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Before you begin

We’ve put together some useful tips and information to help you find the best deal.

No Claims Bonus

  • For every year you don’t make a claim you’ll gain NCB.
  • You can protect your NCB with us.

Note: Discount for NCB varies per insurer.

Policy Excess

Tip: Increasing your voluntary excess can reduce the cost of your policy.

  • You can adjust your voluntary excess after you get your initial quotes.

Mileage

The more miles you drive, the more of a risk you are likely to be seen as.

  • You can get an accurate number by referring to your service records.

Note: Most of us put too many miles down

Additional Drivers

  • Adding additional drivers who carry a lower risk can help to reduce your motor insurance.

Never add someone as main driver if they’re not. This is known as 'fronting' and could lead to a criminal conviction.

Different types of motor insurance

Damage caused to your own vehicle Damage/injury to other property/people Vehicle stolen/fire damage
Comprehensive
Third Party Fire & Theft
Third Party Only

Vehicle use

Social

This covers you for day to day trips and appointments, visiting family and friends, shopping etc.

Social and Commuting

This is the same as social, but also includes commuting to and from one place of work in any one day. This place of work can be different each day.

Business

This is the same as Social and Commuting, but also includes if the vehicle is used in relation to your work.

No Claims Bonus
  • For every year you don’t make a claim you’ll gain NCB.
  • You can protect your NCB with us.

Note: Discount for NCB varies per insurer.

Policy Excess

Tip: Increasing your voluntary excess can reduce the cost of your policy.

  • You can adjust your voluntary excess after you get your initial quotes.
Mileage

The more miles you drive, the more of a risk you are likely to be seen as.

  • You can adjust your voluntary excess after you get your initial quotes.

Note: Most of us put too many miles down

Named Drivers
  • Adding additional drivers who carry a lower risk can help to reduce your motor insurance.

Never add someone as main driver if they’re not. This is known as 'fronting' and could lead to a criminal conviction.

Insurance Types
Comprehensive
  • Damage caused to your own vehicle
  • Damage/injury to other property/people
  • Vehicle stolen/fire damage
Third Party Fire & Theft
  • Damage/injury to other property/people
  • Vehicle stolen/fire damage
Third Party Only
  • Vehicle stolen/fire damage
Vehicle Use

Social

This covers you for day to day trips and appointments, visiting family and friends, shopping etc.

Social and Commuting

This is the same as social, but also includes commuting to and from one place of work in any one day. This place of work can be different each day.

Business

This is the same as Social and Commuting, but also includes if the vehicle is used in relation to your work.

Already have motor insurance?

If you already have motor insurance with thinkmoney insurance and you have a query the below information may be of use.

How can I make changes to my policy?

Please give us a call if you’ve changed your vehicle or any personal details – like your address or phone number.

Once we’ve been informed of any changes, we’ll adjust your policy and provide any new documents if we need to. Please be aware, your premium may change.

How do I renew or cancel my policy?

We’ll send you a renewal invite approximately a month before your policy is due to expire.

If you’d like to discuss your renewal or make any changes, just give us a call. If you have paid over monthly instalments and are happy with your renewal, you do not need to contact us, we’ll automatically renew your policy providing you have not cancelled your Direct Debit.

If you have paid for your policy in full and/or do not have an active Direct Debit for this policy, you will need to contact us to renew.

If you’d like to cancel your policy, please give us a call.

How can I make a claim?

You’ll need to contact your insurer directly to make a claim – their contact details will be in your policy documents, which we emailed to you.

You’ll also need to let them know if you’ve had an accident, regardless of whether it was your fault or someone else’s.

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Get up to 20% discount if you are an existing thinkmoney customer*

*If you have an active product or service with a company within the Think Money Group you may qualify for up to 20% discount on your motor insurance.

Think Money Limited introduces customers to thinkmoney insurance which is a trading style of Think Insure Limited. Insurance is arranged from a panel of insurers by Think Insure Limited which is authorised and regulated by the Financial Conduct Authority (FCA No. 310071). Insurance is subject to eligibility and exclusions. Policy conditions apply.

Finance for insurance is provided by Ideal Finance Limited. thinkmoney insurance is a credit broker exclusively for Ideal Finance and receive a payment for this service.
Think Money Limited, Think Insure Limited and Ideal Finance Limited are part of the Think Money Group.