Just Kampers Insurance FAQs

Just Kampers Insurance offers a range of insurance products tailored to your needs. Our campervan insurance policies include coverage for self-build campers, DIY campervans, and van conversions. We also offer motorhome insurance, ensuring comprehensive protection for your home on wheels.

Just Kampers Insurance offers comprehensive coverage for your vehicle, whether you’re looking to insure a campervan or your daily driver.

We offer policies which include protection against accidental damage, theft, and vandalism.

Policies from Just Kampers Insurance also cover fire damage, windscreen repairs, and personal belongings within the campervan.

Additionally, we offer European coverage, breakdown assistance, and replacement of locks if your keys are lost or stolen.
You can get limited mileage discounts, modification cover, salvage retention, and more included as part of your policy, which can help you reduce the overall costs of your policy and keep you protected if the worst should happen.

For those who have made modifications or conversions, our insurance also covers self-build and DIY campervans. With Just Kampers Insurance, you can travel with peace of mind knowing that you have extensive protection tailored to your needs.

Visit www.justkampersinsurance.com to learn more and get a quote.

Yes, Just Kampers Insurance offers various discounts to help you save on your policy. We provide multi-vehicle discounts, which can save you up to 65% if you’re insuring multiple vehicles.

Additionally, you can benefit from lower premiums if your campervan has security features like alarms and immobilizers, or if you have a clean driving record.

If you don’t drive your vehicle as much as you’d like to, you may also be able to make great savings with a limited mileage discount. Here at Just Kampers Insurance, we aim to provide you with affordable and comprehensive coverage, without all the hassle.

For more information on available discounts and to get a personalized quote, visit www.justkampersinsurance.com.

Yes, Just Kampers Insurance offers various discounts to help you save on your policy. We provide multi-vehicle discounts, which can save you up to 65% if you’re insuring multiple vehicles.

Additionally, you can benefit from lower premiums if your campervan has security features like alarms and immobilizers, or if you have a clean driving record.

If you don’t drive your vehicle as much as you’d like to, you may also be able to make great savings with a limited mileage discount. Here at Just Kampers Insurance, we aim to provide you with affordable and comprehensive coverage, without all the hassle.

For more information on available discounts and to get a personalized quote, visit www.justkampersinsurance.com.

The cost of secure motorhome storage varies depending on factors like location, type of storage facility, and the level of security offered. On average, secure storage can range from £30 to £70 per month in the UK, though prices can be higher in areas with high demand or in facilities offering top-tier security features.

Several factors can influence the cost of your motorhome insurance premium. One of the main factors is the value, make, and model of your motorhome. Higher-value vehicles typically cost more to insure due to the increased cost of repairs or replacements. Usage patterns also matter; frequent use, long journeys, or using your motorhome for business purposes can raise premiums.

Your driving history and age are significant factors. Drivers with clean driving records and more experience usually benefit from lower premiums, while younger or inexperienced drivers may face higher costs. The location where your motorhome is stored also impacts premiums—secure storage options like garages or specialized facilities often lead to savings.

Additionally, security features, such as alarms, immobilizers, and tracking devices, can lower your premium by reducing the risk of theft. The type and level of coverage you select, including any optional extras like European travel cover, also influence your premium.

Finally, opting for a higher voluntary excess or building up a no-claims bonus over time can further reduce your costs.

For tailored advice and a competitive motorhome insurance quote, call Just Kampers Insurance or visit Just Kampers Motorhome & Campervan Insurance

To determine how much your campervan or motorhome’s contents are worth for your insurance policy, start by making an inventory of all items you keep in the campervan or motorhome. Include personal belongings, kitchenware, camping gear, electronics, furniture, and any other valuable items. List each item, noting its current value or replacement cost, which may differ from the purchase price if the item has depreciated over time.

Once you have a comprehensive list, calculate the total value of all items. It’s important to be thorough, as underestimating your contents’ value can leave you underinsured, while overestimating may increase your premium unnecessarily.

Ensure that your insurance policy covers high-value items separately if required, as some policies may have limits on single-item values. Optional coverage add-ons can extend protection for items that may not be included in standard contents insurance.

For personalised advice and help calculating the contents value for your campervan or motorhome insurance policy, contact Just Kampers Insurance. They can provide tailored coverage solutions to ensure your contents are adequately protected. Visit Just Kampers Motorhome & Campervan Insurance for more information.

A specialist like Just Kampers Insurance is able to tailor your insurance policy.

Unlike a car, it’s likely you have a lot of contents that need protecting in your camper. Whether it be your electronics, clothes, jewellery, appliances, or furniture, you’ll want to know that they’re protected against loss, fire, and theft. As a specialist insurer, we also offer contents cover to protect your belongings, as well as a multitude of other extras including breakdown cover across Europe and Agreed Value cover.

You can get tailored insurance policies for any vehicle from Just Kampers Insurance.

Despite the name, we don’t just cover campervans – we’re happy to provide vehicle insurance for daily drivers, motorhomes, kit cars, commercial vehicles, and anything else!

We got our name when our colleagues at Just Kampers set up an insurance service to help people with classic VW campervans and Beetles find affordable vehicle insurance policies back in 1998, but we’ll just as happily cover your daily driver.

Get an online quotation at Just Kampers Insurance today or call our specialist team on 01256 444546

The Tracker Nano device will be sent directly to you via Royal Mail’s tracked, 48-hour service. If you purchase your insurance policy before your cover begins, the device will be dispatched up to five days before the policy start date.

Once your device is delivered, please follow the instructions at this website: https://www.tracker.co.uk/nano-installation. Your broker reference is also called your customer reference and you can find it in your documents on the My Just Kampers Insurance portal at https://justkampers.myinsurancefile.co.uk/.

You’ll need to fit the Tracker Nano device to a flat, secure surface, away from radio or electrical equipment, using the velcro pad provided. Please ensure the location is not obvious or easily found, for example, in the glove compartment. The battery in your Tracker Nano device is guaranteed for two years. If you are still insured with us and using a Tracker endorsed policy after this two-year period, Tracker will send you a new device automatically.

During Tracker’s registration process, you will be asked to place the pin on the risk address of your vehicle, but currently, it doesn’t allow you to move the pin to the risk address location. To complete registration, please select your home address location instead. We are aware of your different risk address as per your most recent insurance Schedule.

Please make sure your risk address remains up to date with us throughout your policy.

Your Tracker Nano device sends its location to Tracker every 24 hours. If Tracker don’t receive its location, their technical support team will contact you to resolve any issues.

1. Call the police and report the theft
2. Police will give you a crime ref. number
3. Call Tracker 24HR Control Room on: 0800 911 900
4. Call us and notify us of the theft.

Please note that while the Tracker device can work outside the UK if it can pick up the necessary signal to emit its location, Tracker may not be able to liaise with the local police forces to facilitate the recovery of your car.

When you call us to change your vehicle, we’re often able to keep your current policy, and you’ll just need to move the device to the new vehicle. If your policy needs replacing instead, your Tracker Nano won’t work, and you would need to purchase a new Tracker Nano subscription and device for the replacement vehicle and policy.

The Tracker Nano device is linked to both your insurance policy reference and your Tracker subscription data, and requires both to be active to work. If your insurance policy is cancelled, your Tracker Nano will automatically be cancelled with no refund.

Yes, firstly you should contact the repairer in question and tell them of the problems you are experiencing; they should make arrangements for your vehicle to go back to them for the work to be rectified. If you are still not happy you can contact Sterling Claims on 0344 381 9350.

This depends on a number of factors. You must make a claim through your own policy and have comprehensive cover. You would then receive a courtesy car providing you use the approved repairer, subject to availability and only for the duration of the repairs. If your vehicle is written off, a courtesy car would not be provided.

Should you need to make a claim please contact our claims handling service operated by Sterling Claims on 0344 381 9350. The lines are open 24 hours a day, 7 days a week. Their specialist team will guide you through the claims process from start to finish.

Correspondence should be forwarded to Sterling Claims:

Auxillis Limited
Redmond House
Fern Court
Bracken Hill Business Park
Peterlee
County Durham,
SR8 2RR

Your Insurer will arrange payment directly with an approved repairer or garage of your own choice. Costs are agreed before work is authorised, and you would be expected to pay your policy excess directly to the garage once repairs are complete. If you are claiming using your legal cover you may be able to claim back your excess but should discuss this with your claims handler.

No, there are no costs at all as the Legal Expenses policy is free of charge. Please refer to your Legal Expenses policy wording for cover and exclusions.

Exchange full details with any other party involved ensuring you note their registration number and then contact our claims handling service operated by Sterling Claims on 0344 381 9350 They can be contacted 24 hours a day, 7 days a week.

If you have to make a claim from your policy then your excess is payable. You may be able to reclaim this, depending on the circumstances. Your claims handler will advise you how to proceed and whether you should be able to reclaim your excess.

Yes, however this is subject to you using your Insurance Company’s approved repairer and subject to availability for the duration of repairs only. In a non fault incident, you may wish to claim using your legal cover. You may then be able to use a hire car and claim back any costs for this from the third party’s insurer.

If you’re making a claim through your own insurance policy, keep in mind that your excess will apply as stated in your policy documents. But the good news is that if the accident wasn’t your fault and you have all the details of the responsible party, your legal cover can step in and help you recover that loss.

Just make sure you have evidence of the loss, like a receipt, so that it can be submitted as a claim.

