This covers you and your vehicle for any accident whether it was your fault or not. So if the worst happens, you can relax, knowing you are fully covered for:
*Damage to your car caused in an accident.
*Loss of or damage to your car caused by fire, theft or vandalism.
*Repair or replacement of broken glass in your car.
*Damage to vehicles or property belonging to other people.
*Injury to other people
This covers you and your vehicle if it is stolen or bursts into flames. If you are in an accident and it’s your fault, you are covered for damages to the other person and their car.
This covers your legal liability to third parties (that is, damage to their property & compensation for death or injuries caused by an accident that was your fault). It also covers damage and injury caused by your passengers.
Our policies come fully-loaded with benefits as standard plus some very special extras like our 10% discount at Kwik-Fit Centres.
But even the most high-spec policies can benefit from a few added extras. So, when we give you a quote, you'll be able to take your pick of the following optional extras and add as many as you would like when you apply for cover.
2 types of cover are available - Kwik-Assist Roadside and Kwik-Assist Recovery. Both include 24-hour cover, 365 days a year, a network of over 5,000 trained mechanics with an average response time 40 minutes from call-out. You can also add Personal Cover to your breakdown policy which means your're covered in any car
If you're paying by monthly instalments, this plan makes sure they are paid in the event of sickness, accident or unemployment.
If you're involved in a claim that is not your fault, this cover helps you to claim back any expenses not covered by your policy.
Designed to keep you on the road after a claim. You'll get a hire car for up to 14 days if your car is stolen or written off.
This policy provides you with personal injury cover up to £30,000. This means you're protected in the event of a serious injury resulting from a car accident.
At Kwik-Fit Insurance, we understand that making an insurance claim can seem daunting. So we have prepared a few guidelines to help you understand what to expect once you have notified us of your claim.
There will be three companies involved in dealing with your claim:
1. Your legal company, Albany Assistance.
2. Your Policy Underwriter.
3.Kwik-Fit Insurance Services.
Your claim will first of all be taken by Albany Assistance. Albany will take the incident details and advise if they are able to assist you with either getting your car repaired or providing you with a hire car to keep you mobile. They can assist with most non-fault claims. Albany are also the company who would work on your behalf to claim back your excess, personal injury and any other out-of-pocket expenses from the other driver’s insurance company. If they cannot assist you further, you will be passed to your Policy Underwriter
It is the responsibility of your Policy Underwriter to deal with the majority of your claims. Your underwriter will arrange for an approved repairer to repair your vehicle if possible. They will also arrange for an inspection of your vehicle to be carried out. The engineer will decide if your car can be repaired or declare it a total loss. Your underwriter will deal with all claims (Unless Albany Assistance was able to help if your claim was non-fault). The approved repairer will also ensure a courtesy car is given while your car is being repaired. Any queries you have should always be directed to your policy underwriter in relation to you claim.
Kwik-Fit Insurance Services are advised, by both your underwriter and Albany, of action taken. This information allows us to update your policy records with your claim details. We are also on hand to assist you with any issues you may have in relation to your claim and any disputes you may have.
Theft claims are aimed to be settled within 14 working days. Total loss claims are aimed to be settled within 28 working days. These are only estimates and individual situations can arise when these time scales cannot be adhered to. Any Non-Fault claim can only be settled once your Underwriter has managed to recover all their claims costs. This is dependent on the third party insurers.
Most total loss claims are settled within 4 to 6 weeks, from notification to settlement. If your car is stolen and not recovered, you can expect your claim to proceed within 21 days. This allows time for the vehicle to be found.
If you have comprehensive cover and using one of your underwriter’s approved repairers, you are guaranteed to be given a courtesy car once the repairs start on your vehicle. This can take up to 7 working days to be arranged, as your vehicle does have to be inspected by an engineer first. If the engineer declares your car a total loss then no car can be given.
The car will be a small, Class A type car. This is normally the size of a Ford Ka or Nissan Micra.
If you have had the glass on your car damaged and you have comprehensive cover we can arrange to have this fixed. Each underwriter has an approved repairer which you will told when you report the claim. We will take your call at Kwik-Fit Insurance and transfer you to the appropriate repairer to arrange having the work. You will have a £60 excess to pay if your glass needs replaced but if the glass can be repaired this will be done free of charge if the authorized repairer is used.
If your car is declared a Total Loss your underwriter will confirm this once their engineer has inspected your car. Total Losses come in different categories. Category A and B total loss cars must be scrapped, as they are considered not repairable. Category C and D total losses can be bought back from the underwriter and repaired by you if you choose to. Your insurer will send you a settlement cheque once they have received specific documents from you. These are normally your V5 – Registration Document, Certificate of Insurance, Current MOT Certificate, Servicing documents and all keys to your car. If you choose to keep your car and your insurer agrees to insure it you will need to get a new MOT for your car and a VIC check. These documents confirm your car is roadworthy again and full cover can be reinstated on your policy. Until these documents are received by Kwik-Fit, your policy cover will be reduced to Third Party Only.
If you have an excess to pay, it's payable whether the accident is your fault or not. You must pay the repairer this amount when you collect your vehicle or, if your vehicle is declared a 'total loss', your insurer will take the excess from the final offer.
