Škoda Car Insurance

If your vehicle’s annual mileage estimate changes due to a change in circumstances, it’s important to update the estimate you gave us at the start of your policy. If you don’t, it could affect any claim you make in the future. 

To change your estimated mileage please log into your account and follow these steps:

1. Select 'Your car make changes' 
2. Select 'Edit car and cover' 

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Your policy number can be found by selecting 'Policy Summary’ once logged into your account. You’ll see it at the top of that page as well as on your online documents, or any we send you.

If you have any accessibility or usability specifications you'd like support with, please email us at skodacarinsurance@allianz.co.uk or give us a call at 0330 678 6328 and we'll take it from there. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

We're extremely sorry for your loss and understand what a difficult time this is. 

Please email us at skodacarinsurance@allianz.co.uk or give us a call at 0330 678 6328 and we'll get back to you with information, support and next steps. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

We'll ask you for the email address and password you set up when creating your account, then you'll be able to view or edit your policy details.

You can make changes anytime by logging in and selecting 'your car, make changes' or any of the other buttons that relate to your change.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Simply log in to your account and follow these steps:

1. Click the payment tile.
2. On the ‘payment details’ page, click change card.
3. Agree/select the consent and click change card.
4. On the ‘change your payment card’ page, update your card details and click confirm.
5. Your new card details will be updated and shown on the payment details page.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Don’t worry, we’ve all forgotten a password at one time or another. Just log in to your account, enter your email address and click ‘Forgotten Password.’

We’ll send a message to the email address you’ve registered with us and provide you with a link that will reset your password. To keep your data secure, the link will only be valid for 10 minutes.

We need to make sure we fully understand the issue, or whether there's a system outage. Please email skodacarinsurance@allianz.co.uk with as much detail about your issue as possible and we'll get back to you.

You’ll find everything you need in your online account. Simply log in and click the documents icon. This will bring up your policy documents and document of insurance, which you can also download as a PDF.

You can cancel your policy by following the below steps:

1. 1. Log in to your account.
2. 2. Select 'cancel policy’. 
3. 3. Select the date you’d like your policy to end. 

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Cover will end on the date you select at 23:59. Once cancelled a policy cannot be reinstated. Any refunds quoted will take 3-5 business days. 

Remember, changing your car can also change the price you pay. To change your car, log in to your account and follow the steps:

1. Log in to your account and select 'Your car, make changes'
2. On the your car page, select 'Change this car'
3. On the Replace your car page, select the option to get a quote and click ‘Next’
4. Enter the registration of the new vehicle, or take a photo of the number plate
5. Select ‘find my car’ and enter the details of the correct vehicle, driver, mileage, location and usage
6. Click ‘Next’ and select the date you’d like the cover to start. On the date you select you’ll be covered on both your existing and your new car for the full day until 11:59 pm to give you time to change vehicles.
7. If you have our Essentials cover level, you will be given the option to upgrade to our Plus cover level. Please check that the cover level selected is right for your needs.
8. Finally, check the price, the car details and any optional extras. Please also check the excesses that apply to your new vehicle as they may have changed. When you’re ready, click ‘Next’

If your vehicle is newly registered and therefore the vehicle details are not presented when entering the registration of the vehicle (step 4 above), select 'No' and you’ll be asked to enter the vehicle details manually. 

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

You don't need to contact us if you need to make a window or windscreen claim. You can get in touch with our recommended windscreen repairers directly by using this link [https://www.nationalwindscreens.co.uk/allianzcar].

Or by calling 0330 678 6328 and selecting the option for windscreen claims. Calls may be recorded. For Text Phone, first dial 18001.

Don't worry, windscreen claims don't impact your no claim discount.

First things first, make sure you and your passengers are safe - your claim doesn't need to be reported to us immediately.

Once you're comfortable, you'll need to:

• Take note of the time, date and location.
• Make a record of what happened.
• Get names and contact details of the other driver(s) and any witnesses.
• Write down the licence plates of the other cars involved.
• Take pictures of any damage.
• Note down any injuries.

