Why has my policy been cancelled?
Your policy may have been cancelled because we were informed of a change in circumstances that affects your insurance, because either you or your insurer requested the cancellation, or because regular payments were not received. To find out the specific reason for your policy being cancelled, please contact a member of our team via Live Chat, who will be happy to help.
Why has my premium increased after making a change?
Your premium may increase when you make a change to your policy because the insurer has reassessed the level of risk being covered. Changes such as updating your vehicle, address, occupation, annual mileage, or adding a driver can all affect how your premium is calculated. The cost of your insurance is based on the information provided to the insurer. If the change increases the level of risk, your premium may increase. In some cases, changes can reduce the level of risk and result in a lower premium or a refund.
Why has my premium increased this year?
Your renewal price may change for a number of reasons, including increases in insurance costs across the market, inflation, claims trends, changes to your circumstances, or updates to the insurer’s pricing criteria. If any of your details have changed, you can update them in the Customer Portal before renewing. We’ll then provide you with an updated quotation based on the new information, so you can review your revised premium and cover before making a decision.
Why have you requested my driving licence details?
In some cases, we may ask you to provide your driving licence details so we can verify your driving history. If this is required, we’ll contact you and you can submit the information through the Customer Portal. To complete the check, we’ll usually need your driving licence number, National Insurance number, and the postcode linked to your licence. This allows us to verify your details using the DVLA’s Share My Licence service. We do not store your National Insurance number and will only use it for validation purposes. If you’d prefer not to provide it, you can instead provide the last 8 digits of your driving licence number and a DVLA check code. Please note: If you do not provide the required information when requested, your policy may be cancelled.
Why is there a fee for a default?
When a payment is missed or changes need to be made to your payment arrangement, our finance provider may apply an administration fee to cover the costs of processing those changes and bringing your payments up to date. Any applicable fees will be outlined in your credit agreement and Direct Debit documentation provided by your finance provider. We recommend checking these documents for a full breakdown of any charges that may apply to your account.
Will I be able to get a quote on the Customer Portal without making the change?
Yes, the portal will provide you with a quote before any changes are applied to your policy. This allows you to review any additional premium, administration fees, or adjustments that may result from the change you are making. If you’re happy with the quote, simply follow the on-screen instructions and proceed to the next step to confirm the change. Once completed, your policy will be updated and any revised documents will be made available in your account in the Customer Portal. If you decide not to proceed, your policy will remain unchanged.
Will I receive a renewal on the Price Fix?
No. If you’ve chosen the 3-Year Price Fix, your premium will remain the same for the duration of the fixed-price period, provided there are no changes to your policy or circumstances. We’ll send you reminder communications after 9 months and 21 months to keep you informed. If any of your details have changed during this time, it’s important that you let us know, as this could affect your cover and premium. For full details of your policy and the terms of your 3-Year Price Fix, please refer to your policy documents in the Customer Portal.
Will making a change affect my level of cover?
It may. Changes to your policy, such as updating your vehicle, address, drivers, or personal circumstances, can affect the level of cover provided, your premium, excess, or policy terms. You’ll be given details of any changes before you confirm the amendment.
Will my personal information remain private and protected?
Here at One Click, we understand that you value your privacy, which is why we keep your contact details secure and only to be used by us. We will never pass your personal information on to other companies for any marketing purposes. If you would like to view more information on how your data will be used, please visit our privacy policy page.
Will my policy renew automatically?
All annual policies will automatically renew unless you make us aware otherwise. If you wish to stop your policy from automatically renewing, you can opt out prior to the renewal period via your account in the Customer Portal. If you are within the renewal period, you can contact our renewals team by Live Chat.