1.01 What age limits apply for Suzuki Insurance?
Applicants for Suzuki Insurance, and all drivers to be covered on the policy, must be aged at least 19 years and under 81 years – within these limits age criteria will vary according to the make and model of the vehicle to be insured. Other underwriting criteria, such as minimum years no claims discount, may also apply.
1.02 Is immediate cover available?
Yes. Just call Suzuki Insurance on 0800 980 1695.
1.03 How can I pay?
We accept all major credit and debit cards. Alternatively, you may pay monthly by direct debit. All you have to do is call us on 0800 980 1695 and inform us of your preference to pay by direct debit before you take out a policy with us, or when renewing your policy.
1.04 Do I need to be the registered keeper of the car to insure it?
Normally either the policyholder or their partner needs to be the registered keeper of the car. Suzuki Insurance can sometimes insure personal lease cars. Please call us on 0844 209 2598 for further details.
1.05 What type of cover can I get?
Suzuki Insurance offers comprehensive cover for the highest level of protection. It covers you for accidental damage, fire, theft or malicious damage to your own car, as well as any damage you cause to other people and their property.
1.06 Why do I have to tell you what I use my car for?
Suzuki Insurance needs to make sure that your policy covers the activities for which you use your vehicle. There are seven ‘classifications of use’:
Social Domestic & Pleasure (Excluding commuting):
Use only for social domestic & pleasure purposes excluding travel to and from permanent place of business.
Social Domestic & Pleasure (Including commuting):
Use only for social domestic & pleasure purposes including travel to and from permanent place of business.
Social Domestic & Pleasure and Business Use - Policy Holder (Class 1):
Use only for social domestic & pleasure purposes and use by the policyholder in person in connection with his/her business or profession excluding commercial travelling or use in connection with the motor trade
Social Domestic & Pleasure and Business Use - Spouse (Class 1):
Use only for social domestic & pleasure purposes and use by the policyholder’s spouse in person in connection with his/her business or profession excluding commercial travelling or use in connection with the motor trade
Social Domestic & Pleasure and Business Use - Policy Holder & Spouse (Class 1):
Use only for social domestic & pleasure purposes and use by the policyholder or spouse in person in connection with his/her business or profession excluding commercial travelling or use in connection with the motor trade
Social Domestic & Pleasure and Business Use - Policy Holder, Employer or Named Driver (Class 2):
Use only for social domestic & pleasure purposes and use for the business or trade purposes of the policyholder and/or the policyholder’s employer and/or named driver excluding commercial travelling or use in connection with the motor trade.
Social Domestic & Pleasure and Business Use - Policy Holder and Employer (Class 3):
Use only for social domestic & pleasure purposes and use for the business or trade purposes of the policyholder and/or the policyholder’s employer including commercial travelling or use in connection with the motor trade.
1.07 No Claims Discount. What does this mean?
Simply, it is a reward or bonus for good driving. Every year of claim-free driving earns you a discount off the cost of your insurance renewal. This is up to a maximum of five years. If you have already earned a No Claims Discount with any previous insurer, Suzuki Insurance will ask you to send written proof – usually a renewal notice or a No Claims Discount letter from your previous insurer.
1.08 Will you accept proof of No Claims Discount from abroad?
Yes, we can accept proof of No Claims Discount from any EU country as long as it is in writing and Suzuki Insurance can confirm the bonus with the insurer if necessary. The proof document must show your No Claims Discount in years and not as a percentage.
1.09 What about No Claims Discount from a company car?
In some instances Suzuki Insurance will offer an introductory bonus in return for evidence of claim free driving under a company car scheme. We would need to see the following information on company headed notepaper:
1.10 No Claims Discount. Can I protect this?
You will be able to protect your No Claims Discount so long as:
1.11 Car Modifications: What is your policy on this?
The basic answer is that it depends on the type of modification. Please call us on 0844 209 2598 for further details.
1.12 What type of driver licences do you accept?
1.13 How do I make a windscreen claim?
Should your windscreen become damaged in any way you will need to call our Glass Helpline on 0844 836 7385. If the windscreen is replaced, you’ll have to pay an excess of £80. Claims for repairs to your windscreen are subject to an excess of £25. Neither windscreen replacement nor repair will affect your No Claims Discount.
