FAQs - Full List
Yes, painted signs of any size are acceptable.
Yes, as additional security - though no discounts are applied.
Yes, glaziers are an acceptable occupation. If they have external racking as a modification on their van then this is also acceptable. We ask you to check that the external racking which is going to be used for transporting glass is designed specifically for this task.
Driver addition / amendment
Can you add a temporary driver on a Clear commercial vehicle policy if it's for social, domestic and pleasure use only?
Yes, we can add temporary drivers. All Clear commercial vehicle certificates allow social, domestic and pleasure use.
You guaranteed a quote for 30 days but the premium has increased when the customer wants to accept - what should I do?
You'll need to call the Broker Service team and confirm that the new quote is on a like-for-like basis and within 30 days of the original quote date. Then we'll honour the original premium whilst you're on the phone.
Please send proof of payment to firstname.lastname@example.org to show it was received prior to the renewal date. We'll also need confirmation of no claims. We'll then issue a manual policy matching the renewal premium.
No, drivers must be aged 21-76.
Yes, and manufacturer fitted isn't required.
There is a maximum of 14 days at any one time and up to 30 days in any one period of insurance.
Yes, we can accept two postcodes - for example, one for correspondence address and one for overnight location.
Please note that for Clear private car, we can't accept dual postcodes.
Great Britain, Northern Ireland, The Isle of Man, The Channel Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the Vatican City.
My customer's vehicle isn't showing on the Motor Insurance Database (MID) when they try to tax their vehicle.
Please give us a call on 0845 073 1118. We'll contact the MID helpdesk and get back to you.
For commercial vehicle personal belongings are covered up to £100. There's no cover for any goods or equipment carried in connection with the business or trade.
Product / policy query
£75 for replacement with Autoglass. £0 for repair with Autoglass. £100 for replacement or repair using any other repairer.
There's no set number of days however:
- the vehicle needs to otherwise be kept in Great Britain Northern Ireland, The Isle of Man or Channel Islands
- visits outside of these locations are temporary
The cover provided is the minimum needed by law within the territorial limits, i.e. typically 3rd party liability only.
Once you've been in contact with the policyholder's family, you can contact us if there are any queries regarding updating the cover. If they want to cancel the policy, we of course wouldn't apply any cancellation fees in these circumstances.
The person the policyholder has chosen to act on their behalf. The nominated person can discuss, amend and cancel the policy without the policyholder being involved.
No. Please refer any queries to the Allianz Northern Ireland office. You can call them on 00 353 1 448 48 48 but will need to have an agreement in place to be able to offer cover in Northern or Southern Ireland.
Yes, we're able to confirm the level of NCD that's in use on a live policy.
For household Clear policies the standard fee is £10, or £15 if it's cancelled within the reflection period.
For Motor it's £50 in the 1st year and £25 from the 2nd year onwards.
Damage caused by a storm will be logged as a storm claim. A storm is defined as strong winds in excess of 47 knots / 54 mph that may be accompanied by heavy rain, snow or sleet.
If the customer has made a claim in the current policy year, we would not refund the premium, otherwise we would give a pro-rata refund less an admin charge of £10 outside the reflection period, or £15 within the first 14 days.
Product / policy query
General / building query
Under the Clear household policies, can you cover a garage that may be in a slightly different postcode area?
Yes - as long as the garage forms part of the same deeds as the main property.
For Buildings cover, the maximum flat roof we accept is 20%. There's no limit for a Contents only policy.
We offer contents only cover for flats anywhere in the UK - and in Scotland we offer buildings cover too. All flats have to be self-contained, which means they have their own front door and no internal linking doors to the shop or business premises. We don't ask whether the flat is above a shop, as we wouldn't apply any additional terms for this.
Yes, as long as the total roof area isn't more than 20% flat.
There's no specific cut off date on the age of the property.
Yes, this isn't something the customer needs to disclose.
A flying freehold is part of a building in freehold ownership that's above or below another part of the same building owned by someone else. The flying freehold element doesn't need to be in mid air - it can be over a part of someone else's freehold, or over a communal area, for example a common passageway or a cellar which spreads out under the neighbour's property.
Yes. We limit the amount of cover provided for office equipment used in connection with the policyholder's job or business to £5,000. Office equipment includes items like computers, hard drives, memory sticks, software, printers, fax machines, photocopiers and office furniture.
We'll pay out up to 15% of the Sum Insured from an outbuilding or garage in the event of theft.
