Validating your policy
When taking out an insurance policy with Principal we validate your insurance policy to make sure that you have the right policy to protect you if you ever have to make a claim and reduce fraud on behalf of insurers. We will request some documentation from you within 14 days of the purchase of your policy. Failure to provide the required documents will invalidate your insurance policy and result in the cancellation of your policy.
To do this we ask you to send in a few documents to allow us to perform some routine checks. The documents we ask for vary depending upon your policy but can include: a picture of the front and back of your driving licence, a DVLA sharecode relating to your driving licence and proof of your no claims bonus. Please note that the relevant documents will be required for any named drivers on your policy, not just the main policyholder.
We ask that you do not send any originals, as we cannot be held responsible for any losses.
When do you validate my policy?
We ask you to send across your validation documents within 14 days of taking out your policy with Principal. If you call us to change some of the details of your policy we may ask for you to send some new documents across to confirm those changes.
What information do you need to validate my policy?
We require you to send a photograph of the front and back of your driving licence, the photograph must be clear enough to make out all the information on your licence as well as the photo of the licence holder.
Your DVLA share code gives us access to your online counterpart stating your entitlements and convictions. You may be aware that the DVLA no longer supply paper counterpart licences. You can now view your licence online.
Simply log in using your National Insurance number and Driving Licence number. You can then create your share code that we can use to access your licence and validate your policy.
For more information on creating a share code have a look at our Validations page.
If you are claiming a no claims bonus discount we require proof to be sent through to us. This needs to be a photocopy or photograph of a proof of no claims document from your previous insurer or a renewal document that your previous insurer has sent to you. We require this document to state your name and amount of years of no claims on a headed letter from your previous insurer.
If you have a named driver or rider on your Principal insurance policy we will also require the relevant information for them as well. This will include a copy of the front and back of their licence as well as their DVLA share code.
How do I get my requested documentation to Principal?
When you are ready to provide us with your requested items, you can either call or e-mail us.
Call: 0330 053 9580 ^
If you’d prefer to send your documents in by post please send to: Principal Insurance, Citygate 2, Cross Street, Sale, M33 7JR.
What happens if my information doesn’t match my policy?
At Principal we do everything in our power to make sure that you have the right level of cover to suit you. If the policy you’ve taken out with us doesn’t match with the documentation that you’ve sent through we will get in contact with you to change your policy to reflect the documentation that you’ve sent.
This might result in an extra charge if the level of cover has to be increased. If you’re not happy with your new price you can cancel your policy so long as it is in the 14 day cancellation period.
What happens if I don’t validate my policy?
If you have not validated your policy within the first 10 days, we reserve the right to cancel your policy. If you have paid for your insurance in full then we will refund your policy minus an administration fee and the cost of any of the months that you have held the policy for. If you are paying for your insurance monthly your usual monthly payments will cease but you may still owe money to cover your administration fees.
Principal endeavours to work with our customers to make sure that they remain insured and will often contact customers to give them 7 days to submit their validation documents before cancelling their policy. However, this is entirely at the discretion of Principal Insurance.
If you come up to renew your policy with Principal and have yet to validate we will ask for you to provide validation documents, including proof of no claims bonus, to validate your policy.
Who do I contact if I need more information?
If you are looking for information between 8:30am – 6:30pm Monday to Friday you can now use the Principal live chat service to ask any questions that you might have. Alternatively, you can call us on 0330 053 9580 ^
If you would like to ask a question outside of these hours please email CustomerService@principalinsurance.co.uk and one of the Principal customer service team will reply to your email as soon as possible.
^Calls to this number cost no more than a national rate call to an 01 or 02 number and must count towards any inclusive minutes in the same way as 01 and 02 calls.