You'll need to call the police if:

• The other driver(s) left the scene without providing their details.
• You suspect the other driver(s) may have caused intentional damage.
• You think the other driver(s) could be uninsured.
• You have reason to believe the other driver(s) is under the influence of drugs or alcohol.

How do I report a car insurance claim?

Give our claims team a call at any time on 0330 678 6328. Opening hours: 24/7 Monday - Sunday. Calls may be recorded. For Text Phone, first dial 18001.

If you’re not using a mobile phone, simply log in to your account, select ‘make a claim’ and we’ll show you the right contact information.

If you’re following up on an existing claim, please call us and select the existing claim option to discuss your ongoing claim or repairs with our claims team.

If the people involved in the incident disagree on what happened, we'll look at all evidence available, such as witness statements and CCTV footage. 

It's really important you share all details of the incident to support your claim as soon as possible; if you can give us contact details for witnesses, information about any police involvement, photographs, details of where the accident happened and if there were any CCTV cameras or dash cam footage - that would be extremely helpful.

We'll keep you updated throughout the car insurance claims process with next steps.

Firstly, we're so sorry to hear your car's been stolen. We're here to help.

The first thing to do is report the theft to the police immediately - you can dial ‘101’ and ask to be put through to your local station. They'll ask for details including your registration number, make, model and colour of the car. They’ll also give you a crime reference number which you’ll need to provide when you call us.

When you're ready to make a claim, we'll be by your side to get things sorted.

If you have our Plus cover level or have added a Guaranteed Hire Car to your Essentials policy, we'll also arrange a hire car for up to 21 days or four days from the date we pay your claim (whichever comes first).

Just give us a call on 0330 678 6328 at any time. Calls may be recorded. For Text Phone, first dial 18001.

You’ll need to call the police if: 

• The other driver(s) left the scene without providing their details.
• You suspect the other driver(s) may have caused intentional damage.
• You think the other driver(s) could be uninsured.
• You have reason to believe the other driver(s) is under the influence of drugs or alcohol.

Then, give our claims team a call any time on 0330 678 6328. Calls may be recorded. For Text Phone, first dial 18001.

Firstly, if you have an accident causing damage or injury, you need to report the incident to the police within 24 hours (if you haven't already given them your details at the time of the accident).

You must also report the accident to your insurance company, even if you’re not planning to make a claim. 

It depends what you're claiming for and if you opted for Protected NCD (PNCD).

Whether you make just one claim or multiple claims, if you have Protected NCD, you won’t lose your discount.

If you didn’t protect your NCD, your discount will be reduced in line with our 'step back rules' which you’ll find in your car insurance policy document.

There are some other instances where a claim won't have affected your NCD - even if you don't have PNCD. For example:

• You were involved in an accident that wasn't your fault and we recovered the cost from the at-fault insurer.
• You have paid an excess for getting a chipped windscreen sorted. 

It’s worth remembering that even if you have PNCD and make a claim (whether fault or non-fault), your premium can still increase at renewal.

If you have our Essentials cover level, new car replacement is not included.

With our Plus cover level, new car replacement is included as standard. We'll look to replace your car with a new one if it's involved in a claim and written off, as long as the car is less than a year old and you or your partner are the first and only registered keeper.

The replacement vehicle will be of the same or similar specification. You'll find all the details in your Document of Insurance in your online account.  

Yes. If your car needs to go into a garage for MOT/service/repairs and the garage have offered you a courtesy car for the duration, you're insured to drive this under your policy.

We'll pay you the excess back as soon as the third party's insurer has accepted responsibility. 

This might not always be possible or could take time. For example, the other driver could deny causing the accident or their insurer might not reply to us straight away.

Whatever happens, we'll keep you updated at every stage.

With our Plus cover level, Guaranteed hire car is included as standard. Our Essentials cover level gives you the option to add a Guaranteed hire car as an optional extra. 

