Break in Cover
What is a break in cover?
- A break in cover is when the expiry date on the proof of the no claims bonus is before the inception date with Stroll on the same vehicle. There has been a period where the car has not been insured.
What is a SORN?
- A sorn stands for Statutory Off-Road Notification and lets the Driver and Vehicle Licensing Agency (DVLA) know that you're registering a vehicle as off the road. Declaring your vehicle off road with a SORN means you'll not be able to drive or park it on a public road.
- The insurance company will accept a break in cover if the vehicle has been declared off the road with a SORN without the customer completing a BIC letter.
What to do if there is a break in cover:
If there is a break in cover, you must complete the follow questions with the customer:
Can you confirm that:
- Your car has not been involved in any incidents that have or may result in a loss whilst it’s been uninsured, is that correct?
- You have no pending police prosecutions, is that correct?
- Your car has been kept at the address you declared in this quote whilst it has been uninsured, is that correct?
- Your car has not been involved in any incidents that have or may result in a loss whilst it’s been uninsured, is that correct?
Alt acceptable question:
Can you confirm that while car reg XXX XXXX has not been insured, the car has not been involved in any accidents or incidents that could arise to claim and has not been stopped by police?
Do insurers accept a break in cover?
General information:
- Insurance companies usually accept a break in cover if it is under 30 days with a self-certified declaration (and hasn’t been SORN). However, each insurance company is different so anything over 14 days needs to be referred directly to the insurer. LV have agreed a BIC less than 30 days is fine as long as the customer has confirmed the break in cover details over the phone. BIC over 30 days requires a signed declaration.
- The break in cover letter is the customer confirming the above points (same as the quote journey).
- After 30 days break in cover, it can be difficult to get insurance if the car has not been sorn but refer case by case to the insurer.
LV:
LV have agreed a BIC less than 30 days is fine as long as the customer has confirmed the break in cover details over the phone. BIC over 30 days requires a signed declaration.
AXA:
- AXA will allow 90 days BIC.
- AXA need a letter from policyholder explaining BIC. If BIC is under three months and there are any named drivers under 25 this must be referred to AXA. If BIC is under three months and all drivers are over 25 and explanation is genuine (not just car off the road) this is OK but still need copy licences for all drivers and letter from policyholder.
Stroll Quote Flow - Break in Cover logic:
- The Stroll quote journey has been set that if the customer has had a break in cover under 14 days, the quote can continue if they agree to the following.
- Anything over 14 days will prompt the customer to chat to the Stroll agent as it is a hard stop and will need further investigation and referral from the stroll agent team.
Chat Responses
What is a break in cover letter?
A break in cover letter is a self-certified declaration from the policyholder confirming that whilst the car was uninsured for a period, the car has not been driven or involved in any accidents or incidents that could arise to a claim.
Why has the quote stopped when I am trying to insert my last insurance date?
The insurer requests that we know more about why the car has not been insured for over 14 days. When was the last time this car was insured?
The insurer requests that we know more about why the car has not been insured for over 14 days. Has this vehicle been sorn?
Chat Response - Break in Cover Document Validation:
You have sent us the incorrect document:
It looks like the document you sent us is incorrect. What we actually need you to send us is the SORN (Statutory Off the Road Notification) document that shows the dates that you declared your vehicle off the road to the DVLA.
The dates on your SORN aren't acceptable:
It looks like the dates that are stated on the SORN document don't align to the dates that were declared during the quote.