For assistance with your car, bike, van or motorhome policy, please check the Frequently Asked Questions below to see if your query can be answered.
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NCD stands for No Claim Discount (also referred to as No Claims Bonus and NCB), which represents the number of years you have held a policy without making a claim or having a claim made against you.
NCD 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 rise and we want to protect our clients from potential price increases, by verifying documents such as NCD, driving licences and other important information.
If your NCD 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 NCD cannot be used if your quotation was based on it being in date.
We need to know what country your NCD was earned in as it can affect your quotation. The majority of underwriters will accept NCD only from the United Kingdom. We do have some schemes where we can accept NCD from other selected countries, so it is important that we are informed of the origins of your NCD before you accept the quotation. We can then make sure you have the right policy for your driving experience.
You can only use your NCD on one policy at a time. We do, however, offer policies that allow a discount if you have NCD on another policy. This is called an "Introductory Discount" and is usually only given if you are claim free.
For an extra premium you may be able to protect your NCD. This allows you to make a stated number of claims in a stated number of years without affecting your discount. For instance you may be able to make two claims in three years without your discount being affected. You can usually only protect your No Claims Discount at the start or renewal of your policy and not mid-term.
You must tell us everything that is relevant to your insurance. Failure to do so could result in your policy being cancelled or voided and you being left without cover. We need to know all your details, your driving history (any claims or motoring offences for you and any other drivers who will be using the car), the car details and the location. It is useful to remember that insurance companies and the police are starting to share information about cover, drivers and driving history.
Insurance companies need to take a lot of information in order to calculate a price: things like the make and model of car, postcode, driving history, claim experience, occupation, and type of use. By taking so much information we can personalise the price for your specific circumstances.
Every person’s individual circumstances are different. Insurance companies need as much information as possible to enable them to determine what the premium should be for the risk for each individual’s circumstances. Each insurer will view the details slightly differently based on their own experiences and claims statistics.
Sorry - We can only implement policies in the United Kingdom and the Channel Islands (we also have a limited group of insurers that will cover Northern Ireland).
This applies only to DVLA reportable conditions that may affect the conditions under which you are granted your driving licence.
You will be asked to search for your car's make and model. If the system does not display an exact match please call us on 01708 609 331.
An excess is the amount you are obliged to pay to your insurance company before your claim is paid. A compulsory excess of £100 means that you will contribute this amount before receiving any compensation from the insurance company. You can decrease the insurance premium by adding a voluntary excess amount which will then be payable in the event of a claim on top of the compulsory excess. For instance, if your policy has a compulsory excess of £100 and a voluntary of £200, you will pay £300 total excess in the event of a claim.
Our online quote facility does enable you to gain a quote should your car have modifications. However, if you prefer please call one of our specialist modification team members on: 01708 609 331.
The simple answer to this is that many underwriters are wary of drivers with modified vehicles, considering them to be reckless and therefore prone to accidents. The reality is, however, that drivers of modified vehicles tend to be vehicle enthusiasts who will go to extreme lengths to protect their pride and joy from harm. At Performance Direct we only deal with underwriters who respect the modified vehicle driver.
We have a wide range of schemes to cover most imported cars. If your vehicle cannot be found on the on-line system please call us on 01708 609 331 and we will try to assist you.
This information is available from your Registration Document (V5). The table below lists the Registration Marks for the last 10 years:
Every car is given a group number by insurance companies, and this provides an indication of the risks involved. The higher the group number, the more expensive the premium will be. Cars are rated according to the following:- value when new, repair costs, repair times, body shells, performance and security. It is worth noting that we deal with a large panel of insurers and they all have different ratings for groupings on vehicles. Not all companies work on a 1-20 group system.
The main driver is the person who uses the car the most. It is better to be honest here if you are planning on insuring a car for your son or daughter as insurers can invalidate claims on this basis.
There may be a reason for the owner and registered keeper to be different individuals. For example, you may use a car that is owned by someone else in which case you would be the registered keeper. Or you may own a car that you allow your children to use and therefore the registered keeper would be one of your children.
