FAQs
How much car insurance do I need?
You need enough car insurance to satisfy your state’s minimum coverage requirements. Drivers in nearly every state need at least a minimum amount of car insurance in order to drive legally.
Will getting a quote affect my credit score?
No, it won't affect your credit score. It is a "soft pull.”
Does Novo offer roadside assistance?
Yes, if you have paid the premium for Roadside Assistance Coverage and it is shown on the Declarations Page, our authorized service representatives will provide emergency roadside services.
How do I know what my policy covers?
Our policies are customized for you. For more information about your policy, you can review the details about your policy and current coverage from your online account, or through your app. You can also contact us if you want to make any changes to your policy.
Can I add or remove coverages mid-term?
Yes, you can. Please call 1-888-606-0328 for any changes to the policy.
How do I file a claim?
You can file a claim by calling 1-888-606-0328 or email us at support@novo.us either through the Novo App or through your browser.
Will my rates go up if I file a claim?
Every policy is unique and personalized, it will be different for each customer and each claim. Contact us atsupport@novo.us or call us at 1-888-606-0328 if you have any specific questions.
Should I file a claim even if its not my fault?
Yes — Please let us know about any claims.
How can I monitor my claims status?
You can call our claims team at 1-888-606-0328 , and the first available team member can provide an update.
What phones is the app compatible with?
The Novo App should be compatible with iOS and Android device. For the best experience, you may need to download the latest software update for your phone.
What is the Usage Based/Telematics Program that is offered at Novo?
Currently, consumers purchasing auto insurance in Tennessee can opt into the “Novo Telematics Program”. Participating in this program automatically leads to a “New Business Participation Discount”. Our telematics program powered by telemetry data, behavioral data, and spatial data yields better driving behavior as we help you with areas of improvement leading to significant cost savings and rewards.
Do I need to install anything in my car for enrolling into this program?
Once you opt -in, we use smart phone - based telematics technology to track driving behavior.Novo is a pro - consumer, driver - first company.We use your data primarily to provide you the fairest price rated by how much you drive and not by archaic rating variables.For further information about how your data is used, please refer to our Telematics Policy and Privacy Policy.
What happens when I opt-in?
Once you opt-in, you will receive a welcome email, application and the telematics package with all information regarding your participation and the program.
Can I opt- out during the policy period?
Yes, you can. The primary insured may opt out of the program anytime during the tenure of the policy.