A car insurance premium is the amount of money you are charged to take out a particular insurance policy. In other words, it's the amount you pay every month. It's based on how likely your insurance company thinks you are to make a claim.
If you're involved in an accident, third party fire & theft insurance will cover you for any damage to the other person's vehicle or injury to others if you're at fault. It won't cover you for damage to yourself or costs to repair your own vehicle. If you've got this level of car insurance and aren't at fault, then you can make a claim against the other driver.
Windscreen damage is only covered if it was caused by someone trying to break in or steal your car. Under other circumstances, windscreen repair would not be covered under third party fire & theft.
If you're not worried about paying out of pocket for damage to your property or injury to yourself, then third party fire & theft is suitable for you. However, if you prefer to not be out of pocket then comprehensive car insurance would be better suited to your needs.
Third party fire & theft insurance covers you if your vehicle gets stolen or damaged by fire. It also includes damage to other people's property and injury to third parties.
In comparison, comprehensive insurance includes everything that third party fire & theft does but it also has the added protection of covering you, your passengers and your property if there's an accident or collision.
Yes, you can drive with only third party insurance. It is a legal requirement to have third party only if you plan to drive in Northern Ireland, Great Britain, Ireland or anywhere in the EU. It is a basic level of insurance so if you’re looking for something that offers more protection then you should consider comprehensive insurance or third party fire & theft.
If you’re looking for extra coverage and peace of mind, then comprehensive car insurance is the perfect option.
It covers you for fire and theft, as well as for personal injury even if you were at fault. If, however, you’re seeking a basic level of cover then third party insurance may suit your needs. Third party insurance only covers damage to other people’s property and injury to others.
Yes. If you have comprehensive car insurance, stolen vehicle is covered and the Insurer will pay the value of the stolen vehicle if it's not recovered. However, personal items such as phones and laptops won't be covered but these things may be insured under your home insurance.
Under comprehensive insurance you can usually drive any car but there are conditions.
Firstly, the car must already be covered by an existing insurance policy. Secondly, you must have permission to drive the car. You must also ensure that it's noted on your insurance policy certificate as not all insurers automatically grant this.
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
Enter your reg plate here, add your personal info and car details, then customise what level of cover you need.
2. Choose a payment method
We are pretty flexible so you can choose to pay it all in one lump sum or in monthly instalments.
If you decide to spread the cost over monthly instalments, you can choose how your deposit (20%, 30%, 40% or 50%) and the rest will be paid over 8, 9 or 10 repayments - whatever works best for you and your budget.
3. Receive your documents
Once you've completed payment, you will receive a confirmation email requesting you to register to gain access to your customer account. As soon as your insurance docs are ready you will receive another email inviting you to log into your account. Your policy documents live in your customer account so everything is easily accessible when you need it.
4. Verifying your identity
You may need to verify some things like your No Claims Bonus. If that's the case, we will ask for these by email. Simply use your device to take a photo and upload into your customer account under the Uploads section for our team to pick up.
There's no one size fits all approach when it comes to car insurance quotes. 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 insurance company 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.
Legal Expenses provides support for issues coming from an accident or claim, inc motoring prosecutions but the 24/7 helpline gives initial advice on any legal matter, not just motor issues.
When you get a quote with Stroll Insurance, you'll be presented with a screen asking which Policy Extras you would like to add. Simply move the toggle 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 leading insurer offers 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 repairer will either try to fix 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 will reimburse the excess amount you may have paid provided the claim is more than the total policy excess at the time of the accident.
This type of cover is a lifesaver if your car’s out of action for a couple of weeks. We will provide you with a replacement car for up to three weeks if your car has been written off in an "at fault" accident.
If you're thinking of adding one of our extras to your policy, just give us a call on 08000 11 31 21 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.
Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. But you will need permission to drive from the owner of the other car.
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 long 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 your car insurance cert.
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, so we can update your policy.
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.