Business cover will be included automatically (when your policy is purchased through our website) for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address, unless either of you hold one of the following occupations:

• Motor Trade
• Retired
• Housewife/Househusband
• Student
• Unemployed
• Chauffeur working on a hire and reward basis
• Courier/Driver working on a hire and reward basis and/or delivering goods that they or their employer do not own

In these cases the vehicle may only be used for Social, Domestic and Pleasure (SDP) purposes.

In addition we cannot offer insurance where the vehicle is taken Airside (near to aircraft) or is used for paid driving tuition or where the policy holder or their spouse/partner is a foreign diplomat with immunity.

For all other occupations the vehicle may be used in connection with your business or those of your spouse, partner or civil partner (not business partner).

If you require additional drivers to have business use or are uncertain about the type of use you require, please call our Customer Hotline.

If you are an existing customer, your policy documents will confirm which cover applies to the policy.

If you are in doubt about any of the above please contact the Customer Hotline on 0800 200 326 .

Please note: business cover is required where your occupation requires you or your spouse/partner to travel to more than one permanent place of work. You will need business cover if you or your spouse/partner has more than one occupation.

Please provide your current renewal notice or a letter on headed paper from your previous insurer or broker confirming your No Claim Discount (NCD) and include the following details:

• Previous insurer’s name
• Previous insurer’s policy number
• Your name
• Policy expiry date
• Number of years NCD

Please remember to include your Churchill policy number when sending us your proof of your NCD.

It’s quick and easy to get your documents to us, you can upload a copy of your NCD through our secure online portal, alternatively we accept original or copies of documents in the following ways:

Post ‐ Please see address below

Email ‐ ChurchillNCDProof@churchill.com

Your NCD must be from a valid UK insurer and must not be older than 2 years. Your NCD must be expressed in number of years.

NCD proof should be sent to:

Please note that your NCD can only be used on one policy at any one time.

It is your responsibility to provide us with proof of NCD.

If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our Customer Service Department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.

More information on Car Insurance

If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our Customer Service Department and amend your current policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.

More information on Car Insurance