Frequently Asked Questions
How is Autosaint Insurance different from traditional insurance?
As with traditional motor insurance, you answer lots of questions that enable us to calculate an annual premium based on the answers you have provided.
Autosaint works exactly the same way. The difference is that we install an Autosaint Box (Telematic Device) into your car that provides us with information on how you are driving. This will allow you and Autosaint to monitor how well you are driving during the term of your insurance.
Is this a policy that charges me every time I drive late at night or every time I do something wrong?
Unlike other companies who offer a similar type of insurance policy, we won’t charge you each and every time you do something wrong from the day you take out your policy.
Autosaint offer a range of policies to suit your needs, a call to one of our advisors will help give you all the information you need to choose a policy thats best for you.
Our philosophy is that we want to help you become a great driver and to help you do this, we will review your driving behaviour regularly.
How do you calculate the premium?
Based on the answers you provide, we will offer you a very competitive premium. Insurance is all about risk - in simple terms, are you likely to claim or not based on the information provided?
Unfortunately, young drivers get a bad deal as the statistics suggest that young drivers are more likely to have an accident than more experienced, older drivers.
Autosaint wants to help young drivers. By installing an Autosaint Box in your car, we can see how well you are driving. We will offer you a fantastic price when you take out your insurance, and assuming you drive well, this price will remain the same for the whole year.
When completing my insurance you asked if I drive regularly during the night, what does this mean?
Statistics suggest that people who drive regularly late at night time are more likely to have an accident than those who don’t. Driving at night may affect your score with some insurers.
Please call us to discuss the options available to you.
What is classed as night driving?
Between 11.00pm and 05.00am.
Do I have to pay a different rate of insurance before and after the box is installed?
No. We are happy to provide you with the same rate of insurance while you’re waiting for it to be fitted subject to the box being fitted during the 14 day period from the start of your policy.
Do I still earn my No Claims Discount with an Autosaint policy?
Do I have to pay separately for the Autosaint box?
No, the cost of the box installation and data handling is included in the price you pay.
Will fitting a box affect the performance of my car?
No, it does not affect the performance of the car and it does not invalidate your manufacturers’ warranty.
How is the Autosaint box fitted? Do I have to fit it myself?
No. We provide a mobile fitting service, whereby a trained engineer will visit you at a time and place convenient to you.
When you have purchased the policy, our fitters will call you on the phone number you provided to arrange the installation.
Failing to turn up for an appointment could result in a charge.
When do I have to get my box installed?
The box must be installed within 14 days of the start date of the policy.
There are no exceptions to this rule. If the box is not fitted during this time, the policy will be terminated and you will be liable for charges.
Do I own the Autosaint box once it's installed?
No, the box remains the property of the data provider.
What information does the Autosaint box record?
The Autosaint box uses lots of different information to report on your driving, such as:
- Aggressive Acceleration
- Aggressive Braking
- Time of Driving
- Location of driving
- Fast Cornering
- Theft Tracking
- G-Force Impact (when involved in an accident)
What if I have to drive during the night time, will I be charged?
There will be no charges for driving at night, but regular driving at night could affect your driving behaviour and have an affect on your policy.
To be safe, it's best to use the car as little as possible late at night.
What if the there are problems with my Autosaint box?
If you find any issues with your box or the data being presented on the dashboard, call Customer Services immediately. It is very rare that we have problems with our boxes and in the unlikely event that we do, in most cases the problem can be fixed remotely so there is nothing for you to do.
If we have to replace the box, we will call you to arrange this with you.
The Autosaint website mentioned a tracker, what does this mean?
As the box generates a GPS signal, the location of the vehicle can be tracked, subject to a strong GPS fix.
OK, so I get a great price, take out insurance with you and my driving isn't great. What happens next?
Once we have installed the Autosaint Box, we will be able to see how well you are driving. If you drive well, you will keep the fantastic discount you received at the start of the policy.
We will monitor your driving regularly and give you feedback weekly and monthly. If the data from the box suggests your are not driving as well as you could, we will tell you. Consistently poor driving could result in an increase in premium or cancellation.
TIP: Driving to the speed limit at all times and not driving at night will help you keep your discount.
What if I continue to drive badly and ignore your warnings that have told me I need to improve my driving?
We want you to be a great driver and using Autosaint we will help you become one - that’s why we offered you a great premium in the first place! We not only want to save you money but we are thinking about your safety. Remember, statistics say young drivers are more likely to crash and we are here to help make sure that doesn’t happen.
Can my policy be cancelled immediately?
Yes. We have the right to cancel your policy if you break your insurance contract. For example, if we deem your driving to be dangerous or reckless you will be in breach of your insurance contract and the policy will become void. Further information on what is deemed as reckless driving can be seen in our Terms and Conditions.
If you want to cancel the policy you can do so by calling the customer services telephone number on the ‘Contact Us’ page. This may be subject to a cancellation charge by Autosaint and the insurance company.
Autosaint asked how many miles I will be driving. What if I drive more than what I have told you?
If you are likely to exceed the mileage provided to us when you started your policy, you will need to call us and we will arrange for the mileage to be changed and inform you of the additional premium. This can be spread over instalments if you are paying by direct debit.
What if I drive really well all year, will I get a refund?
The price you pay at the start of your policy will be very competitive. This is based on the fact that you will use the Autosaint Dashboard to make you a great driver so there will not be a refund.
If you do drive fantastically well during the year, Autosaint will offer a very competitive price at renewal to reward you. This could be as much as 25% discount in addition to any No Claims Bonus you have gained.
I don't understand the information thats displayed online, what should I do?
The Autosaint Dashboard has been designed to be very easy to read and understand. Clicking any of the help icons will assist you further.
If you are still unsure, just call Customer Services who will be more than happy to help.
I am selling my car, what happens to the box?
If you are selling your car and not insuring another car with us, the box will remain on the car and the data services from that box will be stopped.
If you are looking to change your car, we will need to arrange for a box to be installed in the new car which will incur a charge.
What if my car is stolen, what should I do?
You should call the police and inform them that your car is stolen. If the car can be seen on your dashboard, this may help when talking to the police.
Please note: It is at the discretion of the police as to whether they pursue your call and retrieve your car.
- Monday to Friday: 09.00 – 19:30
- Saturdays: 09.00 – 16:00
- Bank Holidays: 10.00 – 16:00