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Car insurance frequently asked questions - Please cllick on the relevant question to view the answers.

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There are a number of options. Annual premiums can be paid by credit card, cheque, debit card or 'Maestro'. You can also choose to set up a Direct Debit, to ensure regular yearly renewal although we will need to take the first month’s deposit before we can set up cover. Payment by installments is also an option with all policies - there is a small administration fee of £1.50 per month for this. For full details, ask our fully trained staff on Freephone 0800 052 5250.
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Yes, if you wish to pay by Direct Debit there is a small administration charge of £1.50 per month for car insurance.
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Our claims lines are open every day, 365 days of the year. Our friendly operators will be there to assist and advise you. Your claim number is printed on the policy summary as well as your policy book.
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We aim to deliver a high standard of service at all times but should you ever have a reason to complain please go to our complaints page.
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If you are not satisfied with your policy, you have 14 days from receipt of your policy documents to cancel it. To cancel, please call 0845 650 0345. You can still cancel your policy after this 14-day period - full details can be found in your policy booklet (which you receive after you take out the policy).
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No, unfortunately you are not. However, if you are named on your spouse’s car insurance, we may be able to offer you an introductory bonus.
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Yes, a courtesy car will be provided whilst your car is being repaired by your insurer's selected garage.
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 Our policies differ depending on customer requirements, so you should check your Certificate of Motor insurance to see if you are covered.
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Please email us if your circumstances change or call 0845 650 0345.
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Every claim is reviewed and it is down to the underwriter of your insurance to calculate the effect the claim will have on your NCD. You can protect your NCD and it will also enable you to claim for a set amount of accidents without seeing a loss or reduction to your NCD.
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Your Certificate of Motor Insurance will be issued straight away.
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Yes, contact us and we will extend your existing cover to travel within the European Union (EU) for up to 90 days. If you wish to drive outside of the UK and the EU, please contact us so we can arrange for suitable cover.
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Even though RIAS specialise in providing insurance to the over 50s, we are still able to provide you with a quote for insurance. Our sister company, Autodirect, can also provide quotations for the under 50s, visit the AutoDirect website here.