Great value, quality car insurance

Frequently asked questions

Here are the most commonly asked questions based on customer feedback. Please note as of 14th July 2015 Asda Car Insurance has changed. Most of the information below refers to policies bought after that date. If you can’t find the answer you’re looking for then please either email us customerservices@carinsurance.asdamoney.com or call us on 0333 222 4544.

  • How do I get an Asda Car Insurance quote?

    Just get a quick quote online, or if you'd like to speak to one of our team, please call us on 0333 222 4544.

     

  • Who is my car insurance with?
    Asda Car Insurance is arranged and administered by Brightside Insurance Services Ltd.

    You can find out who the underwriters are for your policy by checking your motor policy schedule.

     

  • What is an excess?
    An excess is a contribution that you pay towards the cost of a claim. Your excess will be shown in your motor policy schedule.
  • What if my car is not listed?

    If for some reason you can’t locate your car by its registration, simply enter the details in manually. If you are still experiencing issues please give us a call on 0333 222 4544.

  • How do I get about while my car is being repaired?

    If you have comprehensive cover our approved repairers will give you a courtesy car during any repairs to your vehicle.

    Simply call the claims team on 0333 222 4547 for further information.

    We do offer a substitute vehicle if you have added this optional upgrade to your policy. This would mean you have access to a substitute vehicle when your car has been declared a total loss or if it has been stolen. In this instance we will try to keep you on the road for up to 14 days.

  • Am I covered to drive in other European countries?

    Your policy will automatically cover you to drive in all EU member states as well as those within the EEA, 45 European countries in total. It’s important you check your policy wording before travelling. The level of cover will be the same as you would get in the UK.

  • Do I need ‘business use’ insurance to drive to work?

    No. You can drive your vehicle back and forth to the same place of work and simply opt for social, domestic, pleasure and commuting cover. We can increase your cover if you need to use your vehicle to visit any other sites of business during your working day. We don’t cover any goods or samples carried in connection with business use.

     

  • Is it safe to use my credit/debit card on your site?

    We know how important it is to protect personal information from possible security risks so all of the information you put into our quote form is protected by encryption.

     

  • Can I get instant cover with Asda Car Insurance?

    Yes, we will give cover as soon as you have paid for your policy. Either get a quote online or call us on 0333 222 4544.

  • Can I pay for my annual premium monthly?

    Yes, you can if you're aged 18 or over. Your annual premium can be broken down into monthly payments. However, the total will cost more than if you paid for it in full at the beginning. Terms and conditions apply.

  • Do you charge for making amendments to my policy?

    Yes, a change to your policy will mean you have to pay an additional charge. Please refer to your Terms of Business or contact us for more information.

  • Can I change my car and keep the same policy?

    Yes you can change your car and your premium will most likely change as a result.

    You can change it and get a quote from your online account.

    If you are still not sure what the change would be to your premium, please call us on 0333 222 4544.

  • Do I need to provide proof of my no claims bonus?

    Yes, you need to send this to us within 23 days of your new policy starting. If you don’t provide us with proof then your discount will be adjusted, and your policy may be cancelled.

    You can send us your proof of NCD from your mobile phone to 07537416059.

    If you are having difficulties getting hold of proof, let us know. We may be able to help you find it by contacting your previous insurer. For help please contact us via email: customerservices@carinsurance.asdamoney.com.

  • Why do I need to send to you a copy of my Driving Licence?

    To make sure all your details are accurate, we need you to provide us with a copy of the the front and rear of driving licence photocards and counterparts for you and any other drivers named on your policy.

    You can also send us a copies from your mobile phone to 07537416059.

    For help please contact us via email customerservices@carinsurance.asdamoney.com or call us on 0333 222 4544.

  • Where do I need to send the copies of my driving licence and my proof of No Claims Discount?

    The quickest and easiest way to send your documents to us is to scan /forward them by either sending:-

    An email to validations@carinsurance.asdamoney.com

    A text to 07537416059

    Post to;

    Validations Team
    Asda Car Insurance
    Brightside Park
    Severn Bridge
    Aust
    Bristol
    BS35 4BL

    Please make sure that they reach us within 23 days of your policy starting. If you are having difficulties getting hold of proof, let us know. For help please contact us via email customerservices@carinsurance.asdamoney.com or call us on 0333 222 4544.

