Save more than just money on your car insurance – help the environment at no extra cost
The Green Insurance Company is for drivers who want to save more than just money.
Some of the benefits included as standard are:
- 100% offset of your car's emissions
- Up to a further 5% low emission discount if you drive a greener car and/or do lower mileage
- Guaranteed courtesy car with comprehensive policies*
- 24 hour accident and windscreen claims line
- Insure with a company who is environmentally responsible
- 5% of our profits are donated to charity – helping others
- Special offers and discounts throughout the year
- Legal expenses are optional
We are making it easy for you to go green whilst providing you with competitive rates and quality car insurance.
Get a quote now and take advantage of our
Online discount - up to 26%.
*Provided an approved repairer is used, a courtesy vehicle will be provided while your vehicle is being repaired by them.
Optional Extras
As well as car insurance, you can choose from the following six optional extras to enhance your cover.- Green-Assist Breakdown Cover
- Keep motoring replacement hire car
- Personal accident
- Payment protection
Terms and conditions apply to all of the products mentioned here. We will of course give full details when you buy, but you can also look at the policy wordings by clicking here.
Green-Assist Breakdown Recovery
Green-Assist offers you great value breakdown cover. You can choose between our Roadside or Recovery package, the table below shows the main differences between each product.
To make it that bit greener, we offset the emissions of any recovery vehicles that are used when providing assistance for our customers.
| Service | Green-Assist Roadside | Green-Assist Recovery |
|---|---|---|
| Roadside Repairs |  |
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| Vehicle Recovery - Local (Within 20 miles) |
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| Home start |  |
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| Vehicle Recovery - to intended destination | |
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With Green-Assist you can expect:
- Over 5,000 qualified mechanics on a nationwide basis, all available 24 hours a day, 365 days a year
- Female driver priority – lone females and/or with children will receive priority from the breakdown service
- Recovery for a caravan or trailer if you are towing it.
- Cover for the car not the driver, so anyone using your car will be covered.
- £10 cashback – if a mechanic is not there within 1 hour we will give you £10 cashback – it’s our way of saying sorry
- An emergency message service is available for you to inform friends, family or associates that a problem has arisen (limited to 2 messages)
- Optional European Cover at a competitive price.
To buy or for more information, please call us on 0845 272 7604.
Keep motoring replacement hire car
Keep motoring would be best described as an extended courtesy car product. You may not be aware but most insurance policies only provide a courtesy car if you have comprehensive cover and only if the car is repairable.
If you purchase Keep motoring, you will receive an equivalent hire car for up to 14 days following a total loss or a theft or attempted theft claim, which results in your car being undriveable. Our standard courtesy car doesn’t cover these situations.
Even if you only have third party or third party fire & theft insurance where no courtesy car is included, you can buy Keep Motoring.
To buy Keep Motoring you must be aged between 18 and 78 and hold a full UK driving licence.
Personal accident
It's never something that we want to think about but accidents happen, particularly road accidents. What would happen if you or one of your passengers suffered a serious injury – how would you cope financially? Personal Accident cover quite simply pays out a lump sum of cash up to £30,000 for death or bodily injury caused by a road traffic accident.
Some limited cover is included with our motor policy but the table below compares the cover that you get.
| Covered | Standard Cover within our motor policy | Personal Accident |
|---|---|---|
Death |
£2,500 |
£30,000 |
Total loss of one or both hands or feet |
£1,500 |
£30,000 |
Permanent total blindness in one or both eyes |
£1,500 |
£30,000 |
Permanent total loss of hearing in one ear |
Not covered |
£7,500 |
Permanent total loss of hearing in both ears |
Not covered |
£30,000 |
If you take the Personal Accident policy, both the standard cover and the increased cover apply, for example, If you lost a foot due to an accident, you can claim £1,500 from your motor insurer and a further £30,000 from the Personal Accident cover. Giving you a total of £31,500 compensation.
You must be aged under 81 to purchase Personal Accident.
