Frequently Asked Questions

Making a change to your policy, such as the examples listed below can be done by emailing, calling or visiting your local branch. Click here to find the contact details of your local branch.

Renew your policy
Change your address or personal details
Add drivers
Cancel your policy
Increase cover
Change bank details

 

Unfortunately we cannot offer this service online at the moment. However, making a change to your policy, such as the examples listed below can be done by emailing, calling or visiting your local branch. Click here to find the contact details of your local branch.

Renew your policy
Change your address or personal details
Add drivers
Cancel your policy
Increase cover
Change bank details

The aim of Laurie Ross is to provide you with a first class service at all times. However, we realise that things can sometimes go wrong and there may be occasions when you feel that you have not received the service you expected. When this happens we want to hear about it so we can try to put things right.

You should in the first instance call or write to the branch manager of where you took your policy out. Click here for branch details.

You can also write to :
Managing Director
Laurie Ross Insurance
7 Buchanan Street
6th Floor
Glasgow
G13HL

 

If it is not possible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service. This applies if you are insured in a business capacity and have an annual turnover of less than €2 million and fewer than ten staff.

You may contact the Financial Ombudsman Service at:
Financial Ombudsman Service,
Exchange Tower,
Harbour Exchange Square,
London,
E14 9SR
Tel: 03001239123

 

Yes, you can.

Click here to find a list of all our branches including telephone and email address.

Please call us to discuss cancellation.

Click here to find the contact details of your local branch.

Refunds may be available following your insurance being cancelled – but the amount can vary depending on when you cancel, how you’ve paid and whether there’s a claim on your policy.

Cancellations following a claim
If there’s been a fault or outstanding claim on your policy before you cancel, you’ll need to pay the full premium for the year – there are no refunds unless a claim has been settled non-fault.

Cancellations within 14 days
If you change your mind shortly after buying, you can cancel your insurance within 14 days of the start date.
If you cancel during this time, we will return your payment, excluding the charge for any days on cover and any non refundable fees or charges. Fees and charges can be found on your insurance documents.

Cancellations after 14 days
You can cancel your car insurance after 14 days from the start date, but you will need to pay a cancellation charge on top of the time you’ve been covered by us. Depending on the insurer who underwrites your policy you may be charged at a daily rate, a monthly rate or a percentage of your premium. The insurers cancellation rate can be found within your insurance documents. We’ll return payment after the cancellation date, minus the cancellation charge and any non-refundable fees. We will not refund any refund less than £25.00.

Click here to go to our Make A Claim page which will provide full instructions on what to do next and the helpline numbers to call.

You must check the Section of your car insurance certificate headed “Persons or classes of persons entitled to drive”. If we will cover you to drive other cars it will include this sentence or a variation of this sentence :

“The policyholder only may also drive a car not owned by them or hired to them under a hire purchase agreement and which is not used in connection with the motor trade”

Before driving someone else’s car please be aware that;

  • you must have the owner’s permission
  • their car must have valid insurance already
  • You can only use the car in the UK for the purposes stated on your certificate

The extension to drive other cars only applies to the policyholder and NOT named drivers. It only provides cover for third party damage or injury, and NOT fire, theft or accidental damage.

If you intend to drive another car regularly you should be added as a permanent driver to the owners policy which will increase the cover from third party only.

 

We understand you’ll want to test drive a new car before buying it – but make sure the car’s insured by the person or garage selling it before taking it for a test drive.

Car dealers should have their own special insurance in place to allow people to test drive the cars for sale – if the garage which is selling the car has this and has given you permission to test drive the car, you’re covered by their insurance.

It’s likely that private sellers and smaller garages won’t have this level of insurance, which means the car won’t have fully comprehensive cover on the test drive.

If the car is insured by the seller

Please check the Section of your car insurance certificate headed “Persons or classes of persons entitled to drive” of your car insurance certificate to make sure it shows you are permitted to drive other cars. If it does, and the car is insured by the person or garage selling it, we will provide the minimum cover you need to test drive it. Only the policyholder will be able to test drive the car under this extension and you should note that the cover will be limited to third party damage or injury only. See the section above for more details.

