Your low cost car insurance questions answered
We work hard to make buying low cost car insurance online as simple as possible. So, to save you time we’ve put together the most popular questions asked by Hoot customers. If you have any queries about car insurance with Hoot please contact us on 0800 954 97 55.
How do I get a low cost car insurance quote with Hoot?
Is it safe to pay over the internet?
How is it possible for you to sell such low cost car insurance?
Do you deal with other types of insurance?
Does the price include legal expenses insurance?
What does comprehensive car insurance cover mean?
What is a policy excess?
Do I have to pay an excess when the accident wasn't my fault?
How do I claim back my excess from the negligent party?
Does my policy include a replacement car in the event of an accident?
Am I insured to drive another person’s car?
I've been a named driver on someone else's policy for a few years so do I get a no claims discount if I get my own insurance?
I'm getting a second car, so can I use my no claims bonus twice?
Other questions
Q. How do I get a low cost car insurance quote from Hoot?
A. Simply click here for an online car insurance quote…
Q. Is it safe to pay over the internet?
A. Yes. Our website uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. See website security for more information…
Q. How is it possible for you to sell such low cost car insurance?
A. As an online car insurance business we don’t spend millions of pounds on call centres or expensive television and newspaper advertising, and as a result we are able to pass these cost savings directly onto our customers, in low cost car insurance premiums.
As we only insure young drivers we are able to negotiate the lowest possible rates from the UK ’s largest insurance providers including:
- Fortis Insurance Company
- Provident Insurance Company
- Chaucer Insurance @ Lloyds
- Norwich Union Insurance Company
- Sabre Insurance Company
- AXA Insurance Company
- NIG Insurance Company
- Service Motor Policies
- Allianz Cornhill Insurance Company
- Corinthian Insurance
- Doric Insurance
- Enterprise / Holdsure Insurance
- Highway Insurance
- Legal & General
- Link Insurance
- Groupama Insurance Company
- Zenith Insurance
- Zurich Insurance Company
- Royal & SunAlliance Insurance
- Ensign @ Lloyds
- Markerstudy Insurance Company
- Hastings Insurance Company
- Premier
- Planet Insurance Company
- MMA
We can make huge savings off your existing policy and unlike many of our competitors who actually charge you more if you buy over the phone, you will get the same insurance quote, whether it’s online or from one of our motor team.
Q. Do you deal with other types of insurance?
A. Yes, we sell motorcycle, van, travel and home insurance. For an immediate quote, call us now on freephone 0800 954 97 55 .
Q. Does the price quoted include legal expenses insurance?
A. Legal expenses insurance is free with all Hoot Car Insurance Services policies. Many of our competitors charge up to £50 for legal expenses insurance cover. For more information about our legal expenses insurance cover click here…
Q. What does comprehensive car insurance cover mean?
A. This is the highest level of car insurance cover you can buy. See Levels of car insurance for more information…
Q. What is a policy excess?
A. Most car insurance policies carry an excess which is the amount you have to pay every time you make a claim on your policy for damage to your vehicle.
Q. Do I have to pay an excess when the accident wasn't my fault?
If you have an accident that is not your fault, Hoot legal expenses insurance can help you claim the excess back from the negligent party or their insurer.
Q. How do I claim back my excess from the negligent party?
A. Hoot legal expenses insurance can help you recover your excess along with any other ‘uninsured losses’ not covered by your insurance policy such as recovery and storage charges or loss of earnings. See Legal expenses insurance for more information…
Q. Does my policy include a replacement car in the event of an accident?
A. Non fault accident
If you have an accident that was not your fault, Hoot legal expenses insurance can provide a free replacement car for you to use whilst yours is off the road, as long as you are able to provide details of the person who caused the accident (the third party), their vehicle registration number, their car insurance company, and we are able to get an admission of liability from the third party’s car insurance company.
Fault accident
If you have an accident that was your fault, and have comprehensive insurance, a replacement car may be available under the terms of your car insurance policy or from the body shop that repairs your vehicle. This is subject to their availability and policies.
Q. Am I insured to drive another person’s car?
A. Policy cover does vary so you should check your Certificate of Insurance to make sure you are insured to drive another person’s car. This cover is generally limited to third party cover only. So you would be liable for any damage to the car in the event of an accident which was your fault.
Q. I've been a named driver on someone else's policy so do I get a no claims discount if I get my own insurance?
A. It is only possible for the actual policyholder to benefit from a no claims discount but we can usually arrange an introductory discount for you if you are claim free for a number of years before taking out a policy of your own. Please call us on freephone 0800 954 97 55 to discuss this.
Q. I'm getting a second car, so can I use my no claims discount twice?
A. Your no claims discount can be applied to one vehicle only. But if you are claim free we can usually offer an introductory discount. Please call us on freephone 0800 954 97 55.
OTHER QUESTIONS
Is there something we haven’t covered? If you have a query regarding low cost car insurance, please call us on 0800 954 97 55 or email your question to us at insurance@hootcarinsurance.co.uk
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