If you have our Plus cover level or have added Guaranteed hire car to your Essentials policy, then you'll receive a small 3-door hatchback while your car is being repaired. 

If your car is written off or stolen and not recovered, you'll receive one for 21 days, or 4 days from the date the claim payout is made (whichever is sooner).

Yes. We'll need information regarding a driver’s complete claims history, although this will not be taken into consideration until you renew your policy.

If you don’t keep your claims information up to date, this could result in your policy being cancelled.

A car insurance excess is the amount  you have to pay out yourself if you make a claim. There are two types of excess:   

• Compulsory excess - this is a fixed excess, set by us, which you'll have to pay if you make a claim. The amount varies depending on your circumstances.
• Voluntary excess - this is the amount that you agree to pay, in addition to your compulsory excess, if you make a claim. People agree to a voluntary excess in return for a lower premium. 

For example, if we've set a compulsory excess of £250 and you choose a voluntary excess of £100, the total excess you’ll need to pay in the event of a claim would be £350.

Please check your insurance documents to see what your excess is.

You'll have 60 days from the date the write-off is confirmed, to decide whether to transfer your cover to a different car.

If you don't want to transfer your cover, you'll need to cancel your policy otherwise the cover and any payments will continue.

If you're in a hire car when your policy ends, you'll need to give the hire car back.

Once the start date of your policy has been set, you won’t be able to change it. This is because one of the factors affecting your price, is the date you need the policy to start.

We know things can change though, so if your start date no longer works for you, the best thing to do is cancel your policy and take out a new one. You can do this in your online account or by calling us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

If your cover has already started, you may be subject to a cancellation fee payment.

Remember, if you change your start date, your price may change too.

To add or remove a driver with a UK or EU licence, log in to your account and follow the steps below...

Changing your drivers or editing their details could also change the price you pay. 

To add a driver:

1. Log in to your account. 
2. Select 'your car, make changes'.
3. Under 'drivers' select ‘add another driver’.
4. Enter the details of the new driver.

To remove a driver:

1. Log in to your account.
2. Select 'your car, make changes'.
3. Under ‘Drivers’ select ‘edit’ under the driver you would like to remove.
4. Complete the details as prompted to remove the driver.

When adding or removing a driver, you’ll be shown a new price and a summary of all the drivers and excesses that apply. Please check the cover meets your needs and all details are correct before confirming the change.

In some cases, if you are adding a driver to an Essentials policy and the additional driver does not meet our underwriting criteria for that cover level, then we may be able to offer the option to upgrade your cover to our Plus cover level. If you are eligible for our Plus cover level you will see a message with the option to upgrade.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Once you have received confirmation from the DVLA that the registration is officially matched to your car you can update your registration on your online account. 

1. Log into your online account 
2. Select 'your car, make changes' 
3. Select 'Edit car or cover'
4. Select 'change your number plate'

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

If the DVLA hasn’t processed the change, and you change your registration plate on your Škoda Car Insurance policy, your cover could be cancelled.

You can cancel your policy by following the below steps:

1. Log in to your account.
2. Select 'cancel policy’. 
3. Select the date you’d like your policy to end. 

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Cover will end on the date you select at 23:59. Once cancelled a policy cannot be reinstated. Any refunds quoted will take 3-5 business days. 

You can change your address in your online account. Here’s how:

1. Log in to your account. 
2. Head to ‘your account details’.
3. Select ‘change address’.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Remember, your address is one of the factors we use to calculate your price (every postcode has a different rate), so changing your address could also change your price.

