Although this insurance cover isn’t a legal requirement it does offer you support and protection if your vehicle breaks down in the middle of a journey.
Home start breakdown cover is similar to roadside assistance only it covers you for when you need help at home rather than out on the road.
Breakdown cover in the UK is an optional add-on to your existing insurance policy. It’s an extra layer of protection that covers you in the event you break down during a trip and need assistance. Should this be the case, a qualified mechanic will be sent to your location.
Roadside assistance is an optional extra on your car insurance policy. It provides you with cover if your vehicle breaks down, you get a flat tyre or run out of petrol/diesel. Should this be the case, Stroll Insurance can arrange to send a qualified mechanic who will fix your vehicle or tow you to the nearest garage.
To find out when your car insurance is up for renewal, you can check your policy documents, contact your provider or direct insurer.
Stroll Insurance customer can simply log in to your customer account.
Before your car insurance is set to expire, your insurer may also send out a reminder email in the weeks before so be sure to keep an eye out.
Your car insurance cert will show the level of cover on your policy. You can access this document in your customer account.
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 Repulic 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.
You can find your policy number by logging into your customer account.
If you wish to make changes to your policy, just call our team on 08000 11 31 21 Mon-Fri 9am-5pm and we will sort you in a jiffy.
Some changes can mean a change in price which is why we prefer to chat to you.
You can save all quotes to your inbox for future reference, just click on the link and they'll bring you back to them.
It's important to note, your quote will only stay valid for 5 days. If you refresh your quote, it will recalculate your premium.
Easy – just get in touch with us.
You can contact our team on 08000 11 31 21 Mon-Fri 9am - 5pm who will process the change manually.
It's important to remember if your postcode changes, there may be an increase or decrease in your premium.
Why is it important to update my address? Because your policy might be invalidated in the event of a claim if your address isn't up to date.
Read More: Changes To Your Policy?
Your policy docs are stored in your customer account.
Once you buy your policy it can take a little bit of time to generate them but we will drop you an email to let you know when they’re ready – all you have to do is log in to view them.
If they’re not showing in your account after a couple of days, contact us on Live Chat and a member of the team will be happy to help.
Your insurance documents are very important, they provide all the proof and information you will need when it comes to understanding your policy which is unique to you.
Each document has a purpose so it's best to read carefully!
Certificate of Car Insurance
A super important document! It’s proof that shows you have car insurance. Your cert shows:
- Your policy number
- Your car reg
- Your name and address
- The start date and end date of your policy
- Your class of use
- If you are insured to drive other cars
- Details of any additional drivers you have
If the police stop you and ask for proof of insurance, this is the doc you need to present to them so keep it handy and safe at all times!
Car Insurance Schedule
This doc goes into a little more detail about your car insurance, like your level of cover, who is insured to drive your car and how much your excess is.
Statement of Fact
An overview of the information you have given us which your insurer has used to confirm your cover.
No Claims Bonus Protection
This doc outlines what you have paid for your NCB protection. It shows info on the discount applied to your policy and the NCB years you would lose if you made a claim and weren’t protected.
Car Insurance IPID
This is a short document summarising all the key information about your car insurance. It stands for Insurance Product Information Document. It answers questions like:
- What is insured?
- What is not insured?
- Are there any restrictions on cover?
- Which countries am I covered to drive in?
- What are my obligations as a customer?
- When and how do I pay?
- When does the cover start and end?
- How do I cancel the policy?
Policy Wording Booklet
This doc shows ALL the information included in your policy like what you’re insured for and what you’re not insured for. It accompanies your other insurance docs and goes into the finer details of your cover.
You can find detailed info on;
- What you are insured for
- What you are not insured for
- Loss or damage
- Fire & theft
- Personal accidents
- Personal belongings
- Medical expenses
- Glass damage
- Driving abroad
- Data protection & how your information is used/shared
Terms and Conditions
This is your agreement with Stroll Insurance. It’s a summary of all the terms and conditions you signed up to. It contains important info on:
- Cancellations (either by us or you)
- Confidentiality & data protection
- Providing accurate information to us
- How to make a complaint
Policy Extras
You will also have documents on the extras you have purchased such as Roadside Assistance or Excess Insurance from our third-party providers. They will also contain their own policy information.
If you have any questions about the information in any of these documents or having trouble understanding the jargon, contact the Stroll team – we’re happy to help!
