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Car Insurance and Home Insurance from Cornhill Direct Insurance
Car Insurance

 Frequently Asked Questions

Please use the drop down menu below.

If you can't find an answer to your question please fill in our email contact form or call us.

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Answer:
Do I get a courtesy car if my car is involved in an accident?
Yes, you will be provided with a courtesy car for the duration your vehicle is in for repair, as long as you take your vehicle to one of our approved repairers.
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Am I able to drive abroad with my car on European Cover?
By taking out a policy with Cornhill Direct you are automatically covered to take your car to the countries listed below:

Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, The Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Please note that Complete Breakdown Rescue, Cornhill Direct Accident Recovery and Motor Legal Protection policies have different territorial limits to the main car policy and you will need to consider these limits. Terms and conditions apply.
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What happens if I change my car in the middle of the year?
Please call our customer services team on 0344 3914 108 and they will update your policy, providing your new vehicle fits our underwriting criteria.
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Do I get a discount if I insure two cars with you?
Unfortunately not, there are no discounts for insuring a second vehicle, however, if you don’t have any NCD on your second vehicle and you are claim free we may be able to provide you with an introductory discount on your second vehicle. The level of this discount will depend on your personal circumstances. Terms and conditions apply.
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Answer:
What documents do I submit as proof of my NCD?
This should be on your renewal schedule from your previous insurer, alternatively, your previous insurer can send you a proof of no claims letter, the documents must be up to date and must also be the original. If your no claims discount was earned whilst driving a company car please call us on 0344 3914 108.
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What happens if I want to cancel?
You may cancel your policy on request to us and we will require you to return or destroy all copies of the current Certificate of Motor Insurance. If we cancel this policy, you must return or destroy all copies of the Certificate of Motor Insurance. Refer to the general conditions of your policy wording for full details.

The policy provides you with a 14-day reflection period to decide whether you wish to continue for the full policy year. During this time you may cancel your policy by returning the certificate of motor insurance to us. This is subject to certain terms, including a minimum time on risk charge of £25. This period also applies following any renewal. Full details are shown in the General Conditions of the full Policy Document, which is available via the menu.

After this 14-day reflection period you can cancel the policy by returning the Certificate of Motor Insurance to us. You will receive a proportionate refund of premium for the period of cover you have not used. If you choose to cancel in the first year the refund will be reduced by £50 to allow for costs in providing the policy. If you cancel after the first year the refund will be reduced by £25.

No refund will be provided if you cancel the policy following a claim, or an incident which may give rise to a claim.
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Answer:
Does Complete Breakdown Rescue and Motor Legal Protection cover both my cars on my policies with you?
No, it only covers the vehicle on the policy they are added to.
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Can I decrease my excess to £0?
No, there is a compulsory excess determined by your car type which will be confirmed when you receive your quote premium.
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Can I have my Direct Debit payment coming out on a certain date each month?
You cannot specify a date. Your Direct Debit will always be due to come out on the same date as your policy inception start date. For example, if your policy inception date is the 12th February your subsequent Direct Debit payments will be taken from your account on the 12th of each month.
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Does this policy cover me to drive other cars?
Providing you are the policyholder you can drive other vehicles on a third party basis. Terms and conditions apply.
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What is the Motor Insurance Bureau (MIB)?
The MIB was established in 1946 in an agreement between all motor insurers and the government to create a central fund to provide a means of compensating the victims of road accidents by negligent uninsured and untraced drivers. The MIB comprised of UK motor insurers who are only allowed to operate if they belong to the Bureau and contribute to its funding. The MIB's obligations are linked to the compulsory insurance requirement of the Road Traffic Act, so the protection provided is limited to where there is a legal requirement to insure.

