes.
You can update your licence free of charge online using the below link:
Change Address Driving Licence
What is the cheapest car insurance option?
Third party cover is usually the cheapest; our highly trained agents can offer you a price on various options
Is it hard to insure a car with modifications?
Many brokers will not insure mods but we are a specialist non-standard broker and will help you to insure your motor (mods or no mods)
Why is it more expensive to insure a young driver?
Young drivers are statistically more likely to claim and any claims are typically more costly. This means that insurers need to charge more
Can I use No Claims Discount from another country?
Some of our insurers will allow the discount even if the NCD is from another country – you must tell us the details regarding your NCD within your policy quotation as this will influence the price offered by insurers.
Does No Claims Discount expire?
Most of the insurers will not accept NCD that is over 2 years old since it was last used. You must tell us the details regarding your NCD when we speak to you about your policy quotation.
Can I be insured with points on my licence?
Yes, many of our clients have points and we specialise in convicted driver insurance
Can you cancel car insurance?
Yes, this is possible- see our Ts & Cs
Do I need motor insurance?
Yes- under the Road Traffic Act it is a legal requirement to have motor insurance
What is the average car insurance cost?
This question is impossible to answer; we specialise in non-standard insurance and are highly competitive in this area
How do I get a car insurance quote?
We offer online quotes or phone quotes on 0333 222 4005
Can I pay in monthly instalments?
Yes, you can spread the cost over 10 months
How do I cancel my insurance?
Before cancelling your insurance policy contact us on 0333 222 4005 so that we can tell you about all your options.
What is the 14 day cooling off period and what is the cost if I use it?
“If you have instructed us to start a policy, but choose to cancel before any cover has commenced, we will charge £25 in addition to any insurer administration charge.
If your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, you will be charged the following;
– A pro rata charge for the time your policy was on cover plus any insurer administration fee
– A charge for the time any optional additional products were cover*
– A cancellation charge of £50.00
*If you have used the service of any optional additional products within the cooling off period, the full charge of the additional product will apply.”
Can I cancel if I have made a claim?
You can cancel a policy at any time. However if there is a pending or fault claim against you in the period of insurance then the insurers will not allow a refund of the premium. If you are paying by instalments, this means that any remaining payments must be completed until the policy is paid in full.
Does cancelling my direct debit automatically cancel my insurance?
Not straight away as it can take some time for us to find out if you have cancelled your Direct Debit. We will always make contact with you to understand why you are cancelling your Direct Debit instructions, so it can take some time before the actual policy is cancelled which could mean additional time on cover. If you want to cancel your insurance policy please contact us first so that we can discuss all your options with you. If you do then decide to continue with cancelling your policy we will stop the Direct Debit as part of the cancellation process.
Why do I owe money after cancellation?
If you are paying by instalments, sometimes the charges imposed by your insurer and us are greater than the amount you have paid to date. This may mean that the charge is not reflective of how much time on cover you have actually used.
How do I make a claim?
If you need to report a claim please contact our claims handling team on 0208 487 0642.