If you receive a driving conviction, it's important to let us know so we can update your policy. Get in touch with us via Live Chat or email us on support@strollinsurance.co.uk
We will ask for the code of your offence. You can use our nifty table for a list of the conviction codes to help you get the right one.
An excess in car insurance is the amount you have to pay when you make a claim. If you can't afford to be out of pocket or you don't want to pay an excess upfront, it's worth taking out excess insurance to cover the costs.
A compulsory excess is fixed and what the insurers will ask you to pay. A voluntary excess is chosen by you and can affect the price of your premium.
If you made a claim, you would pay your total excess and we’d pay everything else to help repair your car or replace if it was stolen or damaged beyond repair then deduct the excess from it.
Here's an example:
The total claim cost - £3,000
The excess:
- Compulsory excess - £300
- Voluntary excess - £200
We pay - £2,500 You pay - £500
All you have to do is contact our team, call us on 08000 11 31 21, Mon-Fri 9am-5pm.
We will show you how the change will impact your premium before processing it.
Important to note
We need the following details about your additional driver:
- Full name and date of birth
- Address
- Employment details
- Driving licence details
- Any medical conditions or motor related claims/offences
P.s An additional driver can sometimes bring down the cost of your insurance price, depending on their driving experience. For example, if you add a parent to your policy with a clean driving history. They are seen as a safe driver to insurers BUT it might be the opposite if you add a young driver with little or no driving experience.
Firstly, congrats on the new wheels – health to drive!
The good news is you don’t have to cancel and set up another policy, we will just update your current policy with your new car details.
All you have to do is contact us via Live Chat or call us on 08000 11 31 21.
It’s important to remember there might be an increase or decrease on your annual premium but don't worry we won't process it until you confirm the change.
Unfortunately, not. Because insurance is required by law, we can’t legally put your cover on hold however you can cancel at any time if:
1. You no longer have a car
2. You have a SORN in place
3. You have already purchased insurance elsewhere
To report a claim, you can call Arc Legal Assistance directly on 08000 327 327 who will provide you with the advice and information you need.
Yes, we offer a 24/7 FREE legal helpline on 0333 999 7527, so you always have an expert on hand if you’re feeling overwhelmed.
If you have added Roadside Assistance to your car insurance policy, then yes, you are covered for a breakdown.
You can check by looking over your insurance docs in your account - it will have all the Policy Extras you purchased. The contact numbers are Emergency Breakdown Helpline: 0800 434 6303 or from Republic of Ireland 00 353 906 451981.
We’re sad you’re thinking of leaving us but all you have to do is contact us by email, live chat or call us on 08000 11 31 21, Mon-Fri, 9am to 5pm and we'll walk you through cancelling your cover.
A couple of things to take note of…
- If you cancel 14 days after taking out your policy or 14 days after receiving your policy docs, whichever one is later; there may be a cancellation fee.
- Car insurance is a legal requirement. So if you’re using your car on public roads, you must have insurance.
No , you don’t need to notify your insurance provider if you’ve attended a speed awareness course.
With Stroll Insurance, you can avail of vehicle breakdown cover or roadside assistance for as little as £30 for a full year of cover.
Here a just a few things you can do to bring down the cost of your car insurance:
1. Paying annually
Paying a lump sum for your insurance will cost you less in the long run as you will need to pay interest and a deposit if you pay in monthly instalments.
2. Build up your No Claims Bonus
If you can avoid making claims for minor issues you can pay yourself, you will earn a discount on the price you pay for your insurance. The longer you go without claiming, the bigger the discount should be.
3. Engine size and car groups
Research the type of car next time you’re buying. Generally, the cheapest cars start in Group 1 and the most expensive are placed in Group 50. High end motors tend to have more powerful engines and generally sit within the higher band of the insurance groups.
4. Avoid modifications
Modifying your car even for cosmetic reasons can often mean more expensive repair costs which is why you'll likely pay a higher insurance for a modified car to cover these.
5. Adding a named driver
Adding an experienced driver to your policy could lower the cost of your insurance.
Why would adding a driver bring down my insurance price?
Because you’re likely to be spending less time driving the car, which means your chances of having an accident and claiming decreases. Don’t forget, if you add a student, young or newish driver it will mean your premium will go up as they are seen as higher risk.