If the car is NOT insured by the seller

You will NOT be insured to test drive the car under the ‘Driving other cars’ extension even if the cover is shown on your certificate, as the car does not already have insurance in place. However you may be able to add the car to your policy as a temporary vehicle. Please call your local branch to discuss.

 

Yes, you need to send us your proof of No Claims Discount (NCD) straight away to validate your insurance policy.

Your No Claims Bonus is shown on your renewal invite from your previous insurer. We can accept this or a No Claims Discount confirmation letter from your previous insurer.

You can either hand it into any branch or send it by email to the branch you took your policy out. Please send us your policy number along with your proof of NCD. Click here for branch details.

We are unable to return your proof of NCD to you so you may want to take a copy for your own records.

 

 

No, the no claims discount applies to a single car; it can be transferred to an alternative car but it can’t be applied to an additional car or another vehicle.

A number of insurers will give discounts or allow you to mirror your NCB on a second car, but we would need to check with our insurers to find out if they would offer such incentives.

All insurers have a legal obligation to protect all our customers from financial crime e.g. fraud, and may require to verify your identity. The documents that we may request could include a copy of your driving licence.

As well as the information below we will also need a copy of the back and front of your photocard licence.

View your driving licence information

The paper counterpart to the photocard driving licence was abolished on 8 June 2015, so how you view your licence information has changed.

The DVLA has created an online service https://www.gov.uk/view-driving-licence 

You can use this service to:

  • view your driving record, e.g. vehicles you can drive
  • check any penalty points or disqualifications you have
  • create a licence ‘check code’ to share your driving record with someone, e.g. your employer or insurer

The ‘check code’ will be valid for 21 days.

Share your information with Laurie Ross

You can easily share your driving licence information with us.

Use the DVLA link provided to create a ‘check code’ that you can give to us to allow us to view your details.

The code lasts for up to 21 days, and can only be used once. You can have up to 15 different codes at once.

You can also give permission to share your details by phone.

Visit https://www.gov.uk/view-driving-licence

 

Your No Claims Discount (NCD) saves you money on your car insurance – so you may want to keep it safe.

If you qualify for this benefit, NCD protection can only be added:

  • when you buy a new policy
  • when you renew your insurance
  • if you have more than 4 years NCD

Every insurer has different rules as to how many claims can be made without losing any discount so please check with the team in your local branch or check your policy documents.

Home insurance cover comes in two parts – buildings insurance and contents insurance. You can choose either one or both of these based on your needs.

Buildings cover insures your bricks and mortar for events like fire and weather damage, while contents cover could protect your belongings against problems like theft, damage and loss.

Buying a combined policy from the same insurer can often be cheaper than getting two separate policies, ask a member of our team to check for you.

If you’re a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment.

You don’t usually need buildings cover if you’re renting, but you may want contents insurance to help cover the cost of replacing your things if you suffer a loss.

As the owner, your landlord will be responsible for the maintenance of the building, so it’s down to them to ensure their property is protected with buildings insurance.

But you’re responsible for any contents inside that you own. If anything were to happen to your possessions, you would liable yourself for the cost of replacing them.

As a rule of thumb, anything you’d take with you if you moved house should be included on your contents policy – including items like curtains and carpets.

It’s worth taking the time to go around your house from room to room and putting a reasonable value on everything.

It’s easy to underestimate the value of your contents, but it’s important to make sure you’re not underinsured.

This type of insurance covers loss or damage to all the things in your home which are not part of the structure or the building so you can replace and repair them without having to spend a fortune.

All your personal belongings will usually be covered for loss or damage, including:

  • Furniture
  • Electrical goods
  • Clothing
  • Jewellery

Different policies offer different levels of cover but generally you’ll be covered against theft, fire and flood.

‘Accidental damage cover’ is usually optional so don’t assume it’s included in your policy.

‘Personal possessions cover’ is also an optional extra. This will cover items you take outside your home (or abroad as long as the trip is with 30 days) like cameras, jewellery, laptops and briefcases.

‘Valuables.‘ Many contents policies have a single item limit of just £1,500. If you have expensive items such as jewellery or works of art then disclose these as you may need to buy extra cover for these when you take out your policy.

