Can I get insured with a Brazilian (or other foreign) licence?
In most cases, yes — several insurers accept foreign licences, and we know exactly which ones. The price can vary depending on your licence type and time in the UK. Note: as a resident you can normally drive on a foreign licence for a limited period (generally 12 months from becoming resident) — after that you need to get a UK licence. Message us and we'll look at your case.
What is a no-claims bonus (NCB)?
It's a discount you build up for every year WITHOUT making a claim. The more claim-free years, the cheaper your insurance gets at renewal. If you have proof of NCB from another insurer, keep it — it can sometimes be transferred.
What is the V5C?
It's the logbook — the DVLA registration document showing the registered keeper of the vehicle. When you buy or sell a vehicle, the V5C must be transferred. We handle that transfer for you.
Do I need an MOT?
If your vehicle is over 3 years old, yes: the MOT is the mandatory annual roadworthiness test. Driving without a valid MOT can mean a fine and can complicate insurance claims. Tip: you can check any plate's MOT for free on the government website — we'll show you how.
Does social insurance cover delivery work?
NO — and this is the most dangerous mistake. Social (SD&P + commuting) cover is for personal use and commuting, NOT paid deliveries. To work in delivery (Uber Eats, Deliveroo etc.) you need Hire & Reward cover. If you deliver on social cover and something happens, it's as if you had no insurance at all.
How does road tax (VED) work?
Every vehicle used or parked on public roads must be taxed (Vehicle Excise Duty). You pay online, monthly or annually by direct debit. No tax = automatic fines (cameras detect it by the plate). We set the payment up correctly for you.
What happens if I drive without insurance?
It's a serious offence in the UK: a fine, 6–8 penalty points, your vehicle can be seized — and in an accident, all the costs are on you. For immigrants, a conviction can also weigh on future visa applications. Not worth the risk: quotes are quick and we'll help you get 100% legal.
How does the referral programme work?
You get a unique code. Share it with friends; when they close their policy with us using your code, it counts for you. For every 4 CLOSED policies of the SAME type (4 bikes, or 4 cars, or 4 vans), your next service fee is FREE. You track everything live on your personal page. Full details on the Referral page.
How much is the insurance itself? Why does the site only show the service fee?
Because the premium is unique to each person: it depends on your age, licence, vehicle, postcode and history. That amount is set by the insurer at quote time — and we hunt down the best one for you. What's fixed and transparent is our service fee, published right here on the site.
Information on this site is general guidance and may change. Every case is different — always confirm your situation on WhatsApp.