Keeping You Moving
What do I do if I have a crash?
We hope that this never happens, but if it does, call us as soon as you can. Letting us know about an incident quickly allows us to start the process of getting you back in the position you were before the accident, and can help us to control the costs of any claims that anyone else might make.
If you report a claim to us immediately, we can reduce your excess from £750 to £375, so it pays to let us know!
We may even call you, as our telematics devices send us an alert if they think you’ve had an accident.
What should I do?
The first thing to do once you've had an accident, and you're safe and uninjured, is to exchange details.
You should take information such as the other drivers name, the registration of their vehicle, their contact information and who they are insured with.
Take images of the damage to both vehicles and of the scene of incident itsef, as this will help our claims handlers deal with your claim.
If there are any witnesses to the incident, ask them for their details, it may help us when we speaking with the other persons insurers.
Finally, you should call the claims team as soon as you can following the incident. Not only does this get the ball rolling on your claim, you'll also get your excess reduced by half!
What if my car is written off?
If your car is damaged we will assess the level of damage and will either repair it, or will offer you the pre-accident value of the vehicle at the time of the incident – this may be different to the amount you paid for your car or any amounts we spoke about when you insured your vehicle with us.
We refer any cases where we suspect a vehicle may be beyond repair to expert engineers to assess and value the vehicles.
As the insurer, we can decide how we settle any claim made. For example, if your car is written off, we may decide that is not appropriate to allow you to keep the car, and instead offer a cash only settlement.
All Yoyo policies have the benefit of a courtesy car, however, this is always subject to availability and will not be available immediately following an accident.
Courtesy cars are provided by our network repairers, and will only be available once your vehicles goes in to be repaired, subject to availability.
We will not be able to provide this benefit to you if you choose to have your vehicle repaired by a non-network repairer, if your vehicle is written off or has been stolen.
Policy Cover, Conditions and Exclusions
What's not covered?
The Yoyo policy is designed for new and young drivers. For a complete list of all the terms, conditions, exceptions and exclusions you should refer to your policy booklet HERE.
However, we would like to draw your attention to these exclusions in particular:
- We will not pay any claim under any circumstances (including for theft) if your car is left unlocked, left with keys/key fobs in, on, or attached to your car, left with the engine running or left with a window, door or roof open. This applies no matter how briefly any one of these occurs.
- We will also not cover any claim which results from you driving your vehicle while under the influence of drink or drugs. If this does happen, you will be directly responsible for all aspects of the incident, and we will not be able to provide any cover for injury caused to you or any person, damage to your or any other person’s vehicle, or damage caused to any property.
- If your car is damaged, we will pay the cost of repairing or replacing your vehicle up to its UK market value. This is the current value of the vehicle at the time of the claim – and it may be different to the amount you paid for your car or any amounts we spoke about when you insured your vehicle with us.