CPA and its importance - FAQs



Continuous Payment Authority (CPA)

  1. What is Continuous payment Authority (CPA) and why must I agree to it?
  2. What are the benefits of Continuous Payment Authority?

1. What is Continuous Payment Authority (CPA) and why must I agree to it?

Continuous Payment Authorities allow us to automatically collect payments from your debit or credit card or give you a refund.  We will review your ‘Model Driving Score’ every 6 months.  If your score is higher than the start of the review period, you could qualify for a premium refund.  But if your score is lower than the start of the review period, you may need to pay an additional premium.  This is the main reason why agreeing to CPA is compulsory for all Model Driver customers.  Of course, we won’t take any money or give a refund without informing you first.

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2. What are the benefits of Continuous Payment Authority?

CPA simplifies the payment process for any policy amendments you make during its term such as purchasing an Optional Extra e.g. Breakdown Assistance Cover.  It can be used to pay for changes that you make to your policy plus any fees or charges due.  At renewal time, premiums can be taken automatically offering you peace of mind that there will be no break in cover.

The DVLA and the police can easily detect if your vehicle is uninsured.  As part of the Continuous Insurance Enforcement (CIE), it is now a legal requirement for registered vehicle keepers to insure their vehicle at all times.  CPA can therefore protect you from penalties where you find yourself unintentionally uninsured.  For example, you go on holiday and forget to renew your policy.

The penalties under CIE can include:

  • A fixed penalty notice of £100
  • Your vehicle being clamped, seized and disposed of
  • A court prosecution with a maximum fine of £1,000

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