Help centre

The insurance will start at the date and time you select during the quote process.

After purchase, we will send you an email with your Certificate of Motor Insurance attached. The Certificate of Motor Insurance will state your insurance policy’s start date/time and end date/time. It also details your Policy Number.

Your Certificate of Motor insurance and other Policy Documents are also available in your Customer Portal.

There is a compulsory vehicle excess set by the underwriter and will depend on your details and details of the vehicle you are looking to insure.

You will also have the option to add a voluntary excess, and the total excess payable will be the compulsory and voluntary excess combined.

The policy excess will be confirmed to you prior to making a purchase. Post purchase, details of your policy excesses can be found in your policy schedule which will be provided by email with your other policy documents and is also accessible in the Customer Portal.

Third Party, Fire and Theft cover provides cover for your own vehicle against fire or theft, cover to a third party for unlimited injury, and third party property damage up to £20,000,000. You are not covered for accidental damage to your own vehicle. Comprehensive provides cover for your own vehicle against accidental damage, fire or theft, cover to a third party for unlimited injury, and third party property damage up to £20,000,000.

Comprehensive cover also includes the benefit of ‘New car replacement if your car is less than 12 months old’.

There is windscreen cover on all Street Cover policies. Please note that there is a £25 excess to repair and £115 excess to replace. Full details on cover are in the Policy Booklet.

You can purchase a policy up to 30 days in advance of the start date.

If you’ve yet to purchase, details of cover can be viewed in Documents:

· A summary of cover can be viewed in the IPID (Insurance Product Information Document).

· The Policy Booklet provides more detail.

If you have purchased a policy:

· Your Certificate of Motor Insurance lists the limitations of use.

· The Policy schedule lists any additional endorsements (an endorsement is a restriction or additional requirement under your policy).

We will email your policy documents to you after you have purchased a policy and all documents are also accessible in our Customer Portal.

The Certificate of Motor Insurance is the document that proves that you have insurance. It details your Policy Number and it lists details of your cover (such as start and end date/time and limitations of use).

When you purchase your insurance policy, we will email your Certificate of Motor Insurance (and other policy documents) to you.
Your Policy Documents are also available in your Customer Portal.

If you are stopped by the Police, then your Certificate of Motor Insurance is the document they will want to see as it shows that you are insured to drive that vehicle.

All Street Cover motor policies are underwritten by Haven Insurance Company Limited (“Haven”).
Street Cover is a trading name of Acorn Insurance & Financial Services Limited and is the broker between you and the insurance underwriter. Street Cover arrange and sell insurance policies while the underwriter provides the insurance.

If you have an accident, you need to contact Acorn Claims who manage the claims process on behalf of Haven. You can notify Acorn Claims of an accident/incident on 01732 747100 who are open 24 hours a day, 365 days a year.

Please note that the optional add on product, Keycare, is provided by Keycare limited and this product is not underwritten by Haven Insurance Company Ltd.

No. The goods in your vehicle are not insured by the policy.

If you would like your goods to be insured, you will need to purchase a separate insurance policy for goods in transit from a different provider.

Yes. Policyholders earn 1 year of No Claims Discount for each full policy year they are claim free. You can also earn 1 year of No Claims Discount for each 12 consecutive 30-Day policies purchased where a claim does not occur.

The number of years of No Claims Discount you have earned can be viewed on your No Claims Discount certificate or Statement of Fact.
You can request your No Claims Discount certificate via our upload or request documents form.

We will email your Statement of Fact to you at the point of purchase. The Statement of Fact is also available in the Customer Portal.

You can submit proof of your No Claims Discount certificate here. You will need to ask your previous insurer for your No Claims Discount certificate. Please make sure that the document meets the following requirements:

• The No Claims Discount (NCD) certificate is the official document, on letter headed paper and showing all 4 corners of the page.
• The No Claims Discount (NCD) Certificate should show the start and end date of your previous policy and the number of years of No Claims Discount.
• The No Claims Discount Certificate must be in the Policyholder’s name.

Yes, you can request a copy of your No Claims Discount certificate here.

Yes, our 30-day policies have the option of auto-renewal. We will email you with your renewal quote prior to your policy expiring so you can make an informed decision on if you would like to stay on cover with us.

