Frequently Asked Questions

1. Is there a limit to the number of times I can drive in the red hours before my insurance is cancelled?

There is no limit to the number of times you can drive in the red hours; however, the i-kube young drivers car insurance scheme is in place to help you save money. If you will be frequently driving your vehicle during the Red Hours then perhaps i-kube is not for you.

An additional premium of £45 is applied each night you use your vehicle in the Red Hours. If you do not use or move your car during the 'red hours' you will not be charged this fee and all you will pay is your usual monthly or annual car insurance premium.

Failure to pay any premiums may result in your policy being cancelled.

2. Do I have to have the Pass Plus qualification?

No you don't have to have the Pass Plus qualification, but if you do have the pass plus, statistically you are less likely to have an accident. i-kube provides a discount for the pass plus qualification which could greatly reduce your young driver car insurance premium even further. You don't need to complete the pass plus before you take out the policy, we will allow you 30 days from the start of the policy in which to complete the course.

There is a lot of government funding available for road safety and pass plus, you may wish to look at www.passplus.org.uk, this website gives details on the course and many of the councils that are involved have a reduced price scheme.

3. Do I still earn a No Claim Bonus on i-kube?

Yes. When it comes to earning No Claims Bonus or No Claims Discount, i-kube works no differently to any other insurance policy. On completion of a full term of insurance (12 months) you will accrue one year No Claims Bonus which can be transferred to your next policy at renewal. This is subject to there being no fault claims during the life of the policy.

4. Am I able to alter the "Red Hours" to suit my own needs?

Unfortunately not. The "Red Hours" are in place to protect you. Road Safety statistics prove that young drivers are more likely to be involved in road accidents during the Red Hours.

5. Does my vehicle have to be parked at my home address during the "Red Hours"?

No. As long as your vehicle is not being driven or moved during the "Red Hours" then your vehicle can be parked up anywhere in the U.K.

6. Can I insure my car in my parent's name?

No. This is known as "insurance fronting". Insurance companies see this as fraudulent. If the vehicle is solely or predominantly used by the young driver the policy must be insured in the main driver’s name. If the insurer finds out they are likely to cancel the policy or worse still, in the event of an accident, refuse to pay out.

i-kube has been developed to provide excellent cover at low cost so that young drivers could insure their own vehicles.