Frequently Asked Questions

Cancellations


How do I cancel my insurance?
What is the 14 day cooling off period and what is the cost if I use it?
Can I cancel if I have made a claim?
Does cancelling my direct debit automatically cancel my insurance?
Why do I owe money after cancellation?

Claims


How to make a claim?

Contacting Us


What are your opening hours?
What is your address?
What is your email address?
What is your telephone number?

Payments


Can I pay off remaining instalments in one go?
How long will a refund take?
Who do I make cheques payable to?
Who are Panacea Finance and Close Premium Finance?

No Claims Discount (NCD)


What is No Claims Discount?
Why do you ask for No Claims Discount proof?
Does No Claims Discount expire?
Can I use No Claims Discount from another country?
Can I use No Claims Discount from a motorcycle on a car policy and vice versa?
Can I use No Claims Discount from a commercial vehicle policy and vice versa?

Terms of Business


What are your Terms of Business?

Documents


Why does my schedule show a different premium to what I am paying?
How can I get a copy of my insurance certificate?
Why do you require me to send copies of documentation to you?