Freqently Asked Questions
Q - How do I make a claim on my insurance policy?
A - To make a claim contact our claims department on 0161 480 0170. Alternatively e-mail info@metcalfeins.com. E-mails are normally processed between 9.00am & 5.00pm Monday to Friday.
Q - Am I entitled to a courtesy car?
A - Most insurers will provide a replacement vehicle following an accident as long as an approved repairer is used, subject to availability. Our claims department will be able to confirm these details for you.
Q - Who do I pay my excess to?
A - If a policy excess is applicable, it is payable to the repairing garage upon completion of repairs.
Q - Is my excess recoverable?
A - Yes if you are involved in a non fault accident and there is a third party to claim from. If you have purchased our unique legal expenses cover you will be assisted in the recovery of your policy excess along with any other losses or out of pocket expenses from the third party.
Q - Can I get emergency repairs done?
A - You can have urgent remedial repairs completed (e.g. leak on a sink fixed). You cannot repair damage caused by the accident without consulting your insurance
company first and obtaining their agreement and approval.
Q - Who is the insurance company?
A - Our policies are provided by the countries leading insurers including AXA, Allianz Cornhill, Fortis, MMA, NIG, Lloyd's of London, Royal and Sun Alliance, Norwich Union, Zurich and many more.
Q - How can I obtain copies of my documentation?
A - To obtain a duplicate copy of your insurance policy documentation ring 0161 480 0170 and speak to an advisor. Alternatively e-mail info@metcalfeins.com. You may be required to complete a form to obtain your new documentation and there may be a charge for this service.
Q - What documentation have you sent me?
A - When you take out cover you will receive your cover note or insurance certificate & policy. Keep the documentation safe for your future reference.
Q - How can I make changes to my insurance policy?
A - To make changes to your insurance policy ring 0161 480 0170 and speak to an advisor.
Q - What is no claims bonus and how does it affect my insurance premium?
A - Your no claims bonus is a reward for remaining claim free. It rises on a scale up to 9 years. The more bonus earned the cheaper your premium will be. Your no claims bonus can be protected, this facility is normally available when you have been claim free for 4 - 5 years. Protected no claims bonus will not have been included in your online motor quotation. (EU only).
Q - My car has been 'Modified'. Do you need to know, and will it affect the cost of my cover?
A - We do need to know and it may well affect the cost of your policy. Make sure you tell us when you ring up take out your cover if your car has been modified so we can ensure you are fully covered.
Q - How can I pay for my insurance policy? Can I pay in instalments?
A - We accept payment by all major credit cards (excluding American Express), and solo/maestro. Instalment facilities (including Direct Debit up to 12 months) are normally available. Please ask ust for full written details. Direct Debit applicants must be over 18.
Q - Is Breakdown cover included in my motor quote?
A - Breakdown cover is available from only £28 a year.
Q - What are your terms of business?
A - Full details of our terms of business can be found here.
Q - How do I get a quote for a Q plate / Imported / Modified Vehicle?
A - Please telephone us on quoteline 0800 594 4800.
Q - Why don't you provide motor insurance cover for Northern Ireland?
A - Most insurance companies only provide cover through Brokers or Agents based in Northern Ireland.