You can choose to cover your car comprehensive, third party fire & theft or third party only.

Third party only
This is the minimum cover we can offer under our policy. It covers:

1. • Death or injury to another person caused by your vehicle
2. • Emergency treatment and/or hospital fees for third parties
3. • Third party property damage

Third party fire & theft
In addition to the cover under third party only this includes:

1. • Damage to the vehicle by fire.
2. • Theft of the vehicle.
3. • Attempted theft damage.

Comprehensive
In addition to Third Party Fire & Theft cover this extends to include:

1. • Accidental damage to the vehicle.
2. • Windscreen/Glass damage.
3. • Personal accident benefits + Medical Expenses.
4. • Personal effects and clothing up to £100.

We may give the policyholder THIRD PARTY cover when driving any other car, which is not owned or leased by them. Note that there is no cover for loss of or damage to that car.

Please note: if you are eligible for this cover we will automatically include this within your policy, and it will be stated on your insurance certificate. This cover is not available as an optional extra.

The following classes of use are available:

Class X

This class of use is for the policyholder and named drivers using the vehicle for social, domestic and pleasure use only. There is no commuting or business use included. Use for social, domestic and pleasure purposes. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or use for any business purpose or travel between home and a permanent place of business. Any purpose in connection with the Motor Trade.

Class S

This class of use is for the policyholder and named drivers also using the vehicle for travelling to and from one permanent place of work. Use for social, domestic and pleasure purposes including travel between home and a permanent place of business. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunting), rallies, speed testing or for any business purposes. Any purpose in connection with the Motor Trade.

Class 1

This class of use is for the policyholder or spouse using the vehicle to travel to more than one place of work. Other named drivers only have social, domestic and pleasure use. Use for social domestic and pleasure purposes and by the insured and spouse in person in connection with his/her business or profession. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or van and commercial travelling. Any purpose in connection with the Motor Trade.

Class 2

This permits use of the vehicle in connection with the policyholder's business but excludes commercial travelling. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or van and commercial travelling. Any purpose in connection with the Motor Trade. Excludes commercial travelling.

Class 3

This permits use of the vehicle in connection with the policyholder's business including commercial travelling, this would include such occupations as salesmen. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing. Any purpose in connection with the Motor Trade.

1. Note the registration number of the other vehicle(s) involved.

2. Obtain the names and address of the other witnesses. Also obtain the name, address and policy number of the other party's insurer.

3. Make a sketch plan of the scene of the accident and make a note of the road name, and the address of any property that has been damaged.

4. Do not admit responsibility or sign any statement to this effect. It is appreciated that due to the circumstances of the incident this may cause offence to the other party involved. Your best response is to state that your insurance policy prohibits you from admitting liability without your insurers written agreement.

5. If the accident results in damage to another vehicle, an animal or other property, to comply with the law you must stop and give your name, address, and registration particulars of the vehicle (along with owner's name and address, if different).

6. If anyone other than yourself is injured you must show your Insurance Certificate to the police or to any other person reasonably asking. If you cannot do this at this time of the accident, report to the police as soon as possible and, in any case, within 24 hours.

7. If you have caused damage to another vehicle or property, you must also show your insurance certificate to any person reasonably requiring you to do so.

If your cover is comprehensive the reasonable cost of removal of your vehicle will form part of your claim against your insurer, subject to the deduction of any excess applicable. If, however, you do not have comprehensive cover then you must make your own arrangements to have the vehicle removed at your own expense. If the accident was not your responsibility then you may be able to recover the cost from the other party involved.

If you have comprehensive cover and wish to claim under the policy, specific instructions will be given to you when you contact the Claims Line to notify them of the accident. You should not authorise repairs without the approval of your insurer.

If you are not insured for comprehensive risks, then your own damage is not covered under your policy and you are therefore free to arrange repairs, at your own expense, at a garage of your choice. If the accident was not your responsibility you may be able to recover the cost from the other party involved.