Many insurance companies require your vehicle to have a Thatcham approved security device. This will include an alarm or immobiliser or combination of both. Thatcham approval indicates that the security is subject to regular testing and therefore complies with the Association of British Insurers standards.
An immobiliser is an electronic device that stops the car from being started if it is broken into. Although this won't stop your car from being broken into, it may well stop it from being driven away.
A tracker is an electronic device (normally fitted as an accessory after purchase of the car), which emits a signal enabling law enforcement agencies to locate the car anywhere in the UK if it has been stolen. Usually with a tracker you would need to pay a subscription for the tracking device each year.
The security measures you have in place to protect your vehicle can dramatically affect the price you pay for your insurance premium. In many cases only Thatcham approved security systems are considered by insurance companies before they issue cover.
This is because Thatcham approved systems are designed specifically to meet the criteria designated by the Association of British Insurers Motor Research Centre at Thatcham. The three categories of security systems are:
Thatcham Category 2 to 1 upgrades are also available (2 to 1) that simply supply an alarm where your vehicle is already fitted with an immobiliser. This option can work out slightly cheaper than removing the security you have in place and replacing it with a new Thatcham Category 1 system.
All of the security systems provided by Thatcham are re-tested annually to ensure they meet current market standards.
If your vehicle has been fitted with a Thatcham approved security system you should have a certificate from the installer. Your insurer will require proof of this. If you are unsure if you have a Thatcham device fitted as standard on your vehicle, or are not sure whether it is category 1,2 or 3, then there are various websites which will provide you with this information.
You need to advise of any motoring offence in the last 5 years including any pending prosecutions. Visit ( https://www.gov.uk/penalty-points-endorsements/endorsement-codes-and-penalty-points ) for more information.
The main policy types to consider are TPO (third party), TPFT (third party, fire and theft) and comprehensive. Consider the pros and cons of each and choose the appropriate cover for your needs.
No, tools are not covered under any insurance policy we offer. However we do offer Tools Cover as an additional extra. Please call us on 01708 609 331 and we can arrange a quotation over the telephone.
The majority of insurers allow a designated period of cover free of charge within EU countries on a pleasure use basis. You should contact us before you depart to ensure that the countries you are travelling to are acceptable, you are within the amount of days allocated by your Insurer and whether there is a charge for the cover. When contacting us it also advisable to check whether you are covered only third party only when driving abroad, or whether the cover on your schedule extends to the EU cover also. Requirements may change when we leave the EU (after the transition period), so please check your cover before you plan to travel.
Each policy differs depending on customer requirements. We do not automatically insure you to drive other cars so you should check your Certificate of Motor Insurance to see if you are covered. This cover would also only ever be given on a comprehensive policy and would only provide TPO cover on the vehicle being used.
You will receive the documents that you request from us by email the same day or if you request by post (and the charge has been paid) then you can expect your documents within 5 working days, providing validation has been completed.
Breakdown cover can be purchased for an additional premium. If you have paid for breakdown service please CLICK HERE to find out what your level of cover offers.
There are a number of ways:
Insurance companies work with different statistics and use different methods to calculate premiums. Some companies specialise in certain areas or types of vehicle so are prepared to discount more in some areas than others.
Once you have completed a quote we will email you with a password and a quote reference number. This is required to keep your data secure and to enable you to retrieve your quote details without having to enter your details again. If you need to contact us during the quote procedure, your quote reference number will be displayed at the bottom of all quotations pages.
Statistics prove that newly qualified drivers are involved in more road accidents than anyone else. You will need to prove yourself to be a safe driver and therefore a low risk to insurance companies; this will only come with experience. If you have passed your test within the past 12 months you may consider taking the Pass Plus course.
To obtain an online quotation from our website you must be over 17 years of age on a car or van (16 on a motorcycle/moped) and below 80 years of age.
The email address you enter will be used to send you important information, including your insurance documents. By entering your email address and telephone number you consent that we use this information for that purpose. We telephone each customer to validate their information and their insurance policy, so it is very important that you provide an email address you frequently use and telephone numbers that we can reach you on during our office hours. These contact details will then be used throughout the life of your policy for us to contact you when we need to.
