Private Car
Frequently Asked Questions
- What is the standard policy excess?
- Can the insured have Green Card/Foreign Use cover?
- What do we cover on greencards?
- Can we provide cover for Imported Vehicles?
- What is the young driver excess?
- Can modified vehicles be covered under Power Point Club?
- Can you have more than one vehicle on cover?
- Can policies be issued in a company name?
- Are trailers covered under Power Point Club policies?
- Is laid up cover available?
- Can policies be suspended?
- How do we obtain NCD proof?
- Can we match NUD quotes?
- Can we change the insured mid-term?
- Can we process temporary alterations on Power Point Club policies?
- Can we allow protected NCD on a new case where there has been one at fault claims during the last two years?
- When will I receive Electronic renewal invitations for Private Car?
A. £200 ADF&T, £75 glass
A. A Green Card is not required as NU is now a member of the Euro Insurance Bureau. However, if a Green Card is required, please contact your regional Personal Lines team for cover to be issued.
A. Our policy is extended to full cover while the policyholders car is visiting the EU and certain other countries. Although all the countries concerned have signed an agreement whereby Green Cards are no longer required to pass from one country to another, we advise that if a policyholder is visiting a country which recently joined the EU on 1st May 2004, that you call your usual Customer Services area for a manual Green Card to be issued.
We also recommend that policyholders contact us before making their first trip to the continent so that they can obtain useful information concerning driving in Europe, addresses of who to contact in the event of an accident and a multi-lingual statement confirming their insurance statement.
Countries included in the territorial limits of the policy
Andorra, Austria, Belgium, Croatia*, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (inc. Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy (inc. San Marino, Vatican), Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland (inc. Litchenstein).
Those shown in BOLD joined the EU on 1st May 2004 & require a manual Green Card to be issued to the policyholder.
* Croatia is not a member of the EU countries at this stage but is being included to bring our policies in line with our Commercial Motor Insurance policies.
As long as the policyholder's visit is confined to these countries, advise that there is no charge and provide a continental use pack.
Other Green Card Countries
Bulgaria, Israel, Morocco, Romania, Slovenia, Tunisia & Turkey.
Ask your local office for a Green Card, provide the policyholder a continental use pack.
Quote the following rates:
Additional premium per 7 day period or part
Car Group Comp TPFT TPO| Car Group | Comp | TPFT | TPO |
|---|---|---|---|
| 1 - 7 | �27 | �19 | �16 |
| 8 - 12 | �37 | �25 | �23 |
| 13 - 16 | �75 | �51 | �47 |
| 17 - 20 | �107 | �72 | �65 |
Rates may be reduced by NCD earned by the vehicle. Minimum Premium �30
If the policyholder is visiting a number of countries, only some of which are chargeable, you may relate the premium to the estimated time in the chargeable country, rather than the trip as a whole.
Refer any requests for Continental Use in excess of 3 months where a chargeable country is involved.
We are not prepared to provide cover in any of the following Green Card countries;
Albania, Bosnia, Former Yugoslav Republic of Macedonia, Moldova, Ukraine, Yugoslavia, Iran & Iraq.
Any other countries
We are not prepared to offer cover in any other countries, as they are not members of the Green Card system.
Notes
The vehicle must normally be kept in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
Use of the vehicle for visits outside GB, NI, CI or IOM must be of a temporary nature, not exceeding 3 months in any one trip. Trips in excess of this must be referred to your usual Norwich Union contact.
Where a loading applies to the UK premium for accidents/losses or convictions this should be applied to the rates above.
A UK Green Card should not be issued for a vehicle that does not have a UK registration plate.
The cover provided under Green Cards issued for Cyprus is restricted to the geographical parts of Cyprus which are under control of the Government of the Republic of Cyprus.
A. Any vehicle not catered for by your software house and not covered under the following categories must be referred to your local Customer Services area for acceptance & rating, if we agree to issue cover it will be on a manual policy.
To enable us to put an accurate rating on any referred vehicle it is important to supply as much information as possible. Please ascertain the following information before referring to us.
- Manufacturer & full model description
- Engine capacity - Either cubic centimetres or cubic inches for American cars
- Petrol/Diesel/Electric
- Fuel Injected/Turbocharged/Supercharged
- Brake Horse Power (if known)
- Body type
- No of seats
- Year of Make
- Value
- Doors
- Transmission
If the vehicle is imported, we need to know which country it has come from and whether it is similar to one available in this country.
Introductory NCD for additional vehicles
For proposers with more than one private car insured with Norwich Union. Applicable to individuals where the main user:
- Is accident, loss and conviction free (except for one category A offence) in the last 12 months
- Has no loading applied to the risk on account of experience
- Registered keeper must be the proposer/spouse/domestic partner
Driving Option NCD Level
Insured Only or Insured & Spouse Allow same number of years NCD as earned on the first car.
Named Driver or open Driving Allow same number of years NCD as earned on the first car up to a max of 2 years.
Where driving on both (all) vehicles in restricted to policyholder only or insured and spouse only then NCD can be matched on a like for like basis.
A.
Damage to your car other than by fire or theft;
- Aged 20 or under - �370
- Aged 21 to 24 - �270
Damage to your car arising from fire or theft;
- Aged 20 or under - �120
- Aged 21 to 24 - �120
A. No. Modified vehicles cannot be covered under the Power Point Club contract. All modified vehicles should be referred to Customer Services for a manual quote and subsequent manual policy.
A. No. Power Point Club is a one vehicle contract. Any additional vehicles should be processed as a separate new policy.
A. No. All Powerpoint Club policies must be in individuals' names. Company owned vehicles are not acceptable when the policy is NOT in the company name. All company policies should be referred to your regional Personal Lines team for a manual quote.
A. There is no provision to cover Trailers or Horseboxes under the Power Point Club contract.
A. Yes, laid up cover is available (except on Just Car), but you will not be able to process this on your software house system.
If a Vehicle requires laid-up cover, then the certificate should be recovered from the customer and retained on your clients file. You must then advise your regional Customer Services area and they will electronically note the clients policy.
When the request to reinstate cover is received a manual covernote must be issued to the customer and a copy sent to the regional Customer Service area, advising the period the vehicle has been Laid-up. The regional office will then calculate the RP required.
A. Unfortunately it is not possible to suspend cover under a Power Point Club policy when the vehicle has been sold. The policy must be cancelled and reissued when a new vehicle is purchased.
A. NCD proof cannot be issued via your software system. NCD proof can only be issued once the policy shows as cancelled/lapsed. Requests should be made direct via your regional Personal Lines team.
A. We can match NUD quotes, if on a like for like basis at renewal only. New business is not acceptable. We will only match those quotes obtained over the phone; quotes obtained via the Internet are not acceptable. Contact the E-broking Support team who will verify the details and issue an override code if necessary.
A. Unfortunately this is not possible. The policy will have to be cancelled and reissued in the new insured's name.
A. Yes. However depending on the software system that you use, this will either be via your system or agreed and actioned manually, by Customer Services, by means of a covernote etc.
A. Yes. This is only allowed if the proposer has had a fault claim within the two years immediately prior to inception. This claim will, however, count towards the two claims allowed in any five year period.
A. Renewal premiums are calculated 29 days prior to the renewal date. Norwich Union sends this information direct to your software system/software provider the same evening.
Brokers who run the renewals report the following day are therefore assured of getting their renewal invitations as soon as they are available.
If you are unsure how to run this report, please refer to the specific instructions provided by your software house. Alternatively please contact e-broking support.