It is a requirement of your policy to notify your insurer of every letter, claim, writ, summons and any other document that you receive. Please forward any correspondence received immediately to your insurer (do not answer or acknowledge it) You must also tell your insurer of any impending prosecution, coroner's inquest or fatal accident inquiry involving any person insured by the policy.

Not under your policy. If the accident is the fault of someone else and you feel it is necessary to hire alternative transport then contact the Claims Line for advice. It may be possible to them to arrange this for you. Subject to availability, the garage that is repairing your vehicle may provide a courtesy car.

Providing windscreen/glass is covered by your policy you should contact the Claims Line on 0844 335 0468* within the opening hours:

1. • 0800 - 2000 Monday - Friday
2. • 0900 - 1400 Saturday

You will be advised to contact AA Autowindshields on 0844 561 1733. You will be required to pay a windscreen/glass excess for replacement costs. No excess applies for repairs.

If you chose not to use AA Autowindshields then you must contact the Claims Line for advice. The receipted account for repair/replacement is to be sent to your insurer. Your insurer will then reimburse you, less the excess, up to a maximum value of £150.

The insurance company will offer you an amount that they consider to be the market value for an average car of that age and mileage. The insurer invariably makes cash settlements. This means as a customer, you do not have to trade in a vehicle and so are able to negotiate a much lower price for the purchase.

Subject to the purchase of optional Motor Legal Protection cover, Ultimate Insurance solutions will help you to recover your losses if you were not at fault for the accident. Contact the Claims Line on 0844 335 0468* for advice.

Excess is the amount you pay if you make a claim for loss or damage of your vehicle. If the accident is not your fault you may be able to claim a reimbursement from the person at fault. You have a choice of voluntary or compulsory excess (see below).

The insurance company may only be prepared to grant cover if you agree to pay the first amount towards any claim. Most frequently, young drivers have to bear an excess which may be as much as £500. There is typically a compulsory excess for fire, theft and accidental damage of £100 on every policy.

When you take out an insurance policy you may obtain a discount on the premium if you agree to pay towards the cost of any claim for loss or damage to your vehicle.

Yes, but only if you are satisfied with the quality of the repair. You should always retain a receipt, as this will be required if a claim for uninsured losses is to be pursued

Our Excess Recovery Cover is designed to help you do this. Your excess could be reimbursed depending upon what level of Excess Recovery Cover you purchase. This can include compulsory and voluntary excess amounts. This additional optional extra offers three levels of cover to choose from. Click here for more details.

It allows police to track a stolen vehicle via an electronic signal emitted from a sensor concealed in the car. masterquote offers up to 10% discount off your premium if the car is fitted with a tracking device.

The Thatcham Motor Insurance Repair Research Centre evaluates the effectiveness of car security products against The British Insurance Industry's Criteria for Vehicle Security. masterquote offers up to 10% discount if the vehicle is fitted with a Thatcham One Security Device. Some vehicles will only be covered with these devices and in this instance no discount will apply.

Yes. We are able to offer several methods of payment by instalments. We are able to accept instalments by direct debit from a current account. Instalment payments are subject to interest charges - details are available on request. We are also able to accept full payment by credit/debit or switch card or by cheque or postal orders.

Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. For more information on our site security, please click on the Verisign Image.

Duplicate Documents	£25 per document
All mid term adjustments	£25 per change
Cancellation of the policy within the first 14 days	Provided that there has not been a total loss claim and you have called us or written to us within the 14 days to confirm cancellation we will make a charge for the time you have been on cover plus £20.
After 14 days (Private Car)	£65

Practices vary between insurers with regard to premium refunds on cancellation, so please refer to your policy documentation to find out what premium, if any, is refundable.

If you have any general queries including change of address, change of vehicle, courtesy car cover, etc. Please do not hesitate to contact us either by clicking here or telephone on 0844 335 1028.

Lines are open 8.00am to 8.00pm Monday to Friday and 9.00am to 2.00pm on Saturdays.

