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An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. It varies depending on the car that is covered, the age and experience of the drivers on your policy.
Yes, if you have Comprehensive cover you may get a discount on the premium if you agree to pay towards the cost of any claim for loss of or damage to your vehicle. This will apply in addition to any compulsory policy excesses.
Yes. Immediate cover is available both via the phone and the internet.
You must advise us of any motoring or non-motoring convictions including pending convictions, when taking out a policy with Octagon. You must also advise us immediately of any new convictions once you have taken the policy out with Octagon.
Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
If your vehicle is covered by us, there is no cover for loss of or damage to any trailer, caravan or vehicle you may tow. If you require cover for the caravan itself, we would suggest you contact a caravan club who will be able to provide comprehensive cover.
Apart from any form of performance enhancements we will cover your vehicle if you have any standard options, fitted by the manufacturer (or their approved garage) at the time of first purchase.
Examples of modifications that we will also cover are:
• Air Conditioning
• Alloy wheels
• Satellite Navigation (permanently fitted)
• Tow Bars
• Roof Racks
• Professionally fitted conversions to LPG (Liquid Petroleum Gas)
• Internal racking
Examples of modifications that we will not cover are:
• Bodywork changes (Air dams, side skirts/sills)
• Darkened windscreens or driver & passenger windows
• Exhaust system changes
• Engine alterations
• Performance Enhancement of any kind (e.g. chipped engine)
We are unable to offer cover for any van imported to the UK by someone other than the original manufacturer or its approved dealership network. We only offer cover for vans built to UK specifications and manufactured specifically for use in the UK. We are therefore unable to offer cover for vehicles commonly referred to as Grey Imports, which are typically imported from Japan or America as used vehicles.
You can pay for your insurance in full via a debit or credit card. Should you pay by credit card, there will be a small non-refundable charge of 2%.
By Direct Debit:
You can choose to pay monthly by Direct Debit credit agreement through our third party premium finance provider, Premium Credit Limited (PCL).
Yes, you can use someone else’s card to pay your premium, but you’ll need to get their permission first. If you’re speaking to Octagon Customer Services, we will need to gain permission from the cardholder before we can go ahead.
For every year of claim free driving, each policyholder will earn a discount towards the cost of their renewal (to a maximum of 9 years).
Yes, you need to send this to us within 14 days of taking out a policy in order to validate your commercial vehicle insurance.
The commercial vehicle insurance renewal notice received from your previous insurer during the last 12 months will show the number of years of No Claims Discount you have earned.
It’s important to note that any No Claims Discount you may have earned on a private car policy cannot be used on one of our commercial vehicle insurance policies. For more information about No Claims Discount click here.
Your insurer will be unable to authorise work on any vehicle insurance claim you may make until we receive No Claims Discount proof. We will cancel your van insurance policy if you do not provide proof of No Claims Discount.
Please be aware we check 100% of the No Claims Discount proof documents we receive. For the benefit of all customers, if a fake or falsified NCD is supplied to your insurer they may notify the Police and alert other insurers in order to assist with the prevention and detection of fraud.
In the event of a claim, if your insurer cannot recover their outlay from the person responsible, or you cannot recover your excess, your No Claims Discount is normally reduced at the next renewal.
Bonus protection allows up to two non recoverable claims in a three year period without reducing your No Claims Discount.
Please note that you will not accrue any further years NCD should you have a claim and you have protected NCD in place.
No. Your no claim discount (NCD) can be applied on one policy only.
Our underwriters will only accept UK discount earned on a commercial vehicle policy, and which is less than two years old.
You should tell us of any changes to your circumstances, otherwise your policy could be invalid. You need to inform your insurer via us of any changes that could impact on your insurance. For example, you should immediately inform us of a change of address or any convictions received (motoring or non-motoring related).
Please notify us in advance if you wish to change drivers on your policy. The policy wording gives more details of the changes that should be notified to us.
Just give us a call on 0344 561 4615 and we will advise you if the changes affect your insurance cover or payments. If you are unsure of the relevance of such changes, you must call us and ask.
There is no cover for driving another vehicle under the policy as there is no ‘driving another vehicle’ extension.
No. You should take all reasonable steps to ensure that your vehicle is locked and secure to prevent theft. Failure to do so could invalidate any claim you have.
For full details about how you may cancel your van insurance, please review your van policy documents.
You can view the policy documents applicable to your purchase on the Van Policy Documents page.
We’ll send you a reminder before your current policy expires. This will explain what you need to do to renew your vehicle insurance with Octagon for another year. If you have purchased your policy using our recommended payment plan provider, we’ll renew your cover automatically, unless you tell us not to.
If you don’t receive a reminder, or you need to change your policy before you renew it, call our renewals team on 0344 561 4605.
Mon -Thurs 9am – 7pm
Fri 9am – 6pm
Sat 9am – 4pm
If you are unfortunate enough to be involved in an accident or have your vehicle stolen, vandalised or damaged in any way, you can report a claim on 0344 815 4975. You will be provided with the support you need, details of the repairer nearest to you and all the steps involved.
If you wish to make a claim in respect of a damaged windscreen please call the Glass Helpline on 0800 011 3685.
Yes, if you have comprehensive cover.
How will the claim affect your No Claims Discount (NCD)?
– If the uninsured driver is identified at the scene or later traced your insurer will not reduce your NCD even though they are unable to recover their costs from the driver.
– If they cannot identify the uninsured driver then your NCD will be affected.
– If you have Third Party Fire or Theft cover, you are not insured for damage to your car (other than due to fire or theft). Your insurer will therefore not repair your car in this instance.
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Octagon Insurance Services and its insurer partners from time to time, may request additional documentation from customers. You do not need to supply original documents, photocopies are sufficient. Please note that you must provide recent documents that are dated within the last 3 months. Documents that are accepted are:
– Council Tax Bill/Statement
– Utility Bill
– Tenancy Agreement
– Pay slip (address included)
– Driving Licence – Paper Counterpart & Photocard for all drivers
– Vehicle Registration Document (V5)
– Copy of your passport plus one Utility Bill
If you cannot provide the above, please contact Customer Services who will be happy to assist you.
Customer Services 0344 561 4615
Customers with a policy that started on or before 31st December 2016 can continue to use this website as usual.
Customers with a policy that renewed on or after 1st January 2017 – the details on this website will not be relevant to your policy, please see your renewal pack for further information.