Remember, changing your car can also change the price you pay. To change your car, log in to your account and follow the steps:

1. Log in to your account and select 'Your car, make changes'.
2. On the your car page, select 'Change this car'.
3. On the Replace your car page, select the option to get a quote and click ‘Next’.
4. Enter the registration of the new vehicle, or take a photo of the number plate.
5. Select ‘find my car’ and enter the details of the correct vehicle, driver, mileage, location and usage.
6. Click ‘Next’ and select the date you’d like the cover to start. On the date you select you’ll be covered on both your existing and your new car for the full day until 11:59 pm to give you time to change vehicles.
7. If you have our Essentials cover level, you will be given the option to upgrade to our Plus cover level. Please check that the cover level selected is right for your needs.
8. Finally, check the price, the car details and any optional extras. Please also check the excesses that apply to your new vehicle as they may have changed. When you’re ready, click ‘Next’.

If your vehicle is newly registered and therefore the vehicle details are not presented when entering the registration of the vehicle (step 4 above), select 'No' and you’ll be asked to enter the vehicle details manually.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

If you need to change your name because of a change in your marital status or a change applied through a deed poll, you can do this in your account.

Here’s how:

1. Log in to your account.
2. Click 'your car/make changes' button and edit your marital status and/or surname.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

You can make any changes online by logging in to your account or by calling us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

There are no admin fees. Remember, though, any changes you make can still change your price.

With Škoda Car Insurance, you can make changes to your cover requirements at any time, but there are some things you can’t change - like your previous driving history.

This is because one of the factors affecting your price, is your claims and conviction history, so changing this would change your quote.

We understand that things change though, so the best thing to do is to cancel your policy and take out a new one with your up to date driving history details.

The good news is it’s nice and easy. Just log in to your account and select 'cancel my policy'. You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

When you set up a policy with us, you’ll have selected either Plus which is our highest comprehensive cover, or Essentials, which covers the basics.

If you have our Plus cover, you won’t be able to change your cover level to Essentials until your renewal.

If you have Essentials cover, you can switch to Plus at renewal or within the policy year when making a change to your policy.

It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the right policy for you.

When renewing, you should always check your level of cover still meets your needs.  We’ll send you an email 30 days before your renewal date, at which point, you can review your renewal cover details and price in your online account.

It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the right cover for you.

With our Plus cover level you'll have Comprehensive cover while driving your car in the EU for up to 180 days of the policy year.   

With our Essentials cover level, you'll have the minimum compulsory cover needed by law to drive a car in Europe for up to 180 days of the policy year. Your car must be registered and usually kept in Great Britain or Northern Ireland.  

You no longer need a green card if you're driving within EU countries or countries that follow EU directives. We do not provide cover for Albania, Morocco or Turkey.

With our Plus cover level, you're covered for putting the wrong fuel in your vehicle. We'll pay to fix the engine damage and also drain & flush the fuel tank.

Misfuelling cover is not provided on our Essentials cover level.

*You will need to pay your accidental damage excess, this amount is shown in your documents.

If you have our Plus cover level or have added a Guaranteed Hire Car to your Essentials policy, then you'll receive a small 3-door hatchback while your car is being repaired.

If your car is written off or stolen and not recovered, you'll receive a hire car for 21 days, or four days from the date the claim payout is made (whichever is sooner).

If you've sold your car and don't have a new car to insure, you'll need to cancel your policy via your online account.

If you've replaced your car with a new one and need to insure it, you can transfer your policy over to the new car online via your account (remember, your price may change).

We'll need:

• The new vehicle registration number.
• Details of any changes to the manufacturer's standard specification.
• Any changes in how you use the vehicle (e.g. are you now using it for work?).

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Yes. We need to know a driver’s complete claims history.

If you don’t keep your claims information up to date, this could result in your policy being cancelled, or your cover being void when you need it.

New Car Replacement is included as standard on our Plus cover level.

We'll look to replace your car with a new one if it's involved in a claim and written off, as long as the car is less than a year old and you or your partner are the first and only registered keeper. The replacement vehicle will be of the same or similar specification. You'll find all the details in your Document of Insurance in your online account. 

New Car Replacement is not provided on Essentials cover level. 

Motor legal expenses (MLE) gives you up to £100,000 towards legal expenses if you need to pursue another party for any uninsured losses. This includes things like loss of earnings or personal injury claims which are a direct result of an accident that wasn't your fault.

