FREQUENTLY ASKED QUESTIONS

Car insurance is a legal requirement in the UK, and by law all cars must have at least third party cover at all times. Luckily, it’s easy to buy an affordable car insurance policy from Go Girl.

And at Go Girl, we don’t just offer you high quality car insurance at great value – we aim to help you find the car cover that’s the perfect fit for you. The insurance we provide is straightforward and simple to understand; meaning that you can make decisions about your policy quickly and easily. And to help you further, we’ve put together a list of our most frequently asked questions.

WHAT IS VOLUNTARY POLICY EXCESS?

The voluntary excess is chosen by you and is the amount that you must pay, in addition to any compulsory excess, towards a claim where you are deemed to be at fault. Choosing a higher voluntary excess may reduce the premium you pay. With the car insurance quote you get from us online, you can choose to increase your excess and pay a lower premium if you so wish. You should bear in mind though that opting to pay a higher excess only makes sense if it does not exceed the value of your car, and you can easily afford to pay that excess in the event of making a claim.

Details of your excesses will be shown on the premium page when you have completed your quote, and on your Policy Schedule and Policy Wording.

WHAT IS A YOUNG DRIVER EXCESS?

Young drivers excesses apply to any driver on a policy aged between 17-24. These excesses are due in addition to those shown in your Policy Schedule and Policy Wording. Read our policy wording to view our Young Drivers Excess table.

HOW DOES A NO CLAIMS DISCOUNT WORK?

Insurance companies reward careful drivers with No Claims Discounts (NCD). Each year that you avoid having to make a claim, we’ll increase the discount that you receive.

CAN I USE AN EXISTING NO CLAIMS DISCOUNT?

Yes, if you already have a No Claims Discount (NCD), please send us a copy of proof from your previous insurer, before your new Go Girl policy has been active for 14 days. Your NCD must have been earned on a private car or commercial vehicle policy in an EU country within the last two years and can not be in use on another policy. We can’t accept an NCD that was earned on a company car or fleet policy or as a named driver on somebody else’s policy.

WHAT ARE THE BENEFITS OF PROTECTING MY NO CLAIMS DISCOUNT?

If you have no more than two claims in any five year period, you will not lose any of your No Claim Discount. Protection may be available if you have 1 or more years No Claims Discount.

DO I NEED TO SEND GO GIRL PROOF OF MY NO CLAIMS DISCOUNT?

Yes, as soon as you can and we must receive it within 14 days. This is essential to validate your car insurance.

The car insurance renewal notice received from your previous motor insurer during the last 24 months will show the number of years of No Claims Discount (NCD) you have earned. You must send this to us via email or post (contact details can be found here) within 14 days. This is essential to validate your car insurance.

Please be aware that we will not be able to return your proof of No Claims Discount, so please make sure you have made a copy for your own records before sending it through.

HOW DO I CANCEL MY POLICY?

Different cancellation terms apply depending on how long you have had your policy. Please refer to our terms and conditions or contact our Customer Service Team on 0330 024 4747 or email customer.services@gogirl.co.uk

WHAT PAYMENT OPTIONS ARE AVAILABLE?

You can pay for your car insurance in full by credit or debit card, or you can also choose to spread the cost if you prefer. Please find more details on our terms and conditions page.

CAN I DRIVE SOMEBODY ELSE’S CAR?

This will depend on a number of factors. If cover for driving other cars is provided, it will be confirmed on the Quote page. Details will also be shown on your Certificate of Insurance under the permitted driver section. Please note that where cover is provided for driving other cars, it is limited to Third Party Only.

HOW DO I ADD A DRIVER TO MY POLICY?

To add a driver to your policy please call our customer services department on 0330 024 4747. Adding a driver may impact your premium with the cost depending on the driver’s details. To save time make sure you get as much information as possible about the additional driver before you call. You will need the drivers name, date of birth, date they became resident in the UK. occupation, licence type and date obtained and details of any accidents/claims, convictions and medical conditions and what they will be using the vehicle for.  You can add up to four additional drivers to the policy in total.

WHY DO I NEED TO SEND YOU COPIES OF ALL DRIVERS’ LICENCES?

By reducing the risk of fraudulent activity it enables us to offer you the best value premium. Just one of the ways we do this is to ensure we always collect copies of drivers’ licences to ensure the information people have given us is correct.

HOW DO I ADD BUSINESS USE TO MY POLICY?

If you need business use on your policy please call our customer services department on 0330 024 4747. If the change is as result of you or an additional driver changing their occupation don’t forget to let us know so we can make sure you have the correct cover.

IS LEGAL COVER INCLUDED?

Yes, the premium we quote includes cover for Legal Expenses. See full Policy Features and Benefits for more information.

IS BREAKDOWN COVER INCLUDED?

No, breakdown cover isn’t included in the policy itself, but we’ve teamed up with the RAC so that you can purchase cover as an additional product if you require. To find out which level of cover is suitable for you, please visit our Policy Features and Benefits page.

CAN I DRIVE ABROAD?

You’ll be pleased to know that you are covered to travel abroad to the EU but please note that unless you’ve told us in advance of your travel plans, your cover provided will be restricted to the minimum required in the countries you’re visiting. However, please do get in touch to let us know your travel plans for the EU as we will provide full policy cover for up to 13 weeks free of charge.

If you are travelling outside the EU please drop us an email including the details of which countries you are visiting and your departure and return dates and we may be able to arrange suitable cover for you. See full Policy Policy Details for more information.

WHAT IF MY DETAILS OR CIRCUMSTANCES CHANGE?

You must let us know immediately of any changes to your circumstances as filled out in your policy details.

This includes, but is not limited to, accidents (whether you were at fault or not), thefts (of or from the vehicle), disqualifications, convictions (motoring and criminal), change of your address, health matters, make and model of your vehicle, occupation (full or part time), use of your vehicle, vehicle modifications (cosmetic or performance enhancing), drivers, annual mileage, type of driving licence, changes of licence e.g. when you pass your driving test and the date the driving test was passed.

Changes to your details may affect your premium. If you are unsure if you need to advise us of the change please contact us by email customer.services@gogirl.co.uk

WILL MY COVER BEGIN IMMEDIATELY?

If you have requested an immediate start date then yes, you’ll be pleased to know that your cover will start as soon as you have made a successful purchase. Alternatively, your cover will begin on the date you have selected. You will receive an email confirming your purchase and you will be able to view the start date and time of the policy in your policy documentation.  An email will be sent giving you access to your secure documents portal where you can view and download your policy documents.

IS MY PAYMENT SECURE?

To ensure the highest standard of online payment security, all transactions are supported by 3D Secure, which is designed to ensure enhanced security and strong authentication when you use your debit or credit card for online purchases. Depending on the type of card you are using it is called MasterCard SecureCode or Verified by Visa.

To learn more about Verified by Visa and MasterCard SecureCode, please visit the official Visa and

MasterCard websites via the links below:

> read more about Verified by Visa
> read more about MasterCard Securecode

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