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.
- 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.
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
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
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
For assistance with your home insurance policy, please check the Frequently Asked Questions below to see if your query can be answered.
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Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.
Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.
Chances are your home will be the most expensive purchase you ever make. Not only that, it's also full of your most cherished possessions which is why different people need different types of home insurance.
If you're a home owner or a first-time buyer you may already be aware that for many mortgage providers, buildings insurance is a condition of the mortgage.
If you're a home owner and live in the property, you may want to purchase both buildings and contents cover as you're responsible for anything that happens to either your home or its contents.
Renters only need to look at contents cover as the property's landlord is responsible for the structural maintenance. However, you should always check the terms of your rental agreement to be sure.
This is optional cover you would need to select cover for personal possessions. unless selected there would be no cover for items away from the home.
Personal Possessions covers clothing and items you own (worth less than £1,500 individually) that you carry with you.
You can choose cover for items such as:
- Mobile phones
- MP3 players
- Pedal Cycles
- Any items worth more than £1,500 individually will need to be specified if you require them to be covered in full, either inside or away from the home.
- For items to be specified, we will need to know the item type, a description and the value. In some instances you may be required to provide proof of valuation.
- Computers, including their components and accessories, but not office equipment
- Televisions, audio and video equipment, DVD/Blu-ray equipment, digital receivers and recorders
- Photographic equipment
Contents Insurance is optional. However, you've worked hard to get your home and everything in it. So it goes without saying that you'd want to protect it with contents insurance coverage.
Contents are items such as furniture, household appliances, personal effects and fixtures and fittings such as carpets and light fittings. We cover a wide range of risks, including fire, theft and flooding.
You would need to contact our claims helpline who will advise how to proceed with your claim. Please see your policy schedule for more information. Or see below:
- For Grove and Dean Home Claims call: 01708 925 302
- For Performance Direct Home Claims call: 01708 925 303
If Grove and Dean Policy Yes it will be included automatically with a provider called Arag
The best number to reach us on is:
- Grove and Dean Home Insurance: 01708 564 161
Home Department Opening Times:
- Monday to Friday: 8:30am - 7:30pm
- Saturday: 9am - 1pm
- Bank Holidays: 10am - 4pm
- CLOSED Sunday
Yes we have 3 different payment options available.
- 1. Single payment
- 2. Monthly direct debit (this does incur interest charges)
- 3. 2 payments (half when the policy is incepted and the 2nd payment 30 days later this again incurs a charge)
Should you wish to make any amendments to the policy please contact us. Please be aware amendments can incur an additional premium as well as an admin fee.
Simply contact our dedicated teams on:
01708 564 161 or email: email@example.com
For assistance with your business insurance policy, please check the Frequently Asked Questions below to see if your query can be answered.
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An Employers’ reference number (ERN) is a unique number given to businesses who are registered with HM Revenue and Customs as an employer. It is also known as an Employer PAYE reference. ERNs must be given to insurers/brokers so that the Employers Liability Tracing Office (ELTO) database can be kept up to date. The purpose of the ELTO database is to provide an efficient way of claimants and their representatives to track the relevant Employers’ Liability insurer in order to make a claim.
The formats for the ERN number are usually:
- 3 numbers / 2 letters and 5 numbers (NNN/Aannnnn).
- 3 numbers / 1 letter and 5 numbers (NNN/Annnnn).
Definition of a Bona Fide Subcontractor:
Bona fide sub-contractors are not employees but independent contractors, usually described as having insurance in their own name. ‘Own insurance’ however, is only one factor that distinguishes Bona Fide Sub Contractors and Labour Only Sub Contractors. Others include:
- Freedom to control the way the work is executed (absence of control by Insured)
- Provision of the materials
- Provision of own tools
- Setting a price for the job; not payment by the hour or day
- Able to provide a substitute individual in case of non-appearance for duties
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 572 505.
By calling us so we can go through the process and discuss any refunds or outstanding balances to be paid. Please use the information below to get in touch:
Simply call us on 01708 572 505 or email: firstname.lastname@example.org