Car insurance

Your details

Please answer everything accurately, then click Get quote now.

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Car details

(if known)

Car registration

What if I don’t know the car’s number plate?

We can give you an approximate quote now, but you’ll need to confirm the car registration before you buy. Simply click ‘I don’t know the car registration’ to find your car.

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What if I don't know when the car was bought?

If you don't know exactly, please estimate the nearest month.

What if the car hasn't been bought yet?

Please click the box to tell us the car to be insured hasn't been purchased.

£

How accurate do I need to be?

Please give us your best estimate of what you think the car is worth based on the car's age, mileage and condition.

Accurate market values can be available at parkers.co.uk.

If you want to change the car's estimated value when you're covered, you can update your information online or contact us to do it for you.

What's the difference?

Social, Domestic & Pleasure (SDP) covers all named drivers for everyday journeys, but does not insure commuting or any trips related to work or study.

Social, Domestic, Pleasure & Commuting (SDPC) covers all named drivers for everyday journeys, including to and from a single place of work or study (or any location part of the daily commute, such as a station).

Social & Business covers travel to more than one workplace and travel during the day for work, and well as SDPC travel. The policyholder can be covered for business use, and also their spouse or partner if they are a named driver. This does not cover deliveries or travel with paying passengers, and not all customers will be eligible to choose it.

What does 'Manufacturer's standard' mean?

This is the security fitted to the car when it was new. Nothing has been added, and everything fitted as standard is working.

What happens if I select security that doesn't work?

Theft or damage because of theft may not be covered if the security you select here is not operational.

Dashcam

What is a 'Dashcam'?

Car camera recorders, commonly known as 'Dashcams', record video of the road ahead on every car journey.

What are they for?

Dashcams are used to provide valuable evidence of what happened in an accident. In particular they can help prove when you weren't at fault.

Do I need to send you videos?

Only in the event of an accident. If you tell us your car has a dashcam you must, where possible, send us video if we ask you to.

Select your make of 'Dashcam'?

Please select the make of dashcam you have fitted on your car, or if it doesn't appear, select 'other'.

Modifications

What is a modification?

A modification is any change to the manufacturer's original specification or features. That includes things like new stereos, body kits or spoilers, alloy wheels, new paintwork, and any performance enhancement.

Is a portable sat-nav a modification?

No. Things like temporary satellite navigation systems or portable entertainment systems (iPods for example) are not classed as modifications.

Modifications we accept:

  • Additional security (alarms, immobilisers, trackers)
  • Audio system less than £1,000 in value
  • Dashcam (car camera recorder)
  • Legally tinted windows  Advice on tinted windows
  • Manufacturer optional extras (including tinted glass) fitted by the manufacturer or approved dealer at the time of original purchase
  • Modifications solely due to a disability (for the policyholder or one of the drivers on the policy)
  • Professional conversion to LPG (Liquid Petroleum Gas)
  • Reversing/parking sensors
  • Roof racks, roof bars, bike racks, top boxes
  • Stainless steel exhaust
  • Tow bar
  • Alloy wheels less than £1,000 in value

More info on these modifications

Modifications we accept

What if some modifications to the car are in this list but other changes are not shown?

You need to answer Yes if the car has any modification which is not listed here.

What does this mean?

Any car which was made to be sold outside of the UK has been imported if it is now kept and registered in the UK.

How can I find this out?

The car's logbook (V5C) shows if a car has been imported. Find out more

What if the car's kept in different places?

Please select where it's mostly kept during the day for most days.

What if the car's parked in different places?

Please tell us where the car is kept overnight most of the time.

(Estimate to the nearest 1,000 miles)

Estimated mileage

How accurate do I need to be?

Because mileage affects your cover and price, it's best to be as accurate as possible. It's important you don't underestimate your mileage as it could mean your insurance isn't valid.

What if more than one person uses the car?

Please add the mileage for all drivers together – we need the combined total for everyone named on this car insurance policy.

