First Direct Car Insurance: Everything You Need To Know

First Direct Car Insurance: Everything You Need to Know

If you’re looking for reliable and comprehensive car insurance, First Direct has got you covered. With their range of policies and excellent customer service, First Direct is a popular choice for many drivers in the UK. In this article, we’ll take a closer look at what First Direct car insurance has to offer, including their policies, benefits, and frequently asked questions.

First Direct Car Insurance Policies

First Direct offers a range of car insurance policies to suit different needs and budgets. Whether you’re looking for basic coverage or more comprehensive protection, First Direct has a policy that’s right for you. Here are some of the main types of car insurance policies offered by First Direct:

1. Third Party Only: This is the most basic type of car insurance and provides coverage for damage to other vehicles or property in an accident that you are responsible for.

2. Third Party, Fire and Theft: In addition to covering damage to other vehicles or property, this policy also provides protection in the event of fire or theft of your own vehicle.

3. Comprehensive: This is the most extensive type of car insurance offered by First Direct. It provides coverage for damage to both your own vehicle and other vehicles or property in an accident, as well as additional benefits such as windscreen cover and personal accident cover.

Benefits of First Direct Car Insurance

There are several benefits to choosing First Direct for your car insurance needs. Here are some of the main advantages of their policies:

1. Competitive premiums: First Direct offers competitive premiums on their car insurance policies, making it affordable for drivers of all ages and experience levels.

2. 24/7 claims helpline: In the event of an accident, First Direct customers can contact their claims helpline at any time of the day or night for assistance and support.

3. No claims discount: First Direct rewards safe drivers with a no claims discount, which can help to lower the cost of your car insurance premiums over time.

4. Optional extras: First Direct offers a range of optional extras that can be added to your policy, such as breakdown cover, legal expenses cover, and key cover.

5. Flexible payment options: First Direct allows customers to pay for their car insurance in monthly instalments, making it easier to manage your budget.

Frequently Asked Questions about First Direct Car Insurance

1. How do I get a quote for car insurance from First Direct?
You can get a quote for car insurance from First Direct by visiting their website or calling their customer service team. You will need to provide details about your driving history, the make and model of your vehicle, and the level of coverage you require.

2. Can I add additional drivers to my First Direct car insurance policy?
Yes, you can add additional drivers to your First Direct car insurance policy for an additional cost. It’s important to notify your insurer about all drivers who regularly use the vehicle to ensure that you are fully covered in the event of an accident.

3. What is the excess on a First Direct car insurance policy?
The excess is the amount that you will need to pay towards any claim you make on your car insurance policy. The excess amount can vary depending on the level of coverage you have chosen and the circumstances of the claim.

4. Can I cancel my First Direct car insurance policy?
Yes, you can cancel your First Direct car insurance policy at any time. However, you may be charged a cancellation fee, and you may not be entitled to a refund of your premiums if you cancel your policy mid-term.

5. Is breakdown cover included in First Direct car insurance policies?
Breakdown cover is not included as standard in First Direct car insurance policies, but it can be added as an optional extra for an additional cost. Breakdown cover provides assistance in the event that your vehicle breaks down on the road.

6. What should I do if I need to make a claim on my First Direct car insurance policy?
If you need to make a claim on your First Direct car insurance policy, you should contact their claims helpline as soon as possible. You will need to provide details about the incident, such as the date, time, and location of the accident, as well as any other relevant information.

7. Can I transfer my no claims discount to my First Direct car insurance policy?
If you have built up a no claims discount on a previous car insurance policy, you may be able to transfer it to your First Direct policy. You will need to provide proof of your no claims discount when applying for a quote.

8. Are there any discounts available on First Direct car insurance policies?
First Direct offers discounts for safe drivers, multi-car policies, and policyholders who have completed advanced driving courses. Be sure to ask about any available discounts when getting a quote for your car insurance.

9. What happens if my vehicle is stolen or written off?
If your vehicle is stolen or written off, First Direct will work with you to assess the damage and determine the appropriate course of action. Depending on the circumstances, you may be entitled to a replacement vehicle or a settlement payment.

10. How can I contact First Direct for more information about their car insurance policies?
You can contact First Direct by phone, email, or through their website to get more information about their car insurance policies. Their customer service team is available to assist you with any questions or concerns you may have.

In conclusion, First Direct car insurance offers a range of policies and benefits to suit the needs of all drivers. With competitive premiums, 24/7 claims support, and optional extras, First Direct is a popular choice for many UK drivers. If you’re in the market for car insurance, consider getting a quote from First Direct to see how they can meet your insurance needs.