Terms & Conditions
The Insurance Choice website is provided for private individuals for their use only. You are not permitted to use this site or copy any material from this site, for commercial purposes. These are the general terms and conditions that govern the use of this site, please read them carefully. By using the site you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue or access the site.
These terms and conditions may change or be updated from time to time. It remains your responsibility to check these terms and conditions whenever you access the site. The latest version of these terms and conditions will govern any future usage by you of the site.
1. Definitions
2. Limited Licence
3. What you are not allowed to do
4. Disclaimer
5. Jurisdiction and Law
6. Indemnity
7. Intellectual Property and right to use
8. Compliance with Laws
9. Limitation of Liability
10. Force Majure
11. Interpretation
12. Assignment
13. Waiver
14. Security and Privacy
15. Whose products do we offer?
16. Issuing Cover
17. Duty of Disclosure
18. Changes to your policy
19. Payment of Premiums
20. Commission & Fees
21. Cooling Off
22. Additional Covers
23. Cancellation
24. Renewals
25. Making a Claim
26. Complaints
27. Road Traffic Act 1988
28. Rehabilitation of Offenders Act 1974
29. Policy Wordings
30. Compliance Information
1. Definitions
"You" and "Your" means the person who wishes to use the website
"User (s)" means any person accessing this Website whether or not such access leads to any purchase or other transaction.
"User Information" means information about you, your computer and its location such as your URL, website pages viewed, browser type, etc which may be collected by us when you use the Website whether or not you register with us.
"We" "Us" and "Our" means Insurance Choice, 2nd Floor, St Albans House, Portland Street, Leamington Spa, Warwickshire, CV32 5EZ, its employees and agents, its successors and includes any other person or business to which we may transfer our rights under these terms and conditions.
"Cookies means small text files which our website places on your computer's hard drive to store information about your session and to identify your computer.
"Website" means the website located at http://www.insurancechoice.co.uk/ any associated URL, or any subsequent URL which may replace it.
2. Limited Licence
You may browse the site using any compatible web browser. Permission to browse the site includes permission to make transient or cached copies of parts of the site to the extent that it occurs in the normal course of using your browser and that these copies are used only to facilitate current or future access to the site. You may print a copy of any page of the site for your own personal purposes, provided that you do not do any of the things set out in the section "What you are not allowed to do", below.
3. What you are not allowed to do
Except for the extent expressly set out in these terms and conditions, you are not allowed to make a copy of any part of this site.
You may not remove or change any part of this site.
You are not allowed to remove/change any copyright, trademark or other intellectual property right notices contained in the original material copies or printed from the site.
You must not seek to introduce any computer virus (including any variant or similar malicious code or instructions) to the Insurance Choice website, nor deliberately seek to prevent or hinder the site's usual operations in any way.
4. Disclaimer
It is our aim to correct errors and omissions as soon as possible once noticed or advised. However, on occasion there may be an error in the price or type of product or service shown. In such an event we reserve the right to cancel any contract we may have entered in to with you. Of course, this will be without any liability to you and a refund will be offered.
Every effort is taken to ensure the site is accurate and up to date. However, all warranties (whether express or implied) and all liability to you in respect of the site, its contents and or your use of the same, are excluded to the fullest extent permitted by law.
This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this site.
If any provision in these terms and conditions shall be found by any court or administrative body to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.
5. Jurisdiction and Law
This site is directed at residents of the UK, The Isle of Man, and the Channel Islands. Unfortunately we are unable to insure motor vehicles in Northern Ireland. Applications from non-UK residents will, unless otherwise stated, not be accepted. These terms and conditions shall be governed by and construed in accordance with the Laws of England and Wales and is subject to the exclusive jurisdiction of the courts of England and Wales. We are able to insure holiday homes outside of the UK that belong to UK residents, this will be deemed a transaction within the UK.
6. Indemnity
You agree fully to indemnify, defend and hold us, and our offices, directors, employees, agents and suppliers, harmless immediately on demand, from and against all claims, liability, damages, losses, costs and expenses, including reasonable legal fess, arising out of any breach of the Conditions by you and/or any other liabilities arising out of your use of this Website, or the use by any other person accessing this Website using your shopping account and/or your Personal Information.
7. Intellectual Property and right to use
(7.1)You acknowledge and agree that all copyright, trademarks and all other intellectual property rights in all material or content supplied as part of the Website shall remain at all times vested in us or our licensors. You are permitted to use this material only as expressly authorised by us or our licensors.