Payment protection
If you pay your insurance by instalments, then you may be interested in payment protection. It will pay your monthly insurance instalments if you are unable to work due to accident, sickness or redundancy. Please note redundancy is not covered in the first 90 days of the policy starting.
We all think it will never happen to us but how many people do you know that it has already happened to. Were they protected or did they leave it to chance? For a small amount paid monthly, you can rest easy knowing that if the worst was to happen, then you will still be able to pay for your car insurance.
To purchase Payment Protection:
- you must pay by instalments
- be aged between 18 and 63
- be in full time continuous employment for the last 6 months working more than 16 hours per week
What we cover
There are two different levels of car insurance cover for you to choose from:
policy benefits you will receive with our cover
Comprehensive Insurance Cover (comp)
This covers you and your vehicle for any accident whether it was your fault or not. So if the worst happens, you can relax, knowing you are fully covered for:
- Damage to your car caused in an accident
- Loss of or damage to your car caused by fire, theft or vandalism
- Repair or replacement of broken glass in your car
- Damage to vehicles or property belonging to other people
- Injury to other people
Third party fire and theft (TPF&T)
This covers you and your vehicle if it is stolen or bursts into flames. If you are in an accident and it's your fault, you are covered for injury to third parties and damage to their car or property.
Policy benefits
The table below shows the main benefits that we offer under each type of cover. In addition, we also offer other green benefits such as 100% carbon offset of your car’s emissions at no extra cost. Hence why we are called green insurance. Terms and conditions apply to all of the benefits listed and full details can be found in the policy booklet.
Policy Benefits |
Cover Limit |
COMP |
TPFT |
| Accidental damage cover | Market value |
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| Accident – emergency accommodation | Up to £50 per person (max £250) if you cannot get home |
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| Theft of audio equipment | Unlimited if your cover is comprehensive and fitted as standard. If Third Party Fire & theft or not fitted as standard, cover is limited to £300. |
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| Fire & theft damage cover | Market value |
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| Third party liability cover including whilst towing | £20,000,000 for third party property damage claims. |
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| Glass cover | Unlimited cover if you use an approved windscreen repairer subject to a £60 excess. Otherwise, a limit of £100 applies after taking off the £60 excess. |
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| New vehicle replacement | Must be registered by policyholder as new and the car is less than 12 months old. |
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| Personal belongings cover | A limit of £100 applies. |
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| Medical expenses | £100 per passenger |
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| Personal accident cover | A limit of £2,500 per person applies in the event of death. A limit of £1,500 applies in the event of loss of limb or blindness. |
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| Free foreign use | 90 days cover for countries in EU |
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| Guaranteed courtesy vehicle | Provided an approved repairer is used, a courtesy vehicle will be provided while your vehicle is being repaired by them. |
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| Accident repairs | Pick up and return of vehicle. 3 years guarantee on repairs. Vehicle cleaned and tidied. |
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Policy documents
Dependent upon the products that you have purchased, we recommend that you read the policy documents for the products you’ve bought. You may have some questions as a result, and it’s important that you are happy with the insurance cover you’ve bought. All of our policy booklets are shown here, you should check the letter that we sent you if you are unsure of what products you have purchased.
Our policy booklets are in Adobe Acrobat format - you will need adobe acrobat reader to view it. These policy books are valid for policies bought on or after 01/08/2007 (unless stated otherwise).
Car Insurance Policy Booklet- Payment Protection Policy Booklet
- Keep Motoring Policy Booklet
- Green Assist Breakdown Roadside Policy Booklet
- Green Assist Breakdown Recovery Policy Booklet
- Personal Accident Policy Booklet
Terms of Business
To get adobe acrobat, click the link below:
Frequently asked questions
We have listed some of the most common questions that we get asked below. You may also find the answer you are looking for in one of the more specific sections e.g. Making a claim.
If you can’t find you’re the answer to your question – don’t worry just give us a call on 0845 272 7603 and one of our consultants will do their very best to help you.
- Can I get immediate cover?
- Your system does not recognise the make and model of my car - what should I do?
