Yes, you can pay using your Google Pay or Apple Pay. We also take credit and debit card too!
Owner
The owner of the car is the person who bought it or the person who received it as a gift. This may also be a leasing company.
Registered Keeper
The registered keeper is the person named on the V5C log book and is the person who keeps the car on a day-to-day basis.
Car insurance is an agreement you make with an insurance company whereby you pay them a certain amount and they protect you if you get into an accident and cover you for damage that you might've caused to other vehicles, as well as your own.
It can also include covering you for personal injury to others and possibly yourself, as well as the theft of your vehicle or personal belongings.
Becoming a Stroll customer is quick and as easy – it only takes a few minutes!
1. Get a quote
Just stick in your reg plate here, enter some of your personal and car details and then you can customise what level of cover you need.
2. Choose a payment method
At Stroll, we’re pretty flexible, so you can choose to pay it all in one go (which is cheaper) or in monthly instalments.
If you go for monthly instalments, you can also choose how much of a deposit you want to pay today and how long you want to make those repayments for.
3. Receive your documents
Your policy documents live in your customer account, so once you set it up you can access it via our app too - keeps it handy!
4. Providing proof
You may need to verify some things like your driving licence or your No Claims Bonus. We’ll ask for these by email and all you do is take a photo or upload a PDF using our app. It’s common practice for new customers and it just means we can tick all the boxes to make sure the information we have for you is 100% accurate.
Welcome to the Stroll Club!
Everyone’s different. So we’ll ask you a few questions to make sure we can offer you the best price for you.
Your premium is based on things such as:
- Your age
- The car you’re insuring
- Your driving experience
- Your job
- Your claims history
All these details are then used to determine how likely an insurer thinks you are to make a claim and what the total cost will be.
Yes! It’s required by law. You must have at least the minimum level of cover - which is Third Party Only. If you are caught without insurance, you face penalty points, a fine and possible prosecution.
However, you do not need car insurance if you declare your car as “off the road”, using a SORN.
It costs £15 a year on top of the price of your annual car insurance.
Having Legal Expenses cover in place means you don't need to worry about the cost of taking any legal action that might be necessary.
When you get a quote with Stroll, you'll be presented with a screen asking which Policy Extras you would like to add. Simply move the button across and your quote will update automatically for you.
If you already have an existing policy with us, you can get in contact with us and we can add this to your policy.
Our insurer panel offer you lots of flexibility and choice in terms of levels of cover and cost but you’re still only covered for certain things.
So, we’ve added a few specific types of cover, for example, if you have a breakdown or if you lose your keys! They’re all great value and offer additional peace of mind. You can mix and match too…
This comes in super handy if you break down and need roadside assistance anywhere in the UK or Republic of Ireland. A mechanic will either try to repair your car on the spot or tow you to the nearest garage.
Nobody wants to think about an accident, never mind the aftermath. But if you think about it, now is the time to make sure you’re protected should the worst happen. Legal Expenses comes in useful if you need to make a claim against someone else. It will cover the cost of your legal fees if you want to pursue compensation.
Without this type of protection, legal costs can run into thousands of pounds never mind the cost of legal advice – as part of this cover, you’ll also get that FREE, any time of the day or night.
The key to peace of mind! By buying this, you will be able to locate your phone via the app and if you’ve truly lost them or they’ve been stolen, we can cover the cost to replace your keys plus those ludicrous locksmith charges!
We’ll also replace ALL keys attached to our free Keycare fob so you don't have to worry about being locked out of your home too.
Being involved in an accident can be stressful enough. Then there’s the added sting of paying your excess. Excess Insurance means you can get your excess back if the accident wasn’t your fault.
How would you manage without a car after an accident? Even for a few days? Courtesy Car cover is great value and means you get a car to use while you find a replacement. Hire car fees can average £55 per day which can add up to £££s, depending on how long you need a car for.
If you're thinking of adding one of our extras to your policy, just give us a shout on Live Chat and we will get you sorted. Unfortunately, we can't add extras if you're within three months of your renewal.
Yes, you can, but you should always double check the level of cover and length of time you have cover for have when driving in the EU. You can find this info in your policy docs in your customer account.
Can I drive in the republic of Ireland?
Yes, all Northern Irish drivers can drive in the Republic of Ireland. It is important to check with us if you require any overnight stays or business use on your policy.
Do I need a Green Card?