  • Why have you sent me a letter / email saying I need to send my driving licence and/or proof of No Claims Discount to you, when I have already sent them?

    We automatically send out chaser emails and letters if we have not received your documents. If you have already sent them, we will write to you confirming when we have received and validated them.

    Sometimes your documents and our reminders will cross in the post. 

    If you are concerned that we have not received your documents please contact us by email customerservices@carinsurance.asdamoney.com or call us on 0333 222 4544.

  • Am I insured to drive other vehicles?

    If you are covered, this information can be found on your Certificate of Motor Insurance. Please refer to this as well as the terms and conditions in your policy wording.

  • Will I lose my no claims bonus for an accident which was not my fault?

    No, as long as your claim settlement has been fully recovered by your insurer, which means the third party’s insurer has paid for all of the damage to your vehicle, you will not lose any of your No Claims Discount (NCD). If you have at least 4 years NCD you can choose to protect your insurance for an additional cost. Then even if the accident was your fault your NCD will not be affected. 

  • Do I need to make you aware if I have had a conviction within this period of insurance?

    Yes, you need to tell us as soon as you receive any convictions. This will not affect your current premium but may at renewal.

  • Can I increase or decrease my excess amount?

    Yes, you can adjust your voluntary excess before you get a quote, or at renewal.

  • How much notice do I need to give if I am going to change my address?

    Please let us know as soon as you’ve moved, so that we can amend your policy details and adjust your premium.

  • Am I able to use my vehicle for business purposes?

    This depends on the options you choose when buying your policy.

    Please see our quick quide below:

     

    Class of use  Scope of Use Full Cover applies to Exclusions 
    SDP Social domestic and pleasure purposes only.   Hiring, racing, competitions, track days, rallies or trials (other than road safety rallies or treasure hunts), travelling to and from a place of employment or study, commercial travelling, business use, use for tuition, use for hire or reward for fast food delivery or as a courier, carrying passengers for hire or reward or for any purpose in connection with the motor trade.
    SDPC Social domestic and pleasure purposes and travelling to and from a place of employment or study. All Named Drivers Hiring, racing, competitions, track days, rallies or trials (other than road safety rallies or treasure hunts), commercial travelling, business use, use for tuition, use for hire or reward for fast food delivery or as a courier, carrying passengers for hire or reward or for any purpose in connection with the motor trade.
    Business Class 1 Social domestic and pleasure purposes and travelling to and from a place of employment or study. Use for the Policyholder or Spouse in connection with his/her business or profession. Policy holder and Spouse only Hiring, racing, competitions, track days, rallies or trials (other than road safety rallies or treasure hunts), commercial travelling, use for tuition, use for hire or reward for fast food delivery or as a courier, carrying passengers for hire or reward or for any purpose in connection with the motor trade.
    Business Class 2 Social domestic and pleasure purposes and travelling to and from a place of employment or study. Use for all drivers in connection with the Policyholder's business or profession and for the business of the policyholder's employer or business partner. Use for all drivers in connection with the Policyholder's business or profession and for the business of the policyholder's employer or business partner.

    Hiring, racing, competitions, track days, rallies or trials (other than road safety rallies or treasure hunts), commercial travelling, use for tuition, use for hire or reward for fast food delivery or as a courier, carrying passengers for hire or reward or for any purpose in connection with the motor trade.

    If you’re still not sure, please email us at customerservices@carinsurance.asdamoney.com

  • What do I do if I breakdown?

    Please check your policy documents to confirm who your breakdown provider is. They're available 24 hours a day, 7 days a week.

    • If your breakdown policy is provided by Britannia, their number is 0800 202 8192
    • If your breakdown policy is provided by RAC, please call 0333 202 1867
  • Do I need to contact you to arrange renewal of my policy?

    Full details of your renewal will be sent to you before your renewal is due. We will call you to invite you to renew, alternatively you can call us on 0333 222 4544.

  • Can I obtain proof of my no claims bonus from you?