Two other main key functions of the MIB are:
  • to operate the green card system in the UK; and
  • to maintain a register of all policies issued in the UK on the Motor Insurance Database (MID)
For further information please visit the MIB website.
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Answer:
What is the Motor Insurance Database (MID)?
The MID is a centralised database of motor insurance policy information of all insured UK vehicles and was intended to be a tool in the reduction of uninsured driving in the UK. The MID also helps the UK comply with the EU Motor Insurance Directive 2009/103/EC, which requires all motor vehicles in the EU to be covered by compulsory third party insurance and removes the need for border checks on insurance so that vehicles can be driven as easily between Member States.
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Why do we need the MID?
The MID is an important component in fulfilling the Government's aims to reduce uninsured driving, which benefits the insurance industry by cutting the cost of compensating victims of accidents involving uninsured motorists. The cost of uninsured motoring is currently estimated to be £500 million, which costs the honest motorist an average of £30 per year. The MID is actively used by the police and is essential for roadside checks.
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What are our obligations?
Under MID1 (private vehicles insured by individuals), the current requirement is for 95% of motor risks to be sent to the MID within 7 days of the transactions effective date and to submit the data in an accurate manner. New CIE legislation creates an additional obligation for insurers to submit 99.9% of motor vehicle policies within 40 days (an error rate of 1 in 1,000).
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Answer:
How can I check that my vehicle details are on the MID?
Any driver may check that their vehicle is registered on the MID by using www.askmid.com. By entering the Registration Number of the vehicle, the presence of a policy will be confirmed by displaying "YES" and in some cases by confirming the make/model of the vehicle. If www.askmid.com does not have your vehicle details noted please contact us via your usual channel so that we can investigate and resolve.
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Which Third Parties can access data held on the MID?
The Electronic Vehicle Licensing (EVL), sends a message to the MID and if a record is found for the vehicle for the relevant date, a positive response is received. No information about the policy is sent to the DVLA, but the transaction is authorised to go ahead. Subject to certain conditions, the UK Information Centre at MIB can search the MID on behalf of a victim of an accident or under provision of the Data Protection Act. Insurers can carry out checks via MIDcheck which enables authorised users to access the database.  Insurers can view their own policies and see full details but are only able to view third party data to help fulfil their obligation to help handle a claim which provides the name of Insurer and policy number. This is run by Experian on behalf of the MIB. Solicitors, and other organisations, working on behalf of clients who are victims can use the online enquiry system - Entering the Registration Number of the vehicle and the accident date it will  let you know if the other vehicle has details on the MID and if so, will provide the name of Insurer and policy number. The Data Protection Act 1998 has been amended to allow records held by the DVLA to be compared with those on the MID. If it appears from the database comparison a vehicle has no insurance and is not declared Statutory Off Road Notification (SORN), or a change of keeper is in the process of being completed by the DVLA a letter will be sent to the registered keeper.
Question:
Answer:
Why can't I renew my car tax online?
The Electronic Vehicle Licensing (EVL) was introduced by the DVLA to allow vehicle re-licensing via the phone or Internet. EVL uses the Motor Insurance Database (MID) to make a check on whether there is valid insurance on the date on which the licence must be renewed (or the date of the transaction, if this is later). You may not be able to use EVL if you have recently changed your name and or address, your insurance company or any of your vehicle details. There may also be problems verifying insurance cover if the tax and insurance are both due at the same time. 
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How regularly are updates made to the MID?
Allianz policies are submitted daily.
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What is Continuous Insurance Enforcement (CIE)?
In a bid to tackle the 2 million uninsured drivers on Britain's roads, The Road Safety Act 2006 introduced a new offence: being the registered keeper of an uninsured vehicle. This is aimed at overcoming the problem of vehicles not specifically covered by any insurance policy, that are used by drivers who claim cover under their "driving other vehicles" extension. There are specific exemptions, such as the vehicle having been SORNed, or a change of keeper is in the process of being completed by the DVLA. CIE can be enforced "from the record" and vehicles need not be seen on the road before action can be taken. Click here to view the new penalties for vehicles without motor insurance.
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How does CIE work?
The DVLA's vehicle keeper database and the MID will be compared to identify vehicles that are not recorded on the MID. An Insurance Advisory Letter (IAL) will be sent to the registered keeper informing them that their vehicle does not appear to be insured.
1. The registered keeper may:

  • Inform the DVLA that they are no longer the registered keeper or the vehicle is sold, SORN etc
  • Inform the DVLA that the vehicle is stolen and provide a crime reference number
  • Confirm with their insurer that the vehicle is insured and present on the MID.
2. A second check will be conducted and if the vehicle is still showing as uninsured a £100 fixed penalty notice will be issued.
3. If the penalty notice is not made the vehicle will be immobilised, clamped, and ultimately disposed of. The registered keeper will also be liable to court prosecution for the new criminal offence.