Yes. We can cover houses that are grade 2 or grade B listed. We don't cover grade 1 listed properties.
Yes, they're coverable under the Buildings section of the policy, so the Building sum insured must be adequate to include them. The panels must either be owned by the policyholder, or be their responsibility.
We'll refer the case internally to determine whether the home should continue on its existing policy or move to a different cover type. If we're happy for the full cover the continue, there's no need to re-issue the policy.
These would be a decline under our Clear household policy as it's not the policyholder's main residence.
They're classed as garden machinery covered within the contents section, and don't need to be specified.
Theft of contents in outbuildings are subject to a limit of 15% of the contents sum insured/limit of indemnity. If they exceed that amount, they should be specified as personal possessions so they're fully covered.
We include wheelchairs within the definition of contents and they can be covered as an unspecified personal possession. Mobility scooters aren't covered.
The maximum total limit for specified bikes is £5,000. Any bike valued over £1,000 should be specified in the All Risks section. The £5,000 limit can be several bikes, or one bike valued at £5,000.
The limit is per event, so can apply to more than one child.
We wouldn't offer Contents cover if there's history of subsidence, regardless of when it happened.
Yes. It's worth considering if the musical instrument is likely to leave the property and therefore should be covered under personal possessions. If this is the case they're not covered for semi-professional or professional use. And of course if the instrument exceeds the single article limit it'll need to be specified.
Yes, we cover mobile phones under unspecified personal possessions. It's handset only with no data or usage covered.
Electric bikes can be covered under the unspecified personal possessions section of the policy, but we don't allow them to be specified under the personal possessions section. There is a limit of £1000 under the unspecified personal possessions section.
Yes. If the stair lift isn't designed to be removed from the property when the policyholder moves house, it's coverable under the Buildings section. However, if it can be taken when the policyholder moves, it's coverable under the Contents section.
Military uniform would be covered if the insured owns their uniform. Where it's owned by the forces it'd be excluded as they have no insurable interest.
Student possessions are covered whilst living away from the home and attending college or university up to the value of £3,000 (Clear Advance) and £5,000 (Clear Complete). There's no cover under Clear Essentials. There's no cover for theft or attempted theft unless accompanied by forcible and violent entry or exit from the building.
Guns and firearms only need to be specified if the policy holder wants to cover them under the personal possessions section. If they are above the single article limit they will need to be specified.
No. Trailers are excluded under contents and the item isn't classed as a personal belonging or valuable.
We don't cover mobility scooters.
We include wheelchairs within the definition of contents and they can be covered as an unspecified personal possession.
Yes, scuba items can be covered under the Contents section, or if insurance outside the home is wanted it'll need to go under personal possessions. And of course if the equipment exceeds the single article limit it'll need to be specified. The policy doesn't cover loss or damage for such items whilst in use.
Yes. All reasonable precautions should be put in place with respect to open fires and wood burners.
Can you cover a customer's new property if cover is needed at their old property for an overlapping time?
In the majority of cases it's no problem if cover overlaps at both properties for a short period. Give us a call with details of the dates. We'll issue a confirmation letter for your customer, and the change of address can be done once house completion has taken place.
No - we don't offer cover where properties aren't solely occupied by the policyholder and their family.
The occupancy terms are no longer than 60 days in a row (if more than 60 days in row then the unoccupied terms would apply) and regularly occupied day and night except for normal working hours.
A new business customer has advised that there is Japanese Knot Weed on their property, or an existing policyholder is moving to a new address which has been affected by Japanese Knot Weed. Can you offer cover?
Japanese Knot Weed can be very destructive and is notoriously difficult to kill. We won't offer cover for new customers whose property is affected, or existing customers moving to a new address with the problem.
Yes, foster children are classed as part of the customer's family.
The standard policy excess is £100 for Advance and Complete, or £150 for Essentials.
For escape of water, the excess is £250 for Advance and Complete, or £400 for Essentials.
All contracts have a £1,000 Buildings subsidence excess.
The policy will continue until the renewal date but the normal unoccupied events (Theft or Attempted Theft, Malicious Damage, Escape of Water and Glass/Sanitary Fittings) will be excluded after 60 days.
Any Accidental Damage cover will be removed and the occupancy will be kept as occupied.
You should let us know prior to renewal if the property has not yet been occupied again by the policyholder.
Under Clear Complete we offer cover for contents cover in a residential home for up to £3,000.
Endorsements are shown on the policy schedule.
Please give our Broker Service team a call, we would underwrite each risk individually when it is on a manual policy.