Registered keeper

How can I find this out?

You can check the car's logbook (V5C registration certificate). It says who the registered keeper is.

What about cars which are leased?

Depending on the terms of the lease, the hire company may be the registered keeper. If the hire company has retained the V5C, you'll need to answer 'No'.

What if the car hasn't been bought yet?

Please answer based on who the registered keeper will be when the car insurance starts.

How can I find out who the registered keeper is?

You can check the car's logbook (V5C registration certificate).

What if I'm the registered keeper?

You must change your answer to Yes in the question above.

What do all the options mean?

You can look at our list of definitions for help.

Legal owner

What does this mean?

The legal owner is the person or company that bought and paid for the car. It's not always the same as the registered keeper.

What if the car is leased, or bought with a finance agreement?

If the car is leased, the hire company usually remains the legal owner. If a car is bought with a finance agreement, the finance provider often remains the legal owner until the car is paid for in full. Please check the terms and conditions of your contract.

What if the car hasn't been bought yet?

Please answer based on who the legal owner will be when the car insurance starts.

How can I find out who the legal owner is?

The legal owner is the person or company that bought and paid for the car. It's not always the same as the registered keeper.

What if I'm the legal owner?

You must change your answer to Yes in the question above.

What does 'Privately leased' mean?

'Privately leased' means the policyholder has a finance agreement with the car's legal owner (such as a garage or finance company).

What do all the options mean?

Please look at our list of definitions for help.

Personal details

What if the right title isn’t shown?

If a different title is normally used, please select the most appropriate answer from the options shown.

Can I use a nickname?

Please enter the first name as it appears on your driving licence.

What’s a surname?

It’s also known as the last name or family name. Please enter the surname as it appears on the driving licence.

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What if I provide the wrong date of birth?

Only our help team can change your date of birth when you’re insured with us, so please make sure you type in the correct details.

What does Civil Partnership mean?

It means you have a legal civil relationship with a partner as if you were married.

What does Common Law mean?

Common Law means you are permanently living with a partner but do not have a legally binding arrangement.

Does Widowed apply to both men and women?

Yes, a man can be described as Widowed.

Number of children

Do I include 16 year olds?

No, you should only include children who are 15 or younger.

Do I include my partner's children?

Please include any children of your own under 16 and any children under 16 living with you.

What if more than one category could be chosen?

Please select the one which applies for most of the time. For example a full time parent with a part time job would choose 'Currently not employed - House wife/husband'.

What's a part time job?

This is any work done on top of the main employment status. Some people, for example, have a second job or work part time while retired or at college.

What about people who have two part time jobs but no full time job?

The part time job which takes up most time should be selected for 'Occupation'. Please check that an appropriate 'Currently employed' option is chosen in 'Employment status' first.

What if I've already told you the part time job?

If you've already selected the part time job for 'Occupation', only answer 'Yes' now if there's a second job to add.

What do people who don't live in the UK all the time choose?

Drivers who live in the UK for less than 9 months in the year should choose 'Not resident in the UK'. All other drivers should tell us how many consecutive years they've lived in the UK up to now.

What about people who live in different places?

Please tell us the place where they live the most during the year.

What if I don't know my postcode?

The Royal Mail's postcode finder can help.

We need the correct postcode to give you a quote.

What if my home is mortgaged?

You can answer Yes to this question if you have a mortgage for this property.

What if my home is part owned?

You can answer Yes to this question if you share ownership of this property.

What if the car's kept in different places?

Please answer based on where it's kept on most nights.

What if the car's kept near this address but not at the actual address?

If it's within half a mile of the address you can answer Yes. If the car is normally kept more than half a mile away overnight, you'll need to answer No.

What does 'policy address' mean?

It's the address you've given us for your car insurance.

How can I find out the postcode?

The Royal Mail's postcode finder should be able to help.

What's my email address for?

We'll email your quote to you instantly. When you're insured with us we'll use your email as our first way of contacting you, plus you'll need it to view your documents securely online.

