We have listed below common queries customers ask about our Nationwide Car Insurance, provided by Liverpool Victoria Insurance Company Limited (LV=).

Does my car insurance cover me to use my car for business use? - This link is used to show and hide related content.

Social, domestic and pleasure use allows you to drive to one set place of work. This is automatically included in your car insurance policy unless stated otherwise. If you do need to use your car for business use, you will need to add extra cover onto your policy.

Are additional drivers on my car insurance policy insured to drive other cars? - This link is used to show and hide related content.

No, but depending on the level of cover chosen the policyholder may be able to drive other cars at third party cover (with owner’s permission).

When my car is in the garage for a service, does my car insurance cover me to drive the garage's courtesy car? - This link is used to show and hide related content.

Yes, you will have exactly the same cover on the courtesy car as you do on your own policy.

If I have a claim for windscreen damage, does it affect my No Claim Discount? - This link is used to show and hide related content.

No, windscreen claims do not affect your No Claim Discount.

What is accidental damage cover? - This link is used to show and hide related content.

Accidental damage is covered on comprehensive policies. This covers you for damage to your car as well as the third party's vehicle after an accident.

What is personal accident cover? - This link is used to show and hide related content.

Personal accident cover will pay out if you or your spouse / partner are accidentally injured in your car, and within 90 days, independently of any other cause, if the injury results in:

  • Death;
  • Permanent loss of any limb above the wrist or ankle; or
  • Complete and irrecoverable loss of sight in one or both eyes.

More information can be found in section 8 of the Document of car Insurance.

You can choose to increase your level of cover from £10,000 to £100,000 when you generate your quote.

What does S, D & P stand for? - This link is used to show and hide related content.

S, D & P stands for Social, Domestic and Pleasure. This covers you for normal day-to-day driving, such as using your car to go shopping or to visit family and friends and to drive to one set place of work.

Can I choose the level of car insurance cover I want? - This link is used to show and hide related content.

Yes. You can choose between Comprehensive car insurance, Third Party Fire and Theft or Third Party only car insurance. For cars which are under 6 years old and for policies in Northern Ireland cover is only available on a comprehensive basis. See the Summary of cover table for more information on the different levels of car insurance cover.

Does my windscreen excess cover the other glass on my car? - This link is used to show and hide related content.

Yes, all glass is covered by the windscreen excess including sunroofs and glass roofs.

Are child seats replaced after an accident? - This link is used to show and hide related content.

Yes, if you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, LV= will replace the child seat with a new one of the same quality, even if it doesn't appear to be damaged.

Do I have to show my car insurance certificate when I use my car abroad? - This link is used to show and hide related content.

When you take your car abroad the cover you have is shown on your insurance certificate so you must always take this with you.

Do I need a green card to take my car abroad? - This link is used to show and hide related content.

You only need a green card if you want to use your car in countries other than the ones listed on the back of your car insurance certificate.

What countries am I covered to drive in? - This link is used to show and hide related content.

Comprehensive and Third Party Fire & Theft policies automatically cover you in the following European countries:

Andorra, Austria, Belgium, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovak Republic, Slovenia, Spain, Sweden, Switzerland and Vatican State.

You can also be insured in the following countries on request: Albania, Morocco and Turkey.

You cannot be insured in the following countries: Belarus, Bosnia-Herzegovina, Iran, Israel, Macedonia, Moldova, Russia, Serbia, Montenegro, Tunisia and Ukraine.

If my car has an alarm, immobiliser or Tracker fitted, does it affect the price of my insurance policy? - This link is used to show and hide related content.

A discount is not provided for additional security at present.

Does my car insurance cover me to drive other vehicles? - This link is used to show and hide related content.

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner's permission). You will need to check this on your insurance policy documents.

How do I make a claim on my car insurance? - This link is used to show and hide related content.

To make a car insurance claim, call the LV= new claims on 0800 028 5799 and the consultant will give you further information of what to do. You can find more information about making a claim on your car insurance in the claims section.

How soon do I need to report an incident to the police? - This link is used to show and hide related content.

Inform the Police as soon as possible and at least within 24 hours if your car or its contents are stolen and provide LV= with the crime reference number.

Do I have to pay the excess towards a Third Party claim? - This link is used to show and hide related content.

No, you only need to pay the excess towards your own repairs.

