Frequently Asked Questions about Motor
Insurance
Do I need to keep my car garaged/alarmed/immobilised
to get cover with GAN DIRECT?
Not on the majority of cars where, as long as you ensure that
your car is adequately locked and the windows are shut each
time you leave it, our policy will cover you whether or not
it is garaged or has an alarm or immobiliser fitted. Cars
for which security is required, please call us on 80
05 10 15 to find out more.
I have been a named driver on someone
else’s policy for a few years - does that entitle me
to a no claims discount if I start my own?
It is only possible for the actual policy holder to benefit
from the no claims discount - nevertheless, GAN DIRECT
will usually give you an introductory discount if you are
claim free.
I am getting a second vehicle; can
I use the bonus twice?
Again, the no claims discount has to stay with one vehicle
at a time but if the person who is taking the policy is claim
free this will always help to keep their premiums down.
Are my spouse and I covered for our
business use with our GAN DIRECT policy?
As long as you agreed this with us when you took out the policy,
and you use your car in accordance with the section called
"limitations as to use" in the policy booklet.
I am named on my spouse's policy,
can I drive somebody else's car with their permission?
No. This only applies to the policy holder
Do you insure motorbikes/caravans/boat/commercial
vehicles?
No, only private owned cars.
How do I pay for my cover with GAN
DIRECT?
To cut administration costs and keep our prices low for customers,
we accept credit and debit card, cash and cheques.
Do you offer a courtesy car in the
event of an accident?
At GAN Direct we do everything we can to
get your own car repaired and back to you as quickly as possible.
We have avoided providing courtesy cars so that we can make
the fast turnaround of your claim and repair our number one
priority. However, if the accident was the fault of a traceable
third party you should be able to recover the costs of hiring
an appropriate replacement car from him/her or their insurers
(unfortunately this only applies after you've paid for the
hire).
I am currently driving a company
car through my employer. Do these claim free years contribute
to a No Claim Discount?
If you've previously driven a company car for business and
pleasure, we may be able to offer you an enhanced introductory
discount. You must have surrendered the company car within
the last year, be claim free and able to supply a letter from
your employer to confirm this information.
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