It is important that you have the right use for your car, if you have the wrong use you may find that your insurance company will not pay out on a claim, or charge an increase in premium to proceed with a claim.
We request this information to confirm accurate information was given at the point of inception to help prevent insurance fraud. Having accurate information lowers the risk of an insurance claim being refused.
We pride ourselves on our extensive vehicle file and have built up a database of both ABI and Non-ABI vehicles. If your car is not listed please contact us on 01708 609 331 and our advisors will happily offer you a quote and add your vehicle to our database. Our specialist schemes are able to cover a wide range of vehicle types and we relish the opportunity to discuss your vehicle with you.
Our agents will do their best to provide you with a level of insurance that suits your requirements, however, cover for spare parts will be subject to the individual insurer. Please speak to one of our advisors for more information.
If you are unfortunate enough to be involved in an accident or you have your car stolen, vandalized or damaged in any way, you can call us to report a claim on 01708 925 057. We will provide you with the support you need, details of the repairer nearest to you and all the steps involved. As one of our customers, you will always receive the highest standards of service.
You need to advise of any accident or claim you have made in the last 5 years. This includes claims/incidents regardless of blame, fault or whether claimed or not and windscreen claims.
If your vehicle is damaged as a result of a claim that is covered by your policy, providing you are using one of the insurers recommended repairers to repair your vehicle, your insurer may offer you a courtesy car for the duration of the repairs, subject to availability. If your vehicle is stolen and not recovered or damaged beyond economical repair, your insurer would not normally provide a courtesy car but will settle your claim as quickly as possible.
Yes, all incidents need to be advised to us whether you are making a claim or not. You can report the incident to us on 01708 925 057.
The terms fault and non-fault can be confusing. A non-fault claim is simply a claim where the insurer is able to recover all their costs from someone else. If they are not able to recover all their costs, then it is a fault claim even if you didn't cause the claim to occur. For example a theft is typically classed as a fault claim because although you are not to blame for the theft, the insurance company had no third party to claim the costs from so they classify it as a fault claim.
If you have purchased a Performance Direct legal cover policy, this will provide a stress free service aimed to achieve a 100% recovery of your uninsured losses where you have been involved in a blame free accident with a known third party.
It offers £100,000 limit of indemnity and enables you to gain compensation where the other driver (third party) is at fault. A Performance Direct Legal Protection policy pays for the cost of legal representation by an appointed solicitor or legal representative to a limit of £100,000.
If you would like to arrange a policy with ourselves via telephone, you will need to contact our quotations department on 01708 609 331. All major credit and debit cards are accepted. Alternatively you can send a cheque in the post including your unique reference number and contact telephone number.
You can pay for your premium in one lump sum or monthly instalments. If you choose to pay by Direct Debit, you will be asked to pay a deposit.
If paying by a card, "card number" refers to the long number shown across the middle of your card (between 16 and 21 digits). We will also require an expiry date and security code.
Yes, there are three payment options available:
Please speak to our advisers to discuss your options further on 01708 609 331.
When you pay for your insurance, you are required to confirm that you, as the policyholder, are the account cardholder.
If you wish to use someone else's details, it is your responsibility to have the cardholders permission to make payment online. If payments are taken over the phone we will need to speak to the cardholder.
In recent years insurers have been losing money by writing motor business. There has been pressure in the market to keep rates down due to the fact that so many companies are writing motor insurance but as they have lost so much money they are now putting the rates up so that they can cover claims losses and make money again.
Auto renewal is a process that allows your policy to be automatically renewed from its expiry date for a further twelve months. Payment continues to be taken from the account details we hold meaning that there is no interruption in your insurance cover. Your renewal is based on the information we currently hold and the cover you have previously selected, including any optional covers. If any details have changed or you wish to make changes to your policy, please contact us to notify us.
Please contact one of our renewals team to notify us that you want to opt out of the auto renewal process. CLICK HERE for contact information.
