Frequently Asked Questions

Alterations

+Can I change the name of a driver on my insurance?

Sorry no. We are unable to make any alterations to your insurance policy once payment has been authorised. Make sure that you enter the correct details when you purchase a policy.

+Can I change the insurance cover to another vehicle?

No. It is not possible to make any alterations to your insurance policy once a payment has been authorised. Ensure that you list the correct vehicle and registration when you set up the policy.

+Is it possible to make any changes after cover has been purchased?

Sorry no, once payment has been authorised, you are unable to make any changes or alterations to the information you have originally provided to purchase the insurance policy.

+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 on the telephone number found on your documents within 24 hours of the incident occurring. It is a condition of your insurance policy that all incidents are reported, even if you are not at fault or decide you are not going to make a claim so they can protect your interest from 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

+What if I haven’t received my email with the documents?

Providing you entered your email address correctly; you will receive an email from us. If you do not receive a confirmation e-mail from us within the hour, please check your spam or junk mail folders. If you have still not received your documents, get in contact with us to request they are sent again.

+I have given you the wrong email address, what can I do?

Please send us an email to request duplicate documents to be sent to the correct email address. You will need to state your vehicle registration number, date of birth and postcode for verification purposes.

+How do I know if my insurance cover has been accepted?

Once you’ve entered your payment details, the “payment confirmation” page will be displayed after your payment has been authorised by your card company. This page is confirmation of your cover and will display your policy details. Your policy documents, including your certificate of insurance can be printed from the email you will have received.

+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.

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.

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 you get temporary car insurance?

Temporary car insurance is a cost-effective way to insure yourself to drive a vehicle for a short period of time. By using temporary cover you'll only pay for the what you need, offering full flexibility.

+Can I get temporary car insurance?

Most drivers are eligible to get temporary car insurance. Get a quote today to make sure that you are eligible for temporary car insurance with GoShorty.

+Can I insure my car for 1 day

Yes - we insure cars for one day. At GoShorty, we offer insurance to vehicles for between 1 hour and 28 days.

+Is temporary insurance fully comp?

Yes - our temporary car insurance, van insurance and learner insurance policies are all fully comprehensive policies.

+Can I insure my car for one month only?

You can insure your car for 28 days with GoShorty. This is the maximum length of time that we can insure a car for.

+Can I get hourly car insurance

You can insure your car for as little as 1 hour with GoShorty. However, you have to decide how long you want to insure your car for before you buy the policy. You cannot insure your vehicle on a rolling hourly rate.

+How much does temporary car insurance cost?

Temporary car insurance can vary in cost. This depends all the usual insurance factors. These can include the insurance grouping of your vehicle, the address it is kept at, your driving history and others.

+Can I get temporary car insurance on a friend's car?

Yes - you can buy temporary car insurance on a car that you do not own. This is often more cost effective than insuring yourself on a car that you do own.

+Can you get temporary car insurance for 17 year olds?

We offer temporary car insurance for drivers aged 18 to 75. For younger drivers, we offer learner insurance from 17 to 25.

+How much is one week car insurance

The price of one week car insurance can vary according to the usual insurance factors. These can include your car's insurance grouping, where you live, what your job is, your points history and others.

+How much is one day car insurance

The price of one day car insurance can vary between different people and cars. This depends on various factors. These can be the value of the car, where you keep it, what you do for a job and others;

+How to get car insurance for one day

GoShorty makes it easy to get Temporary Car Insurance. We offer short term insurance that lasts for between 1 hour and 28 days.

+Why do you ask me for my driving licence number?

We check the identity of the person applying for temporary motor insurance cover and their driving history with the DVLA it is also a mandatory condition that any diver has a valid driving license. You must make sure that you fit our insurers acceptance criteria regarding endorsements and convictions. Please check that you meet this criteria here- https://goshorty.co.uk/assumption-eligibility-criteria

+Can I get cover for my practical driving test?

Yes, subject to meeting the assumptions and eligibility criteria for each insurer. Different underwriters have different criteria - so make sure that you are eligible for your insurer.

+Can I get a quote over the telephone or by email us?

Sorry no, we are an internet-based company, and all quotes need to be carried out on our website. Our underwriters do not offer these sort of policies over the phone.

+Why can’t I get a quote?

If after submitting your application you have not been offered a quote by any of our insurers this may be due to a combination of factors such as your age, the duration that you’ve held your licence and the vehicle you want to insure. It may be that one or all these factors do not meet our insurers acceptance criteria and unfortunately, we cannot change the outcome of this for you. Do pop back again in the future; we constantly review and improve our acceptance criteria and work hard with our insurers to provide quotes for our customers.