1.14 Travelling abroad: Will my policy cover this?
Your Suzuki Insurance includes FREE comprehensive cover for 30 days (the same cover you have in the UK) in all EU countries. Please inform us when you take your car to an EU country. You will need to take your Certificate of Motor Insurance with you.
1.15 Does my policy allow me to drive someone else’s car?
In most circumstances you will be covered Third Party to drive someone else’s car with their consent. However, certain conditions apply – please refer to Section C of your Policy Document.
1.16 Is my car covered for another person to drive?
Only if the person is named on your Certificate of Motor Insurance. To add another driver or drivers to your policy permanently or temporarily, please call Suzuki Insurance on 0844 209 2598.
1.17 How do I make changes to my policy?
Simply call Suzuki Insurance on 0844 209 2598 and tell us what you want to change.
1.18 What if my circumstances alter during the year?
All you need to do is tell us of any change by calling us on 0844 209 2598.
1.19 You state that other insurers won’t provide a courtesy car if I want my car repaired at a Suzuki Accident Repair Centre, whereas Suzuki Insurance will?
You usually only receive a courtesy car from other insurance providers if your car is repaired at one of their chosen repair centres, so if you insist on having it repaired at a Suzuki Accident Repair Centre, your insurer may withdraw the offer of a courtesy car. In contrast, with Suzuki Insurance, you are entitled to a courtesy car when your vehicle is repaired at a Suzuki Accident Repair Centre.
1.20 How do I get a replacement certificate?
If you lose your Certificate of Motor Insurance, or it becomes defaced or destroyed, just call us on 0844 209 2598 and a duplicate certificate will be sent out to you. Please note that we charge an administration fee of up to £25 for duplicate documents.
1.21 How do I cancel my policy?
To cancel your policy please write to us at the following address giving 7 days’ notice and either returning your Certificate of Motor Insurance or providing us with an electronic declaration of surrender in accordance with Section 147 of the Road Traffic Act 1988: Suzuki Insurance, Batchworth House, Church Street, Rickmansworth, Herts, WD3 1JE
2.01 What methods of payment do you accept for policy renewal?
We accept payment by debit or credit card, or continuation of your exiting direct debit. To change the way you pay for your policy, please call us on 0844 209 2598.
2.02 Will my premium change at renewal?
We aim to keep your renewal premium as low as possible. If you have four years or less No Claims Discount and have not made a claim during your time with us, you’ll receive a further year’s No Claims Discount. This will reduce your premium, but any rate increases that may have to be made during the year could mean your premium is higher than the previous year.
2.03 If I’ve made a claim, how will it affect my renewal premium?
If Suzuki Insurance already knows about the claim before we post your renewal pack, your No Claims Discount entitlement will have already been amended and your renewal premium revised to take the claim into account. If you make a claim and we’ve already posted your renewal pack, we will have to amend your No Claims Discount entitlement and revise your premium. We will let you know what your new premium is as soon as you notify us about the claim.
2.04 Will my No Claims Discount be affected if I’ve made a claim this year?
No Claims Discount becomes reduced for every claim you make in such cases where we don’t recover all of our costs. For all fault claims you make, your No Claims Discount will be reduced by two years (or one year if you only have one year’s No Claims Discount). Also, you won’t get an extra year’s No Claims Discount when your policy is due for renewal.
2.05 What if my No Claims Discount is protected or guaranteed?
You can make up to two fault claims in a five year period before we will remove the protection. If you make three fault claims in five years, we will remove the protection and reduce your No Claims Discount by two years.
2.06 Can I protect my No Claims Discount at renewal?
You will be able to protect your No Claims Discount as long as:
2.07 How do I make a change to my policy from renewal?
Just call us on 0844 209 2598 and we will make the changes for you.
2.08 What should I do if I’ve received a motoring conviction during the past year?
If you experience any of the following:
please call us immediately on 0844 209 2598.
2.09 What should I do if I’ve modified my car?
Please call us on 0844 209 2598 if you have modified your car, as we don’t cover all modifications. It’s important to note that a standard parts replacement clause applies to all modified cars.