However, if the claim wasn't your fault and you have legal expenses cover, your legal expenses insurer will claim your excess and any other out-of-pocket expenses from the other driver's insurance company.
Your insurer will recover the cost of your claim from the other driver's insurance company and your no claims bonus will be reinstated.
The notes above are guidelines to what you should normally expect to happen in the event of you making a claim, which is covered by your insurance policy. They are not guarantees, however, as they can be affected by unusual circumstances particular to an individual claim or by unusually high demand at peak periods.
If you believe that these guidelines are not being met by your insurer during your claim, please contact Kwik-Fit Insurance on 0800 280 2204 and speak to one of our claims consultants, who will be happy to help.
If your vehicle needs repairs following an accident or as a result of fire or theft, you should call our
(Lines open 24 hours)
Have your Certificate of Motor Insurance with you and - remember - if the glass can be repaired rather than replaced, you won't have to pay any excess.
Providing you have a credit or debit card, we can issue you with immediate cover. Terms and conditions apply. If you want immediate cover please call 0800 027 9367 where a member of our dedicated staff will be happy to help.
Sometimes we are unable to identify the make and model of your car just from the registration mark. When this happens, select no to the question ‘Do you know the registration number of the vehicle you would like to insure?’ and leave the registration field blank. You will then be asked to search for your car’s make and model manually. Once you have done this, the system will display a list of vehicle models. You should select the correct model of your vehicle from this list. If you are unable to find the exact car details, please call us on 0800 027 9367.
Cover can be provided to drive abroad. If you require this then call us on 0870 050 2222.
Each policy differs depending on customer requirements. We do not automatically insure you to drive other cars so you should check your Certificate of Motor Insurance to see if you are covered.
All our documents are sent by 1st class post and we endeavour to get documents to you as soon as possible. You should allow a maximum of 3-4 working days for any documentation to reach you.
No Claims Bonus represents the number of years you have held a policy without making a claim or having a claim made against you. Any No Claim Bonus that you have earned can only be used on one policy at a time.
It depends. We don’t currently quote for modified cars online, but we may be able to give you a quote if you call us on 0800 027 4420.
Yes, we can quote for some imports. Most of the insurers will allow cover on European imports. However, we have to refer to the insurer to check grouping and terms. If you car is imported, please call us for a quote on 0800 027 9367.
If you have Comprehensive cover we’ll authorise a guaranteed free courtesy car to keep you mobile while your own vehicle is being repaired by one of our approved repairers.
Although your driving experience will be taken into account, this does not entitle you to a no claims discount if you take out your own policy.
Payment by Direct Debit can be arranged. A deposit payment by credit or debit card will be required if you choose to pay by Direct Debit. If you wish to pay this way please call us on 0800 027 9367.
Although your driving experience will be taken into account, this does not entitle you to no claims discount if you take out your own policy.
Please contact our Customer Service department on 0870 055 7185 where our dedicated call centre staff will be pleased to help you. Or, you may be able to make your change on our existing customer page.
We will cover any courtesy car or hire car provided by one of our authorised repairers which has been provided in the event of damage or theft of your vehicle. Terms and conditions apply.
We can replace your Certificate of Motor Insurance for a small charge. To get a replacement certificate, just call us on 0870 055 7185.
If you are experiencing problems with our on-line service it could be for a number of reasons. If you are using Netscape navigator or any Apple Mac browser, you may face difficulties. Switching to Internet Explorer 5.5 or upwards should remedy your problems. However, if you still experience problems please call us on 0800 027 9368.
Normally either the policyholder or their partner need to be the registered owner of the car. If your circumstances are different from this, please call us on 0800 027 9368.
Please contact our Renewals department on 0800 027 6670 where a member of our dedicated staff will be happy to help.
No, we don’t sell that type of insurance. With our policy, the most that will be paid out is the market value of your car (provided the damage is covered by the policy).
Classic car insurance is a specialist policy where the value of the car is agreed before the policy starts. It suits older cars (usually more than 20 years old) that are driven less than 3000 miles a year.
Kwik-Fit Insurance Services Limited is trading as Kwik-Fit Insurance. Registered
office: Kwik-Fit Insurance, 216 East Main Street, Broxburn, West Lothian, EH52 5AS.
Copyright 2008 - Kwik-Fit Car Insurance.
If you don't disclose all material facts, your insurance could be invalid and not give
protection in the event of a claim. In particular you should tell us about any incidents
(whether your fault or not, and whether you claimed or not).
It is an offence to make false statements or withhold information to obtain motor
insurance.
All policies are subject to qualifying criteria, terms and conditions, details of
which will be discussed when you call
We can only offer policies to residents of the British Isles.
Policy documents detail the law applicable to each contract of insurance. This depends on the type of insurance you buy, and which insurer underwrites it. Generally, it will be English law. If you would like confirmation of this, please ask us before buying.
Once you buy your insurance, you have a duty to keep us informed of any changes to your circumstances. Note especially that you must call us before you change your car or if you move address. If you don't keep us informed of any changes, your insurance could be invalid and not cover you in the event of a claim.
Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun. We can only sell policies over the phone currently, but plan to extend this to the internet in future.
Most policies we sell are annual policies, which expire one year after the start date of cover (unless cancelled before then). Policies that last for different periods of time are single trip travel and term life assurance, both of which last for the period requested by you. In all cases, we will confirm the period of cover before you buy a policy from us, and your policy documents will confirm this.
If you buy insurance from us and pay by monthly direct debit, for your convenience and protection we will automatically renew your insurance policies (unless you tell us otherwise). This includes any additional policies, such as breakdown cover, legal expenses insurance and payment protection cover if you also pay these policies by direct debit. We will write to you before the policy renewal date to remind you of this and to let you know what the revised payments will be.
If after buying a policy from us, you decide to cancel it, please call us. In most cases we will be able to take your instruction over the phone. Alternatively, you may write to us. Your policy documents will show the full cancellation procedure. For motor insurance, you will need to return the certificate of motor insurance to us within 7 days of the cancellation date.
No charge
£15 if the customer cancels within 14 days of inception or receiving their
documents, whichever is first
After 14 days, we will retain £50 or our commission, whichever is the greater. This
will be deducted from any refund given by your insurer. We will tell you how much the
commission is when you buy your policy.
£5 to £25 charge, depending on the change
No charge
If you pay your insurance by direct debit, an interest charge will apply. We will tell
you the amount of the charge when we discuss your insurance arrangements.
We aim to provide satisfactory service at all times. If we let you down, please tell us and we will do our best to resolve the problem.
Please call us on 0800 280 2204.
We will do our best to resolve the matter quickly. If you are not completely satisfied,
please ask to speak to a Customer Relations Officer.
If you prefer, you may write to our Managing Director outlining your concerns and quoting
your Customer Reference Number. Or, you can email us at customerrelations@kfis.co.uk
Our aim is to acknowledge your complaint within 5 working days and resolve it within 20
working days. But in some cases it may take longer. If so, we will let you know. In all
cases, you will receive a final written response within 40 working days.
If you have received our final written response and you are still not satisfied, you
can refer your complaint to the Financial Ombudsman Service within 6 months:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
The Ombudsman will need a completed form, which you can get from their website at
www.financial-ombudsman.org.uk
They can also help you complete the form by taking your details over the phone on 0845
080 1800.
Please note that if you are a business customer with an annual turnover in excess of
£1million, you may not have access to the Ombudsman Service. Referral to the
Ombudsman does not affect your right to take legal action.
View our current Car Insurance Policy Book for policies bought on or after 09/05/2007.
Last updated: 09/05/07
If you bought a policy with us prior to this date, please call us to check the exact version of our policy book that applies to your policy.
For your protection and ours, and to ensure our high standards are maintained, we may
record or monitor your call.
If you provide information to us, either via our website or over the phone, we will use
this information to allow us to service any policy you buy from us, and for statistical
and administration purposes.
In order to advise you of our range of financial products and special offers which
could save you money, we will contact you in future, and may share your contact details
with other carefully selected companies as well as other companies within the Kwik-Fit
Group. From time to time we may pass customer information to an external agency to carry
out a customer satisfaction survey on our behalf. Please call us on 0800 280 2919 if you
do not wish your information to be used in this way.
We may disclose information about you and your policy to the Financial
Services Authority and/or the Financial
Ombudsman Service, if requested by them. This will only happen if required to enable
them to fulfil their obligations such as investigation of a complaint, or alleged
misconduct.
Insurers pass information to various databases in order to prevent and detect fraud. The
databases used depend on the type of insurance being bought. For motor insurance, this
includes the Claims and Underwriting Exchange Register, the Motor Insurance Anti-Fraud
and Theft Register, and the Motor Insurance Database. Further details will be explained
when you contact us, and on the documents if you buy a policy from us.
We will keep the information you provide to us secure and private. For your
convenience we will make changes to your policy on the instruction of your spouse/partner
or a named driver on your policy. If you do not wish this, or if you would like someone
else to have access to your file, please let us know. Please note that we will only
cancel your policy or change your address on your instruction. No-one else can do this on
your behalf, however we will allow your spouse/ partner or any named driver for on your
motor insurance policy to cancel your policy if they are setting up a new one through us
immediately on your behalf e.g. with a different insurance company.
The insurer who underwrites your policy may pass your personal data to other companies
for processing on their behalf. Some of these companies may be based outside Europe in
countries which may not have laws to protect your personal data, but in all cases your
insurer will ensure that it is kept securely and only used for the purposes for which you
provided it. Details of the companies and countries involved can be provided on
request.
In the event of an outstanding balance on your account, we will pass your details to a
debt collection agency for them to collect this amount on our behalf.
As well as calling us on the above numbers, you can contact us by;
Writing to us at: Kwik-Fit Insurance,
1 Masterton Way,
Tannochside Industrial Estate,
Glasgow,
G71 5PU ,
Alternatively, email us with any queries you may
have.
Kwik-Fit Insurance is part of the Kwik-Fit Group of companies.
Registered in Scotland, number:147319.
Registered Office: 216 East Main Street, Broxburn, EH52 5AS.