Yes, as this is usually something that is entered into voluntarily as an alternative to bankruptcy.
No. We cover the person named as the policyholder in the schedule, their partner and members of their family permanently living with them during the insurance period at the address shown in the schedule. This doesn't include a family member temporarily living with them.
Family members have to live with the policyholder permanently to be covered by the policy, permanently would be considered to be for the foreseeable future, not for a defined period of time.
If the date they were made bankrupt is more than six years ago and they're now solvent we can accept the risk.
We'll reissue on a manual policy with exclusions and clauses. Personal possessions cover won't apply. We'll also place a renewal stop on the risk so that we can check whether the property is still unoccupied, determine if new terms apply and if we should continue cover.
We'll need written confirmation from the joint proposer that they want to be removed from the policy.
No you cannot backdate a cancellation on a household policy.
We don't need to be told of any trees which are within the boundaries of the property, unless they have caused subsidence to the home. The software house question sets ask about subsidence damage and details of any damage caused by trees should be submitted at this point.
Please give us a call. Once we've run through the details, you can re-issue a new business policy at the lower price.
You can backdate on motor with the following software houses – Open G.I, SSP, Sirius and TGSL provided a cover note has been issued. The only SWH which can backdate for household is SSP.
It depends on what kind of renovations the house is undergoing, if it is cosmetic works we would accept it at new business, but anything structural would be a decline.
Would you cover a new household risk as new business on Clear if the area is at risk from flooding or has previously flooded?
We'll choose to accept or decline based on our assessment of the postcode and history of flooding at the property.
Can a policyholder pay off any unused premium throughout the year if already paying as a direct debit?
Yes, they can call the Instalments team on 01454 611757 and pay off the outstanding balance.
If a customer has an open claim and there's a change of address which generates an RP (Return Premium), will the customer be refunded?
Yes, the RP will be refunded.
Our policies remove some elements of cover once a property has been unoccupied for more than 60 days. If a property has been unoccupied for longer than 60 days, the renewal date is coming up and the policyholder has told you when the house will become occupied again, speak to our broker service team to discuss whether we can continue to offer cover.
What's the procedure if the policy can't be placed with another insurer at renewal due to a history of flooding or subsidence?
We can reissue the policy on a manual basis with additional terms. You must refer the policy back to us prior to each renewal for consideration.
Under private car, personal belongings are covered up to £200.
£200 for personal belongings.
£200 for wheelchairs, prams, child's push chairs, buggies and carrycots while in or on the insured's car if they're lost or damaged by an accident, fire, theft or attempted theft.
Mobile phones aren't covered under personal belongings for our Clear private car policy.
Yes, we'll pay for the replacement of any child seat which is damaged as a result of an accident, providing it was being used at the time.
We accept the following modifications:
- Adapted For Disability
- Air Conditioning
- Alarms/Immobilisers/Tracking Devices
- Biodegradable Fuel
- Bluetooth Kit
- Body Coloured Bumpers
- Camera - In-car CCTV
- Car Phones
- Climate Control
- Driving Lights
- Fog Lamps
- High Level Brake Light
- Indicators - Added
- Indicators - Uprated
- Locking Wheel Nuts
- LPG Conversion
- Parking Camera - Inside Vehicle
- Parking Camera - Outside Vehicle
- Parking Sensors
- Roof Rack
- Satellite Navigation Equipment
- Sports steering wheel
- Telematics Device
- Tinted Windows (within legal limits)
- Unleaded Fuel Conversion
- Upgraded External Mirrors
- Upholstery Changes
- Uprated Head Lamps
- Uprated Headlight Bulbs
- Uprated Stereo Systems
- Wheel Trims
- Wheelchair Clamps/Straps
- Wheelchair Lift/Ramp/Winch
- Wheels - Alloy
- Wipers - Added
- Wipers - Upgrade
Yes. LPG conversions are treated under normal terms provided that the vehicle had the tank and other LPG conversion parts installed by the vehicle manufacturer, or the conversion has been carried out by a member of the LP Gas Association and the appropriate installation certificate is provided.
The policyholder changes their tyres for winter tyres each year - is this considered a modification?
No. As it's making the car safer, we're happy to accept this and not class it as a modification.
No, we wouldn't offer cover for this modification.
Yes, leased or hire-purchase vehicles are acceptable if this is the policyholder's long-term vehicle. This is the method that many people purchase their cars using various credit agreements with the seller. Cover isn't available for short-term hire vehicles where the policyholder is just using a vehicle temporarily with a view to handing it back to the hirer. For example they hire a van for the week to help them move house.
