Existing Customers FAQs
Do I need to tell you if there are any changes to my business?
Yes, any changes that may affect your insurance must be notified to us as soon as possible. If you are in doubt, please Contact Us.
How soon can you cover a new vehicle?
Cover is effective immediately, provided that your policy gives cover for the type of vehicle involved. It is your responsibility to notify us of this for MID purposes. Click here to find out how to notify us.
How do I notify you of vehicles that have been bought or sold?
Who is entitled to drive vehicles on my Motor Trade policy?
All our policies are issued on a “named driver” basis. There is only cover for drivers that are named on your Certificate of Motor Insurance. A maximum of seven named drivers is permissible. The only time an unnamed driver would be covered is if you have accompanied demonstration use and the driver is test driving the vehicle with a view to purchase.
Call us on 03301 00 87 20 (Option 3) if you want to add or delete a driver.
I want to travel abroad. Do I need a green card?
Provided you are travelling to an EU country, the minimum legal requirement applies. This may not be the same level of cover you have in the UK. To enable us to provide your usual level of cover you must request an extension of cover and advise us each time you travel outside of the UK. Please call our customer service team on 03301 00 87 20 (Option 3) for any foreign travel requests or enquiries.
Will I be able to drive my cars for private use?
Your Certificate of Motor Insurance will confirm the use applicable to each named driver. Only vehicles owned by the Policyholder or the Policyholders spouse (if they are a named driver) can be driven for private use. Where the Policyholder is a Limited Company or Limited Liability Partnership the vehicles must be owned by the Ltd Co or LLP.
If you are unsure on policy restrictions, please call our customer service team on 03301 00 87 20 (Option 3).
Can I change the level of cover my policy provides during the period of insurance?
Yes. Any increase or decrease in cover will likely affect your premium. Call us to find out more. Please note that you cannot add Protected No Claims Bonus during the period of insurance, so if you want this cover, make sure it is included when the policy starts or when you renew your policy.
Why don't you ask for the purchase or sale date when I notify vehicles for MID purposes?
Our policy covers vehicles that you own, but we do not need to know the date you bought or sold them. Provided it is owned by you and otherwise of a type covered by the policy and used and driven within the terms and conditions of the policy, you will be covered. You should make sure you keep all transaction receipts so you can provide proof of ownership, or sale, if required to do so by the police.
Why won't the MID update form recognise my vehicle details?
The form uses a third party database to look up registration details. Occasionally, it does not recognise a specific registration number. If this is the case, you can either manually type the details into the form or call us.
Where can I get a list of the vehicles currently notified to MID by Road Runner on my behalf?
What windscreen cover is provided under my policy?
All Comprehensive policies automatically include windscreen and window breakage cover for vehicles owned by the Policyholder or the Policyholders spouse (if they are a named driver). Where the Policyholder is a Limited Company or Limited Liability Partnership the vehicles must be owned by the Ltd Co or LLP.
The annual limit is £1,000 and there is a £100 replacement excess, reduced to £Nil for repairs, where carried out by AXA’s approved repairer network.
The AXA Glassline number can be found on your Policy Schedule.
What is the difference between a cover note and certificate of motor insurance?
A cover note is a temporary Certificate of Motor Insurance. It has the same legal standing as a Certificate of Motor Insurance. The only difference is the period for which it is issued. We normally issue a cover note when a policy first incepts. This will generally happen where we are waiting for you to provide us with certain supporting documentation such as proof of no claims bonus or copies of driving licences.