+Can I insure my SORN vehicle?

As long as your vehicle is in a roadworthy condition, and you either have tax or will tax the vehicle with our insurance certificate, we can allow insurance for this purpose. The vehicle must have a current MOT or you must have a pre-booked MOT appointment to attend whilst insured with us in order for the insurance to be valid (please check our insurers criteria before purchasing).

+Why won’t you accept my licence number

When purchasing a policy, you’ll be asked to provide your licence number. If you’re getting a message that states the information does not match or isn’t valid, you’ll need to follow these steps:
Check your licence is UK registered (Northern Ireland and Isle of Man have a different format, and we may need to take extra details from you).
Check your first, middle and last name are spelt correctly, and you haven’t used a nickname or different name on the licence itself
Check your date of birth is entered correctly
Check that the licence number you’re giving belongs to the driver you’re insuring
Check that you’re not accidentally entering a number instead of a letter, for example, “0” not “O”
If you still need help feel free to contact us.

+Can you get learner insurance on your own car?

Yes, you can get learner insurance for between 1 hour and 28 days. This can be on your car, or on a car that someone else owns.

+Can I learn to drive in someone else's car?

It is possible to learn to drive in someone else's car. You need to be insured. You also need a provisional license, a driver with a license to supervise you and the appropriate plates for your country. These are L in England & Scotland, with the option of D in Wales.

+What is a supervising driver?

A supervisor needs to behave as though they are in charge of the vehicle, including no mobile, no alcohol and clear view at all times. A supervisor needs to be 25+; have had a full UK driving licence for a min of 3 years; be qualified to drive car you're driving; sit in front passenger seat.

+Do learner drivers need car insurance?

Yes, there are a few options- added to an existing policy as a named driver, own annual policy on own car, or short term insurance on either your own car or someone else's.

+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.

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

Yes - you can insure a car that does not belong to you. 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. Insurance can only cover from the present to the future.

+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.

MID (Motor Insurance Database)

+When will your details appear on the Motor Insurance Database (MID)?

We update the MID (Motor Insurance Database) database as quickly as possible after you purchase a policy. Please be advised that MID only updates Monday – Friday. If a policy is purchased, for example, on a Saturday, the policy will not show until the following working week. It is possible with short term insurance that your policy may have expired before the details appear on askMID. During the working week this normally takes around 72Hours to appear. Even if your details are not yet showing on the MID your policy is still valid, being on MID is not proof of cover your policy certificate and associated documents are. We always recommend that you print your Insurance Certificate and Schedule and have this with you - as this remains valid proof of your insurance and legal entitlement to drive the vehicle.

+What to do if you get stopped by the Police?

If you're stopped, and your insurance isn't showing on MID, you don't need to worry. It is not a legal requirement to show up on askMID. From the moment you buy cover from us, your insurance is valid at your selected dates and times. Your policy documents are your proof of cover - show them to the police officer, and you will have proved your insurance.

+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 Van for with a GoShorty policy?

With our van policies, it will depend on the usage you select, but as standard, you will be covered for social, domestic and pleasure use including to and from various places of work and for the carriage of your own goods in connection with your business. Please be aware, there is no cover for any goods carried in or on the vehicle, so you’ll need to find a separate policy with another provider to cover those goods (Please check our insurer criteria before purchasing)

+What types of work can I use my van for with a GoShorty policy?

There are some types of work that we can permit under our temporary van insurance policies, and some that we cannot.
Types of work we can generally permit under our policies:

Tradesman/Tradeswoman

Office Worker

Dog Walker

Types of work we cannot permit under our policies:

Taxi use or commercial travelling of any kind

Hire & Reward

Use in connection with the Motor trade

Use to carry hazardous or dangerous goods


Please check here for full details - https://goshorty.co.uk/assumption-eligibility-criteria

+Does a learner need car insurance?

Yes, a learner driver needs car insurance to be able to drive. They can either be put on an existing policy as a named driver, or they will need to get an insurance policy that covers them specifically.

+Can you insure a car with a provisional licence?

Yes, but you need to have a supervising driver with you. A supervising driver needs to be aged 25 or older, and must hold a current, full UK driving licence which was issued at least 3 years ago.

+Can I drive abroad with this insurance?

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

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. We only offer cover to cars and vans.

+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.