- Does my policy cover me to drive abroad?
- Does my policy cover me to drive other cars?
- When will I receive my insurance documents?
- What does No Claims Bonus stand for?
- What is an excess?
- Will you insure my car if it has modifications?
- Can you provide insurance for my vehicle if it has been imported?
- Will I be supplied with a courtesy car while my car is being repaired?
- I've been a named driver on someone else’s policy for a few years - does that entitle me to a no claims discount if I start my own?
- Can I pay by instalments?
- Do the years I've spent driving a company car count towards my no claims discount?
- How do I make changes to my policy?
- Will you cover the car I've been lent by a garage?
- What if I lose my certificate?
- Why can't I get a quote from your interactive quote service?
- Do I need to be the registered owner of the car?
- How do I renew my policy?
- Do you sell classic car insurance?
Answers:
Can I get immediate cover?
As long as you have a credit or debit card, we can issue you with immediate cover. Terms and conditions apply. If you want immediate cover please call 0845 272 7604 where one of our team will be happy to help.
Your system does not recognise the make and model of my car. What should I do?
Sometimes we are unable to identify the make and model of your car just from the registration number. When this happens, select no to the question ‘Do you know the registration number of the vehicle you would like to insure?’ and leave the registration field blank. You will then be asked to search for your car’s make and model manually. Once you have done this, the system will display a list of vehicle models. You should select the correct model of your vehicle from this list. If you are unable to find the exact car details, please call us on 0845 272 7604.
Does my policy cover me to drive abroad?
Yes, full policy cover is given for 90 days a year in the European Union. But please call us so we can check this for you or refer to your policy booklet before you travel.
Does my policy cover me to drive other cars?
Yes provided you are over 25 years old and you do NOT work in the motor trade, for example, mechanics, chauffeurs, driving instructors etc. It is shown on the final quote screen along with your premium.
Driving other cars applies to the policyholder ONLY and allows them to drive other cars but no motorcycles on Third Party cover ONLY. Further terms and conditions apply which you should refer to the policy book or contact us.
When will I receive my insurance documents?
We send all our documents by 1st class post and we try to get these to you as soon as possible. You should allow a maximum of 5 working days for any documentation to reach you. If it has not arrived after this time, please contact us.
What does No Claims Bonus mean?
No Claims Bonus represents the number of years you have held a policy without making a claim or having a claim made against you. Any No Claim Bonus that you have earned can only be used on one policy at a time.
What is an excess?
An excess is the part of a claim that you will have to pay.
Will you insure my car if it has modifications?
It depends. We don’t currently quote for modified cars online, but we may be able to give you a quote if you call us on 0845 272 7604.
Can you insure my vehicle if it has been imported?
Yes, as long as the car has been built to the UK specification and is available to buy in the UK market. If your car has been imported, please call us on 0845 272 7604 and we will check if cover can be provided.
Will I be supplied with a courtesy car while my car is being repaired?
If you have Comprehensive cover, you are entitled to a guaranteed courtesy car for the duration of repairs to your own car provided it is as a result of a claim and you have used one of our approved repairers.
I've been a named driver on someone else’s policy for a few years - does that entitle me to a no claims discount if I start my own?
You may be eligible for an introductory discount, please call for a quote on 0845 272 7604.
Can I pay by instalments?
Certainly, you can either pay by direct debit from your bank account or by our payment card plan. You will be required to pay an initial deposit usually by credit or debit card. You must be 18 or over to pay by instalments.
Do the years I've spent driving a company car count towards my no claims discount?
You may be eligible for an introductory discount, please call for a quote on 0845 272 7604.
How do I make changes to my policy?
Please contact our Customer Service department on 0845 272 7603 where one of our team will be pleased to help you.
Will you cover the car I've been lent by a garage?
We will cover any courtesy or hire car as long as it has not been insured by the garage or hire company. An additional charge will apply. Please contact our Customer Service department on 0845 272 7603 to arrange cover.
What if I lose my certificate?
