Before you buy or switch

These pages explain specific questions that can arise while completing a car-insurance quotation. They provide factual information about terminology, vehicle use, driver details, cover features and pricing factors; they do not recommend a particular policy or option.

Buying & switching

• When does car insurance need to start when collecting a car?
• Can car insurance quotes be obtained before the registration number is known?
• Can car insurance be arranged before the car is registered in the buyer's name?
• What happens if one car insurance policy ends before the next one starts?

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Drivers & household

• How does adding a parent as a named driver affect car insurance?
• How is occasional driving by a partner covered on car insurance?
• How does car insurance treat a student who uses the family car at university?
• How is one car insured when a couple live at different addresses?

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Mileage, commuting & work

• Does commuting two days a week count as commuting for car insurance?
• Does one office journey a week count as commuting for car insurance?
• Does driving to a station on the way to work count as commuting?
• How does car insurance treat journeys to two different workplaces?

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Vehicle details & modifications

• How are factory-fitted options treated on a car insurance quote?
• Does a towbar count as a car insurance modification?
• How is a dashcam treated on a car insurance quote?
• How do aftermarket alloy wheels affect a car insurance quote?

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Cover choices & price

• How does changing the voluntary excess affect a car insurance quote?
• How do monthly and annual car insurance payments differ?
• What does motor legal protection add to car insurance?
• What does courtesy-car cover provide on a car insurance policy?

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