2.10 What should I do if I don’t want to renew my Suzuki Insurance policy?
Please give us a call on 0800 980 1695.
2.11 When will I get proof of my No Claims Discount?
Your No Claims Discount proof can be found in your renewal pack - you’ll find it on the page titled Quotation Information.
3.01 How do I make a claim?
Call our claims helpline on 0800 107 1156.
3.02 What should I do if I am involved in an accident?
However careful you are, accidents do happen. It’s your job to try and avoid them; it’s our job to sort out the consequences as quickly and painlessly as we possibly can. Following these rules will keep the process uncomplicated for you and us:
3.03 Who repairs my car?
Suzuki Insurance only uses Suzuki Accident Repair Centres to repair your Suzuki to provide the highest level of service and quality of repairs for our customers. This maintains the full integrity, safety and will help to protect the residual value of your vehicle. The Suzuki Accident Repair Centre will also provide you with a free courtesy car for the duration of the repair. Each repair is carried out in accordance with your vehicle manufacturer’s technical standards, and the quality of the repair is guaranteed for 5 years. All replaced parts are manufacturer-approved.
3.04 What happens if I want to use my own repairer?
You may use a repairer of your own choice but doing so means that Suzuki Insurance will be unable to guarantee the work and you will need to obtain an estimate for us to approve the repair before work can commence. You will also lose your right to a free courtesy car, if you are the fault party.
3.05 Total loss. What exactly does this mean?
If the cost of the repair is disproportionate to the value of the vehicle, Suzuki Insurance may consider it to be beyond economic repair. This is referred to as a total loss.
3.06 If my vehicle is a total loss what about settlement value?
Your Suzuki approved repairer and the Suzuki Insurance engineer will inspect your vehicle. Following this, they will consult with you and place a value on the vehicle. The value will be based on the condition of the car before the incident took place including: the bodywork, mileage, interior and service history. Following the completion of the total loss report, Suzuki Insurance will conduct industry database checks. These aim to safeguard policyholders against any possible fraud. Once completed, payment will be sent to you, subject to the deduction of any excess.
3.07 What happens if my car is stolen?
The first thing you should do is report the theft to the Police. Ensure that you obtain a crime reference number, which you should make a careful note of. Then contact us on 0800 107 1156. We will take down the full details from you. After this, a number of insurance industry database checks will be carried out – these are designed to protect our customers from fraud. A personal claims advisor will discuss the claim with you. When our enquiries are successfully completed, an offer will be made to settle your claim.
3.08 Do I need to contact the Police after an incident involving my car?
You need to report any incident to the Police in the following circumstances:
3.09 How long will it take to sort out my claim?
Each claim is different so we are unable to give you an exact timescale. We aim to settle claims as quickly as possible. When you report the incident to your personal claims advisor he/she will give you a better idea of the period involved.
3.10 What happens in the claims process if the accident was not my fault?
We aim to have your car repaired, or a settlement to you if it is a total loss, as quickly as possible. During this period, you will receive a courtesy car for your immediate use. We will aim to recover any outlay we have made on your behalf from the person responsible for the accident – providing we’re successful, the claim will not affect your No Claims Discount.
3.11 What happens if the accident was my fault?
With comprehensive cover, a claims advisor will arrange the repairs to your vehicle (or an inspection if likely to be a total loss) and we will handle the other driver’s claim as quickly as possible. Any correspondence that you might receive from the other driver, or their insurers, should be forwarded to your personal claims advisor who will respond on your behalf. In the meantime you will be provided with a courtesy car for the duration of the repair.
3.12 What if the other driver disputes the accident circumstances?
Your personal claims advisor will do their very best to persuade the other driver (or their insurer) that the accident was their fault by presenting them with all the facts gathered and the facts that you have provided. Your personal claims advisor will always fight your corner but, on occasion, if the facts do not fully support either driver’s version of the incident, everybody involved may have to take some responsibility. If this happens, your personal claims advisor will negotiate the best possible settlement.
3.13 How does a claim affect my No Claims Discount?
If the incident was not your fault and Suzuki Insurance makes a full recovery from the responsible person, your No Claims Discount will be unaffected.
3.14 What is a Policy Excess?