Every insurer has its own rule when it comes to how many claims you can make before you lose that protected bonus benefit. Now, here’s something to keep in mind: having a ‘fault’ or ‘pending’ claim on your driving history could potentially lead to higher premiums in the future, as it signals a higher risk to the insurers.

This should be forwarded, unanswered, to us. Should we have any questions or requirements, we will contact you upon receipt.

Just Kampers Insurance Claims Department, Sterling House, Hallingbury Road, Bishop’s Stortford, Hertfordshire, CM23 5LY

Motor insurance policyholders who live in the UK, Northern Ireland, the Channel Islands, or the Isle of Man will have free legal cover included with their Just Kampers Insurance policy. The legal policy can only help with accidents involving your vehicle. They will help to reclaim any uninsured losses.

Please note if the incident appears to be non-fault and:

You need a replacement vehicle
You have suffered an injury
Your vehicle cannot be driven
You have incurred uninsured losses
You are seeking compensation for damage to your belongings
Your legal policy can help you.

Yes, it is always advisable to tell your insurer of any incident the insured vehicle is involved in, so that your file is always fully updated, even if no claim is to be made.

Motor insurance policyholders who live in the UK, Northern Ireland, the Channel Islands, or the Isle of Man will have free legal cover included with their Just Kampers Insurance policy. The legal policy can only help with accidents involving your vehicle. They will help to reclaim any uninsured losses.

Please note if the incident appears to be non-fault and:

You need a replacement vehicle
You have suffered an injury
Your vehicle cannot be driven
You have incurred uninsured losses
You are seeking compensation for damage to your belongings
Your legal policy can help you.

While an accident is pending, even if it appears not to be your fault, your Insurance Company will initially classify it as a ‘fault’ incident. This means that your no-claims bonus, and in turn your premium, may be affected.

A “fault” incident will, in the majority of cases, increase your premium even if your No Claims Bonus is unaffected. If the accident is settled in your favour and you are not at fault, your Insurer may still increase the premium.

Can I demand original equipment manufacturer (OEM) parts to repair my vehicle?

Exchange full details with any other party involved, ensuring you note their registration number, then contact us on 0344 381 4462.

Please refer to your Legal Expenses policy wording for cover and any limit which would apply.

When you or your vehicle has been involved in a road traffic accident that has been caused to a greater extent by the fault of another party than by yourself.

“Another party” is defined as:

The driver, owner or any other person responsible for a vehicle insured against third-party risks (other than the driver of your vehicle)

or

Any other parties so insured

The Motor Legal Expenses policy will cover you and any named driver to pursue uninsured losses arising from a non-fault accident, where there are reasonable prospects of success. Please refer to your Legal Expenses policy wording for any limits which may apply.

Would I be covered by Legal Expenses Cover if the driver at fault leaves the scene of the accident without swapping details?

Compensation for personal injury is not paid directly by your legal expenses policy, but they can appoint solicitors to represent you in claiming for any injuries and subsequent losses, for example, lost earnings, from the negligent party. Again, evidence of this would be required, but the legal cover can make the necessary arrangements to obtain this proof.

No, there are no costs at all as the Legal Expenses Policy is free of charge. Please refer to your Legal Expenses policy wording for cover and exclusions.

Legal Expenses cover is always a benefit, as although you may know a solicitor, they may not specialise in Uninsured Loss Recovery. Please refer to your Legal Expenses policy wording for cover and any limit which would apply. Using your own solicitor can incur costs which may not be able to be recovered.

Should you need to report a new claim, please contact our office on 0344 381 4462. The line is open 24/7, 365 days a year.

An excess is an amount payable by you in the event of a claim against your policy for your own damage/loss. Details of specific excesses relating to your policy can be found on your policy schedule.

This depends on a number of factors. You must make a claim through your own policy and have comprehensive cover. You would then receive a courtesy car providing you use the approved repairer, subject to availability and only for the duration of the repairs. If your vehicle were written off, a courtesy car would not be provided in the above circumstances.

If you have an accident that is not your fault, you could be provided with a hire car by your legal cover, irrespective of the cover on your policy.

Yes, firstly, you should contact the repairer in question and tell them of the problems you are experiencing; they should make arrangements for your vehicle to go back to them for the work to be rectified. If you are still not happy, you can contact our office, and we will request that your insurers review the matter further.

No, windscreen claims will not affect your no-claims bonus. However, not all policies cover you for windscreen repair. You can check if you are covered by referring to your policy booklet or schedule of insurance.

We are committed to providing a quality service and achieving the highest standards of conduct. One of the ways in which we can continue to improve our service is by listening to the views of our customers.

Email Us : 

[email protected]

Please visit our Terms of Business for how to make a complaint.

Just Kampers Insurance – Terms Of Business 

Our address is:

Just Kampers Insurance,
Sterling House,
Hallingbury Road,
Bishops Stortford,
Herts,
CM23 5LY

You can contact the Just Kampers Insurance team on 01256 44 45 46.

You can send us an email at [email protected], and we’ll get back to you as soon as possible

Contact Form:
You can submit a query to us using the web form on our Contact Us page any time of day, any day of the week, and we’ll get back to you as soon as we’re able to.

Web Chat:
The Just Kampers Insurance team are available to answer your questions via web chat whenever the webchat box or icon is shown at the bottom right of your screen.

Phone lines:
Our claims line is 0344 571 9280, and is available all the time.
You can also call us on 01256 44 45 46to speak to our customer service team or to get a quote
If you’ve broken down, you can call us on 0330 123 0759 or 0800 032 5516

Please call us first so that we can provide you with an estimated cancellation refund. Some policies do not allow any refund upon cancellation. Normally it is more cost-effective to keep your policy running. If you wish to cancel your policy, your Insurer will only cancel the policy from the date we receive your instructions.

When your policy is cancelled, we’ll take care of cancelling your direct debit for you. We’ll also make sure to calculate if you’ve underpaid or overpaid during the policy period.

If you decided to go with the installment plan, there’s a possibility that the charges from your insurer and us could end up being more than what you’ve paid up until now. Insurers sometimes charge on a short-period basis, meaning that the charge is not directly proportionate to the amount of time covered on the policy. If you’ve taken out a finance agreement with PCL to pay for your insurance, we’ll use any premium refund to pay any remaining balance first. You will then owe any remaining shortfall.

If you have a claim that’s either in progress or already settled against you during the current insurance period, the insurers won’t give you a refund. So, if you’re paying in instalments, you’ll need to keep making those payments until the premium is fully paid off.

This varies depending on the type of policy that you have, how much you have paid so far and whether you have had a claim.

You would not get a refund if you have either a no-refund policy, have a pending claim in this policy, have a fault claim on the policy, or have not paid enough so far to cover the charges for the policy.

If the policy does not allow a refund in any circumstance, this would be stated on the paperwork you received when you took the policy out and we would also have informed you over the phone.

If you are unsure of the status of a claim on your policy, please call our claims team on 0344 381 4462 (24 hours a day, all year round) and they can advise you.

If you are unsure if you have paid enough to cover the cost of your policy, please call our customer service team who can give you an indication of any charges or refunds that will apply if you cancel your policy.

If you have a policy that does allow a refund, your policy booklet will show the cancellation charges. Please be aware that it is not standard for an insurance company to charge on a pro-rata (proportionate) basis. This can mean that, if you are paying monthly, you may not have paid enough to cover the charge for the policy.

If a refund is due, it will be issued to the same method of payment that was used to pay for the policy initially.

Our customer service team are happy to help you with any queries regarding cancelling your policy.”

Over the course of a year, it’s quite common for things to change. You might find yourself needing to switch vehicles, add another driver, or even move to a new address. In most cases, we can simply update your existing policy to accommodate these changes.

However, there are instances where a change in your circumstances might make it impossible for your current insurer to continue providing coverage.

If that happens, we have a panel of other insurers, and we’ll do our best to find a suitable replacement policy for you.

With most insurance products, there are charges involved with cancellations.

The insurer may have a non-proportional cancellation refund scale. We also make deductions and charge an administration fee.

You should speak to the Just Kampers Insurance team on 01256 44 45 46 to discuss your options.”

Most of our motor insurance schemes allow some overseas travel, often with restrictions on the duration and/or number of trips within the period of cover. The details of the conditions relating to your oversea travel cover can be found in your policy booklet, your Certificate of Insurance and your policy Schedule.

When travelling abroad you should carry your driving licence, your Certificate of Motor Insurance for each vehicle, and a GB sticker on your vehicle. Some countries also require an international driving permit (IDP) – it’s important to check at https://www.gov.uk/driving-abroad/international-driving-permit before you travel.

If you’re travelling outside the EU/EEA, you may also need a Green Card (one per vehicle, including a separate one for a trailer or caravan) – check https://www.gov.uk/driving-abroad for details on the countries you’re visiting.

Yes, provided there is a UK handling agent for the third party’s insurer. If this is not the case your Legal Expenses cover won’t be able to assist you.

Yes, provided there is a UK handling agent for the third party’s insurer. If this is not the case your Legal Expenses cover won’t be able to assist you.

Contact us in good time before you intend to travel – preferably a few weeks before – with your dates of travel and a list of the countries you intend to drive in and through, and we will post you a Green Card for those dates and countries. There may be an administration fee for issuing a Green Card.