We can replace your Certificate of Motor Insurance for a small charge. To get a replacement certificate, just call us on 0845 272 7603.
Why can't I get a quote from your interactive quote service?
If you are experiencing problems with our on-line service it could be for a number of reasons. If you are using Netscape navigator or any Apple Mac browser, you may face difficulties. Switching to Internet Explorer 5.5 or upwards should remedy your problems. However, if you still experience problems please call us on 0845 272 7604 and we can give you a quote over the phone.
Do I need to be the registered owner of the car?
In addition to the policyholder the following can be accepted as the registered owner/keeper:
- Spouse
- Common Law Spouse
- Company
- Company lease (12 months or greater)
- Finance Company
- Leasing agreement (12 months or greater)
- Local Council Finance Scheme – provided vehicle is being bought by the policyholder.
You must tell us when you are buying a policy who is the registered owner.
How do I renew my policy?
Please contact us on 0845 272 7609 where one of our team will be happy to help.
Do you sell classic car insurance?
No, sorry we don’t sell that type of insurance. With our policy, the most that will be paid out is the market value of your car (provided the damage is covered by the policy).
Classic car insurance is a specialist policy where the value of the car is agreed before the policy starts. It’s suits older cars (usually more than 20 years old) that are driven less than 3000 miles a year.
Important information
- Disclosing the Full Facts
- Terms and Conditions
- Law Applicable
- Keeping Us Informed
- When Cover Begins & When it Ends
- Renewals
- How to Cancel
- Our Charges
- If You Have a Complaint
- Policy Wording
- Data Protection
- If you buy a policy from us
Disclosing the Full Facts
If you don't disclose all material facts, for example, facts that may affect your premium or whether we would offer you cover, your insurance could be invalid and may not cover you in the event of a claim. In particular you should tell us about any motoring convictions or incidents (whether your fault or not, and whether you claimed or not).
It is an offence to make false statements or withhold information to obtain motor insurance.
Terms and Conditions
All policies are subject to qualifying criteria, terms and conditions, details of which will be discussed when you call. We can only offer policies to residents of the British Isles including Northern Ireland, the Channel Islands and the Isle of Man.
Law Applicable
Policy documents show the law that applies to each contract of insurance. This depends on the type of insurance you buy, and which insurer underwrites it. Generally, it will be English law. If you would like confirmation of this, please ask us before buying.
Keeping Us Informed
Once you buy your insurance, you have a duty to keep us informed of any changes to your circumstances. Note especially that you must call us before you change your car or if you move address. If you don't keep us informed of any changes, your insurance could be invalid and not cover you in the event of a claim.
When Cover Begins & When it Ends
Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun. The policies we sell are annual policies, which end one year after the start date of cover (unless cancelled before then). We will tell you how long the policy lasts before you buy, and your policy documents will show this information too.
Renewals
If you pay your insurance by any of the following methods we will automatically renew your insurance policies (unless you tell us otherwise).
Annually by credit or debit card
Monthly by credit or debit card, or
Monthly by direct debit instalments.
This includes any additional policies, such as breakdown cover, personal accident, keep motoring and payment protection cover. We will write to you before the policy renewal date to remind you of this and to let you know what the revised payments will be.
How to Cancel
If after buying a policy from us, you decide to cancel it, please call us. In most cases we will be able to take your instruction over the phone. Alternatively, you may write to us. Your policy documents will show the full cancellation procedure. For motor insurance, you will need to return the certificate of motor insurance to us within 7 days of the cancellation date.
Our Charges
The following charges apply in addition to any additional or return premium calculated by your insurer. For further details, please refer to your policy document, or call us.
Policy Type
Motor Insurance
When you buy a new policy
No charge
In the event of cancellation
£15 if cancelled within 14 days of receiving your documents. If you (or we) cancel your policy after the 14 day period, we will keep £50 or our commission whichever is the greater.