Up to £40 per person for overnight accommodation or travel home if the car is stolen or damaged as a result of an accident covered under the policy.
Under the 'driving other cars' extension could the policyholder drive abroad or drive a commercial vehicle?
No, the 'driving other cars' extension only extends to the UK, Northern Ireland, Channel Islands and the Isle of Man. It applies to private cars only, so they won't be covered for driving a commercial vehicle.
Yes - up to £500 for the cost of changing locks if the keys, transmitter or immobiliser key have been lost or stolen.
90 days foreign use cover should be enough for most people. If you've got a customer that needs more than this, you can call us and depending on the circumstances, we may be able to extend this.
Yes, the Motor Insurance Commitment applies to private cars insured on private car policies, and there's no charge to the customer. We don't need to be made aware unless the customer is a community first responder or other 'blue light' volunteer. In these situations, we'll decide if the risk is acceptable.
The same cover as shown in the schedule is provided for temporary visits that don't exceed 90 days in one period of insurance.
Unlimited for all amounts the policyholder legally has to pay as a result of using their car (and any trailer, caravan or vehicle being towed by it) if they cause the accidental death of or bodily injury to any person; or £20m limit for causing damage to anyone's property.
No, we can't accept two postcodes - the overnight location needs to be the same as the correspondence address.
Please note that for Clear commercial vehicle, we do accept dual postcodes.
If the claim isn't for fire, theft, malicious damage or windscreen, the customer will need to pay the accidental damage excess shown in the table below. These excesses are additional to any other excess which may apply - please refer to the policy schedule.
No, we won't insure a hire car unless it’s a lease hire which we'll insure as normal
Legal expenses isn't included as a part of our motor policies.
The manual process is a maximum of 14 days at any one time. The standard maximum number of days in any one insurance period is 30 days. This applies to Clear commercial vehicle and Clear private car.
Yes, we cover standard types of electric cars. We don’t apply any electric vehicle specific terms to the policy although we may be required to settle claim for the batteries in a slightly different way. This is because the battery is usually leased. Electric vehicles classed as non-standard aren't covered, for example the Renault Twizy as it is classed as a 'light quadricycle' and micro-cars such as the Reva G Whizz.
Yes, under the Clear policy we'll pay up to £250 for loss or damage to a luggage trailer. The trailer doesn't have to be attached to the car at the time of the accident or loss.
No, a Green Card doesn't need to be issued for private car or commercial vehicle policies when travelling within the territorial limits. The customer can take a copy of their Certificate of Motor Insurance with them to help them show that they're insured to drive if they get asked to prove it.
For private car policies, full cover is provided, as shown in the schedule, for up to 90 days in any one period of insurance. After 90 days, the cover provided is the minimum needed by law within the territorial limits.
For commercial vehicle policies, the cover provided is the minimum needed by law within the territorial limits.
If a policyholder is working for two companies, can they still have 'business use' on their private car policy?
Yes, if the policyholder is driving to the two different employers they would require business use.
We don't ask if the customer has had any CCJ's, as a result we don't necessarily decline or increase the price if they've had them. CCJ's may have an impact on the customers credit rating which does form part of our underwriting criteria. A CCJ might therefore indirectly contribute to our overall price and acceptance of the policy.
We'll replace a car with a new one of the same make, model and specification if the car is:
- stolen and not recovered within 28 days of reporting the theft to us; or
- damaged to the extent that the cost of repair is more than 50% of the price of an identical new car at the time of loss or damage (based on the United Kingdom list price).
We'll only do this if:
- they've owned the car (or it has been hired under a hire-purchase agreement) since it was first registered as new;
- the loss or damage happens before their car is one year old;
- we have their permission or the hire-purchase company's permission to replace the car;
- their car is in current production and available in the United Kingdom.
Personal accident cover is provided for the policyholder and their spouse or civil partner if they have an accident while travelling in the insured car, or getting into or out of any motor car if this is the only cause of death or bodily injury.
We'll pay £5,000 per person if the policyholder or their spouse or civil partner dies, suffers the total and permanent loss of sight in one or both eyes or loses any limbs.
We'll only pay for one benefit for death or injury to any person for any one injury in any one period of insurance.