 

Covers the cost of repairing or rebuilding your home if it’s damaged by storm, floods, fire, lightening, subsidence, etc. Garages and shed within the homes perimeter are also covered.

You won’t be covered for general wear and tear.

 

 

Anyone who drives a taxi for profit, whether it’s a private hire vehicle or a public hire car such as a black hackney, will need specific taxi insurance.

Standard car insurance won’t cover you, even if it includes cover for business use.

Private hire vehicles are minicab-type vehicles that can only be pre-booked and can’t be hailed at a taxi rank or on the street.

Public hire vehicles are black cabs, hackney carriages and other vehicles that are licensed by the council to pick up fares on the street and at taxi ranks.

These two categories have different levels of risk involved, but how much you pay for your policy is more likely to depend on factors like your age, location and annual mileage.

If you want to use your taxi when you’re not working you need to check your insurance covers personal use as well as business use.

If you have another part time job and want to use your taxi to go to and from work, you must check your insurance covers commuting use as well as business use.

Although you may be able to add your spouse/common law partner to your insurance policy as a named driver, you’ll also need to make sure your local authority allows unregistered drivers to be on the roads in a registered taxi.

No, you cannot transfer NCD directly from a car insurance policy to a taxi insurance policy. However some insurers may give a discount, some may allow you to mirror your bonus from the car to the taxi, some also allow you to transfer the bonus but will only allow 1 year discount. This all depends on the insurers own rules.

 

No, unlike some car insurance policies a taxi insurance policy only covers you to drive the taxi shown on the vehicle insurance certificate. You are not covered to drive any other taxi or private car.

Yes, you need to send us your proof of No Claims Discount (NCD) straight away to validate your insurance policy.

Your No Claims Bonus is shown on your renewal invite from your previous insurer. We can accept this or a No Claims Discount confirmation letter from your previous insurer.

You can either hand it into any branch or send it by email to the branch you took your policy out. Please send us your policy number along with your proof of NCD. Click here for branch details.

We are unable to return your proof of NCD to you so you may want to take a copy for your own records.

All insurers have a legal obligation to protect all our customers from financial crime e.g. fraud, and may require to verify your identity. The documents that we may request could include a copy of your driving licence.

As well as the information below we will also need a copy of the back and front of your photocard licence.

View your driving licence information

The paper counterpart to the photocard driving licence was abolished on 8 June 2015, so how you view your licence information has changed.

The DVLA has created an online service https://www.gov.uk/view-driving-licence 

You can use this service to:

  • view your driving record, e.g. vehicles you can drive
  • check any penalty points or disqualifications you have
  • create a licence ‘check code’ to share your driving record with someone, e.g. your employer or insurer

The ‘check code’ will be valid for 21 days.

Share your information with Laurie Ross

You can easily share your driving licence information with us.

Use the DVLA link provided to create a ‘check code’ that you can give to us to allow us to view your details.

The code lasts for up to 21 days, and can only be used once. You can have up to 15 different codes at once.

You can also give permission to share your details by phone.

Visit https://www.gov.uk/view-driving-licence

Click here to go to our Make A Claim page which will provide full instructions on what to do next and the helpline numbers to call.

Unfortunately you are not covered under your van insurance policy to drive another van or car.

We understand you’ll want to test drive a new van/car before buying it – but make sure the vehicle’s insured by the person or garage selling it before taking it for a test drive.

Van/car dealers should have their own special insurance in place to allow people to test drive the vehicle for sale – if the garage which is selling the vehicle has this and has given you permission to test drive the vehicle, you’re covered by their insurance.

It’s likely that private sellers and smaller garages won’t have this level of insurance, which means the vehicle won’t have cover for a test drive.

You may be able to add the vehicle to your policy as a temporary vehicle. Please call your local branch to discuss.

Private van insurance allows you to use your vehicle solely for social reasons, for example seeing friends. Commercial van insurance, also known as business van insurance, permits the driver to carry out a trade or profession using the vehicle, such as making deliveries or transporting tools and equipment.

If you commute to even one place of work in a van, you’ll need commercial insurance.