Click here to view the continuous insurance enforcement leaflet.

To try and ensure that letters are sent appropriately as possible the MIB will be running 3 separate cross-checks between the MID and DVLA databases at forty day intervals.  Only if a vehicle fails to appear on the MID on all three occasions will a letter be sent (i.e. the vehicle will have had to be missing from MID for 120 days). As a further measure, one last check will take place on MID the day before any letter is scheduled to go out.

 

Question:
Answer:
I have received an Insurance Advisory Letter. What do I do?
Please ensure that the details on your V5C and insurance documentation match (address, postcode, Vehicle Registration Mark and make and model). For example, some registered keepers transfer their cherished (private) registration number on to their new vehicles, but don't complete all the appropriate paperwork, including notifying their insurance provider. This results in vehicles having registration marks that have not been assigned to the vehicle. What should I do if..?
  • There is an error with the DVLA details.
  • There is an error with the insurance details.
  • The details on both documents are accurate.
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Answer:
Does this policy cover me to drive other cars?
There is an error with the DVLA details
  • No Longer the Registered Vehicle Keeper
    When a vehicle is sold or transferred, whether to a trader or a private individual, the registered keeper must complete the appropriate section of the V5C registration certificate and send to DVLA immediately. The registered keeper will remain liable for the vehicle (e.g. vehicle tax, insurance, MOT and fines) until DVLA records have been updated to show the new keeper's details or that the vehicle is in trade. Click here to find out how to notify the DVLA if you sell your vehicle. The DVLA achieves an accuracy target for updating records from V5Cs of 97.25% against a target of 95%. Whilst DVLA is exceeding accuracy targets, DVLA are not complacent and are constantly striving to maintain and improve the accuracy of their records.

  • The vehicle is laid up
    If you are the registered keeper of a vehicle that is not being taxed and is kept off the road, you must make a SORN (Statutory Off Road Notification). If you have not made a SORN you may also be at risk of an automatic penalty of £80 for not having the vehicle taxed. Find out how to make a SORN  here.

  • Name and / or address requires updating
    You must inform the DVLA immediately of any changes to your name, address or both. You can update your driving licence online or send it to DVLA for amendment. A new licence will be issued free of charge unless your photograph is due for renewal. Click here to find out how to inform the DVLA of a driving licence name or address change.

  • The vehicle has been scrapped or written off
    You must take your vehicle to an authorised treatment facility (ATF) if it needs to be scrapped. If the vehicle is to be written off by your insurance company, they may take the vehicle in return for a total loss payment. Find out what to do if your car is written off or scrapped.

  • A cherish plate needs to be transferred to the vehicle
    As the registered keeper of your vehicle, you can apply to transfer the registration number from your vehicle to another vehicle in your name, to a vehicle you are buying, or to someone else's vehicle. Click here to find out how to transfer a registration mark.

  • A personalised number plate needs to be registered to the vehicle
    Registration numbers bought from DVLA Personalised Registrations can only be used on a vehicle registered (or about to be registered), taxed and used in Great Britain. Find out more about personalised number plates here.
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There is an error with the insurance details
If the details insurance held are incorrect, please contact our UK customer centre on 0344 3914 108 and we will amend your details.  Once received and processed by our system, they will load on to the MID overnight.
Question:
Answer:
The details on both documents are accurate
MID is updated daily so please check askmid.com  to see if the vehicle is now appearing. If the vehicle is still not showing on the database please contact our UK customer centre so that we may investigate and resolve.