(optional)

Why do you need my mobile number now?

We may call to help you with your quote.

We'll need your preferred contact number when you're insured with us, but you can leave this blank if you don't have a mobile or prefer to not provide the number now.

Driver details

What if the car licence is restricted?

Choose the equivalent car licence type it would be if there were no restrictions.

What about motorcycle licences?

Motorcycle licences are classed as 'Other/None'.

What about international licences?

International driving licences are classed as 'Other/None'.

(optional)

Where can I find the driving licence number?

It's on the driving licence photocard (section 5) and the paper copy of the licence too.

Why do you need it?

It helps us prevent insurance fraud – to help save money for all our customers. By giving us the licence number you consent to us checking these details against the DVLA database.

Do I need to give you the whole number?

Only type in first 16 characters – if there are any numbers after the space, please don't enter them.

Is there an easy way of finding this out?

Yes. Check the back of your driving licence, or search 'driving licence' on gov.uk. Use the date your licence was issued to work out how long you've had it for.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

Why do you need to know the date?

We find out the date for drivers who have held their car licence for less than 3 full years.

Is there an easy way of finding this out?

Yes. The driving licence shows the date it is valid from.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

What does this mean?

An example would be an insurance provider stopping a policy before its renewal date. This could be for reasons like failing to pay or providing false information.

Is it only car insurance you need to know about?

No, you need to tell us if any type of insurance has been cancelled or declared void.

What if changing my car meant that car insurance could no longer be provided?

If changing the car was the only reason that cover could no longer be provided, that's not seen as having insurance cancelled or declared void.

What if insurance could no longer be provided because I moved house?

If moving home was the only reason that cover could no longer be provided, that's not seen as having insurance cancelled or declared void.

To benefit, your No Claims Discount (NCD) must:

  • Be in your name as the policyholder
  • Be earned in the UK on a UK or EU licence
  • Be less than 24 months old
  • Meet our full NCD criteria

Do I need to prove my No Claims Discount (NCD)?

Only if we ask you to. We’ll let you know how to send us proof of NCD if we need to see it.

How do I find out my No Claims Discount (NCD)?

Your most recent renewal schedule or renewal invitation should show your NCD. You can also ask your previous insurer to send you proof of NCD.

What do you mean by company car?

A company car is a car which is either owned or insured by a business and not an individual.

Your No Claims Discount saves money on your car insurance. By protecting it, you won’t lose any of the years you’ve built up even if you make one fault claim this year.

Please note that protecting your No Claims Discount doesn’t mean your car insurance price will stay the same next year.

Protected No Claims Discount

How much is No Claims Discount protection?

Prices vary, so we’ll work out yours on your quote. If you answer Yes now, we’ll include No Claims Discount protection for you. You can also add or remove this cover option on your quote, when we’ll show your price for it.

You must declare all accidents, claims or damage involving any motor vehicle, including:

  • Any claim, regardless of who was at fault
  • Any incidents which did not result in a claim
  • Windscreen claims

Claims and accidents

What if I don’t declare all accidents, claims or damage from the last three years?

This could mean the car insurance is invalid, and would not provide cover.

Claim / accident / damage 1

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 2

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 3

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 4

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 5

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

You must declare all driving offences from the last 5 years, including:

  • Motoring convictions
  • Driving licence endorsements
  • Fixed penalty notices
  • Any pending driving offences

Driving offences

Where can I find this out?

The paper part of the driving licence lists all convictions, endorsements and fixed penalty notices along with the conviction code.

What does 'pending' mean?

It means a driving offence which could result in a conviction, endorsement or fixed penalty notice has taken place but the punishment hasn't been decided yet.

Do I include parking tickets?

Only if they resulted in a conviction.

What if I don't declare all driving offences from the last 5 years?

This could mean the car insurance is invalid, and would not provide cover.