With effect from the 2nd August 2021, the European Commission announced that Northern Ireland drivers and the rest the UK will no longer be required to carry Green Cards to show they have insurance cover in place when driving their vehicle in the EU (including the Republic of Ireland).
You also don't need a Green Card for Andorra, Bosnia and Herzegovina, Serbia and Switzerland.
If you DO require a Green Card, please contact our support team.
Some insurers but not all offer cover to include ‘Driving Other Cars’.
Back in the day if you had comprehensive car insurance you would be able to drive someone else car, but those days are gone. So, it's important not to assume you are covered to drive someone else’s car and risk facing points on your licence.
Where would I find this info?
You'll find out if you have ‘Driving Other Cars’ (DOC) on car insurance cert.
Comprehensive is the highest level of cover, taking care of any damage to your own car and damage to third parties involved in an incident.
Third Party, Fire and Theft covers injury to other people or damage to their property. It also covers your car for theft and fire damage.
Third Party Only is the minimum level of cover that you can legally have and only covers injury to other people or damage to their property in the event of an incident.
Check out our nifty table below on the different levels of cover.
| Damage to other people’s cars or property | Comprehensive | Third Party Fire & Theft | Third Party Only |
|---|---|---|---|
| Injury to other people and damage other peoples cars or property | Yes | Yes | Yes |
| Repair or replacement of your car if it is damaged by fire | Yes | Yes | No |
| Repair or replacement if your car is stolen or damaged by theft | Yes | Yes | No |
| Repair or replacement of your car if it is damaged accidentally (even if it was your fault) | Yes | No | No |
| Up to £5,000 personal accident cover* | Yes | No | No |
| Compensation for any personal belongings stolen or damaged | Yes | No | No |
| Windscreen repair | Yes | No | No |
| Overnight accommodation or onward travel* | Yes | No | No |
| Cover to drive your car in Europe for up to 90 days* | Yes | No | No |
| Breakdown recovery | No | No | No |
| Replacement keys or locks if your car keys are stolen* | Limited | Limited | Limited |
The main driver is the person who drives the most often. They are also the person who builds up a No Claims Bonus.
Named drivers are additional drivers who are entitled to drive your car but don’t drive it as often as the main driver. For example, a child might be a named driver on their parent’s policy or vice versa.
However be careful of "Fronting" - this is when you put someone down as a named driver but they actually drive thr car all the time. Remember, this is illegal.
You can add a named driver by getting in contact with us.
Business Use means any travelling you do for your job that is more than getting to and from work. For example, if you are a Sales Rep who visits customers or if you drive to multiple places of work on a regular basis.
Social Only covers day-to-day driving, such as visiting family and friends or going shopping. It does not include driving to and from work.
Social and commuting covers everyday driving AND your commute to a permanent place of work.
Social, commuting and for business covers all of the above plus using your vehicle in connection with work beyond just commuting.
It’s important you tell us if the type of driving you do changes.
If your car’s brand new, it’s most likely only just been registered with the DVLA and so might not be recognised by our system.
But we’ve got a way around that - you can enter your car reg manually here.
A modification is any change made to your car that makes it different to how it was when originally manufactured. These changes can affect the value of your car, or things like safety. Modifications can also make the car more appealing to thieves which can increase the risk of it being stolen.
Modifications include:
- Tinted windows
- Alloy wheels
- Suspension changes
- Entertainment systems
- Exhaust changes
We need to know about all modifications, whether performance enhancing or just cosmetic.
If you’re not sure how a modification will affect your insurance, ask us first! We can advise on a potential price increase or if we can continue to cover you or not.
Where you park overnight can affect the cost of your policy as it affects how safe your car is: less safe equals more risk. For example, if you live in an area that has a high crime rate and you park your car on the street, this raises a red flag for insurers.
Wherever you park, the main thing is to be honest so we can cover you to the best of our ability should anything happen.
It can, yes.
Your premium is calculated based on risk. And the more you drive, the more likely you are to be involved in an accident. This increases your chances of making a claim compared to someone who does hardly any miles.
Therefore, the higher your annual mileage, the higher your premium may be.
If you think that you might go over the mileage that you originally quoted, you can update this by contacting the Stroll team.
If you’re not sure of how many miles you do, you can use our nifty mileage converter to find out.
If you can’t find your exact job title, choose one that matches yours as closely as possible.
Whether you are at fault or not, you must declare all accidents that you’re involved in within the requested timeframe.