FAQs
For assistance with your car, bike, van or motorhome policy, please check the Frequently Asked Questions below to see if your query can be answered.
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NCD stands for No Claim Discount (also referred to as No Claims Bonus and NCB) and it represents the number of years you have held a policy without making a claim or having a claim made against you.
This information is available from your Registration Document (V5). The table below lists the Registration Marks for the last 10 years:
- 05/55 2005 - 2006
- 06/56 2006 - 2007
- 07/57 2007 - 2008
- 08/58 2008 - 2009
- 09/59 2009 - 2010
- 10/60 2010 - 2011
- 11/61 2011 - 2012
- 12/62 2012 - 2013
- 13/63 2013 - 2014
- 14/64 2014 - 2015
- 15/65 2015 - 2016
The security measures you have in place to protect your vehicle can dramatically affect the price you pay for your insurance premium. In many cases only Thatcham approved security systems are considered by insurance companies before they issue cover.
This is because Thatcham approved systems are designed specifically to meet the criteria designated by the Association of British Insurers Motor Research Centre at Thatcham. The three categories of security systems are:
- Thatcham Category 1 (Cat 1) - A combination of an immobiliser and alarm.
- Thatcham Category 2 (Cat 2) - An immobiliser that disables two of the systems needed to start the car.
- Thatcham Category 3 (Cat 3) - A mechanical device, such as a steering lock.
Thatcham Category 2 to 1 upgrades are also available (2 to 1) that simply supply an alarm where your vehicle is already fitted with an immobiliser. This option can work out slightly cheaper than removing the security you have in place and replacing it with a new Thatcham Category 1 system.
All of the security systems provided by Thatcham are retested annually to ensure they meet current market standards.
The main policy types to consider are third party, third party, fire and theft and comprehensive. Consider the pros and cons of each and choose the appropriate cover for your needs.
- Third party only (TPO) cover is the most basic type of car insurance you can buy and the minimum cover required by law in the UK. With such a policy you'll be covered for liability for injury to others (including passengers), damage to third party property and liability whilst towing but not for fire damage, theft, loss or damage to your vehicle
- Third party, fire and theft (TPFT) is one of the more basic types of car insurance. This policy will cover you for injury to others (including passengers), damage to third party property, liability whilst towing, fire damage and theft, but not for loss or damage to your vehicle
- Fully Comprehensive (COMP) It provides third party cover for claims made against you for injuries to other people, including passengers, as well as damage to other cars or property. A comprehensive policy will also insure your vehicle against theft, fire and accidental damage. Many fully comprehensive policies have additional benefits, such as providing a courtesy car whilst yours is in the garage, paying for medical treatment following a road accident, covering the theft of extras such as sat-nav systems and/or paying to repair damaged windscreens. Bear in mind that some so-called comprehensive policies may be 'stripped back' policies offering a level of cover that you may consider rather basic.
Requirements may change when we leave the EU (after the transition period), so please check your cover before you plan to travel.
If you would like to arrange a policy with ourselves via telephone, you will need to contact our quotations department on 01708 925 059. All major credit and debit cards are accepted. Alternatively you can send a cheque in the post including your unique reference number and contact telephone number.
You can pay for your premium in one lump sum or monthly instalments. If you choose to pay by Direct Debit, you will be asked to pay a deposit.
If paying by a card, "card number" refers to the long number shown across the middle of your card (between 16 and 21 digits). We may also require an issue number, expiry date and security code.
There are a number of ways:
- Increase your voluntary excess – An excess is the first part of the claim that you have agreed to pay. By increasing this amount, therefore increasing the amount that you are willing to pay in the event of a claim your insurer will discount your annual premium.
- Your vehicle – The value, type and engine size (cc) all make a difference, generally the cheaper and smaller engine vehicles generate lower premiums.
- Security – Having an alarm, immobiliser or tracker fitted to your vehicle can generate premium discounts.
- Annual mileage – Be as accurate as you possibly can. The lower your annual mileage, the more the insurers may discount your annual premium.
- Overnight parking – If you have a garage, it's best to use it as insurers may offer discounts on your annual premium. If you have a driveway, enter this onto your quote.
- Additional drivers – Only add drivers to your policy that use your vehicle on a regular basis. Limiting drivers limits your risk to the insurer and therefore decreases your annual premium. 'Any driver' policies are considerably more expensive, if you do require this, check all drivers ages as any driver policies over 25 (entered on quote as 25) may be more expensive than any driver policies over 30 (entered on quote as 30).
It is important that you have the right use for your car, if you have the wrong use you may find that your insurance company will not pay out on a claim.
- Social, Domestic & Pleasure - this covers you for normal day-to-day driving, such as driving to visit family or friends, or shopping.
- Commuting - this covers you to drive back and forth to one permanent place of work. Please note that travelling to a railway station, where you park your car, is classed as commuting.
- Business Use - this covers you to use the car in connection with your job, driving to different sites, travelling to training courses or prearranged meetings away from your normal place of work.
- Commercial Travelling - This covers the car to be used for such things as door-to-door sales
- Carriage of Own Goods - This covers you if you drive your van to and from work and transport business related goods such as your own tools.
- Carriage of goods for hire & reward - will cover your vehicle whilst transporting goods for other parties.
Grove & Dean Legal Cover provides a stress free service aimed to achieve a 100% recovery of your uninsured losses where you have been involved in a blame free accident with a known third party.
It offers £100,000 limit of indemnity and enables you to gain compensation where the other driver (third party) is a fault. A Grove & Dean Motor Legal Protection policy pays for the cost of legal representation by an appointed solicitor or legal representative to a limit of £100,000.