Call us now on 0800 032 2297 where one of our experience operators will be happy to help you. Our opening hours are Monday to Friday 8.00 am to 8.00pm and Saturday 9.00am to 2.00pm.

Yes. Providing you have been offered a quotation and are able to pay at least a deposit by credit or debit card. We do not accept Electron. We will accept cheques or postal orders in full payment only. Cover can only be provided once we have received these.

If you paid for last year's policy in one lump sum we will send you an invitation to renew. We will need to receive your payment for this year's renewal before the renewal date to ensure continuous cover. Please call us on 0844 335 1527* to arrange for payment to be taken from your credit/debit card; alternatively you may send a cheque or postal order for the full amount made payable to BDML Connect Ltd.

If you paid by monthly direct debit from your bank account last year we may automatically renew your policy this year on the same bank details and advise you of the new monthly instalments. Written confirmation will be sent outlining our intentions. If you wish to continue your policy you do not need to do anything; we will include a certificate within your documentation. However, if you decide not to renew you must return the Certificate of Motor Insurance in the pre-paid envelope provided before the renewal date and cancel your direct debit instructions to your bank to stop any further payments being debited from your account.

If you paid last year by monthly payments from your credit card we will send you an invitation to renew; we will not automatically renew your policy.

We'll do our best to keep your renewal premium as low as possible. If you have four years or less No Claim Discount and have not made a claim during your time with us, you'll get a further year's No Claim Discount. This may reduce your premium, but rate increases during the year may mean your premium is still higher than last year.

If we already know about the claim before you receive your renewal invitation, your No Claim Discount entitlement will have been amended and your renewal premium revised to take the claim into account.

If you make a claim and you've already received your renewal invitation, we will have to amend your No Claim Discount entitlement and revise your premium.

We will let you know what your new premium is as soon as we are notified about the claim.

If you want to make a change to your policy you can email us by clicking here or call us on 0844 335 1527* before your renewal date with details of your change and an operator will be pleased to help you.

You may be able to protect your No Claim Discount as long as you have a minimum of 4 years.

If you have had a motoring conviction during the year you must give us full details when renewing the policy.

A modification is any change to the car from the manufacturer's original specification; for example fitting alloy wheels, body styling kits and sports exhausts. You must tell us about this immediately.

If you decide you don't want to renew your policy and last year you paid in full by either cheque or credit/debit card you do not need to do anything. If we do not receive your payment by your renewal date the policy will lapse and there will be no further cover in place, please call us on 0844 335 1527* if you require your proof of No Claim Discount.

If you decide you don't want to renew your policy, and you have received a Certificate of Motor Insurance from us because last year you paid by monthly direct debit from your bank account, please send it back straight away with a letter saying you don't want to renew your policy to:

masterquote
Renewals Department
1000 Lakeside,
North Harbour,
Western Road,
Portsmouth PO6 3EN

Remember to cancel your direct debit instruction to your bank.

A Certificate of Motor Insurance is a legal document and it's return is required by law. If we don't get it back you will be charged for the continuation of your cover. Once we receive your certificate we will cancel your policy.

If you choose not to renew your policy we can send you your proof of No Claim Discount when the policy has expired. If you do renew your policy your proof of No Claim Discount is shown on your Schedule of Motor Insurance.

1. Your right to cancel the policy during the first 14 days

You have the legal right to cancel your policy within 14 days of the day that you receive the policy documents. Just telephone us or write to us:

masterquote
Customer Services Department
1000 Lakeside,
North Harbour,
Western Road,
Portsmouth PO6 3EN

Asking for the policy to be cancelled and enclose your Certificate of Motor Insurance. You will be charged for the time you have been on cover plus a fee for the work we have done to arrange the policy.

2. Your right to cancel the policy after the first 14 days

Telephone or write to us asking for the policy to be cancelled and return your Certificate of Motor Insurance. If you have been paying by direct debit instalments, remember to cancel your instruction to your bank.

