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0333 003 3270 0800 298 2190

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0800 298 2190

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Call from a mobile:
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Can I Make Changes To My Policy?

Yes, you can make changes to your car insurance policy at any point. The process is very easy and requires only a few minutes over the phone. To make changes to your policy today, simply call one of our friendly advisors on 0333 003 3270. All calls are free from UK mobiles.

What Changes Can I Make To My Policy?

It is common to make changes to your policy for the following reasons:

  • New vehicle
  • New payment details
  • Additional drivers
  • Car modifications
  • Changing your name
  • New address
  • Classes of Use
  • Increase/decrease level of cover
  • Increase/decrease level of excess cover

What Information Do I Need To Make Changes To My Policy

Please make sure that you have your reference number available when speaking to us about changing your policy.

The main policyholder is the only one that can make changes to their account unless they give permission for someone else to do so i.e parent or spouse. This is to be compliant with the Data Protection Act 1998.

It is for this reason that the only available method to make changes to your policy is by confirmation over the phone. If you prefer, you can request a call back and one our team members will get in touch with you as soon as possible.

How Long Does It Take For Changes To Go Through?

Changes made to your policy can be processed and made active immediately after speaking to you. The only exception is if the insurer needs the case to be referred meaning the details are sent to our technical team who contact the insurer to discuss the particulars of the change.

If you are making changes to a direct debit payment date, this may require a few days to process depending on what day the payment lands on. We therefore recommend calling us at least 7 days before a payment is due to avoid confusion.

What Changes Can Increase The Cost Of My Premium?

There are various changes that could cause your premium to increase and these include:

Upgrading your vehicle – purchasing a vehicle with a higher car insurance group rating may cause your premium to increase. Higher rated cars tend to have bigger engines, higher specs and are more costly to repair and replace, hence they are more to insure. For example, upgrading a Fiat Punto to a Range Rover would increase cost of your insurance.

Modifications - if you have added modifications to your vehicle including engine tuning, spoilers or a new paint job, this may raise the cost of your premium as you may be more likely to be involved in an accident or your car is more attractive to thieves.

Upgrading your cover – if you have third party only cover and are looking to upgrade to fully comprehensive cover, this will increase the cost of your insurance. It is common to get more cover if you are doing a lot of mileage and having a fully comprehensive policy will allow you to make claims for any damages and repairs to your vehicle in the event of accidents, fire, flood and theft. By comparison, if you are doing less mileage, you can always decide to downgrade your cover and this will cost you less.

Your address – if you have moved to a different area with increased crime rates, busy roads, hazards or adverse weather conditions, this may increase the cost of your insurance as there is a greater risk of being involved in an accident.

Classes of Use – this refers to the purpose of your car insurance. If you have previously used your vehicle for social and domestic use, you will need to tell us if you want to start using your car for business purposes too, otherwise your claims may not be approved.

Additional drivers – it is common to put additional drivers or named drivers on your policy including family members and friends. However, adding a number of young drivers to your insurance policy may increase the cost of your premium as your car may be at a greater risk on the roads.

At Call Wiser, you are allowed to have up to 5 additional drivers placed on your policy. If you wish to have more than 5 drivers, this will need to be referred to our insurers who will come back with a new quotation.

If the changes you make to your policy result in an additional cost, we can either accept a full card payment or spread the additional costs over the customer’s remaining instalments. The policyholder will require at least 3 instalments remaining to use this facility.

Getting A Policy To Suit Your Needs

At Call Wiser, we are committed to making sure that you have a policy to suit your needs. So for whatever changes you wish to make to your car insurance policy, we will ensure that the costs are limited and the process is as smooth as possible.

We believe it is better to talk. By speaking on the phone, we can find out exactly what you want and find the best policy and terms to suit your requirements.

We have an experienced team of insurance advisors based in our head offices in Andover, Hampshire. So for any queries or questions, call us today on 0333 003 3270.

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Call us to make changes to your policy 0333 003 3270


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