Once a client has accepted a quote, QuoteMart and the client must agree on the date that cover will commence, the commencement dates.

QuoteMart can offer clients immediate cover. The commencement of the policy is timed and dated from the moment the Telesales Consultant completes the writing up of the policy. The cover will only be valid as long as we receive the payment when it is requested.

It is NOT possible to arrange a commencement date in the past, as that would enable clients to backdate cover. Future commencement is however possible. The furthest forward into the future that we will arrange cover is approximate 60 days. This allows the client to guarantee today’s price.

Depending on the information obtained from the client during the quote stage, the system determines whether the client can pay by monthly installments. By using the same information, the system also requires some clients to make the first deduction by using a debit/credit card only.

Once the policy is sold the client is allocated a client number, or file number. The client number is always a 9-digit number starting with 111 or 112, for example “111234567”. The first policy to be sold had the client number 111000001.

A policy number specifies each car on the client file. For example “111234567 /02". Each car that is insured has a new policy number. Policy numbers will also change at renewal and each time the car is insured by a different panel member.

The commencement date is used by the system to calculate the last date on which the client must provide NCD and/or immobiliser proof.

Should the commencement date be set in the future, the client is able to contact us and bring that commencement date forward. The client would not be able to make the commencement in the past.