You need to send a copy of your photocard licence and a check code produced by the DVLA website. All drivers named on your policy will also need to complete this process. Please follow the steps below to obtain your check code.
CLICK HERE for more information.
Below is a list of acceptable proof of address. All forms of proof need to be within the last 3 months, these can be sent by Email, fax or post.
If all the documents requested are not returned to us we may cancel your insurance policy. Most insurance companies need to receive your documents within 30 days of purchasing your policy.
All documents requested by us can be returned by:
We work closely with reputable motorhome insurers to ensure that your motorhome is adequately covered. The eight main classes to consider are:
Insurers will require some minimum requirements for a vehicle to be classed as a ‘motorhome’. These minimum requirements are generally:
All of the above must be of permanent installation. Vehicles not meeting the above may be classed as a day van and can be covered subject to referral.
Yes, although Day vans are not generally classed as motorhomes as they have not been fully converted in the same way as a motorhome. We are aware that a Day van is still an important class of leisure vehicle used by many outdoor enthusiasts, from mountain bikers to surfers and ramblers alike and we have secured specialist rates with our panel of insurers.
A motorhome insurance policy is specifically designed to provide cover for your motorhome as there could be some gaps on a normal private car policy. The main inclusions are:
Typical exclusions on a motorhome insurance policy include:
Yes – our policies offer a range of covers from £100 to £3000.
We can offer 30 days cover to 8 months of cover. Anything over 8 months is classed as a full timing policy and would need to be rated accordingly.
Yes - You need to be 21 or over in order to qualify for most Classic Car policies.
A classic car can be any car manufactured at least 10 years ago as a standard production model. There may be mileage restrictions and other vehicles including commercial vehicles, military vehicles, tractors and custom made replicas may also be acceptable. If you are unable to find your vehicle on our quote page please contact one of our specialists on 01708 609 331.
Yes, we run a specific car club scheme as well as a recommendation scheme. Please make our agents aware if you are part of a car club.
Agreed Value is the amount that the insurer agrees in respect of a total loss claim.
The amount is usually agreed at the start of the policy rather than at the time of a loss. This differs to a standard policy of indemnity where an insurer would only consider paying the market value of the vehicle at the time of the loss. Where the value has been agreed the insurer will meet the agreed amount, less the policy excess without deduction for wear and tear and depreciation.
Important: Cover will usually remain on a “market value” basis until the insurer accepts and agrees the value with you – this usually requires completion of an agreed value declaration form, submission of at least 6 photographs of the vehicle first and (depending on the value of the vehicle) they may also require an independent valuation.
An administration charge might be applied to process agreed valuations.
Yes, we have a range of discounts based on mileage from 1000 to 7500. Insurers would deem your classic car to be used as ‘high days and holidays’ meaning it is not your main mode of transport and a vehicle that you cherish.
As a broker we use a wide panel of insurers – some will issue a traditional No Claims Discount and others will issue a claim free driving letter as confirmation of your claim free driving experience.
Our policies will include an amount of EU cover. Please speak with one of our advisors to confirm the level offered.
A horsebox is a vehicle which is manufactured so you can transport your horses for a personal use.
If you are planning to convert your standard panel van into a horsebox, we have several insurers who will cover this. The insurers will require the conversion to be completed within a certain amount of time; ranging from 30 to 90 days from the start date of your insurance policy. This must be in line with the DVLA.
Depending on the value of your horsebox some insurers do not require anything. However, vehicles over £5,000 will require either a fuel cut off switch, battery isolator, a factory fitted immobiliser or tracking device.
Typical exclusions on a horsebox insurance policy include:
A Green Card is not normally necessary for travel in EU countries or countries which follow the EU directives on motor insurance.
Different insurers cover certain countries so please check with an agent to make sure the countries you are visiting will be covered under your policy. This information can also be found in the specific insurer policy book.
If you are unsure, please call us on 01708 436 493 and one of our agents will be happy to answer any questions you have.
