Green car insurance

The Green Insurer works with a panel of insurers, allowing us to quote for the widest range of customers and to find you a great deal. Learn more about our panel of trusted insurers.

We have partnered with Close Premium Finance to provide our customers an affordable option to pay for their insurance.

Fees

• APR rate is 25.5%
• Interest rate 10.7%
• Default fees £25

This is a discount insurers give you for the number of years you have been driving as a policyholder without making a claim against your own policy. It is important to remember that if you make any non-glass claim against your own policy, even if the accident was not your fault, this will still be counted as a claim.

Claims free driving only applies when no claims discount isn't available.

Some insurers may give you a discount if you have been driving for a number of years without a claim, but it’s not been under your own insurance policy. For instance, you may have been a named driver on someone else’s car insurance policy, or been driving a company car. You will need to supply proof of this to get the discount.

If you have a claim under your car insurance policy this is the amount you will have to pay towards the overall cost. The amount may be different depending on the claim - for instance the amount you have to pay for accidental damage may be different from what you pay towards a claim where the is only glass damage. Your insurer will set the excess level, which is the lowest amount you can agree to, but you can choose to apply an additional voluntary excess to reduce your premium.

This can vary from car insurance policy to policy, so please check very carefully before relying on this cover - it will be shown on your car insurance certificate. The “driving other cars” cover that applies to some policies is designed if you need to drive another car in an emergency. It doesn’t cover any damage or loss to the vehicle you are driving.

Driving other cars cover only applies to the policyholder and not any named drivers.

Undamaged parts that have been safely removed from another car to be recycled and fitted to another car when being repaired are referred to as green parts. At The Green Insurer we are keen to use green parts wherever possible, and by taking out a car insurance policy with us you are agreeing them being used where available. We like Green Parts because they avoid the carbon costs of making a new part and reduce wastage generated by disposing of undamaged parts. Wherever green parts are used by one of our insurers they are guaranteed for as long as you own the car, excluding general wear and tear.

Once your policy has ended, you will have access to your account via The Green Insurer app and portal for thirty days, it can take up to 24 hours from the policy ending before the app stops recording trips.

If it looks like you are going to over-exceed your milage you’ll be sent a warning message which will allow you to make an adjustment to increase the mileage on your policy so that you don’t void your car insurance policy.