The cancellation charges are shown on our terms of business documents that are issued with New Business and Renewals Documents.  Please click here to view our Terms of Business online.

Upon receipt of the documents you will receive a cancellation breakdown that will be sent to you outlining the amount due and to be paid.

No. Insurers will not allow any refund if there has been a claim during the period of insurance. If there have not been any claims during the policy period then a refund will be allowed in direct proportion to the time the policy has been in force although an administration charge will be made. masterquote clearly shows these charges as part of the written quotation.

If the policy is cancelled the following charges apply:

Duplicate Documents	£25 per document
All mid term adjustments	£25 per change
Cancellation of the policy within the first 14 days	Provided that there has not been a total loss claim and you have called us or written to us within the 14 days to confirm cancellation we will make a charge for the time you have been on cover plus £20.
After 14 days (Private Car)	£65

Practices vary between insurers with regard to premium refunds on cancellation, so please refer to your policy documentation to find out what premium, if any, is refundable.

Once we have set up your policy, we will send you your policy documentation promptly.

Your certificate of Motor insurance provides the legal minimum insurance requirements when travelling in EU countries.

If you wish to enjoy peace of mind and benefit from the level of cover you enjoy in the UK you must contact us in advance of any journey.

A green card is no longer required to visit EU countries. You are entitled to be covered for up to 90 days in one policy year as long as you notify us in advance of travel. Your Certificate of Motor Insurance must be carried as evidence of insurance and we must be notified of all dates and countries visited.

If you wish to travel to a non-EU country, then you will need to contact our Customer Services Department, as we need to refer this to the relevant Insurer for approval. There will usually be a weekly charge, plus our £20 administration fee. Please note that some Insurers may decline cover outside the EU.

The simple answer is that you don't, but if you have a mortgage it will be a requirement of the mortgage company to have insurance for the buildings. Home insurance will provide you with 'peace of mind' knowing that your buildings and contents are covered against events such as theft, fire and flood. Further information is contained in the policy wording available on line.

The choices are: Buildings, Contents and Personal Possessions cover (Personal Possessions cover can only be included in your policy if contents has already been selected). Further information is contained in the policy wording available online.

The full cost of reconstruction of your buildings in the same form, size, style and condition.

A listed building is a protection given by the local authority.

Your house, including its fixtures and fittings, outbuildings, garages and greenhouses, which are all designed and used for domestic purposes and must form part of the property.

You should insure your contents for the value it would cost you to replace them as new. The settlement of the claim may be less a deduction for wear and tear of clothing, linen and pedal cycles; our minimum contents cover is £15,000.

If you already have a motor policy directly with masterquote you will be entitled to a 10% discount.

Pedal cycles are covered up to a limit of £500 if you have personal possessions cover.

Your PC will be covered for selected events as part of Contents cover.

Yes up to £5,000 for business equiptment.

Yes, a limited amount of accidental damage cover is included as part of the standard contents cover package. If you wish to be covered for full accidental damage, you should extend your cover accordingly. Full details are available in the policy wording.

We offer accidental damage cover on contents and buildings as an optional extension for an additional premium.

Excess is the amount you pay if you make a claim for loss or damage to your property. Please click here to see the full policy wording

Yes, if you are a member of a Neighbourhood Watch Scheme, have approved security locks or a maintained and approved home security system we may be able to offer you further reductions in your premiums.

Yes, if you have approved security locks we may be able to offer you a further reduction in your premium.

If you would like to buy your policy online, we can accept payment from your credit or debit card in one lump sum. or by direct debit in one lump sum or monthly instalments. You are able to choose the date we apply for your monthly instalments; if you would prefer to do this you will need to call us.

Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties.

You must tell us as soon as possible when any of your information changes once you have bought a masterquote policy. We may then re-assess your cover and premium. If you do not tell us about any relevant changes, we may reject or reduce any claim or you may be treated as being uninsured. We may charge an administration fee for any changes you make to your policy details during the period of cover.

