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FAQs

For assistance with your policy, please check the Frequently Asked Questions below to see if your query can be answered.

Select a topic

NCD stands for No Claim Discount (also referred to as No Claims Bonus and NCB), which represents the number of years you have held a policy without making a claim or having a claim made against you.

NCD can allow quite a large discount as it shows a good driving history. This must be proven to allow the discount. Unfortunately, insurance fraud is on the rise and we want to protect our clients from potential price increases, by verifying documents such as NCD, driving licences and other important information.

If your NCD expired over 2 years before the start date of your policy, you generally cannot use it. Please ensure that you discuss this with us when getting your quotation, as an additional premium would need to be paid if your NCD cannot be used if your quotation was based on it being in date.

We need to know what country your NCD was earned in as it can affect your quotation. The majority of underwriters will accept NCD only from the United Kingdom. We do have some schemes where we can accept NCD from other selected countries, so it is important that we are informed of the origins of your NCD before you accept the quotation. We can then make sure you have the right policy for your driving experience.

You can only use your NCD on one policy at a time. We do, however, offer policies that allow a discount if you have NCD on another policy. This is called an "Introductory Discount" and is usually only given if you are claim free.

For an extra premium you may be able to protect your NCD. This allows you to make a stated number of claims in a stated number of years without affecting your discount. For instance you may be able to make two claims in three years without your discount being affected. You can usually only protect your No Claims Discount at the start or renewal of your policy and not mid-term.

Do I need to take any action?
No - you do not need to take any action. Everything will continue as normal, and we will contact you if anything changes in the future.

What is happening to Peter Best Insurance Services?
Peter Best Insurance Services was acquired by Grove & Dean Ltd in 2018. Since then, Peter Best has continued to deliver excellent service to its clients and go from strength to strength. Peter Best will now take the final step in the merger by becoming part of Grove & Dean Ltd as one company. Peter Best Insurance Services will continue to exist as a trading name of Grove & Dean Ltd.

Will my insurance policy change?
No – Rest assured your policy, cover, and terms remain the same. There is no impact on your existing insurance arrangements.

Will I see any difference in the service I receive?
No - you will continue to receive the same high level of service from the same team. Our aim is to make this transition seamless, so you should not notice any disruption.

Why is this change being made?
Bringing Peter Best into Grove & Dean Ltd allows us to streamline our operations, improve efficiency, and invest more into supporting our customers - while continuing to offer the specialist expertise you trust.

Are there any benefits for me?
Yes - this change allows access to wider resources, improved systems, and enhanced support, while keeping the trusted Peter Best experience you know.

Why do I see a different company name on my bank statement? 

During the transition period, payments and/or refunds may appear on your bank statement as either being processed by Peter Best Insurance Services Ltd or Grove & Dean Ltd. 

This is because we are moving banking arrangements, systems, and processes in stages to ensure a smooth transition for customers. 

Who should I make payments to? 

Please continue to make payments in the usual way and follow any payment instructions we provide. 

You do not need to take any action as a result of seeing either company name on your bank statement. 

Will this affect my Direct Debit? 

No. Your Direct Debit arrangements will continue to operate normally. During the transition period, the amount, timing, and purpose of the payment will remain unchanged. 

Will this delay payments reaching my insurer? 

No. The temporary use of banking facilities in either company name will not affect payments being processed and passed on to insurers in accordance with our normal procedures and regulatory obligations. 

Will this affect any refunds due to me? 

No. Any refunds due will continue to be processed as normal. During the transition period, the payment may appear on your bank statement from either Peter Best Insurance Services Ltd or Grove & Dean Ltd. 

Is my money still protected? 

Yes. The change in company name appearing on a transaction does not affect the security or treatment of customer funds. The way we handle payments still remains subject to our regulatory and legal obligations.

You must tell us everything that is relevant to your insurance. Failure to do so could result in your policy being cancelled or voided and you being left without cover. We need to know all your details, your driving history (any claims or motoring offences for you and any other drivers who will be using the car), the car details and the location. It is useful to remember that insurance companies and the police are starting to share information about cover, drivers and driving history.

Insurance companies need to take a lot of information in order to calculate a price: things like the make and model of car, postcode, driving history, claim experience, occupation, and type of use. By taking so much information we can personalise the price for your specific circumstances.

Every person’s individual circumstances are different. Insurance companies need as much information as possible to enable them to determine what the premium should be for the risk for each individual’s circumstances. Each insurer will view the details slightly differently based on their own experiences and claims statistics.

Sorry - We can only implement policies in the United Kingdom and the Channel Islands (we also have a limited group of insurers that will cover Northern Ireland).

Select a topic

Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01376 574000

Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.

Select a topic

Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01708 564 147.

Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.

    • Select a topic

    NCD stands for No Claim Discount (also referred to as No Claims Bonus and NCB), which represents the number of years you have held a policy without making a claim or having a claim made against you.

    NCD can allow quite a large discount as it shows a good driving history. This must be proven to allow the discount. Unfortunately, insurance fraud is on the rise and we want to protect our clients from potential price increases, by verifying documents such as NCD, driving licences and other important information.

    If your NCD expired over 2 years before the start date of your policy, you generally cannot use it. Please ensure that you discuss this with us when getting your quotation, as an additional premium would need to be paid if your NCD cannot be used if your quotation was based on it being in date.