Driving offence 1

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How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 2

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How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 3

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How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 4

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How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Non-motoring criminal convictions

What's a non-motoring criminal conviction?

It's any criminal offence which a person has been found guilty of, which has not been recorded on a driving licence as a fixed penalty or endorsement. The person would now have a criminal record because of the conviction.

What about non-motoring convictions which are spent?

Convictions considered to be spent under the Rehabilitation of Offenders Act 1974 or Management of Offenders (Scotland) Act 2019 do not need to be disclosed. Find out more

What about driving-related convictions?

You don't need to declare those here. We'll ask you about all driving offences with a different question.

Total number of cars

What if this car is the only one I drive?

You still need to tell us the total number of cars there are at home.

What if I haven't bought the car yet?

Please include the car you want to insure in the total number of cars in your household.

Why do you need to know this?

We may be able to give you money off your car insurance if we already insure another car at your address.

What happens if I don't know who insures the other car?

You should only answer 'Yes' if you know for certain that another car at your address is insured by Swiftcover.

Enter the registration of a car already insured by Swiftcover at your address

MultiCar discount of 15% is available when insuring a car registered at the same address as a car already insured by Swiftcover. The discount doesn’t apply to optional extras. The discount may be withdrawn at any time. You will only be eligible for the discount as long as both policies are in force and both vehicles are registered at the same address.

What about drivers who fit in more than one category?

Choose the correct answer which appears highest in the list.

Paying for your insurance monthly costs more because of the cost of credit. This will be subject to status and affordability checks.

If you’d like to make just one payment, choose ‘single payment’. If you’d like to spread the cost of your policy over monthly instalments, choose ‘pay monthly’.

If you choose to pay monthly, your insurance will cost more overall as it includes the cost of credit.

What's the difference?

Third party fire & theft covers property damage or injury you cause to another person (the third party) as well as loss or damage by theft or fire to your own car.

Comprehensive includes all of the cover provided by a third party fire & theft policy plus covers accidental and malicious damage to your own car.

If you want your insurer to pay to repair or replace your car after an accident, you need to select Comprehensive cover.

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What is this?

This is the date on which your cover will start.

When will my cover start?

Your cover will start from one minute after midnight on the date that you enter. If you put today's date, cover will start immediately after payment.

How far in advance can I set this?

Your start date can be no more than 30 days from today.

Named drivers

How many drivers can I add?

We can insure 4 drivers in total on a policy, which means up to 3 could be added to the policyholder.

Whether we insure a certain driver depends on a combination of things - such as their age and car for example.

Additional driver 1

What if the right title isn’t shown?

If a different title is normally used, please select the most appropriate answer from the options shown.

Can I use a nickname?

Please enter the first name as it appears on your driving licence.

What’s a surname?

It’s also known as the last name or family name. Please enter the surname as it appears on the driving licence.

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What if I provide the wrong date of birth?

Only our help team can change your date of birth when you’re insured with us, so please make sure you type in the correct details.

What does Civil Partnership mean?

It means you have a legal civil relationship with a partner as if you were married.

What does Common Law mean?

Common Law means you are permanently living with a partner but do not have a legally binding arrangement.

Does Widowed apply to both men and women?

Yes, a man can be described as Widowed.

What if more than one category could be chosen?

Please select the one which applies for most of the time. For example a full time parent with a part time job would choose 'Currently not employed - House wife/husband'.

What if I can't find the right occupation?

Try different ways of describing the occupation or try searching for something similar.

What if I need to select more than one occupation?

Choose the one done for most of the time, and we'll ask you about a second job in a moment.

What about people who don't have an occupation?

Please check the answer to 'Employment status' above – there should be a more suitable option to choose.

Business type

What does this mean?

This should be the profession, industry, or area of work a person is employed in for most of their time. For example, a teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type – whether they're self employed or employed.

What's a part time job?

This is any work done on top of the main employment status. Some people, for example, have a second job or work part time while retired or at college.

What about people who have two part time jobs but no full time job?

