Frequently Asked Questions

Alterations

+Can I change the policy after the insurance has started?

Due to the short term nature of the cover we provide, no amendments can be made once the policy has been purchased.

+Can I add extra days to my policy?

Due to the short term nature of the cover we provide, no amendments can be made to the policy after the insurance has started. You can, however, purchase a new short term policy once your cover ends.

Cancellation

+Can I cancel my insurance policy?

CANCELLATION AND REFUND POLICY

Our refund policy is determined by the product purchased.

For GoShorty Short Term Car/Van Insurance:

You are entitled to cancel your policy at any time. Due to the short period nature of this policy there will be no refund of premium.

For GoShorty Learner:

Policies of less than one calendar month’s duration

You are entitled to cancel your policy at any time. Due to the short period nature of this policy there will be no refund of premium.

An administrative charge of no less than £25 will apply. If you cancel the policy after cover has commenced, you will not be entitled to a refund. Due to the short term nature of 1 to 28-day policies, there is no cooling-off period.

Policies of more than one calendar month’s duration

You are entitled to cancel your policy at any time. If you cancel within 14 days of your policy starting, or within 14 days of receiving your documents (whichever occurs later) you will, subject to no claims having been made by you, or claims made against you, receive a refund of premium less a charge for the days for which cover has been in force. A minimum administration charge of £25 will also apply.
If you cancel cover after those 14 days you will as per the terms of the policy, not be entitled to any refund of premium. Where the insurer pays us a commission any clawback due to them as a result of cancellation will be deducted from any refund due together with an administration charge of no less than £25.

Card payments

+How can I pay for the insurance policy?

Payments are processed by Worldpay on our behalf who use their own secure server.
We accept the following cards: VISA, VISA ELECTRON, MASTERCARD, MAESTRO

+My payment has not been accepted, what shall I do?

Try putting your details through again. If you continue to have a problem, please contact your card issuer for advice. For data protection reasons, your card issuer will not disclose to us the reason for a card being declined.

Claims

+How do I make a claim?

All claims must be reported directly to your Insurer within 24 hours of the incident occurring. Your Insurer’s contact information can be found in your policy documents. It is a condition of your insurance policy that all incidents are reported, even if you are not at fault or you decide you are not going to make a claim, so your interest can be protected in the event of any claim made against you.

+What should I do if I am involved in an accident?

All claims must be reported directly to your Insurer within 24 hours of the incident occurring. Your Insurer’s contact information can be found in your policy documents. It is a condition of your insurance policy that all incidents are reported, even if you are not at fault or you decide you are not going to make a claim, so your interest can be protected in the event of any claim made against you.

+How do I make a claim on my Motor Excess Protection Insurance policy?

If you have purchased Motor Excess Protection Insurance as an optional add-on extra, please refer to the policy wording issued to you. You have 30 days from the date of the incident to notify your Insurers of a claim.

Documents and receiving your documents

+How do I get my documents?

Your documents will be sent by email immediately after purchase to the email address that you provided on our online form. You can also view, print, and download your documents from our member's area once registered.

+Will I get documents in the post?

Policy documents are sent to the email address provided on the policy. If you would like the documents posted out to you, please send your request to info@goshorty.co.uk, quoting your policy number.

Driving licences

+What type of driver’s licenses do you accept?

We accept the full UK license and EU/EEA license for Car and Van Insurance and the UK provisional license for Learner Driver Insurance.

+How long do I need to have held a licence to get insurance cover?

For Car and Van Insurance you will need to have passed your driving test for a minimum period of 24 weeks and be in possession of a full UK or EU/EEA driving licence for the same period. If you are a learner driver, you will need a UK provisional licence.

Foreign use

+Can I buy insurance to export a vehicle outside of the UK?

No. Under the cover that our Insurers provide, all journeys must begin and end in the UK.

+Can I drive abroad with this insurance?

No. Under the cover that our Insurers provide, all journeys must begin and end in the UK.

Impounded vehicles

+Can I buy insurance to retrieve an impounded vehicle?

No. Our insurance cannot be used on vehicles that have been seized, impounded, or taken by the police.

Insurance cover

+Can I insure a car that does not belong to me?

Yes! In all cases we require that you have the owner’s permission to use the vehicle before purchasing a policy.

+Can I insure a vehicle without the registration number?

No. You cannot buy insurance without a UK registration number.

+Can I buy cover for dates in the past?

No. It is not possible to backdate insurance cover.

MID (Motor Insurance Database)

+When will my vehicle appear on the MID listing?

Once you have purchased a policy from us, your insurance details will be passed to the Motor Insurance Database (MID). They are passed within the timescales required by the MID, but due to the short term nature of these types of insurance, it is possible your policy may have expired before the details are loaded to the database. We always recommend that you print your Insurance Certificate and have this with you as this remains valid proof of your insurance and legal entitlement to drive the vehicle.

Vehicle usage

+What can I use my vehicle for?

We provide cover for you to use your vehicle for social, domestic and pleasure purposes, commuting to and from a permanent place of work, and personal business use only.

Vehicles

+Do you insure left-hand drive vehicles?

No, sorry, we don’t cover this type of vehicle.

+Do you insure campervans, caravanettes or motorhomes?

No, sorry, we don’t cover these types of vehicle.

+Do you insure horseboxes?

No, sorry, we don’t cover this type of vehicle.

+Do you insure minibuses?

We cannot provide insurance cover for vehicles with more than 8 seats, including the driver.

+Do you insure lorries?

We offer cover on light commercial vehicles up to 3,500kg GVW.

+Do you insure modified vehicles?

Vehicles fitted with manufacturer-specified optional extras that are fitted at the time of manufacture are acceptable. Vehicles modified to cater for a disabled driver, or a disabled passenger are acceptable. All other modifications (cosmetic or performance related) are not acceptable.

+Can I buy road tax with my GoShorty insurance?

The DVLA and most UK Post Offices will accept insurance certificates which have been downloaded from the Internet for road fund licence purposes.

+Can I drive other vehicles?

No. The only vehicle you will be covered to drive is the one on your policy, but you can purchase another policy from us if you need cover on another vehicle.

+Does your insurance cover towing?

Yes. The item being towed is covered for any damage that it may cause whilst it is attached to the vehicle. There is no cover for the actual boat/caravan/trailer.