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FAQs

HOW CAN WE HELP YOU

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

General

Do you cover modifications?

What is the difference between Third Party Only (TPO), Third Party Fire & Theft (TPFT) and Comprehensive insurance?

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

How do I change my address/vehicle/details?

How will address/vehicle/other changes affect my policy?

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

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

How do I make a personal insurance claim?

Why do you need a copy of my driving/motorcycle licence?

What is a “no claims bonus”?

How do I prove my no claims bonus (NCB) entitlement?

I’ve been off the road for a while. Why have I lost my no claims bonus?

If I make a claim will I lose all my no claims bonus?

How much discount on my insurance can I earn through a NCB?

I have made a non-fault claim but when I renewed my policy, my NCB was not applied to my premium. Why?

Can I transfer my no claims bonus to a new policy?

What is an excess?

What is excess protection insurance?

Can I insure my vehicle and put my son or daughter as the main driver or rider?

What happens if my information doesn't match my policy?

Validating A Policy

What do I need to validate my insurance policy?

When do you validate my policy?

What is "Share My Licence?"

How do I generate a code to share my driving licence with Principal?

How do I send my share code and documentation?

What information do you need to validate my policy?

How do I get my documentation to Principal?

What happens if my information doesn't match my policy?

What happens if I don't validate my policy?

Who do I contact if I need more information about validation

Making A Claim

How do I make a personal insurance claim?

How do I make a commercial insurance claim?

I have made a non-fault claim but when I renewed my policy, my NCB was not applied to my premium. Why?

Car

Do you cover modifications?

Can I transfer a no claims bonus earned on my car policy to a motorcycle policy?

Can I drive a motorhome on my car insurance?

Motorbike

Do you cover modifications?

Motorcycle Insurance: What is Driving Other Cycles (DOC)?

Can you arrange insurance for a heavily modified motorcycle?

Do I need commuting cover on my motorcycle?

Motorhome

Do you cover modifications?

Do I need insure a trailer towed by my motorhome?

Can I freeze my motorhome insurance when not using it?

Can other people drive my motorhome?

What types of motorhome insurance quotes are available?

What is the best motorhome insurance?

How do I get a cheap motorhome insurance quote?

Can I get a temporary motorhome insurance quote?

Can you park a motorhome on the street in the UK?

Multi-Bike

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

Journeying Abroad

Cover Abroad: Which countries am I covered in?

How long am I covered for whilst abroad?

What level of cover do I have whilst abroad?

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

Business

WE PREFER TO TALK

WHY CHOOSE PRINCIPAL INSURANCE?

Because we put our policyholders first, we now serve around 40,000 motorcyclists, motorists, classic car enthusiasts, van drivers, couriers, motorhome owners, homeowners and motor trade professionals nationally.

Whilst we embrace the latest quote and administration technologies, you might say we’re a bit old school.

That’s because we’d prefer to talk to you in order to get the best possible understanding of your needs. That then means we are properly equipped to seek out the best deal for you from our extensive panel of leading UK insurers.*

What’s more we are able to give motorbike insurance, car, van, motorhome, multi-vehicle, home and commercial insurance quotes.

Our impressive growth has been achieved not through multi-million pound marketing campaigns but by delivering old fashioned service.

That can mean finding you the lowest possible insurance quote from our panel of insurers or, if you need make a claim, ensuring that you have access to specialist assistance so that the process is as prompt and painless as possible.

We’re a company with personality, one that instead of demanding staff always follow stringent call scripts and call length targets, encourages them to chat so they can provide you with the highest quality of service.


An independent broker, we source the best quotes from the UK’s leading specialist insurers.
With no call length targets, our experts take the time to find you the best deal.
We’re here to help – with dedicated claims and customer service support.
Our quotes hotline open weekdays 9.00am-6.00pm and Saturdays 9am-1pm.

DON”T JUST TAKE OUR WORD

WHAT OUR CUSTOMERS SAY ABOUT US

Excellent, in every aspect , Effortless, swift and competitive insurance obtained for my campervan. Super service received by Ashley whom dealt with my call, so refreshing to deal with an agent with great communication skills. He was extremely polite , genuine and patient. A real credit to your company . Highly recommended.
Anna James
October 23, 2023
Very strait forward and no hidden costs at the end of the purchase. If they don’t increase their price for next year, I’ll use them again.
Peter Beby
October 14, 2023
Very professional and friendly service from Sam , made everything very clear and straightforward Follow up call with Taher also extremely good and query quickly and efficiently dealt with
John
October 19, 2023
Very professional approach by Joe who took my call. I was concerned over an email I’d had inviting me to click on a link. He understood and we sorted everything out. Good people for customer service which is sadly lacking these days by other companies. Will use Principal again. Thanks
Roger Saxon
October 13, 2023
Taz this guy was so helpful, kept me informed all the way through, even got my quote £300 cheaper than online. I feel like I should send him a gift card or something to say thank you. Best experience I’ve ever had getting insurance. Top man someone give a promotion!
Cash Jones
October 11, 2023
Very professional approach by Joe who took my call. I was concerned over an email I’d had inviting me to click on a link. He understood and we sorted everything out. Good people for customer service which is sadly lacking these days by other companies. Will use Principal again. Thanks
Neil Hatch
October 12, 2023
Excellent
1,355 Reviews
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0330 024 0087

For the best quote chat to our friendly and informed UK based call centre team