We offer two policy length options, a 30 day or an annual policy.

No we don’t. We only offer annual or 30 day cover.

Pay As You Go or Top Up insurance is additional cover you can purchase alongside an existing policy, that provides cover to make deliveries only when you are working (i.e. have been given a specific delivery job by a delivery company such as Uber Eats).

Use your current UK home address, and if your vehicle is kept overnight at a different address, you’ll be asked to provide this address too.

Sometimes we are unable to provide a quote as the application fails to meet the insurer’s eligibility criteria, or your application has not passed security checks.

We won’t be able to provide an insurance quote for your vehicle if we cannot look up the vehicle details via its registration number.

If you need help, then please contact us via our online web chat or by calling 01704 795185 (Monday to Saturday 9:00 am to 5:30 pm).

The quickest and easiest way to get a quote and then purchase is via our online journey. If you prefer to speak with one of our team, then you can call 01704 795185 (Monday to Saturday 9:00 am to 5:30 pm). You are not able to complete a purchase via email.

If you have a full UK driving licence, the driver licence number is on the front of the licence, section 5.

It is 16 digits long (it does not include the two digits to the right of this.)

For UK drivers, we use your driver licence number to check your driving record (for convictions, penalty points and disqualifications). We use a product called MyLicence to conduct the search. MyLicence is managed by the DVLA and MIB (Motor Insurers Bureau).

Your driving history is a factor in evaluating the risk of you having an accident. This information helps us provide you with a quote.
A driving licence check additionally helps prevent fraud.

If you are having trouble locating the vehicle via our online journey, please call us on 01704 795185 (Monday to Saturday 9:00 am to 5:30 pm) to speak to one of our sales agents.

Yes, you can add a maximum of 3 additional drivers to your policy. All drivers on the policy are covered to make deliveries. You can make this change in the Customer Portal.

We offer Breakdown cover and Keycare (which provides cover for lost or stolen keys)

Should you add Breakdown cover to your policy, please note that it will start 48 hours after the inception of your annual policy (i.e. any claims made on the cover within the first 48 hours of inception will not be covered).

Full product details are in the respective Policy Booklets which can accessed via the documents page

No, once purchased, the policyholder and start/end dates of the policy cannot be changed. Please check your quote carefully prior to purchasing to make sure the information you have provided is correct.

Yes, you can change your email address. Please complete the ‘change contact details form’.

Yes, You can cancel your policy by contacting us via our online web chat, by calling 01704795185 or by using the ‘policy cancellation form’.
Please note the cancellation terms depend on the type of policy you’ve purchased. There may be a fee to pay for cancellation, further information can be found in our Terms of Business.

Yes, we offer an automatic renewal where you will never be without cover. You can change your renewal settings in our Customer Portal.

Whether you are opted-in to automatic renewal or not, we will contact you via email prior to your policy expiring to inform you of your renewal quote.

If your needs (such as the type of cover required) or your circumstances (such as address, driver details or vehicle details) have changed then you will have the option to update these before your policy is renewed.

Refunds are not provided on 30 day policies, even if the policy has yet to commence.

All Street Cover policies provide cover for the ‘Carriage of Goods for Hire & Reward’. This means you are covered for delivery of goods (food, parcels and other goods excluding dangerous substances/goods or inflammable liquids or gasses in bulk) in exchange for payment.
You are also covered for social, domestic and pleasure (SDP) use.

You cannot use the vehicle for any other use. We specifically highlight that Private or Public Hire (use as a taxi) or use in connection with the motor trade are prohibited.

Yes, the insurance policies permit you to drive in any EU/EEA country and Switzerland. A full list of countries is provided in the Policy Booklet, which you can access in the Customer Portal or on the documents page.

Please note, outside of the UK we will only provide third-party cover (or the minimum cover required by that country) and social, domestic and pleasure use only (i.e. there will be no cover for the delivery of goods in exchange for payment).
Journeys must start and end in the UK (i.e. you cannot use our insurance to permanently export a vehicle from the UK).

When you purchase your insurance policy, we will email your policy documents to the email address you provided in the quote process.
The email will also include a link to our Customer Portal where you can access and download your documents.