We do not have a minimum value that our panel of insurers will cover. We can cover vehicles valued at high amounts more than £100,000. If your vehicle is worth over £50,000 this will be subject to the correct type of security being fitted to the vehicle. If we are unable to offer a quote on our website we will be able to get a quote subject to referral to our panel of insurers.
Yes, you can add temporary and additional drivers to your policy. This is dependent on the driver’s details being acceptable to your insurer.
If you wish to get a quote for an additional driver please contact us: 01708 436 493.
Not all insurers will cover replacement locks and key cover. Please check with an agent or your policy book.
You may transport other people’s horses as long as no money changes hands (other than a contribution to fuel), if you are wanting to be paid for transporting horses you will need cover for ‘Hire & Reward’, otherwise, the cover will be invalid and no insurance will be in place.
You may allow other people to drive your horsebox provided they hold the correct licence for the vehicle and they are covered under your insurance policy, either as a named driver or with the driving restrictions allowing any driver over 25 years old.
This will not affect the cover, as long as you have made us aware of their adverse driving history before they get behind the wheel. In certain situations, we may need to refer this information to our Underwriters and an additional premium may be added. Under the insurance, you as the horsebox owner are responsible for checking the driver has the correct licence and advising us of any claims or convictions.
All UK vehicle insurance provides the minimum third-party cover to drive in other EU countries, however some insurers may provide full comprehensive cover. Requirements may change when we leave the EU (after the transition period), so please check your cover before you plan to travel.
Your horsebox cover will most likely not insure you for driving other vehicles.
Your windscreen will be covered as part of your horsebox cover but only on a comprehensive policy and an excess may apply.
Tracker Network (UK) Ltd are the UK market leaders in vehicle tracking technology. They have a 24/7 emergency contact centre so if your vehicle is stolen, once you have called them, they will use their technology to attempt to locate the vehicle and liaise with the police to guide them to its location.
It is a tiny (matchbox size) box that needs to be hidden in the vehicle at all times. It will emit a signal once every 24 hours to confirm its location to Tracker via GPS and GSM technology. If the vehicle is stolen, Tracker will use this signal to locate the vehicle.
We will contact Tracker Network (UK) Ltd as soon as you have purchased your policy and we have verified your information. We will provide your name, address, contact details and vehicle details to Tracker. Within a few days, Tracker will send you the device via First Class post. When received, you need to activate it, place it discreetly in your vehicle where it is not clearly visible, and register with Tracker Network (UK) Ltd. Full instructions will be included in the device packaging that you receive from Tracker.
Once your device has been enabled a red LED light on top of the unit will begin to flash. Once the GSM signal has been established the light will stop flashing. The red light will turn off after 30 seconds. If the LED light does not turn a solid red after a few minutes, then please turn the toggle switch off and wait for 2 minutes before repeating the process. If the problem persists, please contact Tracker's Technical Team on 0808 509 0909.
When installing the device please make sure the top of the unit (where the LED light is located) is facing upwards to ensure the device can pick up a GPS/GSM signal. The device should be fitted to a flat, secure surface (away from vehicle radio or electrical equipment) and mounted safely with the Velcro pads provided. Please ensure the installation location is not obvious or easily found e.g. Glove compartment.
Please contact us as soon as possible. Phone numbers are as follows:
Performance Direct Car policy – 01708 925 054
Performance Direct Motorhome policy – 01708 564 181
Our staff will check your policy and contact Tracker on 0808 509 0909 to ensure the device has been sent to you.
Tracker Network (UK) Ltd will check their systems each day until they have confirmation that the device has been activated and registered. If this has not been completed after 5 working days, they will contact you to offer assistance. If it remains inactivated or unregistered, Tracker will contact us. We will contact your insurers, and it may be necessary for us to cancel your motor insurance policy, which we will do in accordance with the Terms & Conditions of your policy.
If the device does not send its location to Tracker every 24 hours, Tracker will be made aware there may be an issue. Their technical support team will work with you to resolve this, and if the device is faulty, it will be replaced at no cost to you. As soon as you become aware the device isn’t working, please ensure that you contact us in order that we can advise your insurers and try to make sure you are not left without suitable protection.