Yes, a Green Card is required to cover each vehicle insured under a policy, so you’ll need a Green Card for each individual vehicle included in a multi-vehicle policy that you intend to drive abroad.

Most Just Kampers Insurance policies allow some foreign travel, often with restrictions on the duration and/or number of trips within the period of cover.

The details of the conditions relating to your foreign travel cover can be found in your policy booklet, your Certificate of Insurance and your policy Schedule.

If you’re already insured with us, you can find these documents on the My Just Kampers Insurance portal at https://justkampers.myinsurancefile.co.uk/

If you’re not insured with us yet, then you can call our friendly team of experts on 01256 44 45 46 to get a quote and find out exactly how much overseas driving cover is included in your policy.”

As of August 2, 2021, the European Commission has confirmed that green cards are not required for UK-registered vehicles travelling within the EU, including the Republic of Ireland. In other countries, you may need a Green Card and additional insurance to show you’re covered.

When travelling abroad, you should carry your driving licence, your Certificate of Motor Insurance for your vehicle, and have a UK sticker clearly visible on your vehicle. Some countries also require an international driving permit (IDP) – it’s important to check at https://www.gov.uk/driving-abroad/international-driving-permit before you travel.

No, you don’t need a Green Card to travel between Northern Ireland and the Republic of Ireland. As of August 2, 2021, the European Commission has confirmed that green cards are not required for UK-registered vehicles travelling within the EU, including the Republic of Ireland.

It’s important to contact us in good time before you intend to travel – preferably a few weeks before – with your dates of travel and a list of the countries you intend to drive in and through, and we will post you a Green Card for those dates and countries.

There may be an administration fee for issuing a Green Card. You can contact us by phone on 01256 44 45 46 or send an email to [email protected]

Yes, a Green Card is required to cover each vehicle insured under a policy, so you’ll need a Green Card for each individual vehicle included in a multi-vehicle policy that you intend to drive abroad.

As a general rule, the type of No Claims Bonus that you use on a policy must be the same as the type of vehicle that you are insuring. So, motorcycle NCB would not be acceptable on a private car policy, or commercial NCB would not be acceptable for a motorcycle policy.

The underwriters like to ensure that you have experience on the type of vehicle that you are insuring.

If you only have a type of NCB that is different to the type of vehicle you want to insure, please discuss this with us when getting your quotation. We may be able to find a suitable policy for your needs and driving experience.

We need to know what country your NCB was earned in as it can affect your quotation. The majority of underwriters will accept NCB only from the United Kingdom. We do have some schemes where we can accept NCB from other selected countries, so it is important that we are informed of the origins of your NCB before you accept the quotation. We can then make sure you have the right policy for your driving experience.

If the NCB is not from the United Kingdom, but you have told us that it is, you would either have to pay an additional premium or your policy could be cancelled.

In the majority of cases, the NCB that you use to gain a discount on your policy with us must have been earned on a policy in your name. If the policy was in someone else’s name, but you were the named driver, you would not have earned your own NCB. You may qualify for an introductory discount instead, so please let us know if this is the case when you are getting your quotation.

Very occasionally NCB can be transferred to another person, however, you would need to discuss this with the quotations clerk who is dealing with your quotation prior to you accepting the policy. This is not common practice though and would only be available if the underwriters of the policy agree.

We advise discussing your NCB options in detail before accepting your quotation, so we can find the most appropriate policy for you depending on your driving experience.

If you have stated that you are using your No Claims Bonus then you will need to send us proof of this from your previous insurer immediately. The bonus proof needs to be in your own name, and then be either a renewal notice or NCB Certificate issued by your last insurer.

If you are unsure of how many years NCB you have, you need to speak to your most recent insurance company and ask for details. If you have more than one vehicle insured at a time, you can’t add the two lots of NCB together to make additional years – they remain as two separate lots of NCB.

Some insurers will take this into consideration and allow an enhanced introductory discount.

You may have had a company car for the last few years and this is your first policy ‘on your own’. If this is the case, your no claims bonus would have been earned on the company car. We can allow a discount on some of our policies for this, but would just need to see proof from your company. This generally is provided in the form of a letter from the Insurers of the vehicle, or a letter from your Company stating the dates that you had the vehicle from and to, and that you had no claims during that time period.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

This stands for “No Claims Bonus”. You earn a year’s NCB for every full year of a policy in which no fault claims are made either by you or a third party. Some policies, such as classic car policies, are not based on NCB and so at the end of such a policy you would not have gained any NCB. Only the main policyholder earns NCB. NCB is also sometimes referred to as NCD – No Claims Discount – but means the same thing.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

If your NCB expired over 2 years before the start date of your policy, you generally cannot use it. Please ensure that you discuss this with us when getting your quotation, as an additional premium would need to be paid if your NCB cannot be used if your quotation was based on it being in date.

There are some policies where NCB is not earned, but they will allow you to keep it up to date. If you are unsure about this, speak to the provider of the policy you had and ask. Of course, it is best to discuss your NCB options in detail before accepting your quotation, so we can find the most appropriate policy for you depending on your driving experience.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

You can contact your current insurer/broker or look for it in your renewal notice they may have sent you.

NCB can allow quite a large discount as it shows a good driving history. This must be proven to allow the discount. Unfortunately, insurance fraud is on the increase and we want to protect our clients from price rises caused by it by verifying documents such as NCB, driving licences and other important information.

No claims expire after 2 years normally, but some insurers can honour some that haven’t been used for longer

No, but we do offer to mirror your no claims bonus from a different vehicle to get you further discounts.

Agreed value forms are not essential to your policy. Without them, the policy will proceed on a ‘market value’ basis. Therefore it is beneficial for you to provide the forms, but the policy would not be cancelled if you do not send them.

If you have been asked for more than one of the following, we require both (or all) of the forms in order to proceed with the agreed value.

Photos – If we have asked for photos of the vehicle, they should be taken square on to the vehicle and make sure it is completely in shot. The Insurers need to be able to see the complete vehicle in order to agree the value you have requested. We also require shots of the engine bay and the interior. For some bigger vehicles, such as motorcaravans, it is better to take more than one picture of the interior. The photos also need to be of good quality with the vehicle clearly visible (for example, no disruption on the photo or no glare).

Agreed Value Form – This is to be completed by you, and needs to be fully completed in order for the Insurers to agree the value you have requested. In the top section, make sure that all of the sections are completed. If they are not relevant, please write ‘n/a’ in the space provided. In the middle section, you need to specify the condition of various parts of the vehicle, and also detail any modifications and restoration work that the vehicle has had.

Independent Valuation – This is to be provided by an independent source, such as an owners club. It should be on headed paper and state clearly who has provided the valuation and their qualifications. This valuation cannot be from a company that did work on your vehicle.

If you only have a type of NCB that is different to the type of vehicle you want to insure, please discuss this with us when getting your quotation. We may be able to find a suitable policy for your needs and driving experience.

We can send your documents via our online portal or via the post.

Unfortunately as the policyholder, the forms need to be signed by them as this is who the agreement with the Insurer and ourselves is being taken out by.

If the NCB is not from the United Kingdom, but you have told us that it is, you would either have to pay an additional premium or your policy could be cancelled.

Ensure that you read the agreement thoroughly. The balance of your agreement will be taken from the last card used on your policy should you default on your payments. When paying by direct debits, the policy will be automatically renewed next year, and we will tell you the payment amount at least 2 weeks prior to your renewal.

The modified vehicle report form will only need both the engine number and chassis number if there are engine modifications. If this is not the case then you can supply just either the engine number or the chassis.

Please send copies of all drivers’ photocard licences along with a driving licence check code.

The Driver and Vehicle Licensing Agency (DVLA) allows licence holders to share their driving records by generating a check code at www.gov.uk/view-driving-licence. Alternatively, you can call 0300 083 0013.

Please send copies of both sides of the photocards. If any have been misplaced, you can send screenshots of the webpage at www.gov.uk/view-driving-licence: your details, vehicles you can drive and penalties and disqualifications. If the driving licence was issued prior to the introduction of the photocard in 1998, and it is still valid, please send this.

If you are concerned that you will not be able to send us your licence information in the time limit that we have set, please call our customer service department.

If you do send us a licence with the incorrect address on, your premium could be increased and we may also ask for additional documentation to certify your address. Your driving licence must show your current address by law. The DVLA will also fine you up to £1,000 if you have the incorrect address on your licence. To apply to change your licence online, click here. If your licence shows the wrong address please apply to correct it immediately, then send us copies of the updated licence when you receive it from the DVLA. The DVLA estimate on their website that it will take up to three weeks to send you the new licence.

Please see the guide to obtaining your DVLA check code.

Correspondence should be forwarded to :

Sterling Insurance Motor Claims

Sterling Claims
Auxillis Limited
Redmond House
Fern Court
Bracken Hill Business Park
Peterlee
County Durham,
SR8 2RR

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

The mileage given has to be as accurate as possible so that we can keep a record of the mileage used within an insurance year. If you cannot provide an accurate reading for this then you may be asked to produce copies of your MOT certificates.

If we have sent you a mileage declaration, your policy has been arranged on a limited mileage basis. You need to provide the mileage of the vehicle from the beginning of the policy, and will be asked to provide the closing mileage when the policy renews. Should you change your vehicle during the policy, we would require the closing mileage on your original vehicle, and the starting mileage on the new vehicle. We would then calculate the mileage for both vehicles when the policy renews.

