FAQ's
Is my quote guaranteed?
Yes, for 30 days. Click here to retrieve
your quote
Does my policy have a courtesy car?
Diva insurers provide a courtesy
car for the duration of the repairs in the event of an insurable incident
covered under fully comprehensive cover
(subject to terms and conditions).
What other services do you provide?
In addition to our website and call centres, we have a network of over 450 Swinton
branches to help you with your insurance needs. If you like, pop in and have a chat
with them, they’re friendly and really know their stuff
Can I cancel my insurance?
This is the bit where we sound like your old headmaster.
You have a right to cancel any insurance you buy through us and to recover any payment
made (except as stated below). You can do this by giving notice to your branch (whose
address is shown on the covering letter) within 14 days of your receipt of the policy
document.
If you do exercise this right to cancel your insurance, you will be charged by the
insurer for the service provided up to the point of cancellation. We will also make
a cancellation charge of £45 except as shown in the service charges table. You will
not be entitled to a refund of the service charge or credit card handling charge
made by us for arranging your insurance.
Further, if you exercise this right to cancel your motor insurance, any Drivers
Legal Protection you hold will also be cancelled.
If you do not exercise this right to cancel, any remaining cancellation rights will
be as set out in the policy document.
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What will you pay for our services?
The service charges we make may change from time to time. The tables below show
the charges applicable at the time of printing.
|
Type of transaction
|
Service charge
|
Notes
|
|
Quotation (all policy types)
|
No charge
|
|
|
New policy inception (with the exception of policies incepted on our website - see
below)
|
£15
|
|
|
New policy incepted via our website (if quoted on our website and then incepted
via phone or the branch the service charge will be £15).
|
£10
|
|
|
Change of address for Home, Building and/or Contents policies.
|
£25
|
Where a transaction results in a premium refund being due to you, that refund will
be reduced by any service charge and any other sums you owe in respect of the policy
|
Changes to existing policies
Change of address (excluding Home, Building and Contents policies)
Foreign use extensions on motor policies
|
No charge
|
|
|
Any other changes to existing policies (for taxation purposes or otherwise)
|
£25
|
Where a transaction results in a premium refund being due to you, that refund will
be reduced by any service charge and any other sums owing in respect of the policy
|
|
Cancellations
|
£45
|
Not charged on the cancellation of the following policies: any travel policy, Driver’s
Legal Protection, Household Legal Protection, Landlords Legal Protection, Home Emergency,
Breakdown, Accidental Death Benefit, Personal Accident
|
|
Duplicate documents and cover notes
|
£20
|
If a duplicate certificate is requested at the same time as a request for a cover
note then only one £20 charge will be made
|
|
Direct Debit defaults
|
£12
|
|
|
Returned cheques
|
£15
|
|
|
Payment by credit card
|
2% of the total amount payable
|
This charge is in addition to the charges stated above. Not charged if you opt to
pay the deposit on our direct debit plan by credit card.
|
For payment by instalments, a minimum deposit of 40% is required. Applies to annual
policies only, minimum premiums apply. Not available for policies incepted via our
website.
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Am I able to use my No Claims Discount (NCD) or No Claims Bonus (NCB) on more than
one policy?
Sorry girls they can only be applied to one vehicle at a time, on one policy. NCD
proof will only be issued in the event of the cancellation or lapse of a policy.
You will receive one year's NCD for each continuous 12-month period you are insured
without making a claim.
Will I be charged for my policy?
Yes, in common with other insurance providers, Diva has a standard cancellation
charge of £45.00 on all policies.
Our advice is to make absolutely sure that this is the right policy for you and
that you’re going to use it for the duration you agree to.
Girls, please refer to your policy booklet for details of the cancellation charges
imposed by your insurer. Full details of our cancellation charges are available
for you to view online during the quote process.
If I cancel my breakdown cover mid-term will I receive a refund?
Outside the cooling off period, which is 14 days from receipt of your policy documents,
unfortunately there is no refund on breakdown cover.
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