The part time job which takes up most time should be selected for 'Occupation'. Please check that an appropriate 'Currently employed' option is chosen in 'Employment status' first.

What if I've already told you the part time job?

If you've already selected the part time job for 'Occupation', only answer 'Yes' now if there's a second job to add.

What if I can't find the part time job?

Try different ways of describing the part time job or try searching for something similar.

What about people who don't have part time jobs?

Please check the answer to 'Part time job' above – it should be 'No' for people who don't have part time jobs.

What does this mean?

This should be the profession, industry, or area of work a person has a part time job in. For example, a part time teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type for their part time job - whether they're self employed or employed.

What do people who don't live in the UK all the time choose?

Drivers who live in the UK for less than 9 months in the year should choose 'Not resident in the UK'. All other drivers should tell us how many consecutive years they've lived in the UK up to now.

What if the car licence is restricted?

Choose the equivalent car licence type it would be if there were no restrictions.

What about motorcycle licences?

Motorcycle licences are classed as 'Other/None'.

What about international licences?

International driving licences are classed as 'Other/None'.

(optional)

Where can I find the driving licence number?

It's on the driving licence photocard (section 5) and the paper copy of the licence too.

Why do you need it?

It helps us prevent insurance fraud – to help save money for all our customers. By giving us the licence number you consent to us checking these details against the DVLA database.

Do I need to give you the whole number?

Only type in first 16 characters – if there are any numbers after the space, please don't enter them.

Is there an easy way of finding this out?

Yes. Check the back of your driving licence, or search 'driving licence' on gov.uk. Use the date your licence was issued to work out how long you've had it for.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

Why do you need to know the date?

We find out the date for drivers who have held their car licence for less than 3 full years.

Is there an easy way of finding this out?

Yes. The driving licence shows the date it is valid from.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

What if this driver lives at more than one address?

Please answer based on the address where they live the most.

What is a "Partner"?

A Partner is someone who is permanently living with you (and has been for at least six months) as if you were married, but you do not have a legally binding arrangement.

What is a "Spouse"?

A spouse is someone you are legally married to.

What about drivers who fit in more than one category?

Choose the correct answer which appears highest in the list.

You must declare all accidents, claims or damage involving any motor vehicle, including:

  • Any claim, regardless of who was at fault
  • Any incidents which did not result in a claim
  • Windscreen claims

Claims and accidents

What if I don’t declare all accidents, claims or damage from the last three years?

This could mean the car insurance is invalid, and would not provide cover.

Claim / accident / damage 1

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 2

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 3

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 4

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What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 5

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

You must declare all driving offences from the last 5 years, including:

  • Motoring convictions
  • Driving licence endorsements
  • Fixed penalty notices
  • Any pending driving offences

Driving offences

Where can I find this out?

The paper part of the driving licence lists all convictions, endorsements and fixed penalty notices along with the conviction code.

What does 'pending' mean?

It means a driving offence which could result in a conviction, endorsement or fixed penalty notice has taken place but the punishment hasn't been decided yet.

Do I include parking tickets?

Only if they resulted in a conviction.

What if I don't declare all driving offences from the last 5 years?

This could mean the car insurance is invalid, and would not provide cover.

Driving offence 1

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 2

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 3

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 4

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Non-motoring criminal convictions

What's a non-motoring criminal conviction?

It's any criminal offence which a person has been found guilty of, which has not been recorded on a driving licence as a fixed penalty or endorsement. The person would now have a criminal record because of the conviction.

What about non-motoring convictions which are spent?

Convictions considered to be spent under the Rehabilitation of Offenders Act 1974 or Management of Offenders (Scotland) Act 2019 do not need to be disclosed. Find out more

What about driving-related convictions?

You don't need to declare those here. We'll ask you about all driving offences with a different question.

Additional driver 2

What if the right title isn’t shown?

If a different title is normally used, please select the most appropriate answer from the options shown.

Can I use a nickname?