If your quote was based on you having no claims bonus on your first vehicle please either provide written proof from your Insurers, or complete the form (as above). It is less likely that we will be able to obtain the proof verbally though, as your other policy will still be running.

The modified vehicle report form should be completed with all modifications to your vehicle. Ensure that you do tell us ALL modifications, as any non-disclosures could mean that a claim does not get dealt with, or extra premium is added to your policy or only a proportion of claim made is paid. In extreme cases the Insurers could null and void your policy. Ensure that you complete the engine and chassis number, as your Insurers require these. Please also ensure that you sign and date the form on the second page.

If we have asked you for this, a discount would have been allowed on your policy because you are a member of an owners club. If you have a membership card, please provide a copy of this. If you don’t have a card, you can provide the name of the club, the membership number and the expiry date. If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name.

If your policy requires a certain level of security you would have been told this at the time of the quotation. A lot of vehicles have security fitted as standard; so if this is the case, tick the box on the form that states this. All you then need to do is sign and date the form.

 If your security is not standard to the vehicle, we would need you to complete the make and model of the security device. If you have a certificate of fitment, you could also send a copy of this in for our records.

 A Thatcham-approved device may be needed – if you are not sure if your device is, you can contact us and we will be able to tell you. A Thatcham Category 2 device is an immobilising system; a Thatcham Category 1 device is an immobilising system with a linked alarm.

Over the years, Just Kampers Insurance has insured thousands of vehicles for their owners. As a result of this, we have built long-standing relationships with several insurance companies.

When taking out a policy, you will often be asked to submit some or all of the following paperwork:

•  A copy of the driving licence for all drivers on the policy
• A form detailing all modifications
• Proof of your no-claims bonus
• Photographs
• A Security Declaration
• Written confirmation of expected mileage
• A Utility Bill
• Further documentation (occasionally requested to support the policy)
• Unfortunately, this additional paperwork does generate more work for you and us, but ultimately our customers benefit from our stringent quality control of new policies. This allows us to accurately underwrite the policy and provide correct cover and pricing, particularly should new information come to light of which we were unaware.

Over the years we have successfully negotiated large discounts for our customers and have only been able to do this because of the quality of the business we provide to our insurer partners. It is vital that we protect these discounts enabling us to continue offering our customers fantastic prices on great products. This is why we have to ask for copies of the various documents we have listed.

A few minutes of your time sending us the documents we have requested will therefore allow us to continue offering some of the most competitive rates found anywhere in the UK insurance market.

Yes – once you’ve logged in, select the policy you want to check and choose ‘Policy summary’ from the menu options. There will be a drop-down box called ‘Drivers’ which shows all the people named as drivers, as well as their individual details and vehicle use.

We always make sure that a person has looked at the changes you want to make, rather than just a computer. This helps us make sure you’re getting the cover you need at the best price. You can request changes on MyJustKampers – select the policy you want and choose the ‘Request a change’ menu option. A pop-up box will appear – you’ll need to read through the information and tick a box to confirm you’ve read and understood that any changes you request are only a request until you hear back from us with confirmation. After that, you can use the drop-down boxes to provide information about changes you’d like to request, including a change of address, changing driver/rider details, changing your vehicle or adding a new one.

Once you’ve submitted your request, it will be sent to us, where a member of staff will review it and contact you.”

When you take out your policy, you’ll be invited to sign up for a MyJustKampers account, where your policy documents will be available for download.

Choosing to keep your documents online is the quickest and most convenient option. It’s also more secure, less susceptible to loss, damage, or theft of your documents, and kinder to the environment.

If you require paper copies, we can also send these by post, and they’ll be released and sent on the day you take out your policy. You can also change your paperless preference in the Account page.
Please note that if paper copies are required, these can be provided, but will take longer to arrive than their digital alternatives. It’s important to consider that any delays associated with postal services are outside of our control.

The insurance company’s premium is all that is displayed on their documents, however when you take out or renew a policy with us, you will also pay our charge and possibly for optional extras you have taken out with us. If it’s still unclear, you can contact our friendly team of experts on 01256 44 45 46, and we’ll do our best to help

In some cases, not all the endorsements displayed on the schedule apply to your policy. Usually, at the top of this section, it will confirm which endorsements apply to you, however if you are still unsure, then please get in touch with our friendly team of experts on 01256 44 45 46.

“Commuting use is an extension of social, domestic and pleasure. Therefore, where your policy wording states commuting, you are covered for social, domestic, and pleasure use, too.

If your certificate states that you are covered for personal business use, you are also covered for social, domestic, and pleasure use, as well.”

As you will not be using your vehicle on the road, and third-party or liability cover is not included with your laid-up insurance policy, a policy certificate is not required. Instead, we issue confirmation of laid-up cover, for information purposes only. For full details of your insurance policy, please refer to the policy wording and schedule. Please note that laid-up policies also will not see the vehicle placed on the Motor Insurance Database.

No, the ability to drive other vehicles is not an automatic inclusion in comprehensive insurance policies. You can check your certificate of Insurance to see if you have this entitlement. If you are in doubt, we would advise that you contact our friendly team of experts on 01256 44 45 46

Most policyholders over the age of 25 are given this cover, but you’ll need to check before you drive a different vehicle. If this benefit is included in your insurance policy, you’ll be able to see it on your certificate of insurance.

This cover is Third Party Only, and is restricted to vehicles not owned and registered to you, and excludes vehicles which are owned by an immediate family member, or anyone living in your household.

If you need to increase the mileage limit on your policy, you can reach out to us in a few different ways — give us a call on 01256 44 45 46, send us an email at [email protected], fill out an online enquiry on MyJustKampers or use our web chat service.

Please note that in some cases the policy may have to be cancelled and a new policy taken out (charges will be incurred).

No, this benefit only applies to the policyholder, provided that this is stated on the insurance certificate.

This would depend on the level of breakdown cover purchased, but this is detailed within your policy booklet.

When you take out the breakdown cover, we send you a booklet confirming what you’re covered for. However, if you have not received this, then don’t hesitate to contact our customer service department, and we will be more than willing to get a duplicate sent.”

Most policies contain some Personal Protection as standard. Please see your policy booklet for terms and cover limits. We also provide an optional enhanced Personal Protection Cover, which includes:

• Extra personal accident cover for the policyholder and each of their passengers (in addition to any that may already be included by the insurer),
• Each occupant is covered for £10,000 for accidental death, or £20,000 for total disablement,
• The policy has a maximum total payable of £150,000,
• There is no refund in the event of cancellation after 14 days.

However, if you have not received or have mislaid this booklet, then don’t hesitate to contact our customer service department, and we will be more than willing to get a duplicate sent. You can contact us on 01256 44 45 46 or send us an email to [email protected]

It will state on your insurance certificate if you are covered for driving other cars third party, and it may also state this on your insurance schedule. If you are unsure, please contact our customer services department on 01256 44 45 46

Unfortunately, once your insurance policy is active, you won’t be able to add this benefit to your policy. However, if you’re interested in having it for the next renewal, we can explore the possibility of including it.

The mileage limit applies regardless of where you’ve driven your vehicle. If you’re approaching or about to exceed that limit, please get in touch with our customer service team on 01256 44 45 46, and they’ll be happy to reevaluate your policy and provide you with a new quote.

The mileage restriction is based on the vehicle itself, and not the specific drivers covered under the policy. So, if you’ve gone over your mileage limit or you’re getting close to it, please contact our customer service team, and they’ll be more than happy to help you out. They can re-quote your policy based on your updated mileage.

You can check your windscreen cover entitlement either by viewing the excesses in the Policy Summary page of your online account, by checking your policy Schedule, or in your policy booklet.

Although most comprehensive cover policies will have windscreen cover included, and many third-party, fire and theft policies exclude it, each policy has different rules. Please check your individual policy for details.

All of our motor insurance policies include cover for the many unsurfaced public roads and green lanes throughout the UK countryside, known on Ordnance Survey maps as Byways Open to All Traffic. Your local authority will be able to offer advice on current Byway rights. Be mindful that green lanes are often only passable in a 4×4.

Just like with any other part of the public highway, you should make sure that your insurance certificate includes Third Party cover.

Please follow the Green Lane Association Code of Conduct when you are green laning.

We can also cover some off-road use, defined as driving on private land or private property that has been specifically designed for off-roading. We cannot include cover for winch events, timed events or racing.”

We really don’t want to cancel your policy, but we have an obligation to do so if we don’t receive the required documents within the seven-day notice period. So it’s really important for you to make sure we receive your documents within that time frame to avoid cancellation.

If you’re having any trouble with the necessary documents, please contact us right away at 01256 44 45 46. Once we receive and process your documents, we’ll send you an acknowledgement.

In case your policy does get cancelled, here’s what you need to know:

If there have been any claims against your policy, you’ll need to pay the full premium. So if you’re paying through Direct Debit, the remaining balance of your finance agreement will become due immediately upon cancellation.

If you’re paying through Direct Debit, the instalments you’ve already paid will be deducted from the total cost of your policy. If there’s still a remaining balance, you’ll need to pay it immediately upon cancellation. However, if you’ve paid more than the cost of your coverage so far, we’ll arrange a refund once the policy is cancelled. Please note that some policies don’t allow refunds upon cancellation, so in those cases, the remaining balance of your finance agreement will be due immediately.