MLE cover is included on Plus Car Insurance policies, and can be added to Essentials policies as an optional extra. If you would like to add this cover to your Essentials policy, please log in to your online account to make the changes.

Why add MLE?

• You’ll keep 100% of your personal injury claim compensation (without MLE, a solicitor may take their fee from the amount you receive).
• You’ll be able to recover any lost earnings if you're unable to work due to the accident.
• You’ll have free access to a 24/7 legal advice helpline for any private legal matter.

It’s important to remember you won't be covered for claims that don’t have a reasonable (more than 51%) chance of success.

Protected No Claim Discount (PNCD) is an optional extra you can add to your car insurance policy. 

It means that any No Claim Discount (NCD) you've built up is protected - no matter how many claims you make.

To qualify for this optional extra, you need to have earned four or more years NCD. If you wish to add protected NCD cover to an existing policy, you can do this in your online account but you cannot add it if you've had a claim that would impact your NCD.

Your premium may still be affected if you make a claim.

This includes trips like the school run, popping to the shops, and driving to social events.

If you commute to work you’ll need to add Social, Domestic and Pleasure + Commuting, and if you drive to multiple places of work you’ll need to add business use to your car insurance policy.

If you have a serious injury when you're travelling in your car, or getting in or out of it, personal accident cover is there to protect you.

Our Plus cover level includes £10,000 personal accident cover.

Essentials includes £1,000 personal accident cover.

This covers you, your partner or a named driver on the policy if the injury results in:

• death
• permanent loss of any limb above the wrist or ankle
• permanent and total loss of use of any limb above the wrist or ankle
• permanent and total loss of hearing in one or both ears
• permanent and total loss of sight in one or both eyes
• permanent total disablement, resulting in an inability to do any sort of work for the remainder of their life. 

We'll pay the injured person or their legal representative. Please see our car insurance document of insurance to find out more about what you can and can't claim for on personal accident cover.

You’ll find your certificate of motor insurance in your online account. Once you’ve logged in, select ‘Documents’ and you’ll see it in your Welcome Pack.

If you SORN your vehicle, you have a few options:

1. Cancel the policy. This will incur a £40 cancellation fee.
2. Keep the policy, you'll be covered for accidental damage, fire or theft, while it's kept off road, but you won't be insured to drive the car.
3. Get a new policy elsewhere specifically to cover your car for damage or theft while it's off the road. Please bear in mind this will incur a £40 cancellation fee.

If you've declared your car as being off road / SORN, you can't drive it until the vehicle is re-taxed and declared as being back on the road.

If your licence is revoked, you'll need to log into your account and edit your details or call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001. 

You'll no longer be able to drive the insured car. 

You'll also need to be removed from the policy, or if you're the policyholder, the policy will need to be cancelled. 

If your licence has expired and you're insured with us, you're still covered but you'll need to visit gov.uk/view-driving-licence to renew your licence immediately.

If your policy has been cancelled, you'll need to log in to your account and set up a new policy with us or call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001. 

If your policy was cancelled due to any outstanding payments, any outstanding balances will need to be paid for before a new policy can be set up. 

Your account will already hold your details, so you won't need to enter all your information again to get your new quote.

Unfortunately, we're not able to insure you if you have a provisional licence.

Electric vehicle batteries, including batteries leased on a separate basis from the car, are covered under the terms of the policy for Accidental Damage, Fire or Theft.

Policyholders that have our Essentials cover level do not have cover for driving other cars.

Policyholders that have our Plus cover level may have third party only cover for driving other cars, subject to certain restrictions. We recommend checking your certificate of motor insurance in your account to confirm if you have this cover.

If applicable, this cover is for the policyholder only, not named drivers and is restricted to third party only cover in the UK, Isle of Man and the Channel Islands. The loss or damage to the vehicle you're driving isn't covered. Refer to your Document of Insurance for further information.