(7.2) You acknowledge and agree that the material and content contained within the Website is made available for your personal non-commercial use only and that you may (if necessary to make a purchase) download such material and content onto only one computer hard drive for such purpose. Any other use of the material and content of the Website is strictly prohibited. You agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.
8. Compliance with Laws
The Website may be used only for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Website and any transactions conducted on or through the Website.
9. Limitation of Liability
(9.1) ) Nothing in these Conditions excludes or limits liability for death or personal injury, nor liability in respect of negligent or fraudulent misrepresentation, nor liability in respect of any other liability not otherwise capable of limitation or exclusion under applicable law.
(9.2) While we will use reasonable endeavours to verify the accuracy of any information we place on the Website, we make no warranties, whether express or implied in relation to its accuracy.
(9.3) The Website is provided on an "as is" and "as available" basis without any representation or endorsement made and we make no warranties of any kind, whether express or implied, in relation to the Website, or any transaction that may be conducted on or through the Website including but not limited to, implied warranties of non-infringement, compatibility, security, accuracy, conditions of completeness, or any implied warranty arising from course of dealing or usage or trade.
(9.4) We make no warranty that the Website will meet your requirements or will be uninterrupted, timely or error-free, that defects will be corrected, or that the site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, and reliability of the Website. We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website.
(9.5) Insurance Choice will not be liable in contract, tort (including without limitation negligence), pre-contract or other representations (other than fraudulent or negligent misrepresentations) or otherwise out of or in connection with the Conditions for:
· Economic losses (including without limitation loss of revenues, data, profit, business or anticipated savings);
· Loss of goodwill or reputation; and/or
· Special or indirect losses;
suffered or incurred by you or by any other person.
(9.6) Notwithstanding the above Insurance Choices aggregate liability for loss or damage shall in any event be limited to a sum equal to that paid or payable by you for the product (s) in respect of any one incident or series of incidents attributable to the same cause.
(9.7) Nothing in these Conditions shall affect any statutory rights you have as a consumer.
(9.8) Insurance Choice will take all reasonable precautions to keep all information provided to us confidential and secure. Unless we are negligent we will not be liable for any losses howsoever caused as a consequence of any unauthorised access to such information.
10. Force Majure
In the event that we are prevented from carrying out our obligations under any contract for sale as a result of any cause beyond our control, such as but not limited to acts of God, war, strikes, lock-outs, flood and failure of third parties to deliver goods, we shall be relieved of our obligations and liabilities under such contract for sale for as long as such fulfillment is prevented.
11. Interpretation
(11.1) If any part of the Conditions shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severed from the Conditions and shall not affect the validity and enforceability of any of the remaining provisions of the Conditions.
(11.2) Each provision of the Conditions shall be construed as separately applying and surviving even if for any reason one or other of those provisions is held to be inapplicable or unenforceable in any circumstances.
(11.3) These terms and conditions govern our relationship with you. Any changes to these terms and conditions must be in writing and signed by both parties. In this way, we can avoid any problems surrounding what Insurance Choice and you are expected to do.
(11.4) Except in so far as any other document, description or agreement is specifically referred to in these Conditions these Conditions represent the full extent of the agreement between you and Insurance Choice.
(11.5) You confirm that, in agreeing to accept these Conditions, you have not relied on any representation save insofar as the same has expressly been included in these Conditions.
(11.6) The Conditions shall be governed by and construed in accordance with the laws of England and you irrevocably submit to the exclusive jurisdiction of the courts of England.
12. Assignment
(12.1) Insurance Choice may transfer, assign, novate or sub-contract the benefit of any part of its rights or obligations under these Conditions, and/or any contract concluded with you, to any third party.
(12.2) You may not assign or sub-contract any of your rights or obligations under these Conditions and/or any contract concluded between you and Insurance Choice.
13. Waiver
(13.1) Each right or remedy of Insurance Choice under these Conditions is without prejudice to any other right or remedy of Insurance Choice whether under this contract or otherwise.
(13.2) Failure or delay by Insurance Choice in enforcing or partially enforcing any provision of these Conditions shall not be construed as a waiver of any of our rights under these Conditions.
(13.3) No waiver by us shall be construed as a waiver of any preceding or succeeding breach of any provision.