Your insurance policy requires you to activate and register the device with Tracker and to place it in a discreet location in your vehicle. If the device is not placed in your vehicle, you may invalidate your insurance policy and may not be covered if your vehicle is stolen.
Tracker Network (UK) Ltd are the only people who can see the location of the device. They will advise the police of this information to assist them in locating your stolen vehicle. The location information will not be shared with us or with your insurer except when the insurer is required to recover your stolen vehicle. Neither we, nor your insurers, will be able to see where your vehicle is until it is reported stolen.
When you become aware that your vehicle has been stolen, you must first contact the Police. When they give you a crime reference, you need to contract Tracker on 0808 509 0909 so that they can locate your vehicle and liaise with the police so that it can be recovered. If you then need to make an insurance claim, please contact us so that we can assist, on the following number 01708 925 057.
The battery is guaranteed for two years. After two years, if you are still insured with us, Tracker will send you a new device and ask for the old device to be returned to them. If you do not return the old device, you will incur a fee of £20 + VAT which is payable to Tracker.
You will be required to return the device to Tracker. Tracker will contact you directly to arrange for the device to be returned and will provide packaging and pre-paid postage so that this will not cost you anything. Failure to return it will incur a fee of £40 + VAT which is payable to Tracker.
You will be required to return the device to Tracker. Tracker will contact you directly to arrange for the device to be returned and will provide packaging and pre-paid postage so that this will not cost you anything. Failure to return it will incur a fee of £20 + VAT which is payable to Tracker.
The Nano always remains the property of Tracker Network (UK) Ltd.
Yes, as long as it can pick up the necessary signal to be able to emit its location.
Yes, as long as it can pick up the necessary signal to be able to emit its location. However, outside the UK, Tracker may not be able to liaise with the local police forces to facilitate the recovery of your car.
Simply remove the device from the old vehicle and place it in the new one. You must ensure you have advised us in order that we can transfer your insurance policy to the new car or provide you with an alternative insurance policy. At this point, we will automatically advise Tracker.
In accordance with the Terms & Conditions of your insurance policy, you need to inform us of these changes. When you do, we will automatically advise Tracker of the changes so they can update their records.
For full details of all the above, please see our terms and conditions or contact ourselves or Tracker Network (UK) Ltd.
For assistance with your home insurance policy, please check the Frequently Asked Questions below to see if your query can be answered.
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Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.
Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.
Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.
You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01708 564 147.
Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.
Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.
Accidental damage to underground pipes, drains and cables (including their inspection covers) serving the buildings are covered under buildings insurance. Exclusions apply when the damage is caused by depreciation, wear and tear, atmospheric, climatic or weather conditions, any gradually operating cause, faulty workmanship, defective design or the use of defective materials. In addition there is no cover for maintenance, routine redecoration or the cost of clearing blockages from pipes and drains if there is no damage to the pipe or drain itself.
Outbuildings will be covered under the sums insured buildings limit that is requested on the policy.
Outbuildings such as an annex, summerhouse or any other nonstandard outbuilding may need to be referred to the insurance company.
The contents cover will vary as each individual company will have different limits for this. The amount will be shown in the policy booklet of the insurance company.
Chances are your home will be the most expensive purchase you ever make. Not only that, it's also full of your most cherished possessions which is why different people need different types of home insurance.
If you're a home owner or a first-time buyer you may already be aware that for many mortgage providers, buildings insurance is a condition of the mortgage.
If you're a home owner and live in the property, you may want to purchase both buildings and contents cover as you're responsible for anything that happens to either your home or its contents.
Renters only need to look at contents cover as the property's landlord is responsible for the structural maintenance. However, you should always check the terms of your rental agreement to be sure.
You may require contents insurance to cover your belongings this is not compulsory though.
You will not be required to take out buildings insurance as the landlord would cover this.
Yes. The current insurer may not cater for your property to be let out. We would need to look at arranging more specific policy suited for your needs.