Please be aware that all cancellations are subject to an administration charge. Refunds will be processed after deducting any commission or brokerage fee, which could be up to 30% of the premium. If applicable, the refund will be issued to the same credit or debit card you used for making payments on the policy.

The Driver and Vehicle Licensing Agency (DVLA) now allows you to easily share your driving record. You can generate a check code by visiting www.gov.uk/view-driving-licence. If you prefer, you can also give them a call at 0300 083 0013.

Once you have the check code, please send it to us along with the last eight characters of your driving licence number as soon as possible. It’s important to note that check codes can only be used once and are valid for 21 days, so please don’t check that it’s working before sending it to us. Also, please make sure to send it promptly.

If your check code includes a mix of upper- and lower-case letters, please include them when texting us. If you’re worried about not being able to send us your license information within our set time limit, feel free to give us a call at 01256 44 45 46 for help.

You can only use your No Claims Bonus on one policy at a time. If you want to apply your no-claims discount to your new policy, your previous policy must either be cancelled or the No Claims Bonus removed.

Once you have either cancelled your policy or removed the No Claims Bonus, you should receive proof from your insurance provider. You can simply forward this to us, or complete the form that we send to you. We will then try to obtain evidence of your No Claims Bonus over the telephone from your insurance provider.

We offer some policies where a discount is given if your No Claims Bonus is still active on another policy. As evidence of this, we need a letter from your insurance provider stating your no-claims entitlement and that the policy is still active. If you do not have this, you can also complete the form that we send to you.

Classic car policies often attract a discount for claim-free driving instead of a No Claims Bonus. We can offer policies which recognise your claim-free driving on your classic car as No Claims Bonus—discuss this with us at quotation, and we can look for suitable policies for you. Once we have agreed to accept this, you can contact your previous insurer to request proof of your claim-free driving to forward to us, or complete the form we will send you to allow us to obtain evidence of your claim-free driving over the phone.

If you are confused about your No Claims Bonus, our Customer Service Team will be pleased to offer you advice. You can give us a call on 01256 44 45 46, and we’ll do our best to help.

If we’ve sent you a mileage declaration, it means your policy is set up with a limit on how much you can drive. So, we’ll need you to let us know the mileage of your vehicle from the start of the policy. When your policy is up for renewal or if it expires, we’ll also ask for the closing mileage.

The modified vehicle report form should be completed with all modifications to your vehicle. Ensure that you do tell us all modifications, as any non-disclosures could mean that a claim may be refused or policy invalidated, or an extra premium may be added to your policy. In extreme cases, the Insurers could nullify and void your policy.

Ensure that you complete the engine and chassis number, as your Insurers require these. Please also ensure that you sign and date the form on the second page.

If your policy requires a specific level of security, we would have informed you about it during the quotation process. Many vehicles come with standard security features, so if that’s the case for your vehicle, we won’t ask for anything from you.

However, if the security on your vehicle isn’t standard, we’ll need you to provide the make and model of the security device. If you have a certificate of fitment for the device, you can also send us a copy for our records.

In some cases, a Thatcham-approved device may be necessary. If you’re unsure whether your device is Thatcham-approved, feel free to reach out to us, and we can provide you with the information. A Thatcham Category 2 device refers to an immobilising system, while a Thatcham Category 1 device is an immobilising system with a linked alarm.

Remember, having the appropriate security measures in place can help protect your vehicle and potentially lower your insurance premium.

Agreed Value forms are not mandatory for your policy, but they can be beneficial. Without them, your policy will be based on the ‘market value’ of your vehicle. So, while it’s advantageous to provide the forms, not sending them won’t result in policy cancellation. However, if we’ve requested more than one form from the following options, we do need all of them to proceed with the Agreed Value application.

Photos: If we’ve asked for photos of your vehicle, please take them straight on, ensuring the entire vehicle is captured in the frame. The insurers need a clear view of the entire vehicle to determine the agreed value. We also require photos of the engine bay, odometer, and the interior. For larger vehicles like motor caravans, it’s better to provide multiple interior pictures. The photos should be of good quality, with the vehicle clearly visible (no disruptions or glare, for example). If we’ve requested a photo of your vehicle in the garage, make sure the registration and the building exterior are both visible.

Agreed Value Form: This form is to be completed by you and needs to be filled out entirely for the insurers to agree on the requested value. It is split into two sections – Vehicle Details and Vehicle Condition. Please ensure that all sections are completed. If any sections are not applicable, simply write “”””N/A”””” in the provided space. In the Vehicle Condition form, specify the condition of different parts of the vehicle and provide details about any modifications or restoration work that has been done.

Independent Valuation: Very rarely, we may ask for an independent valuation of your vehicle. If this is the case, the valuation should come from an independent and unbiased source who is a member of the Institute of Automotive Engineers and Assessors. Alternatively, you can provide a valuation from www.classic-car-valuations.com. The valuation should be on official letterhead and clearly state the source of the valuation and the qualifications of the valuer. Unfortunately, we are unable to accept valuations from owners’ clubs or garages that have worked on or originally sold the vehicle.

If you have any questions or need further clarification regarding these forms or valuations, feel free to reach out to our customer service team.

We require a letter from your employers so that we can confirm your employment status and occupation. The letter should be on official paper with contact details for your employer, so that we may contact them if we need to.

We may request this if there is a discrepancy in the occupation that you have provided on your new policy when compared to an occupation previously entered on an alternative quotation. We may also have found information during our checks which could indicate that your occupation is disclosed incorrectly.

How you use your vehicle has an effect on your insurance premium. Our Usage Declaration gives you examples of the types of use that are available on a motor insurance policy. You need to name the driver next to the type of use they require. If you are unsure, you can call us to discuss the use of the vehicle.

This is to make sure that the address you provided as your home address is accurate. We’ll only ask for confirmation if our checks give us a reason to doubt that you live at the address you stated. For example, if we notice that you’ve received quotes at multiple addresses or if there’s no credit history associated with the address you provided. If there’s a legitimate reason why your address might be different, just get in touch with our customer service department.

However, even if you provide a reasonable explanation, we might still need you to provide a recent utility bill. We accept a range of documents to confirm your address, for example:

Council Tax Bill (showing the client’s details)
Tenancy Agreement or Mortgage Statement
Utility Bill (Gas, Electric, Water, TV licence, etc)
A typed tenancy agreement, signed and dated
Any letter from the government (HMRC)
Any letter from the NHS
Your most recent pay slip

If we have asked you for this, a discount would have been allowed on your policy because you are a member of an owners’ club.

If you have a membership card, please provide a copy of this. If you don’t have a card, you can provide the name of the club, the membership number and the expiry date.

If you are a member of an online club, we would preferably need an email from the administrator of the club to confirm you are a member, which states your full name.

If you’ve been driving a company car and now you’re getting your own car insurance, we may actually be able to give you a discount based on the No Claims Bonus you earned with your company car.

All we need is some proof from your company to confirm it. This proof usually comes in the form of a letter from the Insurers of the vehicle or a letter from your Company stating the dates you had the car and that you didn’t make any claims during that time. Once we have that, we’ll be able to apply the discount to your policy.

We usually suggest you either contact the previous owner or dealer, as they may have fitted it, or take the car to a garage to see if they can find the make and model.

No, your insurance paperwork can only be signed by the policyholder.

To make sure we have an accurate record of the mileage you drive during the insurance year, it’s important to provide the most precise mileage information possible. This helps us keep track of your usage and ensure our records are up to date. We may be able to obtain this if the inception date matches the last MOT date, but usually, you have to provide this.

The modified vehicle report form will only need both the engine number and chassis number if there are engine modifications. If this is not the case, then you can supply just either the engine number or the chassis.

We can offer policies which recognise your claim-free driving as No Claims Bonus (NCB). Talk to us to discuss finding a policy which provides you with the same discount for your claim-free driving as you would get for No Claims Bonus. You will also continue to earn No Claims Bonus on your policy with us if you complete your policy term without a claim.

While the information provided may not be false, we may need further information to validate certain information in certain situations. For example, an address check could show a different address for you on the electoral roll. Of course, you may have just moved or failed to update your address, but we would need to check. We may also not be able to find your garage on a street-view website, but it could be that it is not easily visible.

Sometimes, people don’t realise they have to disclose an accident if there was no claim made; however, these can appear on the CUE database. Of course, we realise that some non-disclosures are not deliberate and do happen from time to time; however, we raise these queries in order to protect both our honest clients and our insurance companies, therefore hoping to keep insurance premiums as low as possible.

Applying a limited mileage restriction to a policy will often reduce your premium. As a result, we may query the mileage requested if it seems low – especially in comparison to the use required, the type of vehicle and the age or occupation of the policyholder.

For example, a policy with 1500 miles per annum and commuting to work use, where the policyholder only has one vehicle, would seem like an unusually low mileage compared with that of an average person. This could be correct, an error on your part or even a deliberate misrepresentation to achieve a lower quotation, but by raising this as a query, we can ensure that the mileage requested is accurate and sufficient for your needs.

We often check street-view websites to see if properties have garages or driveways – especially for those clients who live in large cities or flats.

Occasionally, we cannot see the parking arrangements as the policyholder has described, and if this could have an impact on the premium payable, we will query this to ensure that your premium and cover are correct. If your vehicle is garaged at a different postcode to your home address, it is important that you inform us of this scenario before you purchase a policy with us.

We request a photograph of the odometer to confirm the mileage of the vehicle at the beginning of the policy. This is normally due to the policy being on a low or restricted mileage basis.