The registered keeper is the person legally responsible for the vehicle, meaning it’s up to them to make sure it's taxed, insured and has a valid MOT.

It’s a little different if you’re leasing the car, though, which is a bit like renting it long term. The lease company is usually the registered keeper, so they would keep it taxed and MOT’d but the responsibility for insurance would still normally fall to you (the lease holder).

The legal owner is the person or company who paid for the vehicle or took out the finance. As the legal owner of a car, you’ll hold the proof of ownership and its DVLA logbook. For cars on a lease, the lease company is typically the legal owner.

No, you don’t have to be the car’s registered keeper to be the main driver on your car insurance.

The main driver is the person who uses the car most often and it’s important your policy accurately reflect this.

Falsely naming a more experienced driver as the main driver on your insurance to get a lower premium is called fronting, which is a type of insurance fraud. In other words, it’s illegal and could invalidate your insurance leaving you to foot the bill in the event of a claim.

The consequences of fronting don’t end there, though. You could also be taken to court, charged, and end up with a criminal record.

When you set up a policy with us, you’ll have selected either Plus which is our highest comprehensive cover, or Essentials, which covers the basics.

If you have our Plus cover, you won’t be able to change your cover level to Essentials until your renewal.

If you have Essentials cover, you can switch to Plus at renewal or within the policy year when making a change to your policy.

It’s always worth  comparing the different cover levels we offer, to make sure you’re choosing the right policy for you.

When renewing, you should always check your level of cover still meets your needs.  We’ll send you an email 30 days before your renewal date, at which point, you can review your renewal cover details and price in your online account.

It’s always worth comparing the different cover levels we offer, to make sure you’re choosing the right cover for you.

We do not currently offer the ability to add breakdown cover to your car insurance policy.

No, breakdown cover is not included on your policy and this cannot be added.

You can pay for your car insurance in monthly instalments by setting up a Direct Debit. It’s not complicated and we’ll explain how to do it when you purchase or renew your policy.

Yes, it’s easy to change the bank details or card you use to make your payments. You can do this yourself online in your Škoda Car Insurance account.

To update your credit/debit card, or the bank details you use to pay for your monthly Direct Debits, just follow the steps below:

1. Log in to your  account
2. Select payment
3. Select Direct Debit details for monthly Direct Debit
4. Select card details for card payments
5. Enter the new details and confirm your changes.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

You can change your Direct Debit payment date yourself in your online account.

To update your Direct Debit payment date, just follow these steps:

1. Log in to your account
2. Select payment
3. Select change day
4. Select the new payment date in the payment day section

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Once you’ve selected your new monthly payment day, it will take effect from the 2nd or 3rd instalment in your payment plan. You’ll be able to see your updated plan in the payment section of your account.

Yes, you can pay off your remaining policy premium yourself online in your account.

To pay off your remaining premium, just follow the steps below:

1. Log in to your account
2. Select payment
3. Scroll down to your account balance
4. Click the button that says pay off my balance

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

You can see your payment history in your online  account, just follow these steps:

1. Log in to your account
2. Select payment
3. Scroll down to your payment history

If your payment fails due to lack of funds, we’ll let you know and try to take payment again six days later. If we’re still unable to collect it, we’ll contact you to let you know how to pay for the missed payment.

If you cancel your policy and you have an upcoming payment that’s already been requested, we’ll process your refund 7-10 working days after this payment’s been collected to make sure we return the full amount owed.

If you cancel your policy before your next payment has been requested, we won’t collect future payments and we’ll refund any money owed 7-10 working days after your cancellation date.

No, named drivers can't build up their own no claim discount (NCD). You can only earn NCD if you're the policyholder.

No, you can't transfer NCD over to another person.

No, we don't accept company car NCD.

We're unable to honour any no claim discount (NCD) from other countries. With Škoda Car Insurance, your NCD must:

• Be issued by a previous UK insurer.
• Be less than 24 months old.
• Be in the name of the policyholder.
• Be written in English.
• Not currently be in use on any other policy.