Please enter the first name as it appears on your driving licence.

What’s a surname?

It’s also known as the last name or family name. Please enter the surname as it appears on the driving licence.

/ /

What if I provide the wrong date of birth?

Only our help team can change your date of birth when you’re insured with us, so please make sure you type in the correct details.

What does Civil Partnership mean?

It means you have a legal civil relationship with a partner as if you were married.

What does Common Law mean?

Common Law means you are permanently living with a partner but do not have a legally binding arrangement.

Does Widowed apply to both men and women?

Yes, a man can be described as Widowed.

What if more than one category could be chosen?

Please select the one which applies for most of the time. For example a full time parent with a part time job would choose 'Currently not employed - House wife/husband'.

What if I can't find the right occupation?

Try different ways of describing the occupation or try searching for something similar.

What if I need to select more than one occupation?

Choose the one done for most of the time, and we'll ask you about a second job in a moment.

What about people who don't have an occupation?

Please check the answer to 'Employment status' above – there should be a more suitable option to choose.

Business type

What does this mean?

This should be the profession, industry, or area of work a person is employed in for most of their time. For example, a teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type – whether they're self employed or employed.

What's a part time job?

This is any work done on top of the main employment status. Some people, for example, have a second job or work part time while retired or at college.

What about people who have two part time jobs but no full time job?

The part time job which takes up most time should be selected for 'Occupation'. Please check that an appropriate 'Currently employed' option is chosen in 'Employment status' first.

What if I've already told you the part time job?

If you've already selected the part time job for 'Occupation', only answer 'Yes' now if there's a second job to add.

What if I can't find the part time job?

Try different ways of describing the part time job or try searching for something similar.

What about people who don't have part time jobs?

Please check the answer to 'Part time job' above – it should be 'No' for people who don't have part time jobs.

What does this mean?

This should be the profession, industry, or area of work a person has a part time job in. For example, a part time teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type for their part time job - whether they're self employed or employed.

What do people who don't live in the UK all the time choose?

Drivers who live in the UK for less than 9 months in the year should choose 'Not resident in the UK'. All other drivers should tell us how many consecutive years they've lived in the UK up to now.

What if the car licence is restricted?

Choose the equivalent car licence type it would be if there were no restrictions.

What about motorcycle licences?

Motorcycle licences are classed as 'Other/None'.

What about international licences?

International driving licences are classed as 'Other/None'.

(optional)

Where can I find the driving licence number?

It's on the driving licence photocard (section 5) and the paper copy of the licence too.

Why do you need it?

It helps us prevent insurance fraud – to help save money for all our customers. By giving us the licence number you consent to us checking these details against the DVLA database.

Do I need to give you the whole number?

Only type in first 16 characters – if there are any numbers after the space, please don't enter them.

Is there an easy way of finding this out?

Yes. Check the back of your driving licence, or search 'driving licence' on gov.uk. Use the date your licence was issued to work out how long you've had it for.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

Why do you need to know the date?

We find out the date for drivers who have held their car licence for less than 3 full years.

Is there an easy way of finding this out?

Yes. The driving licence shows the date it is valid from.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

What if this driver lives at more than one address?

Please answer based on the address where they live the most.

What is a "Partner"?

A Partner is someone who is permanently living with you (and has been for at least six months) as if you were married, but you do not have a legally binding arrangement.

What is a "Spouse"?

A spouse is someone you are legally married to.

What about drivers who fit in more than one category?

Choose the correct answer which appears highest in the list.

You must declare all accidents, claims or damage involving any motor vehicle, including:

  • Any claim, regardless of who was at fault
  • Any incidents which did not result in a claim
  • Windscreen claims

Claims and accidents

What if I don’t declare all accidents, claims or damage from the last three years?

This could mean the car insurance is invalid, and would not provide cover.

Claim / accident / damage 1

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 2

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 3

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 4

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 5

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

You must declare all driving offences from the last 5 years, including:

  • Motoring convictions
  • Driving licence endorsements
  • Fixed penalty notices
  • Any pending driving offences

Driving offences

Where can I find this out?

