Car Insurance FAQ’s: Answers from the insurance experts

Car Insurance paperwork with FAQs.

Any further questions? We’re happy to help!

Speak to an expert today; we’re always on hand to answer your car insurance FAQ’s.

Do I have to buy car insurance?

This may be one of our most popular car insurance FAQ’s.

In short, if you own a vehicle, it is a legal requirement in the UK to have car insurance.

Failing to insure your vehicle can lead to serious legal repercussions.

Why is car insurance so expensive for young drivers?

This is simply because statistically younger drivers are more likely to get into an accident than those that have years’ experience of driving. However, there are ways to help keep the costs of your premium down if you are a younger driver; one popular option is installing a telematics box into your car that monitors how, where and when you are driving. By selecting a telematics insurance product, you have the opportunity to demonstrate you are a safe driver, which could helping to reduce your premium.

Does my car insurance cover everything?

While it depends on the policy and coverage you have selected, even the most comprehensive car insurance will not cover everything. At David J Miller Insurance Broker, our team of experts pride themselves on being able to find comprehensive and competitive policies suitable for your needs at that time, however, there can sometimes be some exclusions, restrictions limits to a policy. Our team will work with your needs and budget in mind to find the best fit.

Can my insurer change my policy whenever they want?

Insurers can change a policy mid-term within reason. However, your insurer is obliged to inform you in advance before any changes can be made to your policy.

Usually your insurer will try to reach you through one of these methods of communication:

  • Phone
  • Email
  • Letter
  • Through your broker

Insuring through David J Miller Insurance Broker means that you can be confident we will inform you of any changes or updates to your policy as and when they may occur. We guarantee to do our very best to keep your policy premium as low as possible, allowing you to carry on with day-to-day life knowing your insurance is in safe hands.

What is a no claims bonus?

Otherwise known as a ‘no claims discount’, a no claims bonus is a discount accumulated over up to 15 consecutive years that the policyholder goes without making any claims. This discount can be taken across insurers, you just need your no claims bonus proof and the renewal notice from your previous insurer.

Will I lose my no claims bonus after making a non-fault claim?

Positively, submitting a non-fault claim should not affect your no claims bonus and you should be able to continue accumulating your discount.

Will my insurance premium be affected after making a non-fault claim?

It is extremely probable that your premium can be affected following a non-fault claim, for example, if someone hits you while you are driving to work.

This being said, a non-fault claim should not normally affect your car insurance premium as much as an at-fault claim.

How can I prevent an insurance claim?

Accidents where you cannot prove the other party are to blame cost your money!

Read our guide on the best practices to avoid an insurance claim on your car.  

How do I make an insurance claim?

Should you need to make an insurance claim, our team will be on hand to offer insurance claim help and advice on the best way to present your claim to the insurer and move the claim forwards as quickly as possible.

Contact our insurance claim department directly on 01254355175 during office hours, Monday – Friday from 9am – 5pm.

Or, email us at

Should you be involved in a car accident you can call our 24-hour motor accident helpline on 03435065794.

What makes David J Miller Insurance Brokers better than the well-known comparison sites?

At David J Miller, we look at things differently. We’ve seen all the television adverts and comparison websites, and we’ve decided that our customers deserve more. As a trusted and renowned name in motor insurance, you can rest assured as our insurance team has access to some of the UK’s top independent motoring insurance policies.

We understand that your car is your pride and joy. That is why alongside access to fantastic rates and competitive deals, we provide a first-class customer experience.

Haven’t found the answer you were looking for?

We are happy to help with any car insurance FAQ’s you may have, no matter how big or small!

Contact us and speak to a member of our friendly team today.