Having a No Claims Bonus can significantly reduce the cost of a policy. We therefore need evidence of this from your most recent insurance company in order to allow this discount.

Proof of No Claims Bonus should show your name, address, the expiry date of the policy, the amount of No Claims Bonus earned (in years), any accidents or claims, the registration number, and the insurance company’s (not just the broker’s) details. If the No Claims Bonus is different to the information provided when applying for the quotation, your premium may be affected. Please note that the expiry date shown on your No Claims Bonus must not overlap with your new policy. This is because it cannot be used on two policies at once – even for a short period of time.

However, we may also request proof of any No Claims Bonus earned on your other vehicle – this will be to allow an introductory discount and does not mean that the No Claims Bonus must be removed from your other policy.

Classic car policies often attract a discount for claim-free driving instead of a No Claims Bonus. We can offer policies which recognise your claim-free driving on your classic car as No Claims Bonus and attract the same level of discount.

You can request evidence of your claim free driving from your most recent insurance company, which should include all the information listed above.

Please contact our customer service team on 01256 44 45 46 ASAP if you’re not aware of why your policy is being cancelled. It may be that the information that we have found during our searches is no longer acceptable to your insurers. We will be able to discuss this further and recommend that you get in touch as soon as possible.

Any letter requesting documents should state the amount of time that you have to return them to us. The easiest way to check is to log into your MyJustKampers account, where you can check what’s outstanding and how long you have. You should try to get them to us as soon as possible to avoid cancellation.

Do not send original documentation to us, as we cannot guarantee its return. Instead, send us copies, but please make sure that the copy is not obscured in any way and is readable in all parts.

If you can’t provide proof of your No Claims Bonus, you will need to pay the additional premium due, as your policy was quoted based on a discount for the number of years’ No Claims Bonus that you had.
Some policies will not accept a zero No Claims Bonus, so we may have to cancel your current policy and look for an alternative insurance company from our panel. As it depends on the type of policy you have, we would recommend you call us on 01256 44 45 46 to discuss your options.

If it is a requirement to have security fitted to your vehicle, you will need to prove this to your insurance company. We would advise that you firstly contact us on 01256 44 45 46 to see if you need security, or a specified level of security (like Thatcham Category 1 immobiliser) before going any further. If you do need to prove the security, you may need to get an expert to assess your vehicle and provide documentation to prove what is fitted and that it is working.

Most insurance policies need the vehicle to be owned and registered to the policyholder, and the vehicle registration documents will confirm this to us.

Also, by reviewing the registration document, we can confirm the ownership duration and make sure your policy reflects the correct information.

It’s all part of our commitment to providing you with accurate coverage and a fair premium.

There is a section on the form to tick to state that your immobiliser is fitted as standard. Our administration team will check the form to see if the immobiliser matches the policy requirements, and will contact you with any problems.

Different insurers have different rules or requirements regarding acceptable No Claims Bonus, so it’s best to check with us prior to taking out your policy if you’re unsure.

This stands for “No Claims Bonus”. You earn a year of NCB for every full year of a policy in which no claims are made either by you or a third party. Some policies, such as classic car policies, are not based on NCB, and so at the end of such a policy, you would not have gained any NCB. Only the main policyholder earns NCB. NCB is also sometimes referred to as NCD – No Claims Discount.

Some insurers will accept your No Claims Bonus (NCB) from another country. So, if you’ve earned your NCB in a different country, just make sure you let us know when you request a quote. It’s very important because we want to find you the perfect insurer who will honour your hard-earned NCB from abroad.

Insurance companies have their own terms regarding this. To check these details, refer to your policy booklet initially or contact our customer service department on 01256 44 45 46.

If your policy finishes or is cancelled before the 12 months are completely finished, unfortunately, you are not entitled to a year of No Claims Bonus.

In the majority of cases, the No Claims Bonus (NCB) that you use to gain a discount on your policy with us must have been earned on a policy in your name. If the policy was in someone else’s name, but you were the named driver, you would not have earned your own NCB.

You may qualify for an introductory discount instead, so please let us know if this is the case when you are getting your quotation. You can call our friendly team of experts on 01256 44 45 46.

Very occasionally, a No Claims Bonus can be transferred to another person. However, you would need to discuss this with the quotations clerk who is dealing with your quotation prior to you accepting the policy. This is not common practice, though and would only be available if the underwriters of the policy agree.

We advise discussing your No Claims Bonus options in detail before accepting your quotation, so we can find the most appropriate policy for you depending on your driving experience.

If your No Claims Bonus (NCB) expired more than 2 years before your policy’s start date, it’s generally not usable, but this varies from insurer to insurer. It’s important to talk to us about this when you’re getting a quote because we may be able to place you with an insurer who does accept NCB, which is older than 2 years.

There are some policies where NCB isn’t earned, but they allow you to keep it up to date. If you’re unsure about this, reach out to the provider of your previous policy and inquire about it.

If you’re not sure about the number of years of No Claims Bonus (NCB) you have, it’s best to reach out to your most recent insurance company and ask for the details.

Remember, if you have multiple vehicles insured simultaneously, you can’t combine the NCB from each vehicle to create additional years. The NCB for each vehicle remains separate and cannot be merged.

We accept all major credit /debit cards and cheques. We also offer premium finance via direct debit payments, subject to terms and conditions.

It may be possible, depending on the circumstances. Please contact us as soon as possible so that your policy does not get cancelled. You can call our friendly team of experts on 01256 44 45 46, and we’ll see what we can do to help

We accept all major credit /debit cards and cheques, and can also introduce you to a finance provider who can provide finance to cover the premium, which is payable monthly, subject to terms and conditions.

Cheques should be made payable to Just Kampers Insurance.

Premium Credit, or PCL, can finance your premium, and you pay them back monthly in smaller chunks than paying for your policy annually.

By registering with MyPremiumCredit online, you will be able to read, understand and agree to the terms as well as electronically sign your credit agreement. You will also be able to make changes to your bank details and view correspondence and payment details without the need to contact Premium Credit separately. Visit MyPremiumCredit.com to register.

Yes, we can sometimes change a payment date to something more suitable, but there are some restrictions. Please log in to MyJustKampers where you can make changes, or call us to discuss your options.

If your payment is rejected, Premium Credit will normally reapply between 6-8 working days later along with the default fee. If the second attempt is also rejected, you will need to contact Premium Credit to arrange a card payment for your missed payment. They will write to you to let you know when your payment is required to avoid cancellation of your credit agreement.

If Premium Credit cancels your credit agreement, this will result in the cancellation of your insurance policy. If your payment is rejected because of an issue with your Direct Debit mandate, Premium Credit may not reapply for payment. In this instance, they will write to you requesting that you contact them to make a payment.

You can register and log in to MyPremiumCredit where you will be able to view this information.

Comprehensive cover is the highest level of cover that you can get for your car and any damages and injuries arising from it. It usually gives you all risks protection, but comprehensive policies differ a lot from provider to provider, so it’s advisable to check the policy details. Some insurance policies cover accidental and windscreen damage, personal belongings and audio equipment or a courtesy car, but others keep premiums low by sticking to the basics. Comprehensive cover is recommended for cars over £1000 in value and is essential for cars worth over £5000. New cars bought on finance have to have fully comprehensive insurance. Usually it covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car
• Fire damage and/or theft of or from your vehicle
• Accidental damage to your own car
• Personal accident benefit – certain amounts are paid in the event of the death or permanent disablement of the policyholder (and sometimes his or her spouse of family member)
• Medical expenses necessarily incurred, up to a stated limit
• Loss of or damage to personal belongings in the insured car, up to a stated limit

A classic vehicle is a vehicle that is over 15 years old and considered to have some value attached to it.

Some of our policies provide an extension allowing you to use your vehicle whilst taking part in a marshalled track day for non-competitive events. If you frequently attend these events talk to us about a dedicated Track Day policy.

Most insurers include a maximum period for use abroad at no extra charge, the maximum is normally 90 days per period of insurance. Please note that whilst you are abroad your Insurers provide a reduced level of cover and not all of the policy cover/benefits are included. Cover is not available for all countries.

Legal Expenses cover is always a benefit as, although you may know a solicitor, they may not specialise in Uninsured Loss Recovery. They would also possibly charge you for their assistance. The legal cover with your Just Kampers Insurance policy is free of charge.

Please refer to your Legal Expenses policy wording for cover and any limit which would apply.

All alterations to your vehicle since it left the manufacturer’s production line are treated as a modification. We specialise in insuring vehicles that have been modified, and most modifications are acceptable and many without any extra charge.

Third-party insurance is the minimum level of car insurance required by law in the UK to drive on the road. It is the cheapest option and only covers you for liabilities to other vehicles if you cause an accident. It usually covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car

Third-party fire and theft insurance works like third party but includes protection for your vehicle against any losses through fire and theft. It usually covers:

• Injuries to other people, including passengers
• Damage to other people’s property
• Liability arising from the use of a caravan or trailer, while attached to the car
• Loss in the event of theft of or from your vehicle
• Damage to your vehicle in the event of fire

This is not automatically included and you will need to check your Certificate of Motor Insurance to see if this extension has been provided. This extension of cover provides the policyholder with only limited cover and is provided by the Insurer for emergency purposes only.