Driving other cars is available to the policyholder only. This gives the same cover as 'liability to others' when they're driving any other car provided:
- They don't own or have not hired the car under a hire purchase or lease hire agreement
- The car has valid cover in force under another insurance policy
- They have the owner's permission to drive the car
- The car is being driven in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man
- They're 25 years of age or over
- They're not a company, firm or more than one person and;
- The car is being used within the limitations of use shown in their current certificate of motor insurance.
We won't offer cover for drivers with five or more convictions, or with more than five fault claims.
In theory, yes. There are however certain vehicles that will require a full licence. To be sure, if you run a quote through the EDI system with them as a permanent driver, this will tell if you if its acceptable or not as a temporary driver.
They'll get medical, surgical and dental fees up to £200 for each person including veterinary fees up to £200 for each domestic pet (for a maximum of two pets) if they're injured whilst travelling in the policyholder's car. We'll also pay £30 a day (up to 30 days) for the policyholder to stay in hospital.
All drivers must be permanent UK residents.
We don't offer cover for non-UK or EU licences. The following licence types are acceptable:
- Full UK
- Full EU (ECC)
- Provisional UK
- HGV licences
- Restricted Full 3 years or more
- Restricted Provisional 3 years or more
- Restricted Provisional 3 years or less
- Restricted Full 3 years or less
Total loss vehicles
When a car is declared a write-off and scrapped, the DVLA will automatically issue a refund by cheque for any unused full months of tax. This also applies if the car is scrapped for any other reason, sold, transferred, exported, declared SORN (Statutory Off Road Notification) or given an exempt duty tax class.
There's no excess for claims made solely under replacement locks cover.
Yes - we capture all claims, accidents and losses for all drivers in the last five years to help us assess the risk. This is across all motorised vehicles on the road (private car, commercial vehicle, motor bike, etc.)
If the claim isn't for fire, theft, malicious damage or windscreen, the customer will need to pay the accidental damage excess shown in the table below. These excesses are additional to any other excess which may apply - please refer to the policy schedule.
Providing the policyholder has fully comprehensive cover, they'd be able to claim for the damage on their own policy.
The policy has a specific section for uninsured drivers, therefore if the conditions are met under this section, they may not need to pay an excess or lose their no claims discount. the conditions that must be met are:
- we establish that the accident was not the policyholders fault and
- we've been given details of the other vehicle’s make, model and registration number and the name and address of the person driving the other vehicle.
The windscreen excess is £75 if you use Autoglass, for other windscreen companies the excess increases to £100. This applies for PC and CV and only for replacement windscreens. If the windscreen is repaired the excess is nil.
Yes for repair or replacement of the customer's car's windscreen, windows or sunroof or for bodywork scratched as a direct result of a damaged windscreen, window or sunroof, they'll have to pay the first:
- £75 for replacement using our approved repairer Autoglass;
- £0 for repair using our approved repairer Autoglass;
- £100 for replacement or repair using any other repairer.
NCD from policyholders previously holding Company Car Insurance is acceptable subject to meeting the following requirements:
- Written confirmation from the employer must be received, signed by an authorised official or the fleet manager, together with confirmation of the period that the company car was driven.
- It must clearly state the number of years of claim free.
- The policyholder has to be have been the sole / main driver or the primary user of the vehicle.
- The class of use must have included Social, Domestic and Pleasure purposes.
- The evidence must refer to a UK based company and not be more than two years old.
Can you transfer NCD from a policyholder to the spouse or civil partner if the policyholder has passed away?
Yes, NCD can be transferred to the policyholder spouse or civil partner if the policyholder passes away.
No, we only accept earned NCD. We don't allow introductory or mirrored bonus unless a scheme agreement is in place.
NCD must be earned from a private car or where the policyholder has previously held a company car. The policy the proof must have been in force no more than two years ago, issued within the UK and not in use on any other policy.
NCD from policyholders previously holding Company Car Insurance is acceptable subject to meeting the requirements below:
- Written confirmation from the employer must be received, signed by an authorised official or the fleet manager, together with confirmation of the period that the company car was driven;
- It must clearly state the number of years of claim free driving;
- The policyholder has to have been the sole / main driver or primary user of the vehicle.
- The class of use must have included Social Domestic and Pleasure purposes
- The evidence must refer to a UK based company and not be more than 2 years old.
Yes subject to satisfying all other criteria, NCD can be accepted as long as it's dated from within the last two years.
Motability NCD is acceptable, with the same NCD proof requirements as standard NCD. If the customer's previous insurer doesn't provide standard NCD proof, we'll need a letter from them confirming the claims free history of a policy held by the policyholder (must have been in place within the last 2 years with a UK insurer).