Duplicate Documents	£25 per document
All mid term adjustments	£25 per change
Cancellation of the policy within the first 14 days	Provided you have telephoned us or written to us the certificate of motor insurance has been returned to us, a pro rata charge for cover given and an administration charge of £20 will be made if you decide to cancel the policy within 14 days of receipt of policy documents.
After 14 days (Private Car)	£65

Practices vary between insurers with regard to premium refunds on cancellation, so please refer to your policy documentation to find out what premium, if any, is refundable.

The full premium is payable if any claim has been reported.

If you have any general queries including change of address etc. please do not hesitate to contact us either by clicking here or telephone on 0844 335 1028. Lines are open 8.00am to 8.00pm Monday to Friday and 9.00am to 2.00pm on Saturdays.

There are two things you can do. Either email us and we will do what we can for you at our earliest convenience or you can phone our operators on 0870 241 2602* between 8am and 8pm Monday to Friday or from 9am to 5pm on Saturday.

Yes. Providing you have been offered a quotation and are able to pay at least a deposit by credit or debit or switch card. We do not accept Electron or American Express cards. We will accept cheques or postal orders as methods of payment; however, these methods will not provide you with immediate cover.

If you paid for last year's policy by credit/debit card or cheque we will send you an invitation to renew. We will need to receive your payment for this years renewal before the renewal date to ensure continuous cover. Please call us on 0870 606 1363* to arrange for payment to be taken from your credit/debit card; alternatively you may send a cheque for the full amount made payable to BDML Connect Ltd.

If you paid by monthly direct debit from your bank account last year we may automatically renew your policy this year on the same bank details and advise you of the new monthly instalments. Written confirmation will be sent outlining our intentions. If you wish to continue your policy you do not need to do anything; we will include a Schedule of Home Insurance within your documentation. However, if you decide not to renew please telephone or write to us. Please cancel your direct debit at the bank.

If you paid last year by monthly payments from your debit card we will send you an invitation to renew, we will not automatically renew your policy. You will need to contact us to either take payment in full or make arrangements for instalments to be collected from your bank account.

We'll do our best to keep your renewal premium as low as possible. We do offer a No Claims Discount If you have not made a claim during the policy year with us. This will reduce your premium, but rate increases during the year may mean your premium is still higher than last year.

If we already know about the claim before you receive your renewal invitation, your No Claim Discount entitlement will have been amended and your renewal premium revised to take the claim into account.

If you make a claim and you've already received your renewal invitation, we will have to amend your No Claim Discount entitlement and revise your premium.

We will let you know what your new premium is as soon as we are notified about the claim.

If you want to make a change to your policy you can email us by clicking here or call us on 0844 335 1527* before your renewal date with details of your change and an operator will be pleased to help you.

No. You are unable to protect household No Claim Discount.

If you decide you don't want to renew your policy and last year you paid in full by either cheque or credit/debit card you do not need to do anything. If we do not receive your payment by your renewal date the policy will lapse and there will be no further cover in place.

If you decide you don't want to renew your policy, and you have received a Schedule of Home Insurance from us because last year you paid by monthly direct debit from your bank account. Please telephone or write to us and remember to cancel the direct debit instruction at the bank.

masterquote
1000 Lakeside,
North Harbour,
Western Road,
Portsmouth PO6 3EN

1. Your right to cancel the policy during the first 14 days.

You have the legal right to cancel your policy within 14 days of the day that you receive the policy documents. Just write to us or telephone 0844 335 1028*

masterquote
Customer Services Department
1000 Lakeside,
North Harbour,
Western Road,
Portsmouth PO6 3EN

asking for the policy to be cancelled. You will be charged for the time you have been on cover plus a fee for the work we have done to arrange the policy.

2. Your right to cancel the policy after the first 14 days.

Write to or telephone us asking for the policy to be cancelled, if you have been paying by direct debit instalments, remember to cancel your instruction to your bank.