The paper part of the driving licence lists all convictions, endorsements and fixed penalty notices along with the conviction code.

What does 'pending' mean?

It means a driving offence which could result in a conviction, endorsement or fixed penalty notice has taken place but the punishment hasn't been decided yet.

Do I include parking tickets?

Only if they resulted in a conviction.

What if I don't declare all driving offences from the last 5 years?

This could mean the car insurance is invalid, and would not provide cover.

Driving offence 1

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 2

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 3

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 4

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Non-motoring criminal convictions

What's a non-motoring criminal conviction?

It's any criminal offence which a person has been found guilty of, which has not been recorded on a driving licence as a fixed penalty or endorsement. The person would now have a criminal record because of the conviction.

What about non-motoring convictions which are spent?

Convictions considered to be spent under the Rehabilitation of Offenders Act 1974 or Management of Offenders (Scotland) Act 2019 do not need to be disclosed. Find out more

What about driving-related convictions?

You don't need to declare those here. We'll ask you about all driving offences with a different question.

Additional driver 3

What if the right title isn’t shown?

If a different title is normally used, please select the most appropriate answer from the options shown.

Can I use a nickname?

Please enter the first name as it appears on your driving licence.

What’s a surname?

It’s also known as the last name or family name. Please enter the surname as it appears on the driving licence.

/ /

What if I provide the wrong date of birth?

Only our help team can change your date of birth when you’re insured with us, so please make sure you type in the correct details.

What does Civil Partnership mean?

It means you have a legal civil relationship with a partner as if you were married.

What does Common Law mean?

Common Law means you are permanently living with a partner but do not have a legally binding arrangement.

Does Widowed apply to both men and women?

Yes, a man can be described as Widowed.

What if more than one category could be chosen?

Please select the one which applies for most of the time. For example a full time parent with a part time job would choose 'Currently not employed - House wife/husband'.

What if I can't find the right occupation?

Try different ways of describing the occupation or try searching for something similar.

What if I need to select more than one occupation?

Choose the one done for most of the time, and we'll ask you about a second job in a moment.

What about people who don't have an occupation?

Please check the answer to 'Employment status' above – there should be a more suitable option to choose.

Business type

What does this mean?

This should be the profession, industry, or area of work a person is employed in for most of their time. For example, a teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type – whether they're self employed or employed.

What's a part time job?

This is any work done on top of the main employment status. Some people, for example, have a second job or work part time while retired or at college.

What about people who have two part time jobs but no full time job?

The part time job which takes up most time should be selected for 'Occupation'. Please check that an appropriate 'Currently employed' option is chosen in 'Employment status' first.

What if I've already told you the part time job?

If you've already selected the part time job for 'Occupation', only answer 'Yes' now if there's a second job to add.

What if I can't find the part time job?

Try different ways of describing the part time job or try searching for something similar.

What about people who don't have part time jobs?

Please check the answer to 'Part time job' above – it should be 'No' for people who don't have part time jobs.

What does this mean?

This should be the profession, industry, or area of work a person has a part time job in. For example, a part time teacher is in 'Education'.

What if I can't find the right business type?

Try different ways of describing the business type or try searching for something similar.

What do self-employed people select?

All people should select the most appropriate business type for their part time job - whether they're self employed or employed.

What do people who don't live in the UK all the time choose?

Drivers who live in the UK for less than 9 months in the year should choose 'Not resident in the UK'. All other drivers should tell us how many consecutive years they've lived in the UK up to now.

What if the car licence is restricted?

Choose the equivalent car licence type it would be if there were no restrictions.

What about motorcycle licences?

Motorcycle licences are classed as 'Other/None'.

What about international licences?

International driving licences are classed as 'Other/None'.

(optional)

Where can I find the driving licence number?

It's on the driving licence photocard (section 5) and the paper copy of the licence too.