    Yes, we will email you your proof of No Claims Discount as soon as your policy has ended. If you would like to receive it sooner you may be able to get it by logging in to your online account. If your policy has ended and you have still not received it, please email us at customerservices@carinsurance.asdamoney.com.

  • How do I make a new claim?

    To make a claim please call us on 0333 222 4547

    You will need to tell us:

    • If you need immediate help
    • Your name
    • Your location
    • Names and contact details of anyone involved in the incident including witnesses
    • The damage to your vehicle
  • How can I find out what is happening with my claim?

    To find out about an existing claim please call 0333 222 4547. Please ensure you have your policy number to hand.


    We will then confirm the following:

    • Whether you are covered for the incident
    • If you have to pay anything and if so, how much
    • If you are eligible for a hire or courtesy car
    • The next steps to settling your claim
  • Do I have cover for my windscreen?

    Windscreen cover is included on all Asda 5 Star and Asda Value comprehensive car insurance policies.

  • Your insurance has 5 Stars from Defaqto. What does this mean for me?
    Defaqto are an independent research company that rate insurance products from 1-5 stars. Your Asda 5 Star Car Insurance policy has been rated 5 star, making it a market leading product.

     

  • Can I add multiple drivers to my policy?

    Yes, you may be able to add up to 4 additional drivers to your policy at any time.

    You can add them at the start of a new quote or by making a change to your current policy (see question below - Can I manage my policy online?).

  • Can I manage my policy online?

    If you have an online account, you can make changes to your policy and access your policy documents online by logging in using the links below.

    Asda 5 Star policies beginning with AM login here

    Asda Value policies beginning with AV login here

    All other policies login here

    If you do not have an online account, please call us on 0333 222 4544 to make any policy changes.

  • Where can I find the number for my local store?

    Contact details for all Asda stores can be found at www.asda.com.

  • Am I eligible for the 10% cashback offer?

    Asda Money is offering 10% cashback on car insurance when you use your Asda Money Credit Card and pay annually in full (excludes monthly direct debit). Representative 18.9% APR Variable.

    Upon purchasing or renewing your annual Asda Money insurance policy with your Asda Money Credit Card, 10% cashback will be applied automatically on to your next Asda Money Credit Card statement. Should you cancel your policy at any point, within the policy year, the 10% cashback will be deducted from the following Asda Money Credit Card statement. This offer does not affect your right to cancel the policy. The cashback is facilitated by your Asda Money Credit Card provider, and not supplied by your insurance provider. All Asda Money insurance policy payments must be paid in full and not by direct debit. Asda Money insurance policies included in the offer are as follows; Van and Car (excludes any other policies purchased through the Asda Comparison Service), Home, Pet, Annual Travel (not a single trip), UK or European Breakdown Cover (Roadside Cover not included). This cashback offer is valid for a limited time only, from 14th July 2015 to 11.59pm 31st October 2015. To ensure you benefit from this offer ensure your application is submitted by 30th September 2015.

  • How do I claim my FREE MOT?

    You should be sent a voucher 30 days after your policy starts.

    To get your free MOT simply contact your local Halfords Autocentre to book an MOT and present your voucher with your vehicle registration number.

    Please view our full terms and conditions here.

    We wish you happy and safe driving from Asda Money.

     

Asda Car Insurance Comparison Service

  • Why do you offer a comparison service as well as your Asda Car Insurance product?

    Quality, clear and fair cover is as much of a priority for us as driving down low cost premiums. We believe in giving you the control to decide what product you need. Simply obtain a quote online and we will present back to you a selection of results from Asda and other providers, enabling you to choose which ever product suits your needs and budget.

  • How does the Asda Comparison Service work?

    Asda works with a network of car insurance providers who allow their products and prices to be presented within the Asda Car Insurance Comparison quote system.

    • Enter your details though the Asda Comparison Service quote journey
    • We then display quotes from either or both our Asda 5 Star and Asda Value Car Insurance products
    • We also request quotes from other insurance providers that match your cover needs

    You will be able to compare

    • Prices
    • Cover levels
    • Exclusions
    • Excesses
    • Policy features
    • Optional Add ons

    No advice is provided via this comparison service. If you have any queries about your Asda Car Insurance quote or the comparison service itself, please just give us a call on the same number featured on the web page you are on.