For arranging legal expenses cover
£30
For any adjustment to your policy
£12.50
For any overdue or missed payments
£12.50
If you change payment method from direct debit to payment in full
£12.50
Request for duplicate documents
£5.00
When you renew your policy
No charge
If you pay your insurance by direct debit, an interest charge will apply. The interest charge will be explained to you before you buy.
If You Have a Complaint
We and Fortis Insurance aim to provide a high quality service at all times. If we, or Fortis, let you down, please tell us and we will do our utmost to resolve the issue as quickly and fairly as possible.
To make a complaint, please follow the procedure shown in the diagram below.
Is your complaint about
How your claim has been handled
... a matter other than a claim
Contact your claim handler. You will find their name and number on any correspondence they have sent you
Contact our customer service team, please call our complaints line on
0845 272 7300
Write to us at
Chief Executive, Fortis Insurance Limited, Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA
Or e-mail us through our website at www.fortisinsurance.co.uk
Write to us at
Managing Director,
The Green Insurance Company,
PO Box 10078,
Glasgow G71 9BG
or e-mail us at complain@greeninsurance-
company.co.uk
If you are not satisfied with our final decision contact
The
Financial Ombudsman Service
south quay plaza,
183 marsh wall, london E14 9SR
telephone 0845 080 1800
web address www.financial-ombudsman.org.uk
You must do this within 6 months of receiving the final response from us or Fortis.
Our aim is to resolve all complaints within 24 hours of receipt. If this is not possible, we will acknowledge your complaint within a maximum of 5 working days and send you our final written response within a maximum of 20 working days.
The Ombudsman will require a completed form, which can be accessed via their website. Alternatively, they can help you complete the form by taking your details over the phone.
Making a complaint of referral to the Ombudsman does not affect your right to take legal action.
Policy Wording
View our current Policy Book, valid for policies bought on or after 01/08/2007. If you bought a policy from us before then, please call us to check the exact version of our policy book that applies to you.
Data Protection
For your protection and ours, and to ensure our high standards are maintained, we may record or monitor your call.
If you provide information to us, either via our website or over the phone, we will use this information to allow us to service any policy you buy from us, and for statistical and administration purposes.
So we can tell you about our range of financial products and special offers which could save you money, we will contact you in future, and may share your contact details with other carefully selected companies as well as other companies within the Kwik-Fit Group. From time to time we may pass customer information to an external agency to carry out a customer satisfaction survey on our behalf. Please call us on 0845 272 7603 if you do not wish your information to be used in this way.
We may disclose information about you and your policy to the Financial Services Authority and/or the Financial Ombudsman Service, if requested by them. This will only happen if required to enable them to fulfil their obligations such as investigation of a complaint, or alleged misconduct.
Insurers pass information to various databases in order to prevent and detect fraud. The databases used depend on the type of insurance being bought. For motor insurance, this includes the Claims and Underwriting Exchange Register, the Motor Insurance Anti-Fraud and Theft Register, and the Motor Insurance Database. Further details will be explained when you contact us, and on the documents if you buy a policy from us.
If you buy a policy from us
We will keep the information you provide to us secure and private. For your convenience we will make changes to your policy on the instruction of your spouse/partner or a named driver on your policy. If you do not wish this, or if you would like someone else to have access to your file, please let us know. Please note that we will only cancel your policy or change your address on your instruction. No-one else can do this on your behalf.
Fortis Insurance who underwrites your policy may pass your personal data to other companies for processing on their behalf. Some of these companies may be based outside Europe in countries which may not have laws to protect your personal data, but in all cases your insurer will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.
In the event of an outstanding balance on your account, we will pass your details to a debt collection agency for them to collect this amount on our behalf.
As well as calling us on the above numbers, you can contact us by;
Writing to us at:
The Green Insurance Company Ltd
1 Masterton Way,
Tannochside Business Park,
Glasgow,
G71 5PU
E-Mailing us at service@greeninsurancecompany.co.uk
The Green Insurance Company is part of the Kwik-Fit Group of companies.
Registered in Scotland, number: SC314868
Registered Office: 1 Masterton Way, Tannochside Business Park, Uddingston, G71 5PU