Yes should you wish to make an amendment to the sums insured please contact us. Please be aware this can incur an additional premium as well as an admin fee.
We will look to either match or beat the renewal with the current insurer or a new provider if this is not possible.
Yes, except for clothing and linen.
Your policy will not cover wear and tear to contents not caused by an insured event. For example, the policy does not cover a carpet that has worn through due to use, but we would replace it new for old if your house was flooded, whatever the condition of the carpet.
Any valuables that stay within the home at a value of £1500 or more may need to be specified depending on the limits given by each individual insurer.
Depending on the insurance company this will differ. Some companies will include this up to a certain amount some will not give any cover.
Depending on the insurance company this will differ. Some companies will include this up to a certain amount some will not give any cover.
General wear and tear will not be covered but if accidental cover is selected then appliances will be covered under this extension.
If you lost everything in your home due to a Fire/flood or any other insured peril, buying everything again would cost a fortune so contents insurance is vital if you’re going to cover yourself for unexpected events.
Accidental damage cover is usually sold as an optional add-on to standard household insurance policies. Insurers often say it is designed to insure the policyholder's possessions against damage caused by acts of negligence - for example, spillages and breakages in the home.
This is optional cover you would need to select cover for personal possessions. unless selected there would be no cover for items away from the home.
Personal Possessions covers clothing and items you own (worth less than £1,500 individually) that you carry with you.
You can choose cover for items such as:
These are:
You can arrange specific cover for high risk items or personal belongings worth over £2,000.
Contents Insurance is optional. However, you've worked hard to get your home and everything in it. So it goes without saying that you'd want to protect it with contents insurance coverage.
Contents are items such as furniture, household appliances, personal effects and fixtures and fittings such as carpets and light fittings. We cover a wide range of risks, including fire, theft and flooding.
Yes, except for clothing and linen.
Your policy will not cover wear and tear to contents not caused by an insured event. For example, the policy does not cover a carpet that has worn through due to use, but we would replace it new for old if your house was flooded, whatever the condition of the carpet.
Our standard contents insurance provides accidental damage cover to specific items in your home such as TV's, DVD, audio and video equipment (but not portable items such as laptops), and breakage of glass in furniture, mirrors and ceramic in hobs. However if you want to protect your contents against other types of accidental damage e.g. spilling paint on your carpet or furniture or dropping an ornament you will need to add this optional cover to your policy.
If you wish to cancel your policy with us, please call us on 01708 564 147. Please note, cancelling your policy may result in a cancellation fee.
If your circumstances change, please let us know straightaway. Changes we don’t know about could invalidate your insurance. If you’re not sure if we need to know about a change please call us and check.
Yes should you wish to make any amendments to the policy please contact us. Please be aware amendments can incur an additional premium as well as a admin fee.
Yes should you wish to remove any aspect of the cover please contact us. Please be aware this can incur an additional premium as well as an admin fee.
Yes, all claims or losses within the last 5 years need to be declared to us, failure to declare this could lead to your policy being invalid in the event of a claim.
Currently this is something we are unable to offer.
Yes, this is included with your policy.
Only if you have paid an additional premium for this cover and have been issued with a Home Emergency Schedule.
You would need to contact our claims helpline who will advise how to proceed with your claim. Please see your policy schedule for more information. Or see below:
You can update your details by calling us and speaking to one of our team who will be able to help on:
Simply contact our dedicated team on: 01708 564 147 or via: home@performancedirect.co.uk
The best number to reach us on is:
Our email address is home@performancedirect.co.uk
The home department is open between 8:30am - 7:30pm Monday to Friday and 9am - 1pm Saturday
Should you wish to make any amendments to the policy please contact us. Please be aware amendments can incur an additional premium as well as an admin fee.
Simply contact our dedicated team on:
01708 564 147 home@performancedirect.co.uk
Yes we have 3 different payment options available.
These are:
Yes depending on what payment method you choose, a deposit may be required.
We would be responsible for arranging the initial deposit or payment of full premium. If the policy has been selected to be paid by direct debits a finance provider called Premium Credit will collect the instalments.
