Your Insurance With Principal

If you have a question about your Principal policy or getting a policy started, check our FAQ to see if your question has been answered.

We also have an insurance FAQ if you’d like to know more about insurance in general.

If you can’t find an answer to your question, try our new live chat to talk to one of our dedicated staff online. Alternatively you can call us on 0330 024 0098 to talk to one of our friendly customer service team members.

Requested Documents

If you have any questions about the documents we have requested from you as part of the validation process please visit our validation FAQ page.


Can you cover my bike?

At Principal we pride ourselves in having a biking background. With many of our staff holding several years of experience in the bike insurance industry. We know that it can be a pain to ring round insurers to hear that they can’t insure your bike, so we’ve made sure we have a wide range of policies to cover a wide range of bikes. With cover available for modern, classic, custom, trike, mopeds, scooters and multi bikes. If you have a particularly unusual bike we may have to refer it to our underwriters who will assess the risk of your bike. But we will do everything that we can to try and get you the right cover.

Do you cover modifications?

Yes, we have policies that can cover custom and modified bikes. We know that with modified bikes you’ll want a policy that doesn’t just cover your bike but also all the parts that you have used to modify it into the bike it is. So we can arrange agreed value cover that will pay out the cost of your bike and its modifications should the worst happen.

Is there a limit on how many bikes I can cover with my multi bike insurance?

No. We have policies with no limit to how many bikes can be on the policy. Though some of our underwriters have limits on how many bikes you can put on a multi bike policy. If you’re taking out a new policy with us we’ll be able to provide you with cover for all of your bikes. If you already have a multi bike policy with us and want to add a bike to your policy we can add it, subject to the underwriters limitations. Though if they won’t cover the amount of bikes you want on your policy we may have to switch you to a different underwriter.

Please be aware though that it’s not always cheaper to take out a multi bike policy. So there may be occasions where we put your bikes on several different policies to save you money and provide you with our best quote.

Amending My Policy

Do I need to let you know when I change job/address/vehicle/other?

If circumstances that affect your policy change you need to let us know. This is so that we can make sure that you have the right cover to protect you and your vehicle. If you fail to let us know of a change in circumstances that affect your policy it can void your policy and result in the underwriters not paying out for a claim. If we’ve asked you a question whilst we’ve quoted you for your insurance premium and your answer has changed, let us know by calling our customer service team on 0330 024 0098.

How do I change my address/vehicle/details?

To amend your policy you’ll have to call our customer service line on 0330 024 0098 and speak to one of our dedicated customer service team members. They will run through the changes to your policy with you in our system to make sure that you continue to have the right cover that reflects your change in circumstances.

How will these changes affect my policy?

Depending on the change you’ve made to your policy you may find that it increases your premium. This will be due to your amendment increasing the risk associated with your policy. For example, when it comes to changing your address your new postcode may be rated differently to your existing one by our underwriters. If you move to a higher risk area your underwriter will require an increase in premium to reflect the increase in risk that comes from moving to this area. This can be similarly applied to other amendments such as changing your vehicle etc.

The increase in premium will only increase from the time of your amendment until the end of your policy.

Cover Abroad

What countries am I covered in?

The list of countries that you’re covered in is dependent upon the underwriter of your policy. You will find the list contained in the policy documents that you received when you first took out your policy. If you’re unsure about whether your vehicle is insured whilst abroad call our customer service team on 0330 024 0098.

How long am I covered for whilst abroad?

The length of time that you can stay abroad for whilst still covered by your insurance is dependent on your underwriter. The terms will be contained within your policy documents. If you’re unsure about the length of time that you’re covered for call our customer service team on 0330 024 0098.

Do I need to tell you that I am going abroad?

You don’t have to tell us if you’re going abroad, but we do recommend giving us a quick call to let us know. This is just to make sure that you’ll have cover for at your destination for the entire duration of your trip. To talk to us call our customer service team on 0330 024 0098.

Policy Documents

I’ve lost my policy documents, how do I get them back?

At Principal, we email out policy documents to our customers at the start of there policy. If you have misplaced your policy wordings but still hold your insurance documents you can find them here. If you’ve lost all of your insurance documents we can resend them to you if you contact with a request to get them resent to you.

I’ve not received my policy documents, where are they?

If you haven’t received your policy documents you may have received them but not to your inbox. Please check your spam or filtered folders to double check that your document haven’t been filtered. If your documents aren’t there then your email address may have been incorrectly inputted into our system. To rectify the situation please email our customer service team at to get one one of our team members to look into the issue for you.

Making a Claim

How do I make a claim?

If you need to make a claim you can call the Principal claim team on 0330 024 1376 and we will run through a claim form with you. Alternatively, if you’d prefer you can fill out the form on our claims page and we will get back to you.

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