You need to send a copy of your photocard licence and a check code produced by the DVLA website. All drivers named on your policy will also need to complete this process. Please follow the steps below to obtain your check code.
- Step 1: Have your driving licence, National Insurance number and postcode to hand
- Step 2: Visit http://www.gov.uk/view-driving-licence
- Step 3: Click the green ‘start now’ button
- Step 4: Input your driving licence number, National Insurance number and postcode
- Step 5: Tick to confirm you understand the information and agree to the terms.
- Step 6: Select ‘view now’
- Step 7: Select the ‘share your licence information Beta’ tab
- Step 8: Click the green ‘create a code’ button
- Step 9: Make a record of your check code
- Step 10: Email, fax or post your photocard licence and check code together with your driving licence number
Below is a list of acceptable proof of address. All forms of proof need to be within the last 3 months, these can be sent by Email, fax or post.
- Council tax bill (valid for current year)
- Utility bill (Gas, Electric, Water, Phone or TV license)
- Telephone bill (mobile phone bills are not acceptable)
- Sky or cable TV bills
- Credit card bill (Excluding pre-paid cards)
- Bank, Building Society, Credit Union statement
- Mortgage statement from a recognised lender
- Disabled parking document
- Residence parking permit
- HM Revenue & Customs tax notification
- Tenancy agreement (must be from a local council or reputable lending agency)
- Recent Benefits Agency letter (Department for Works & Pensions, Job Centre Plus, Benefits agency, Veterans Agency) confirming your rights to benefits National
- V5
All documents requested by us can be returned by:
- Email – customer.care@grove-dean.co.uk
- Fax – 0870 238 4444
- Post – 7 Station Lane, Hornchurch, Essex, RM12 6JL
Yes, there are three payment options available:
- Payment in full
- Payment by monthly direct debit
- Two separate part-payments
Please speak to our advisers to discuss your options further on 01708 564 147.
We work closely with reputable motorhome insurers to ensure that your motorhome is adequately covered. The eight main classes to consider are:
- American RV (recreational vehicle)
- Van conversion
- Camper van
- Coachbuilt or overcab
- Micro
- Compact
- Low-profile
- A-class
Insurers will require some minimum requirements for a vehicle to be classed as a ‘motorhome’. These minimum requirements are generally:
- A fixed on-board water supply
- At least one bed 6ft in length
- Fitted wardrobe cupboards
- Seating for diners at a table
- A gas supply fitted to comply with the Gas Safety (installation & use) Regulations
- The Conversion must be within 90 days of completion
All of the above must be of permanent installation. Vehicles not meeting the above may be classed as a Dday van and can be covered subject to referral.
A motorhome insurance policy is specifically designed to provide cover for your motorhome as there could be some gaps on a normal private car policy. The main inclusions are:
- Cover for awnings and camping equipment
- Extended periods of EU cover for trips abroad
- Greater cover for personal belongings usually limited to £100 on a car policy but up to £2,000 on a motorhome policy. (subject to underwriting)
- Cover for gas or explosion is not normally covered under a car policy but is on a motorhome policy.
Typical exclusions on a motorhome insurance policy include:
- Motorhomes used as a permanent place of residence
- Claims arising from your motorhome being used as a place of trade
- Theft of contents unless there is forced entry
- Wear and tear
- Insect or vermin damage
In short, Agreed Value is the amount that the insurer agrees in respect of a total loss claim.
The amount is usually agreed at the start of the policy rather than at the time of a loss. This differs to a standard policy of indemnity where an insurer would only consider paying the market value of the vehicle at the time of the loss. Where the value has been agreed the insurer will meet the agreed amount, less the policy excess without deduction for wear and tear and depreciation. Important: Cover will usually remain on a “market value” basis until the insurer accepts and agrees the value with you – this usually requires completion of an agreed value declaration form, submission of at least 6 photographs of the vehicle first and (depending on the value of the vehicle) they may also require an independent valuation.
An administration charge might be applied to process agreed valuations.
If you are an existing customer please call: 01708 925 059
If you are looking for a quote for a new classic car policy, please call: 01708 564 147
- Horseboxes used as a permanent place of residence
- Claims arising from your Horsebox being used as a place of trade
- Theft of contents unless there is forced entry
- Wear and tear
- Insect or vermin damage
- Most insurers do not offer driving other vehicles benefit, however, we do have some insurers who will cover this
Requirements may change when we leave the EU (after the transition period), so please check your cover before you plan to travel.
Yes, you can add temporary and additional drivers to your policy. This is dependent on the driver’s details being acceptable to your insurer.
If you wish to get a quote for an additional driver please contact us : 01708 770 450.
Requirements may change when we leave the EU (after the transition period), so please check your cover before you plan to travel.
Please contact us as soon as possible. Phone numbers are as follows:
- Grove & Dean Car policy – 01708 925 059
- Grove & Dean Motorhome policy– 01708 564 171
Our staff will check your policy and contact Tracker on 0808 509 0909 to ensure the device has been sent to you.
When you become aware that your vehicle has been stolen, you must first contact the Police. When they give you a crime reference, you need to contract Tracker on 0808 509 0909 so that they can locate your vehicle and liaise with the police so that it can be recovered. If you then need to make an insurance claim, please contact us so that we can assist, on the following numbers:
Grove & Dean – 01708 925 058
In accordance with the Terms & Conditions of your insurance policy, you need to inform us of these changes. When you do, we will automatically advise Tracker of the changes so they can update their records.
For full details of all the above, please see our terms and conditions or contact ourselves or Tracker Network (UK) Ltd.