14. Security and Privacy
We recognise our responsibility to treat the information we obtain about you with care. We use personal information about you:
· To provide you with a quote from our insurers
· To administer your policy if you buy one
· To maintain and improve the services we provide to you
· To research and tell you about other products and services
(14.1) Some of the personal information we ask you to provide may be sensitive. For example with car and travel insurance, you may be asked give us information about your physical health and the physical health of other people named on a policy. If you buy one of our policies then we will treat you as having given us consent to use any sensitive personal data solely in connection with the administration of your policy.
(14.2) We will treat all your Personal Information as confidential (although we reserve the right to disclose this information in the circumstances set out below). We will keep it on a secure server and we will fully comply with all applicable UK Data Protection and consumer legislation from time to time in place.
(14.3) When you use the Website we may also collect User Information, such as information about where you are on the internet (e.g. the URL you came from, IP address, domain types like .co.uk and .com), your browser type, the country and telephone area code where your computer is located, the pages of our Website that were viewed during your visit, the advertisements you clicked on, and any search terms that you entered on our Website. We may collect this information even if you do not register with us.
(14.4) You should be aware that this site is being monitored and may capture information about your visit that we may use to improve our service.
(14.5) We confirm that any Personal Information which you provide to us (or which is available on public registers) and any User Information from which we can identify you, is held in accordance with the registration we have with the Data Commissioner's Office. We use your information only for the following purposes:
· Processing your insurance policy;
· For statistical purposes to improve this Website and its services;
· To serve Website content and advertisements to you;
· To administer this Website;
· If you consent, to notify you of products or special offers that may be of interest to you. (See section 14.7 below)
(14.6) You agree (subject to section 14.7 below) that you do not object to us contacting you for any of the above purposes whether by telephone, e-mail or in writing and you confirm that you do not and will not consider any of the above as being a breach of any of your rights under the Privacy and Electronic Communications (EC Directive) Regulations 2003.
(14.7) When you create a user profile while purchasing online you will be given the option to receive information from Insurance Choice by post, e-mail or telephone about products, promotions or special offers which we feel may be of interest to you. In the event that you do not wish to be contacted for such purposes, ensure that you tick the appropriate box as you go through the registration process. You may unsubscribe from our contact list at any time by replying to a promotional e-mail with the word "unsubscribe" in the subject line, by e-mailing us at unsubscribe@insurancechoice.co.uk
(14.8) Your personal information may be disclosed to reputable third parties involved in the process and delivery of your policy. Insurance Choice requires all such third parties to treat your Personal Information as fully confidential and to fully comply with all applicable UK Data Protection and consumer legislation from time to time in place. We will not release your Personal Information to any third party for mailing or marketing purposes.
(14.9) You should be aware that if we are requested by the police or any other regulatory or government authority investigating suspected illegal activities to provide your Personal Information and/or User Information we are entitled to do so.
(14.10) We endeavour to take all reasonable steps to protect your personal information. However we cannot guarantee the security of any data you disclose on-line. You accept the inherent security risks of providing information and dealing on-line over the internet. Insurance Choice will not accept responsibility for any breach of security unless this is due to our negligence or wilful default.
Links
We cannot be responsible for the privacy policies and practices of other websites even if you access them using links from our site and we recommend that you check the policy of each site that you visit. In addition, if you linked to our website from a third party website, we cannot be held responsible for the privacy policies and practices of the owners or operators of the third party website from which you linked to our website and recommend that you check the policy of that third party website and contact the owner or operator of that site if you have any concerns or questions.
Fraud prevention, detection and claims history
Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI).
To prevent and detect fraud we and your insurance company may at any time:
1. Share information about you with other organisations and public bodies including the police.
2. Check and/or file your details with fraud prevention agencies and databases. If you give us false or inaccurate information and fraud is suspected, this will be recorded. We and other organisations may and do search these databases to:
- help make decisions about the provision and administration of insurance, credit and related services for you and members of your household
- trace debtors or beneficiaries, recover debt, prevent fraud, and to manage your accounts or insurance policies; or
- check your identity to prevent money laundering, unless you give us satisfactory proof of identity.
3. Undertake credit searches and additional fraud searches.
To prevent fraud and to ensure that any payments or refunds can be paid to you, we securely keep your credit/debit card details for the duration of your policy. By providing us with your card details, you consent to us doing so.