The categories are:

  • Social only
  • Carriage of own goods
  • Carriage of goods for hire and reward
  • Haulage

 

No, some insurers will give discounts on a second vehicle and some may allow you to mirror your bonus from a car to a van, but this is not common and depends on them offering insurance across different vehicles.

No, the no claims discount applies to a single van; it can be transferred to an alternative van but it can’t be applied to an additional van or another vehicle.

A number of insurers will give discounts or allow you to mirror your NCD on a second van, but we would need to check with our insurers to find out if they would offer such incentives.

Yes, you need to send us your proof of No Claims Discount (NCD) straight away to validate your insurance policy.

Your No Claims Bonus is shown on your renewal invite from your previous insurer. We can accept this or a No Claims Discount confirmation letter from your previous insurer.

You can either hand it into any branch or send it by email to the branch you took your policy out. Please send us your policy number along with your proof of NCD. Click here for branch details.

We are unable to return your proof of NCD to you so you may want to take a copy for your own records.

All insurers have a legal obligation to protect all our customers from financial crime e.g. fraud, and may require to verify your identity. The documents that we may request could include a copy of your driving licence.

As well as the information below we will also need a copy of the back and front of your photocard licence.

View your driving licence information

The paper counterpart to the photocard driving licence was abolished on 8 June 2015, so how you view your licence information has changed.

The DVLA has created an online service https://www.gov.uk/view-driving-licence 

You can use this service to:

  • view your driving record, e.g. vehicles you can drive
  • check any penalty points or disqualifications you have
  • create a licence ‘check code’ to share your driving record with someone, e.g. your employer or insurer

The ‘check code’ will be valid for 21 days.

Share your information with Laurie Ross

You can easily share your driving licence information with us.

Use the DVLA link provided to create a ‘check code’ that you can give to us to allow us to view your details.

The code lasts for up to 21 days, and can only be used once. You can have up to 15 different codes at once.

You can also give permission to share your details by phone.

Visit https://www.gov.uk/view-driving-licence

Your No Claims Discount (NCD) saves you money on your van insurance – so you may want to keep it safe.

If you qualify for this benefit, NCD protection can only be added:

  • when you buy a new policy
  • when you renew your insurance
  • if you have more than 4 years NCD

Every insurer has different rules as to how many claims can be made without losing any discount so please check with the team in your local branch or check your policy documents.

Business insurance covers your business in the event of an emergency or unforeseen circumstances.

It can provide peace of mind that your business will be able to continue to operate should anything happen to your property or equipment, and that any potential claims would be met if a third party was injured on your premises.

In some cases, Business insurance is a legal requirement.

There are lots of Business insurance options available for business owners including:

  • Business premises insurance/also known as commercial buildings insurance
  • Business assets insurance, also known as business contents insurance
  • Public liability insurance
  • Employers’ liability insurance
  • Professional indemnity insurance
  • Other specialist policies

Public liability insurance covers the cost of injury to a third party or their property on your premises, or as a result of your business operation. Claims could easily run into hundreds of thousands or even millions of pounds, so without public liability insurance, you could face bankruptcy in the event of a claim.

Employers’ liability insurance protects employees and a business in the event of someone being injured or becoming ill as a result of their work. All UK-based employers are legally required to have employers’ liability insurance.

Some business contents policies cover tools, equipment and stock, so make sure that the cover you buy is right for your needs. Consider your business requirements, the value of your equipment or stock and whether you might need new-for-old cover in the event of items getting damaged, lost or stolen.

 

Factors considered by insurers when calculating your premium include:

  • Size of your business
  • Location
  • Type of work you do
  • How much cover you need
  • How long you’ve been in business
  • Previous claims

Business interruption insurance provides cover if you lose money as a result of not being able to trade. This could be due to stock or equipment being stolen, damaged or destroyed. It also covers any additional costs you have to pay out to get your business back up and running.

Employers’ liability insurance is the only aspect of Business insurance that’s a legal requirement.

However, having the right cover can be crucial in protecting your business, staff, clients and the general public, so it’s advisable to compare the options and take out appropriate cover for your needs.