No, you can't transfer NCD over to your partner or spouse. It can only be accepted where the policyholder has earned the NCD themselves.

If your Škoda Car Insurance policy has been active for over 60 days before you cancel, details of your NCD will be provided in your cancellation email or your renewal pack. These details include the vehicle attached to the discount, the number of years NCD, if it was protected, and the end date or cancellation date of the policy.

You can protect your NCD on your car insurance policy once you have earned four years' NCD driving a privately-owned vehicle in the UK. You can earn this NCD with any insurer.

No, windscreen claims don't affect your No Claim Discount. 

If you get a chip in your windscreen and it needs to be repaired, you'll have to pay an excess, but you won't lose any of your NCD. You can find your windscreen excess in your policy documents in your account. 

Just so you know, your premium can still be affected.

With our Plus policy, our vandalism promise is included as standard. This means your no claim discount (NCD) won't be affected if you're a victim of vandalism. You'll still need to pay your excess.

Our Essentials cover level does not include the vandalism promise, so if you make a claim you'll need to pay your excess and your NCD may be affected.

You'll find proof of your No Claim Discount in your renewal pack, which you’ll be able to view and download in your online account 30 days before your renewal date.

If you cancel mid-term, your proof of NCD will be shared with you on your cancellation document.

Your proof of NCD contains the following information:

• the vehicle attached to the discount
• the number of years
• whether or not the NCD was protected
• the policy end/cancellation date.

We can normally use central databases to check your NCD ourselves, but we sometimes need to ask for proof of your NCD.

It depends what you're claiming for on your car insurance and if you've opted for protected NCD.

Protecting your NCD means you keep your discount even if you’ve made claims. But it’s worth remembering that any claim (fault or non-fault) can still see your premium increase at renewal.

If you don’t have protected NCD, your discount will be reduced following a claim (see our ‘step back’ rules in your car insurance policy document).

There are some cases where a claim won't affect your NCD. For example, if you're involved in an accident that wasn't your fault and we're able to recover the cost from the at fault insurer.

Similarly, if you get a chip in your windscreen and it needs to be repaired or replaced, you'll have to pay an excess - but you won't lose your NCD.

Log in to your Škoda Car Insurance account and confirm that you wish to renew your policy. You'll be able to see if your policy is set to automatically renew – you'll also be able to opt in or out.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

You'll receive an email 30 days prior to your renewal date, at which point, you can view your renewal price in your online account.

At this stage you'll also be able to make any changes and check that all your details are up to date and correct for the next year.

When it comes to pricing, our experts analyse a number of factors; from changes in your personal circumstances, to industry or legislation changes.

We always put our best price forward and are unable to reduce a renewal quote or offer any price matching services.

Yes, you’ll be able to protect your NCD after building it up four years.

Simply log in to your account, select ‘Your renewal, make changes’ and continue from there.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.

Your documents should be available on your renewal day once your payment has been taken.

To view them, log in to your Škoda Car Insurance account and click the documents icon. This will bring up your policy documents and document of insurance, which you can also download as a PDF.

We always give you the best price we can offer at the first time of asking. This keeps things simple. We can’t reduce anyone’s quote and we don’t offer price matching services, so there’s no back-and-forth negotiating prices.

When renewing, we recommend checking your cover levels are still fit for your needs to help you manage the price. You can do this online in your account.

If you wish to cancel your renewal please log in and select ‘account details’ to make sure the policy is not set to automatically renew.

You can make changes online when you log in to your  account.

If you want your changes to take effect from the renewal date, select the 'renewal, make changes' tile and make your changes there. Just remember to save any changes made.

If you want your changes to take effect before you renew, contact the previous insurer using contact details on your policy documents.

You can also call us on 0330 678 6328. Lines open: Mon - Fri 8am - 8pm, Sat and Bank Hol - 9am - 5pm. Calls may be recorded. For Text Phone, first dial 18001.