Do you cover drivers on a learners licence?
At this stage, you are unable to purchase a policy if you or any regular drivers of your vehicle are on a learner licence. Whilst they’re still pretty new they’re taking a fairly risk-averse approach to their policy selection, but they’re constantly reviewing their underwriting rules so this may change in future.
How do I know if my policy is paid up to date?
Simply head to the home carousel in your Messenger Cove Insurance conversation or log in to My Cove – if your policy isn’t paid up to date it will show as greyed out.
What happens if I change my mind?
If you’ve set up a policy to start in the future and you’ve changed your mind before it has started, it’s super simple to cancel your pending order via My Cove. Click here to do this. If your policy has already started and you’ve paid your first premium we allow you 14 days to change your mind or decide the policy isn’t right for you. Cancel the policy via My Cove using the link above and they’ll refund your premium to you (as long as a claim has not been made, or you’ve become liable under a car insurance policy). Please note usually it takes 3 to 5 working days for the bank to clear the refund back into your account. If your policy has been in place for longer than this, you can cancel at any time via My Cove. Please note there will be no refund of premiums paid in this circumstance.
Do I need to name other drivers on my policy?
They ask you to name any person who drives your vehicle, on average, more than once per month on your policy. Each driver is subject to their standard underwriting criteria. Failure to record any regular drivers on your policy may result in claims being declined so it’s best to do this as soon as you purchase a policy or when someone new begins using your vehicle to ensure you always have cover when you need it. You must provide an accurate driving history for every driver too – incorrect claims count or non-disclosure of traffic offences could result in claims not being paid and worst-case scenario, your policy being cancelled back to when it started. If in doubt about what needs to be disclosed simply contact them to discuss.
On what day will premiums be taken out of my account?
They set your renewal date for all your policies based on the date on which you took out your first policy with Cove. This allows them to bundle your billing into one transaction and give you the ability to manage one account rather than several individual policies. You can see when your policies are next due to renew by visiting the home carousel in your Messenger Cove Insurance conversation or log in to My Cove.