Why do you need it?

It helps us prevent insurance fraud – to help save money for all our customers. By giving us the licence number you consent to us checking these details against the DVLA database.

Do I need to give you the whole number?

Only type in first 16 characters – if there are any numbers after the space, please don't enter them.

Is there an easy way of finding this out?

Yes. Check the back of your driving licence, or search 'driving licence' on gov.uk. Use the date your licence was issued to work out how long you've had it for.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

Why do you need to know the date?

We find out the date for drivers who have held their car licence for less than 3 full years.

Is there an easy way of finding this out?

Yes. The driving licence shows the date it is valid from.

If a full licence is held now, do I need to tell you when a provisional licence was held?

No, you should only tell us when the full car licence was obtained after passing the driving test.

What if this driver lives at more than one address?

Please answer based on the address where they live the most.

What is a "Partner"?

A Partner is someone who is permanently living with you (and has been for at least six months) as if you were married, but you do not have a legally binding arrangement.

What is a "Spouse"?

A spouse is someone you are legally married to.

What about drivers who fit in more than one category?

Choose the correct answer which appears highest in the list.

You must declare all accidents, claims or damage involving any motor vehicle, including:

  • Any claim, regardless of who was at fault
  • Any incidents which did not result in a claim
  • Windscreen claims

Claims and accidents

What if I don’t declare all accidents, claims or damage from the last three years?

This could mean the car insurance is invalid, and would not provide cover.

Claim / accident / damage 1

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 2

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 3

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 4

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

Claim / accident / damage 5

/ /

What date do I need to tell you?

We need to know the date of the incident which led to the claim – not the date the claim was made.

What if I don’t know the exact date?

Please enter the nearest date now, and make sure you correct the date in future.

How could I find out the date?

You can contact the previous insurer who should have details of the claims.

What if the claim hasn't been settled yet?

Please choose 'Open or unresolved claim' from the list.

You must declare all driving offences from the last 5 years, including:

  • Motoring convictions
  • Driving licence endorsements
  • Fixed penalty notices
  • Any pending driving offences

Driving offences

Where can I find this out?

The paper part of the driving licence lists all convictions, endorsements and fixed penalty notices along with the conviction code.

What does 'pending' mean?

It means a driving offence which could result in a conviction, endorsement or fixed penalty notice has taken place but the punishment hasn't been decided yet.

Do I include parking tickets?

Only if they resulted in a conviction.

What if I don't declare all driving offences from the last 5 years?

This could mean the car insurance is invalid, and would not provide cover.

Driving offence 1

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 2

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 3

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Driving offence 4

/ /

How do I find this out?

This will be shown alongside the conviction in the endorsements section of the paper part of the driving licence.

Do you need the conviction date or the offence date?

If a conviction date is shown then use that date. If no conviction date is shown then use the offence date.

What if I don’t know the date?

Please enter the nearest date now, and make sure you correct the date in future.

How do I find this out?

You can check the offence code column in the 'Endorsements' section of the paper counterpart of the driving licence.

What if the offence is 'pending'?

If no offence code has been provided, select 'pending driving offence' from the list.

Driving offences

What if this hasn't been decided yet?

Please select 'pending driving offence'.

What if the offence resulted in both points and a ban?

You must select the length of ban for this offence.

Remove offence Add another offence

Non-motoring criminal convictions

What's a non-motoring criminal conviction?

It's any criminal offence which a person has been found guilty of, which has not been recorded on a driving licence as a fixed penalty or endorsement. The person would now have a criminal record because of the conviction.

What about non-motoring convictions which are spent?

Convictions considered to be spent under the Rehabilitation of Offenders Act 1974 or Management of Offenders (Scotland) Act 2019 do not need to be disclosed. Find out more

What about driving-related convictions?

You don't need to declare those here. We'll ask you about all driving offences with a different question.

Who do I select for main driver?

You must select the person who will be driving the car more than anybody else.

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