Can I arrange for my own Courtesy Car? - This link is used to show and hide related content.

Yes, if you choose to arrange for your own car then you will be liable for the cost.

Am I entitled to a Courtesy Car? - This link is used to show and hide related content.

If you have a Comprehensive or Third Party Fire & Theft policy you are entitled to a guaranteed courtesy car subject to using a LV= recommended repairer. If you choose to arrange your own Courtesy Car then you will be liable for the cost. 

Can I use my own garage to repair my car? - This link is used to show and hide related content.

You can use your own choice of garage, however LV= cannot guarantee to provide a temporary replacement vehicle if you do not use one of their recommended repairers.

Are factory fitted options classed as modifications to my car? - This link is used to show and hide related content.

No factory fitted options are not classed as modifications. A modification is any change made after the car leaves the factory that alters the standard specification or the appearance of the car.

How do I add another driver to my car insurance policy? - This link is used to show and hide related content.

If you want to add another driver to your existing policy, please call LV= on 0800 028 5688 and they will be able to add the other driver to your car insurance policy. You will need the following information about the other driver:

  • Their name;
  • Date of birth;
  • Occupation;
  • Driving licence details; and
  • Their driving experience (such as any previous claims or motoring convictions).

A £15 administration fee may apply. Please check with the consultant when you call.

Acceptance of the additional driver is not guaranteed and your premium may increase or decrease as a result of the addition.

I have sold my car, how do I cancel my car insurance policy? - This link is used to show and hide related content.

If you need to cancel your insurance within 14 days of receiving your documents, we'll refund any money you've paid, less a charge for the cover you've had and a cancellation charge of £40 for setting up the policy. A charge won't be made if you cancel before your cover start date.

We'll send you the refund within 30 days of you telling us that you'd like to cancel.

If you need to cancel your policy more than 14 days after you receive your documents, and if you've not made a claim, we'll refund any money you've paid, less a charge for the cover you've had and a cancellation charge of £40. In all cases we need the certificate to be returned to us.

To cancel your policy, call LV= on 0800 028 5688.

Please see the policy summary for more details.

Does taking the Pass Plus test make any difference to my car insurance premium? - This link is used to show and hide related content.

LV= do not currently give a discount for the Pass Plus test.

How do I qualify for the Guaranteed No Claim Discount? - This link is used to show and hide related content.

The Guaranteed No Claim Discount is available if you are 21 years old or more and have built up at least 4 years No Claim Discount (this is subject to there being no outstanding claims).

I've changed my car, how do I transfer my existing car insurance to my new car? - This link is used to show and hide related content.

Call LV= on 0800 028 5688 and let them know the details of your new car. They will update your car insurance policy and send you a new Certificate of Insurance. A £15 administration fee may apply. Please check with the consultant when you call.

Your premium may increase or decrease as a result of the transfer.

What is a policy excess? - This link is used to show and hide related content.

An excess is the first portion of a claim which you are responsible to pay and is individual to each policy.

Do I have to pay the excess? - This link is used to show and hide related content.

If your schedule shows that you have to pay an excess, you must pay this in the event that you make a claim.

How do I claim my excess back? - This link is used to show and hide related content.

LV= would look to recover the excess if the accident is not your fault and they have the third party's details.

What is Nationwide's regulatory status? - This link is used to show and hide related content.

We’re an Intermediary. As we’re an “authorised person” with the Financial Conduct Authority (FCA), to carry out one or more regulated activities, our regulatory status is an Intermediary and Nationwide car insurance is provided by Liverpool Victoria Insurance Company Limited. 

When you apply for Nationwide car insurance we’ll provide you with information such as the products we offer, the service we’ll provide, fees and who regulates us. We’ll also provide details of our complaints process and advice on how the product may be covered under the Financial Services Compensation Scheme (FSCS). 

To ensure our product meets your needs, the level of cover can be customised, and certain options will only apply if you have selected them and they are shown on your schedule. Neither Nationwide nor LV= will provide you with any advice or recommendation as to whether this product meets your specific insurance requirement and you should review your insurance requirements on a regular basis. 

How do I apply? - This link is used to show and hide related content.

Applying couldn’t be easier. Get a quote online through the device of your choice. Alternatively, you can call 0800 756 8850 to speak to us. We’ll give you the option to receive your documents electronically, plus the choice to renew online.