Motor insurance database
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA for the purpose of Electronic Vehicle Licensing and by the police for the purposes of establishing whether the driver's use of the vehicle is likely to be covered by a motor insurance policy and/or preventing and detecting crime. If you are involved in an accident in the UK or abroad, other UK insurers, the Motor Insurers Bureau and MIIC may search the MID to obtain this policy information. You can find out more about this from your insurer, or at www.miic.org.uk
You should show this notice to anyone insured to drive the vehicle covered under the policy.
It is your responsibility to ensure that you and all named drivers on a motor policy hold a valid driving licence(s) for the vehicle(s) you are proposing to insure. Failure to hold a valid licence will invalidate your insurance.
Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
You can find out more about this at www.miic.org.uk
Claims
Under the conditions of your policy you must tell us about any insurance related incidents such as fire, theft, or an accident; whether or not a claim was made through an insurance policy. When you advise of an incident it will be passed to a database by your insurer. If you make a claim through us we will pass on the information to such parties as your insurance company, loss adjusters and investigators. They will only use this data to assist with your claim.
Information on products and services
The information that you have provided us will be held and used by us to provide the insurance services you asked for and may be used by us for statistical analysis. The information may also be used by us in offering you other services and products that we believe may be of interest to you, unless you have opted not to receive such information. We may contact you by telephone, mail or email to let you know about these products and services. We do not pass any of your information on to third parties for marketing purposes.
We will abide by the stated principles of the Data Protection Act at all times. These can be viewed on the Information Commissioners website at www.dataprotection.gov.uk
If you prefer not to receive this information, and have not previously informed us of this, please write to the Data Protection Office, Insurance Choice, 2nd Floor, St Albans House, Portland Street, Leamington Spa, Warwickshire, CV32 5EZ. Or email us at dpo@insurancechoice.co.uk.
You have the right to ask for a copy of the information we hold about you on our records. You will need to pay a small fee. You have the right to ask us to correct any inaccuracies in your information. We keep records of our business transactions for at least six years.
Telephone calls
We may record telephone calls for security and training purposes to help improve our standards of service.
Security
We believe that security is of the utmost importance to our customers and we have therefore designed our site to include the latest encryption technology; SSL or Secure Socket Layer, which protects your payment details and all of your personal information. If you pay for your policy by credit card (not debit card) you will also have the additional protection of the Consumer Credit Act. The maximum liability on your credit card is £50 in the event that it is lost or stolen or used fraudulently and your liability stops as soon as you notify the credit card company that the card has been lost or stolen or used fraudulently.
Virus Protection
We make every effort to check and test material published on this website at all stages of its creation. It is always wise for you to run anti-virus software on all material downloaded from the internet. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.
Cookies
We use session cookies to enhance the level of service we provide to customers. They record areas of the site you visit plus the length of time you spend viewing them. They do not identify a user by name. Your browser keeps track of session cookies as long as it is running, but deletes them when it is closed down. If you object to a cookie being placed on your computer please adjust your browser to let you know when a cookie is issued or you can choose to have them disabled, this will not prevent Insurance Choice from giving you a quote online. Please refer to the website www.aboutcookies.org for more detailed information on how to control or manage cookies.
15. Whose products do we offer?
We offer products from a range of insurers for Motor Car, Motorcycle, Standard Household, Commercial Vehicle, Motor Trade and Commercial Risk insurance contracts.
We only offer products from a limited number of insurers for Travel, Let Property, Classic Car, American Car, Kit Car, Holiday Homes, Taxi, Minibus, Caravan, Motorhome and Non Standard Household insurance contracts. A list of these insurance undertakings is available on request.
We only offer Breakdown insurance products from a single insurer, Equity Red Star, Pet insurance and Wedding Insurance products from a single insurer, Entertainment & Leisure, Motor Legal Protection insurance products from a single insurer, Highway, Household Legal Protection insurance products from a single insurer, AIM and Commercial Legal Protection insurance products from a single insurer, DAS.
We will advise and make recommendation for you after we have assessed your needs for Motor Vehicle, Household, Travel, Caravan, Motor Trade and Commercial Risk contracts.
You will not receive advice or recommendations from us for Pet, Wedding, Breakdown or Legal Protection contracts. We may ask questions to narrow down the selection of products that we provide details on. You will then need to make your own choice about how to proceed.
16. Issuing Cover
In accordance with industry practice all proposals and requests for insurance cover are based upon the information provided to us and is subject to acceptance by the insurers. Premiums and terms quoted are also subject to confirmation and agreement by insurers.
17. Duty of Disclosure
In addition to providing all basic information to enable us to place the risk, you must ensure that you are complying with your legal duty of disclosure of all material facts relating to the risk. In particular, you must satisfy yourself that all information you provide is accurate and complete.