This extension of cover provides the policyholder with Third Party Only cover to drive another car that is not owned or registered to them, or on loan or on hire to them. The car being driven must also be separately taxed, MOT’d and insured already. Also, this extension only applies to the Policyholder and not to any of the named drivers. This extension does not allow the policyholder to drive other vehicles such as Motorcycles or Commercial Vehicles.

An Agreed Value is available on Classic, Collectable or Modified Vehicles. Depending on the vehicle’s condition the listed market value may not reflect the value that could then be reached if you were to sell the vehicle.

If you have an agreed value and your vehicle is a total loss, then any offer will be based on the certified value rather than market value. For all agreed value policies, you will be required to supply several photographs and receipts of parts and labour costs for the work that has been done on your vehicle along with a declaration form. We will review this and if agreeable we will issue you with an agreed valuation certificate.

When making a claim, you will need to pay your excess, with excess protect you will have your excess reimbursed when the claim has settled.

Yes, but you would have to make a claim. We do offer Pothole cover as an extra benefit which covers your vehicle’s alloys, tyres and suspension for up for £1500!

There are a number of discounts that could be available to you, they are:

 Limiting your annual mileage

• Inclusion of a voluntary excess – this will be in addition to any other excess
• If you have a Thatcham alarm/immobiliser or tracking device
• Restrict the driving to yourself or named drivers over 25

We usually suggest you either contact the previous owner or dealer as they may have fitted it, or take the car to a garage to see if they can find the make and model.

It’s important to let us know straight away if you’ve taken out a policy with Just Kampers Insurance and need to let us know about an accident which you didn’t declare.

You can do this by either logging into the MyJustKampers online portal, giving our customer service team a call on 01256 44 45 46, or by logging on to our web chat service, and we’ll be happy to take you through the process of updating the policy.

In order that we can process your application we will need to following:

• Your registration number
• Your payment method including your bank sort code and account number if paying monthly.
• Details of your previous insurer including their name and policy number
• Your current mileage reading

This fee is usually applied in one of two situations.

• When the information you initially provided us, or the details you didn’t mention when we asked, caused the insurer to misunderstand the risk involved, and we have had to put in extra administration work to rectify the situation, or

• If you’ve asked for details of your policy, such as the address you’re keeping your vehicle at, to be changed.

This amount is also in addition to any amount charged by your insurance company for making changes. If you’re still unsure why you’ve received this charge, you can get in touch with our team, and we’ll find out for you. 

Even if your driving record no longer shows any convictions, there are still some insurers on our list who might consider convictions from up to five years ago when determining your premium. The same goes for your claims history.

While some insurers only take into account claims made within the last three years, others may factor in claims up to five years old, regardless of whether they were made by you or another driver. To ensure we find you the best possible quote from our extensive network of providers, we gather comprehensive information about your claims and convictions spanning a five-year period. This way, we can guarantee that we explore all available options on our panel.

Yes, there’s still a chance we can sort out the proposed policy for you. Even if we can’t undo the cancellation, we can usually find an alternative policy that fits your needs and is competitively priced. Just give us a call at 01256 44 45 46 and one of our friendly team of experts will help you find the perfect policy for you and your vehicle.

As long as you can confirm that none of the previously supplied information has changed, we can simply use the existing details held on our records.

It may also be possible to use some of the documentation that you have provided in the past, which will minimise any inconvenience to you. It is unlikely that you will have to experience all of the time-consuming tasks associated with arranging a new policy.

While a protected no-claims bonus does protect your NCB in the event of a claim, an insurer could still increase the premium due to your recent driving history or other factors. If you’d like more information about why your insurance premium has increased, then give us a call on 01256 44 45 46 or send us an email at [email protected]

Your No Claims Bonus will be lost if a claim has occurred where your insurance company has made payments to you or on your behalf. In some circumstances, it may be possible for the NCB entitlement to be reinstated if you agree to pay any costs and withdraw the claim.

Typically, if you don’t use your No Claims Bonus (NCB) for a certain period of time, it becomes invalid. Once that happens, you won’t be eligible for any NCB benefits. The specific timeframe varies among insurance companies, but most of them allow a two-year window for issuing and expiring your NCB. So, it’s important to keep track of your NCB and make sure to utilise it within the designated timeframe to make the most of its benefits.

Usually, a classic policy won’t accumulate No Claims Bonus (NCB) entitlement. A classic policy typically refers to insurance coverage for an older vehicle with limited yearly mileage. If you’re unsure, contact us, and we will check your specific insurer to understand the NCB provisions for your policy.

It’s possible. If you’re involved in an accident and your insurance company pays out on your behalf, your No Claims Bonus (NCB) entitlement will be reduced. It will stay at that reduced level until your insurer receives full reimbursement for the costs, usually from the other party’s insurance company. In the case of a fault accident, there’s a chance to reinstate your NCB entitlement if you agree to cover the expenses involved.

So, depending on the circumstances, your NCB can be adjusted or restored, but it’s important to consider the financial aspects and discuss it with your insurer.

Yes. However, if your No Claims Bonus (NCB) entitlement is reinstated, you’ll receive the appropriate refund for any premiums you’ve paid during the period when your NCB was inactive.

When you want to add another named driver to your policy, we’ll need a number of details from you. Here’s a selection of the type of information we will require to offer a quotation:

• Date of birth
• Occupation
• Driving history – including any accidents, claims, or convictions in the last 5 years
• Information about any medical conditions
• If they have their own car
• The purpose of their vehicle use, such as commuting or social activities
• How long have they held a full UK license
• How long have they been a resident of the UK
• Marital status
• Address information

If you’re using the MyJustKampers online portal, the quickest and easiest way to request this change is by logging in and visiting the “Request a Change” section.

With some insurers, it is possible to add a learner driver. However, the insurers may increase the premium depending on the time they have held their provisional licence and age if they are a young driver. It is always best to contact us with the full details to enable us to check whether the insurers can cover a learner driver. You can call our friendly team of experts on 01256 44 45 46, or send us an email to [email protected]

There is no minimum age for adding a driver to your policy, as long as they hold a driving licence. However, insurers have different rules about the amount of experience required for them to insure a driver, so it’s always a good idea to get in touch with us to see how we can help.

You can call our friendly team of experts on 01256 44 45 46, or send us an email to [email protected]

If you’re planning to take your vehicle off-road, you’ve got a few choices when it comes to your insurance. First, you can keep your policy running if you want to retain cover for fire & theft, even if you’re not using the vehicle.

Alternatively, you can cancel your current policy and switch to a laid-up policy, which keeps your vehicle covered while it’s safely stored away in your garage and not being driven on the road. When you’re ready to be on the road again, you can usually adjust your coverage within the same policy to include road use.

Yes, we offer limited mileage policies to cater to your needs. When you first get your policy or renew it, you have the flexibility to select a mileage limit. As long as you stay within that limit, you’ll be rewarded with a discount. All we ask is that you provide us with the mileage at the beginning and end of the policy. However, if you happen to go over the set mileage on which your quote was based, the discount will no longer apply, and you’ll be responsible for an additional premium.

We definitely want to know about any changes that could impact your policy. If you’re not sure whether something should be mentioned, it’s always a good idea to get in touch with us. Even a small error in your information could potentially affect a claim, so it’s better to be safe than sorry. Let’s say, for instance, you receive a motoring conviction – it’s important to let us know about it as soon as you can.

Adding a driver to your policy could be an option, but it depends on their information and the type of policy you currently have. We’ll need all the details about the driver, including their history of previous claims and convictions. To get started, if you’re using the MyJustKampers online portal, the quickest and easiest way to request this change is by logging in and visiting the “Request a Change” section.

Each insurance company have their own rules, but typically, you need to have at least four years of no claims bonus to be eligible for protection. Usually, this means there will be an addition to your policy excess, and your premium may increase.

Yes, we do want to hear about any changes you’ve made to your vehicle as they could have an impact on your insurance premium, depending on how extensive the modifications are. So, it’s important that you keep us updated and let us know about any alterations you’ve made to your vehicle. That way, we can ensure you have adequate cover.

This depends on how many motoring convictions you have on your driving licence, and who your Insurance Company is. Many Insurers that we deal with will allow two fixed penalty speeding convictions to be on your licence without increasing your premium. You should notify us as soon as you receive a conviction.

Our staff are experts in many unique and specialist car markets, covering all sorts of vehicle makes and models, even those with Q-plates. When you use our online quote system, you can manually enter your car’s make and model. Our skilled underwriters will then scour the market to find you the best deal for your special ride.

We can cover imported vehicles provided we know the point of origin. The vehicle will require a UK registration number for road cover to be provided.

Insurers generally have different rules about the amount of experience required for them to insure a driver, rather than the age of the driver. You can call our friendly team of experts on 01256 44 45 46, or send us an email to [email protected] to see whether we can add your son or daughter to your insurance policy.

The general rule is that the insurance premium is rated on the highest risk driver, which would usually be the youngest driver named on your policy. The exception is if that young driver happens to have one of our Smartbox policies. In that case, things might work a little differently.

Insurance companies keep tabs on the claim statistics for different regions across the UK. So, if you relocate to an area where the number of claims is higher than where you lived before, it’s considered riskier for the insurer. They take this into account when assessing your policy.

This is not guaranteed, but some of the insurance companies we work with will allow a discount if you park your vehicle in a garage overnight. If you’re curious whether this discount could apply to your policy, just reach out to our customer service team on 01256 44 45 46.

