Frequently Asked Questions

What is an Excess?

An excess is an amount you need to pay in the event of a claim. For example, if your excess is £50 and your claim is for £500, your insurers will pay a maximum of £450 in a settlement. Following an accident, the excess amount is usually paid to the garage once repairs have been completed, or deducted from the settlement amount if the damage is beyond repair. 

What if I Need to Make a Claim?

If you need to make a claim, Archer Insurance Services is on hand to guide you through the process. We will act on your behalf to ensure the insurance provider delivers the responsive service you expect, and strive to negotiate the best possible outcome for you. 

Our claims support experts will also monitor the progress of your claim throughout the process, and provide any necessary guidance. We will also keep you updated on any changes and developments. Visit our Claims page to find out more.

What is a No Claim Bonus?

No claims bonuses provide reductions on the premium based on the number of years you have not claimed from the policy. The percentage of the bonus varies between insurers, and increases each year with the maximum allowable discount usually reached after five years.

What Payment Options Are Available?

Annual insurance premiums can be paid in full, or as part of a monthly payment plan that suits your budget.

Why Use a Broker?

There are various complexities surrounding insurance, and an experienced independent insurance broker can navigate these complexities on your behalf to ensure you are adequately insured. 

Brokers know that not every policy is the same and that the premium is often the driving factor behind choosing a policy. A broker like Archer Insurance Services can help you identify the ideal cover for you, and can help you secure this cover at the best possible premium. 

As an independent broker, Archer Insurance Service is also not bound to any particular insurance provider, which, along with our in-depth assessments of your needs, allows us to always find the best, most suitable policy for every client.