When you purchase your insurance policy, we will email your policy documents to the email address you provided to us.
The email will also include a link to our Customer Portal where you can access and download your documents.

If you have not received the ‘Welcome’ email from us, please check your junk folder.

If you still cannot find the ‘Welcome’ email or you think you may have provided us with the wrong email address, then please contact us via web chat or by calling 01704 795185 (Monday to Saturday 9:00 am to 5:30 pm).

We don’t automatically send your policy documents in the post.

On the quote page you can opt-in to having your policy documents posted to your address. Please note this will take between 3-5 working days.

MID (Motor Insurance Database) is the central record of all insured vehicles in the UK. It is managed by MIB (Motor Insurers’ Bureau) and is used by the police and the Driver and Vehicle Licensing Agency (DVLA) to enforce motor insurance laws.

We will upload a record of insured vehicles once a day.

If your policy has cover starting on the same day as purchase, then details of your insurance policy may not be loaded to MID for up to 24 hours. You are still insured from the policy start date, there is just a delay in uploading your policy details to MID.
Please make sure you have a copy of your Certificate of Motor Insurance available in case you are stopped by the Police.

If you are stopped by the police, then you will need to show them your Certificate of Motor Insurance to prove that you are insured to drive the vehicle.

The police check that a vehicle is insured via a database called MID (Motor Insurance Database), which is a central record of all insured vehicles in the UK. If your policy has cover starting on the same day as purchase, then details of your insurance policy may not be loaded to MID for up to 24 hours. You are still insured from the start time, there is just a delay in uploading your policy details to MID.

We offer different payment options depending on the type of policy you choose:

Annual Policies

You can choose to:
• Pay in full upfront, or
• Pay monthly, by Direct Debit agreement with our sister company, Granite Finance, starting with an initial upfront payment (the amount will be shown in your quote). This requires holding a credit agreement with Granite Finance.

30-Day Policies
• These must be paid in full at the time of purchase. Monthly payments are not available for this policy type.
Accepted Payment Methods
• Debit or Credit Cards: Visa and Mastercard
• Digital Wallets: Apple Pay and Google Pay
• Other: PayPal
You can enter your card details manually or use a supported digital wallet at checkout.

Card payments are processed by a third-party vendor. We do not have any control over what card payments are accepted or rejected. We can only recommend trying a different card if you have another that you can use.

Your card may be refused if it fails security checks.

Visit our ‘Had an accident?’ page for more information what to do if you’ve had an accident and report it to Acorn Claims by calling 01732 747100. Information can also be found in your Policy Booklet (see Documents).

Visit our Make a claim page for more information on how make a claim. Claims can be reported to Acorn Claims by calling 01732 747100

Information regarding no claims discount and how it can be affected in the event of a claim can be found in the Policy Booklet which can be found on the documents page.

Yes, all policies provide a courtesy car for up to 7 days which can be used to make deliveries.

We ask that you declare any motoring offences within the last 5 years, including fixed penalties, convictions, driver awareness courses, disqualifications, or any pending prosecutions.

You can see how many penalty points you have on your licence at www.gov.uk/view-driving-licence.

Please note, other eligibility factors may mean that we may not be able to provide you with a quote.

Yes, we accept EU/NI/EEA and International licences.

No, we are unable to offer cover with a provisional licence.

No, we can only provide cover for vehicles with a UK registration number.

Street Cover is a trading name of Acorn Insurance and Financial Services Ltd. Acorn Insurance and Financial Services Ltd can insure vehicles that either do not have a registration number or have a non-UK registration number.

This insurance is called ‘chassis insurance’ as the car is identified by its unique chassis number or VIN (Vehicle Identification number). You can see the VIN number in the bottom corner of your vehicle’s front windscreen.

Please visit https://www.acorninsure.co.uk/car-insurance/chassis-number-insurance/ or call 01704 339925 (Monday to Saturday 9:00 am to 5:30 pm).

Yes, cars that are purchased on HP or PCP are eligible for cover.

During office hours (Mon – Sat 9 am – 5:30 pm), please contact us on web chat or by calling 01704 795185.

More details are on the contact us page.

Details on how to make a complaint can be found on the how to make a complaint page.

Details on how we use your personal data can be found in our Privacy Notice.