To get started, the easiest method would be to log in to our online portal, MyJustKampers.

Alternatively, you can give our specialist Change of Vehicle team a call or log on to our web chat service, and we’ll be happy to provide you with a quote. They can walk you through all your options. If you have the new registration number handy, that’ll speed up the process. But if you don’t, just try to gather as much info as you can about the new vehicle. Having those details will help us give you a more accurate quote and avoid any unnecessary delays.

You can only use your no-claims bonus on one policy at a time. We do, however, offer policies that allow a discount if you have no claims bonus on another policy. This is called an Introductory Discount and is usually only given if you are claim-free.

We will send your renewal invitation, by post or email, around two weeks before the renewal is due. However, we can offer a price for your renewal up to thirty days in advance of the renewal date. This is to make sure that the price we give you will not change.

Yes. It may still be possible for the proposed policy to be arranged. Even if it is not possible to reverse the lapsed policy, we can usually arrange an alternative competitive policy, suited to your circumstances. Call us on 01256 444546 for one of our dedicated specialists to do everything that they can to help you find a suitable quotation.

Your existing insurer may well be willing to reduce your premium if we can demonstrate that their rates are no longer competitive. We also have access to a wide range of alternative insurance schemes which give us the opportunity to beat the price of cheaper quotes on most occasions. Please call us with full details and our insurance experts will do their best to fulfil your insurance requirements for another year.

With your details already on our records, we are aware of your insurance needs and are in a good position to provide you with the service that you require. It is likely that you will have to spend less time arranging another policy with us and have to provide less documentation.

We think it is very wise to have protected NCB if it is available. While it protects your NCB in the event of a claim, the insurer could still increase the premium, due to your recent driving history or other factors.

As long as you can confirm that none of the previously supplied information has changed, we can simply use the existing details held on our records. It may also be possible to use some of the documentation that you have provided in the past, which will minimise any inconvenience to you. It is unlikely that you will have to experience all of the time-consuming tasks associated with arranging a new policy.

With over 40 years of experience in arranging insurance for every kind of vehicle imaginable – and some you probably couldn’t imagine – we have insurance schemes to suit most situations. Even if your current insurance policy is not suitable for your new circumstances, we can use our expertise to help you find a competitive premium and the most suitable alternative insurance scheme available.

For example; if you have made a Statutory Off Road Notification (SORN) on your vehicle you can still benefit from the peace of mind that our specialist laid-up schemes offer. Even when unused and parked in a garage, vehicles can be damaged by accident or by fire and can even be targeted by criminals.

Under normal circumstances a classic policy will not earn NCB entitlement. A classic policy is typically identified as covering an older vehicle with restricted annual mileage.

Your NCB will be lost if a claim has occurred, for which your insurance company has made payments to or on behalf of you. It may, in some circumstances, be possible for the NCB entitlement to be reinstated if you agree to pay any costs and withdraw the claim.

Your NCB entitlement will be reduced if an accident has occurred, for which your insurance company has made payments to or on behalf of you. The entitlement will remain on the reduced level until they receive full reimbursement for the costs, typically from a third party’s insurance company. It may be possible for the NCB entitlement to be reinstated in the event of a fault accident if you agree to pay any costs.

In addition to premiums charged by insurers, we make charges to cover the administration of your policies. For new policies and renewals, we charge up to £65.

Our fees and charges reflect the costs of administering your policy and are reasonable when compared with other brokers and intermediaries. We have access to a wide range of insurance schemes which give us the opportunity to beat the price of cheaper quotes on most occasions. Our insurance experts may ask for full details of your quote in order to re-quote your renewal.

Even if your motoring convictions have been removed from your driving licence, there are some insurers on our panel who may use convictions up to five years old to calculate a premium.

It is similar with your claims history. While some insurers are only interested in claims from within the last three years, others may use claims up to five years old, regardless of whether the claim was made against you or another driver.

By collecting full details of your claims and convictions over a five-year period we can be sure that we are able to find you the best quote available from amongst the full range of providers on our panel.

For many people, it’s convenient to relax knowing that they don’t have to worry about calling us to renew their policy.

It also makes it harder for our customers to inadvertently become an uninsured driver, with the consequent legal and financial implications that a conviction for driving without insurance will attract. Since Continuous Insurance Enforcement (CIE) was introduced in 2011, it is illegal to own a vehicle without it being insured, unless it is subject to a Statutory Off Road Notification (SORN). This initiative was introduced to combat the high number of uninsured drivers. We wouldn’t want you to fall foul of the law for the sake of an honest mistake, so our automatic renewal option helps to make sure there is no break in cover for you.

We will arrange the payment in accordance with our renewal invitation, which we send around two weeks prior to the renewal date by email or post. In the unusual event of there being a problem with your renewal, we will let you know in plenty of time.

If your vehicle is declared SORN, why not enquire about one of our specialist laid-up policies. Even when unused and parked in a garage, vehicles can be damaged by accident or by fire and can even be targeted by criminals. Laid-up policies can be considerably cheaper than ‘road risk’ policies.

Not all policies can be renewed automatically. Please check your renewal invitation for more information on your own renewal.

Yes. However, you will receive the appropriate refund if the NCB entitlement is reinstated.

Under normal circumstances, your NCB entitlement will become invalid if it remains unused for a set period of time. Where this is the case, you will not be entitled to any NCB thereafter. Each insurance company has a different timescale in which your NCB can be issued and will expire, but the majority will allow two years.

The Department for Transport (DfT) states that cars 40 years and older no longer have to undergo their annual roadworthiness check, known to most as an MOT.

Prior to the rule change which was announced May 2018. Only vehicles built or first registered before 1960 were MOT exempt, which accounted for almost 200,000 cars on the road at the time. This number has increased dramatically – as many as 300,000 extra cars became MOT exempt as a direct result of the changes.

Classic car MOT exemption does not apply to vehicles that have undergone significant modification – or ‘substantial change’ – in the past 30 years. Click here to view the Historic (classic) vehicles: MOT exemption criteria.

Car tax, also known as vehicle excise duty (VED) or road tax, is an annual tax paid by drivers in the UK. There are several different factors that determine whether you are required to pay car tax or not, and if so, how much. There are also numerous vehicle tax bands used to calculate the fee that is owed.

This article will specify which tax band your vehicle belongs in and the rates you are subsequently required to pay.

Do I need to pay tax on my car?
The majority of vehicles that drive on public roads in the UK should be taxed – but there are a few exceptions.

Some vehicles are eligible for tax exemption, such as:

• Vehicles used by a disabled person
• Disabled passenger vehicles
• Mobility scooters, powered wheelchairs and invalid carriages
• Historic vehicles
• Electric vehicles under £40,000
• Mowing machines
• Steam vehicles
• Vehicles used for agriculture, horticulture and forestry

If a car is currently not in use, it will still need to be taxed unless it is declared as SORN with the DVLA.

The amount of car tax you need to pay depends on variables such as CO2 emissions, fuel type, and engine size. As previously stated, electric vehicles are exempt, but hybrids are not. However, they may have a lower tax expense as they emit fewer emissions than petrol or diesel cars.

One of the biggest factors in determining the price of tax is the vehicle’s age – referring specifically to when it was registered. The DVLA car tax rates come in two forms: a first-year rate followed by a standard rate. Emissions figures or engine size and the vehicle’s registry date will determine how much you will pay.

Car tax changes happen frequently and first-year tax was introduced in 2010 as a way to encourage more environmentally friendly vehicles. If you bought a newly registered car between April 2010 and 2017, you will be subject to this tax.

The government provides data and tools to help calculate your VED.

Vans weighing up to 3.5 tonnes must keep to the following speed limits: 30mph in built-up areas. 50mph on single carriageways. 60mph on dual carriageways.

Yes, speeding convictions can have an effect on your insurance premium.

Wild camping is illegal in England and Wales. The same is true in Northern Ireland. However, with the landowner’s permission, you can camp on land that’s not an official campsite.

You legally need insurance on your campervan or motorhome to drive on the road. And most campsites will require your vehicle to be insured as it’s open to the public.

No, there is no age limit for driving a campervan.

There’s no specific law preventing parking motorhomes outside houses. Certain exceptions can make this illegal. Local council regulations can pose challenges to motorhome parking.

There is no law preventing you from parking your motorhome on the street, providing there is no street markings or signage preventing you from legally parking there.

Although it is not specifically illegal to travel in the accommodation area of a campervan, you should bear in mind that this area would not have been specifically designed for use when travelling and Regulation 100 of the Road Vehicles (Construction & Use) Regulations 1986 (SI 1986 No. 1078) may apply. Our advice is that passengers are safest in a forward or rearward facing seat equipped with a three-point seat belt. Seat belt anchorage points should be designed so that they will be capable of withstanding the high forces of an impact and seat belts must comply with the latest British or European standards and be marked accordingly with either the ‘e’, ‘E’ or BS ‘Kitemark’. We strongly recommend that they are professionally installed by qualified persons (such as a commercial garage or seatbelt specialist).

The current rules to register a motorhome with the DVLA is as follows: seats and table, sleeping accommodation, cooking facilities, storage area, 2 or more windows on at least one side of the main body, a separate door which provides access to the living accommodation (excluding driver and passenger door), motor caravan-style graphics on both sides of the vehicle, an awning bar attached to either side of the vehicle, and a high top roof (pop top roof does not count).