The cancellation charges are detailed on the reverse side of the New Business and Renewal letter that accompanied the Schedule when the policy was first sent to you.

Upon receipt of the documents you will receive a cancellation breakdown that will be sent to you outlining the amount due and to be paid.

Your Schedule of Household Insurance is held on our system and will be posted to your contact address.

You should allow 3-4 working days for any documents that you request from us. These will be sent in the post.

The protection you have under 'Cover Away from The Home', although comprehensive, does not give you the essential cover that Travel Insurance provides, especially when you go abroad. For example, `Cover Away from The Home' does not provide cover for emergency medical expenses, delayed departure or cancellation expenses. We do offer competitive Travel Insurance online.

You can protect your possessions away from your home under our Personal Possessions cover. We will cover your possessions for up to 60 consecutive days world-wide.

We all love our pets. They’re an important member of the family and they need looking after as much as anyone else. But as you probably already know, that can be expensive.

In 2008 the average claim on Masterquote Pet Insurance was nearly £300 and for more serious conditions it can be much more. What’s more, vet’s bills are becoming more and more expensive every year, so giving your pet the care it needs will be even more difficult in the future.

Our pet insurance policies fall into three categories; Gold, Silver and Bronze. Please check out more information on our product cover by visiting our pet insurance page

We've tried to cover everything we can, but there are a few things that aren’t included in our pet insurance policies:

• The cost of treating an illness or injury that first shows clinical signs or happens in the first 10 days of cover
• Routine examinations, vaccinations and preventative treatments
• Any medical condition that your pet had before cover was started
• Dental treatment except as a result of an accident

Cats and Dogs must be at least 8 weeks old to qualify for masterquote pet insurance

Please see our Pet policy wording for full details and for other exclusions.

Every quote is calculated individually, so you can be sure you’ll get the most competitive price possible. We look at the breed of your pet, its age, sex and where you live when calculating the cost of the cover.

Every quote is calculated individually, so you can be sure you’ll get the most competitive price possible. We look at the breed of your pet, its age, sex and where you live when calculating the cost of the cover.

At renewal time we will recalculate the cost of your insurance and as your pet gets older it does cost more to insure so you will see a rise in your insurance each year.

Of course! There’s no maximum age limit, so you can always give your pets the cover they need. However, if they’re puppies or kittens, you’ll have to wait until they’re 2 months old before you cover them.

Yes. You will have to pay an excess this can be found on your certificate of insurance.

It’s easy! Simply give us a ring and we’ll send you a personalised claim form with your details already filled in. All it needs is a signature and we can settle your bill directly with the vet. Full instructions about how to claim will be provided in your welcome pack.

Please see our Claims Procedure page for more details.

If you need to cancel your policy before it is due for renewal please call us and we can arrange this for you. If you have made a claim you will need to pay any remaining payments that were due up when your policy was due to end, unless you paid for your premium in full and then no refund will be allowed.

Yes you can change the cover you have when your policy is due for renewal. Please contact us at the time and we will make the necessary changes to your policy.

Yes! It’s the easiest way to pay and will allow you to break your payments down into manageable portions. What’s more, you can relax safe in the knowledge that when your policy is due for renewal, we’ll continue your cover until you choose to cancel.

Yes – subject to full compliance with the PETS Travel Scheme. (Non EU countries as defined by DEFRA are not covered)

A pre-existing condition is any condition or medical symptom that has occurred or existed in any form prior to the start of the policy.

Pre-existing conditions are not covered by your Masterquote Pet Insurance.

You are covered for the cost of treating an illness or injury that first shows clinical signs or happens 11 days after the start date of your pet’s insurance.

Many pet insurers limit cover for ongoing conditions for only 12 months. At masterquote we recognise that some illnesses may go on beyond that. Our policy will continue to cover your pet, up to the policy limit, for ongoing claims subject to cover remaining in force and payment of premium.