We automatically renew each policy so there is no gap in cover. This is a failsafe to make sure your policy continues if you are not able to contact ourselves and is purely done for your benefit.
Auto renewal is a process that allows your policy to be automatically renewed from its expiry date for a further twelve months. Payment continues to be taken from the account details we hold meaning that there is no interruption in your insurance cover. Your renewal is based on the information we currently hold and the cover you have previously selected, including any optional covers. If any details have changed or you wish to make changes to your policy, please contact us.
The best contact number for ourselves is 01708 606 525
To ensure there is no interruption in insurance cover your policy is set up to automatically renew on the information we hold. If you do not want your policy to renew in this manner please contact us on 01708 564 147 before your renewal date.
For assistance with your business policy, please check the Frequently Asked Questions below to see if your query can be answered.
Select a topic
An Employers’ reference number (ERN) is a unique number given to businesses who are registered with HM Revenue and Customs as an employer. It is also known as an Employer PAYE reference. ERNs must be given to insurers/brokers so that the Employers Liability Tracing Office (ELTO) database can be kept up to date. The purpose of the ELTO database is to provide an efficient way of claimants and their representatives to track the relevant Employers’ Liability insurer in order to make a claim.
The formats for the ERN number are usually:
Simply call our dedicated business team on 01708 572 494 to speak to a member of our department or, if you prefer, please email us at business@performancedirect.co.uk where someone will respond to your request.
There may be several reasons why you require an extension of cover. The easiest way to clarify this would be to contact our business team using the information below:
Call us on: 01708 572 494
Email us on: business@performacedirect.co.uk
Public Liability insurance offers cover for businesses and contractors for claims made by third parties for injury, death or property damage as a result of negligence or a duty or care breach.
Public liability is an essential type of insurance for the majority of businesses. Although not a legal requirement, unlike Employers’ Liability for example, it provides peace of mind cover in the event that you or your business receive a claim from a third party for injury, death or property damage. Often Public Liability cover will be required by contract before work can be undertaken. Performance Direct can provide cover at competitive premiums for a wide variety of trades.
Employers liability offers cover for employers to meet the cost of compensation and damages resulting from injury, illness or death suffered by employees. The definition of an employee is quite wide; any person while working under direct control including labour only contractors, apprentices, work experience placements or any person under a contract of service.
Yes. Under the Employers Liability (Compulsory Insurance) Act 1969, employers’ are required by law to have cover in place for a minimum of £5 million.
Definition of a Bona Fide Subcontractor:
Bona fide sub-contractors are not employees but independent contractors, usually described as having insurance in their own name. ‘Own insurance’ however, is only one factor that distinguishes Bona Fide Sub Contractors and Labour Only Sub Contractors. Others include:
Yes there are three payment options available;
Please speak to our advisers to discuss your options further on 01708 572 494.
Policies are automatically renewed unless opted-out. In case of payment failure, our business team will contact you.
Yes, by at least 21 days in advance.
We endeavour to offer competitive quotations. In the event of a like for like quote being cheaper, we would try our utmost to match the alternate quote obtained.
By calling us so we can go through the process and discuss any refunds or outstanding balances to be paid. Please use the information below to get in touch:
Call Performance Direct for Business on: 01708 572 494 or email: business@performacedirect.co.uk
Cancellations are subject to the specific insurers’ return premium policy and an administration fee of up to £50. We try to be as flexible as possible depending on the individual circumstances.
Live Chat
The quickest way to get in touch is to try our live chat. We're here from 9am to 6pm, Monday to Friday and 9am to 5pm, Saturday. Click the green button on the bottom right of this page to start chatting. The button will display when an agent is available to help.
If you have a question regarding your insurance policy or would like to speak to a member of our Customer Service team click here to find the most appropriate way.
Our specialist claims handlers are available 24 hours a day. Click here to find out how to make a claim on your policy.
There may be several reasons why we have requested to see certain documentation. Click here to see how you can send your documents to us.
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