Frequently Asked Questions

See below a list of our most frequently asked questions. Here, you can see further information about documents, policy changes, renewals, claims, making a payment and more.

How do I make a change on my policy?

You can make any change to your policy by visiting your customer portal.

Can I get a quote before making a change?

Yes, the system will generate the quote for the change on the customer portal. The change will only take place once you confirm it.

I’ve forgotten my password to my customer portal, how do I request a new one?

To reset your password you will need to go to portal.yoga-insure.co.uk/login and click ‘Forgott Password’. Once you have filled out this form you will receive an email with a link to reset your password.

I have more than one policy with Yoga Insurance; will all of my documents be in the portal?

Yes, as long as your policies are under the same policyholder, and have been linked on our system, all of your documents will be within the same account.

Do I have a customer portal?

All Yoga customers have a portal, it is set up automatically when you purchase the cover. If you’re unsure of your log in details you can request your username or a new password on the log in page here

How can I cancel my policy?

You can cancel your policy by visiting your customer portal.

Can I call your office?

We are an online only insurance broker, you should find all the information you need about your insurance policy at yoga-insure.co.uk; or click the “live chat” icon in the bottom right hand corner of this screen to talk to our chat bot Yogi. If he cannot answer your question you will be connected to one of our live chat team (Monday to Friday 9am-5:30pm).

How do you retrieve my driving licence information?

We will ask for your driving licence number before we offer you a quote; once we have this information we use a service called “My Licence” which will verify your driving history to ensure your premium reflects your driving record.

How do you retrieve my no claims bonus proof?

We use a database called Lexis Nexis which holds information about consumers’ driving history including no claims bonus proof and any previous claims.

How long does it take for my vehicle to show on the MID (Motor Insurance Database)?

We aim to update the MID (Motor Insurance Database) as quickly as possible after you purchase a policy or change your details. This is usually done within 48 hours but can take up to seven days following a weekend or bank holiday.

How do I make a complaint?

You can make a complaint using our live chat and speaking to one of our agents between the hours of 9am to 5:30pm Monday to Friday or alternatively you can send one in writing to us. Full details of our complaints procedure can be found here.

Who are Close Brothers Premium Finance?

Close Brothers Premium Finance are the Direct Debit provider for Yoga Insurance.

If your direct debit has been funded by Close Brothers Premium Finance any payments made will show Yoga Insurance on your bank account but their name will appear on letters they send to you relating to your Direct Debit.

Is there a charge for a defaulted payment?

Yes Close Brothers will charge a fee for a missed payment, details of the fee can be found in the documents sent to you from Close.

Why is there a fee for a default?

Due to the process involved, our finance providers apply an administration fee which covers the administration involved in bringing the payment up to date. Details of your finance provider’s fees will be outlined in your direct debit agreement sent by them.

Can I change my direct debit date or details?

For all direct debit queries please contact our direct debit provider Close Brothers on 0333 321 8566.

How do I pay my default payment?

Provided the agreement is still running you need to ring your finance provider directly on 0333 321 8566 to make payment.

How do I make a claim?

You can make a claim 24 hours per day 7 days a week by calling 02037 387386.

What do I do if I breakdown?

Our Breakdown service is availble 24 hours per day 7 days a week by calling 02037 387386.

How do I make a windscreen claim?

You can make a windscreen claim for a chip or full replacement by calling 02037 387386.

Will a windscreen claim affect my no claims bonus?

If you make a claim for windscreen repair through our approved repairers it will not affect your no claims bonus.

What happens if my policy is cancelled after a claim is made?

If you are paying by Direct Debit or another payment plan and have only paid a proportion of the premium then you will be required to pay the full amount outstanding.

If the premium was paid in full, no refund will be given.

If my vehicle is written off, what will happen to the policy?

A 14 days’ notice is given for you to replace the vehicle on the current insurance, or the policy will be cancelled. Please note your policy will never be automatically cancelled from the time the vehicle is written off unless at least 7 days prior notice has been given to you that this will occur.

What happens if the other driver disputes the accident circumstances?

When representing you we will do our very best to persuade the other driver, or their insurer, that the accident was their fault, so long as the evidence or circumstances support this. This is done by presenting them with all the evidence that you have provided us with and that we have gathered.

We will always act to defend your position, but if the evidence does not fully support either drivers’ version of the incident, everybody involved may have to take some responsibility. In this instance we will negotiate the best possible settlement with the other driver.

What happens at renewal?

We will notify you of your renewal via email at least 21 days before your policy is due for renewal and your renewal invitation will appear in your customer portal.

This quotation will be based on the information you provided to us previously and will contain your renewal confirmation and include the cost of renewing your policy.

It is your responsibility to let us know about any change in circumstance, as any changes could affect the policy terms or premium.

Will my insurance be automatically renewed?

All policies will be on an auto renewal basis unless you have advised us or we make you aware otherwise. You can stop the automatic renewal of your insurance in your customer portal.

Can I change my payment method at renewal?

Yes, you can do this on the Manage Renewal section on your customer portal.

Do you offer Temporary cover?

Yes, our temporary cover is provided by Safely Insured, please follow this link for a quick and easy quote https://yoga.safelyinsured.co.uk/

What Credit/Debit cards do you accept?

We accept both Visa and Mastercard, we do not currently accept American Express.

How do I get my proof of no claims from you?

Your no claims bonus will be sent via email automatically after renewal, if your policy is cancelled before the renewal date you can request your this through our Live Chat service.

Does my policy allow me to drive another vehicle?

Please refer to your insurance Certificate/Schedule to see if this is included on your policy. You would usually find this under the endorsements section of the document.

Im pregnant/Recently had a baby, can I drive?

As we are not medically trained we can not advise if you are fit to drive but as long as you have waited any advised period and been deemed fit to drive by your doctor then you are covered.

I've had an operation when can I drive?

As we are not medically trained we can not advise if you are fit to drive but as long as you have waited any advised period and been deemed fit to drive by your doctor then you are covered.

Do you cover learner drivers?

We will only cover drivers with a Full UK licence, however we can offer a quote to temporarily insure a learner driver by clicking the link https://yoga.safelyinsured.co.uk/.

Do you cover Lease cars?

Yes, we can cover a vehicle with a 1 year lease or more. You just need to make sure this is reflected correctly on the policy for the owner and keeper of the vehicle.

How long is my no claims bonus valid for?

No claims bonus is valid for 2 years from the expiry of your last policy, after 2 years the no claims bonus becomes invalid and can not be used.

Is it worth protecting my no claims bonus?

If you are involved in a fault claim you are at risk of losing your no claims bonus, you can protect them for a small cost to ensure you keep your full no claims should a claim occur. Please refer to the Insurer’s policy wording for full details of how the no claims bonus will be affected in the event of a claim.

What is Continous Payment Authority (CPA)?

CPA allows an insurance broker to apply for a payment which is due from a missed payment or a cancellation balance. This also applied to taking a premium in full for an auto renewal. More information can be found in Yoga’s Information Booklet.

Can I purchase a policy to get my car out of an impound?

Our policies will not cover you to get your vehicle out of an impound. You can follow this link for impounded vehicle cover https://yoga.safelyinsured.co.uk/.

Do I need a Green Card?

For information about Green Cards please click here

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