    We need to know what country your NCD was earned in as it can affect your quotation. The majority of underwriters will accept NCD only from the United Kingdom. We do have some schemes where we can accept NCD from other selected countries, so it is important that we are informed of the origins of your NCD before you accept the quotation. We can then make sure you have the right policy for your driving experience.

    You can only use your NCD on one policy at a time. We do, however, offer policies that allow a discount if you have NCD on another policy. This is called an "Introductory Discount" and is usually only given if you are claim free.

    For an extra premium you may be able to protect your NCD. This allows you to make a stated number of claims in a stated number of years without affecting your discount. For instance you may be able to make two claims in three years without your discount being affected. You can usually only protect your No Claims Discount at the start or renewal of your policy and not mid-term.

    Do I need to take any action?
    No - you do not need to take any action. Everything will continue as normal, and we will contact you if anything changes in the future.

    What is happening to Peter Best Insurance Services?
    Peter Best Insurance Services was acquired by Grove & Dean Ltd in 2018. Since then, Peter Best has continued to deliver excellent service to its clients and go from strength to strength. Peter Best will now take the final step in the merger by becoming part of Grove & Dean Ltd as one company. Peter Best Insurance Services will continue to exist as a trading name of Grove & Dean Ltd.

    Will my insurance policy change?
    No – Rest assured your policy, cover, and terms remain the same. There is no impact on your existing insurance arrangements.

    Will I see any difference in the service I receive?
    No - you will continue to receive the same high level of service from the same team. Our aim is to make this transition seamless, so you should not notice any disruption.

    Why is this change being made?
    Bringing Peter Best into Grove & Dean Ltd allows us to streamline our operations, improve efficiency, and invest more into supporting our customers - while continuing to offer the specialist expertise you trust.

    Are there any benefits for me?
    Yes - this change allows access to wider resources, improved systems, and enhanced support, while keeping the trusted Peter Best experience you know.

    Why do I see a different company name on my bank statement? 

    During the transition period, payments and/or refunds may appear on your bank statement as either being processed by Peter Best Insurance Services Ltd or Grove & Dean Ltd. 

    This is because we are moving banking arrangements, systems, and processes in stages to ensure a smooth transition for customers. 

    Who should I make payments to? 

    Please continue to make payments in the usual way and follow any payment instructions we provide. 

    You do not need to take any action as a result of seeing either company name on your bank statement. 

    Will this affect my Direct Debit? 

    No. Your Direct Debit arrangements will continue to operate normally. During the transition period, the amount, timing, and purpose of the payment will remain unchanged. 

    Will this delay payments reaching my insurer? 

    No. The temporary use of banking facilities in either company name will not affect payments being processed and passed on to insurers in accordance with our normal procedures and regulatory obligations. 

    Will this affect any refunds due to me? 

    No. Any refunds due will continue to be processed as normal. During the transition period, the payment may appear on your bank statement from either Peter Best Insurance Services Ltd or Grove & Dean Ltd. 

    Is my money still protected? 

    Yes. The change in company name appearing on a transaction does not affect the security or treatment of customer funds. The way we handle payments still remains subject to our regulatory and legal obligations.

    You must tell us everything that is relevant to your insurance. Failure to do so could result in your policy being cancelled or voided and you being left without cover. We need to know all your details, your driving history (any claims or motoring offences for you and any other drivers who will be using the car), the car details and the location. It is useful to remember that insurance companies and the police are starting to share information about cover, drivers and driving history.

    Insurance companies need to take a lot of information in order to calculate a price: things like the make and model of car, postcode, driving history, claim experience, occupation, and type of use. By taking so much information we can personalise the price for your specific circumstances.

    Every person’s individual circumstances are different. Insurance companies need as much information as possible to enable them to determine what the premium should be for the risk for each individual’s circumstances. Each insurer will view the details slightly differently based on their own experiences and claims statistics.

    Sorry - We can only implement policies in the United Kingdom and the Channel Islands (we also have a limited group of insurers that will cover Northern Ireland).

    • Select a topic

    Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

    Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

    Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

    You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01376 574000

    Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

    Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.

    • Select a topic

    Buildings insurance covers the entire structure of your home, including roofs, walls, fences, hedges, gates, driveway (restrictions apply to fences, hedges and gates cover within certain perils of the policy) and outbuildings, plus permanent building fixtures like fitted kitchens/wardrobes. You'll be protected from a wide range of buildings risks, including fire, explosion, storm or flood (excluding fences, hedges and gates), theft, vandalism and subsidence.

    Loss of or damage to swimming pools, terraces, patios, drives, footpaths, walls, fences, hedges and gates caused by subsidence or heave of the site, or landslip, is not covered unless the private dwelling or its garages, greenhouses or outbuildings are damaged at the same time. Other exclusions include damp, wear and tear not caused by an insured event, or faulty electrical appliances or workmanship.

    Standard buildings insurance provides accidental damage cover to underground drains, pipes and cables and accidental breakage to fixed glass and sanitary fittings. However if you want to protect your buildings against other types of accidental damage e.g. damage caused by putting your foot through the ceiling while in the loft or DIY accidents such as drilling through a pipe or cable you will need to add this optional cover to your policy.

    You will not be able to get a quote online but we may be able to give you a quote through our office. Please call us on 01708 564 147.

    Insurers will not generally accept new business for buildings which have suffered from subsidence, and the best advice is to maintain cover with the current insurers of the property to ensure the continuity of cover.

    Flat roofs of substantial construction are covered as part of the buildings, subject to the normal terms and exclusions of the policy.