Motor Insurance

We have over 50 years of experience providing motor insurance for the people of Long Eaton and beyond. 

 At Routen Chaplin, we pride ourselves on our thorough customer service. You will find us friendly and helpful. 

Firstly, we will discuss your requirements before searching a panel of top insurers to provide the most suitable level of cover for your needs. From our conversation we may discover that optional extras such as breakdown cover, Motor Legal Protection and No Claims Bonus Protection, is required.

If you own more than one vehicle or have a specialist vehicle, we can also advise on the right insurance solution for you.  

 

Contact us

Get in touch to speak to a member of our team.

0115 973 7302

"I believe in long-term relationships and in the last 15 years of working with Routen Chaplin, we have always received an exceptional customer service."

Nigel Rowson, Dairy Communications Ltd

"Some of our insurance requirements have been a little complex and Routen Chaplin have always managed to secure us with favorable terms."

Javid Rafiq, Sigma Commercial Solutions Ltd

"I am very satisfied with my level of service, everything is always well explained, quick & efficient."

Paul Rigby, Riggers Mobile Auto Repair

FAQs

Q: Can I add a second vehicle to my policy?

This is possible, most insurers offer a facility to add a second vehicle on temporary basis from 1 – 28 days in any given policy year. If you need cover for more than this period then you will need to take out a separate annual motor policy.

 

Q: Can I add a named driver to my policy?

This is possible, dependant on their personal details. Please complete the additional driver form which you can download here (Hyperlink). Most insurers’ offer a facility to add a driver on temporary basis from 1 – 28 days in any given policy year subject to personal details.

Q: What is a No Claims Bonus (NCB)?

A No Claims Bonus (NCB), or No Claims Discount, is a total of the number of years in which you haven't made a claim on your car insurance policy. The amount that it is worth varies from insurer to insurer, but a NCB of five years or more, for example, is likely to give you a significant discount on your premium. No claims bonus expires after 2 years of non-use.

If you're not at fault and another party takes the blame, your discount should remain in place. A way to protect your No Claims Bonus is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, your No Claims Bonus would stay intact.

Q: How much discount does a No Claims Bonus give?

The British Insurance Brokers’ Association says that a driver who has gone a year without making a claim will get a discount of around 30% off their premium, while someone in their second year of driving will get around 40% off. After building up a No Claims Bonus for a number of years, drivers can receive a maximum discount of around 60 or 65%.

Q: What is No Claims Bonus Protection?

If you have an accident and take some or all of the responsibility, it’s likely that you’ll lose some or all of your No Claims Bonus. If you’re not at fault and another party takes the blame, your discount should remain in place.

A way to protect your No Claims Bonus is to pay an additional amount on top of your car insurance to protect it. This means that even if you were to make a claim, your No Claims Bonus would stay intact. Making two claims in a year with a protected No Claims Bonus won’t have an effect with some insurers, though others may significantly reduce it.

It’s worth remembering that a protected No Claims Bonus won’t entirely shield you from a higher premium when you come to renew your car insurance. When calculating premiums, insurers look at the number of years without claims as well as the number of claims made.

Q: Am I covered to drive other vehicles?

You will need to check your insurance documents as this is not given as standard. Just because you have a fully comprehensive policy doesn’t mean you’ll be automatically covered for driving any other vehicle.

Q: What's Guaranteed Asset Protection (GAP) Insurance?

A GAP policy is useful as it can pay the difference between the original purchase price of the vehicle and what your insurer will pay out in the event of a total loss or write off, as in such a case most insurers will only pay the market value of your car at the time of the loss.

For example, if you have an accident which results in the vehicle being a total loss and the market value of your vehicle at that time is £19,00, but you purchased the vehicle for £25,000, your GAP insurance can cover the difference between these two sums depending on the level of cover chosen.

GAP Insurance can be taken out for different lengths of time, and for vehicles bought outright, Hire Purchase or on Finance. Please contact us for more details.

Q: Why do you ask about non-motoring convictions?

It's standard for most insurance companies to ask about non-motoring convictions because it gives an indication of the moral risk of the insured. For example, if a driver had been found guilty of dishonesty, fraud or theft, then the insurance company is less likely to accept them as a policyholder because of this, or will charge more for a policy. We don't ask for the specific details of the non-motoring conviction as there are too many to choose from and they're constantly changing. We just ask if you have a non-motoring conviction.

Q: Will I be charged if I cancel my policy?

If you cancel your policy within the cooling-off period, some insurance providers may charge a fee to cover their administration costs in addition to a charge for the cover provided. Where a fee is charged for the cover provided, this is typically worked out pro-rata, which means the charge is calculated based on the number of days your insurance has been in force. Cancellation fees after the cooling-off period are handled in a similar manner. Some insurers charge a cancellation fee, others don't, while any refund entitlement will be worked out pro-rata.

Q: Can I choose my own vehicle repairer?

Most insurance providers offer an approved repairer service. Policyholders may choose their own repairer, but this could potentially compromise an entitlement to a courtesy car and/or any guaranteed repair period.

Q: What if my car's damaged by a driver with no insurance?

The Motor Insurers' Bureau protects anyone who is injured or who has their property damaged by an uninsured driver and will provide compensation should this happen. There is a link here to a website where you can download or complete a claim form. Download.

Documents

Additional Driver Form
Fill out this form for additional drivers
PDF 188kb

Claims Information

Our team will assist you when you need it most. Helping you to process your claim as quickly and effectively as possible, furthering our aim to provide you with the best possible service.

About Us

We buy effective insurance solutions for personal and business clients. Our dedication to service excellence has helped us to form long-lasting relationships with everyone we engage with.