In this respect you must provide all information relating to the risk, whether favourable or not, which may influence the judgement of an insurer in determining whether or not they would take the risk and if so, for what premium and on what terms.
It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of the policy, and when you renew your policy.
Any failure to disclose facts material to the risk or any inaccuracies in your answers could result in all or part of a claim not being paid or the policy being cancelled or voided. If in doubt as to whether a fact is material, you should disclose it and then ask for assistance.
All documentation that we send to you must be immediately checked thoroughly to ensure that it is correct. This is especially important if the information was given by someone on your behalf. If anything is incorrect, or if you are unsure about any aspect, then please contact us immediately.
In the event of unacceptable revised terms being applied then you will be entitled to cancel the policy and subject to no claims being made during the period of cover, the premium will be refunded less any proportionate charge for the time on risk and any previously advised administration fees. We warn you that insurance companies will be within their right to make a time on risk charge based on the correct information and correct premium for the risk at the time of cancellation.
18. Changes to your policy
Any change in your circumstances or in the risk must be notified to us immediately and cover may be invalid until that change has taken place and been accepted by the insurer.
Examples include, (but are not limited to):
Change of Vehicle Change of Drivers
Change of Address Change of Use
Change of Occupation Change in Health
Accidents or Convictions Modifications to a Vehicle
19. Payment of Premiums
Unless otherwise agreed, all premiums are payable on demand and cover will only be effective from the time payment is received. We reserve the right to cancel or lapse a policy where payments are not received by their due dates. Any refund of monies will be paid to you after deduction of commission, cancellation fees, legal expenses and breakdown insurance (if applicable).
Insurance Choice, may, at its discretion, agree to accept payment of the premium by instalments, but in such cases the balance of the outstanding premium shall, at any time, be payable forthwith on demand, particularly in the event of a claim, and shall be due to Insurance Choice as a debt.
Arrangements for payments that fall outside the Consumer Credit Act will be subject to an administrative charge of £10.00 per payment. The charge will be quoted in advance of the transaction and will be included in the total amount payable.
Please note that in the event of a claim insurers do not normally allow any refund of premium and any remaining payments may be requested for settlement in full. The minimum requirement is that all direct debit payments must be maintained in full.
Insurance Choice collect premiums as an agent on behalf of the insurer, this means that once payment is made to us it is treated as having been paid to the insurer.
20. Commission & Fees
Once the policy has been set up on your instruction, we will retain that part of the quoted premium that represents our commission, regardless of any specific changes or cancellation that you request. This applies if you cancel your policy prior to cover taking effect (other than where cancellation has been requested under the ‘Cooling Off Rules').
If we undertake to process work in respect of mid-term alterations or cancellation of the policy, we may make an administration charge to cover the work involved in changing the policy on behalf of your insurer. This charge will normally be up to twenty five pounds for all mid term adjustments and cancellations. These amounts will be in addition to any charges made by your insurance company.
Certain transactions attract charges for our services. Where applicable these are, New Business Brokerage-up to 20% of the insurer's premium normally up to thirty five pounds, copy policy or duplicate documentation-fifteen pounds, policy adjustments/cancellation-normally up to twenty five pounds and renewal transaction-up to 20% of the insurer's premium normally up to thirty five pounds.
No fee will be payable for arrangement of Breakdown, Wedding, Pet, Legal Protection, Windscreen, Keycare. No fee will be payable for an introduction to another insurance intermediary for Permanent Health, Dental Health Plans, Life Assurance, Mortgage Protection, Savings and Investments and Personal Loans.
You will receive a quotation which will confirm any fees relating to your insurance cover.
All charges are separate to any charges imposed by your insurance company which will also be subject to Insurance Premium Tax (IPT).
21. Cooling Off
You have the right to change your mind and to cancel a policy during a period of 14 days following the day of purchase, or the day that you receive your policy documentation, whichever is the later.
In order to cancel a policy within this time you must write to us confirming your intentions and for motor insurance, enclose your Cover Note or Certificate of Insurance in your possession.
We will return your premium paid less any charge for the period on cover and any fees and insurer administration charges.
22. Additional Covers
Legal Expenses Cover
This is a separate contract and runs, if purchased, concurrently with your policy. There is no refund of premium on cancellation for this policy.
Breakdown Cover
This is a separate contract and runs, if purchased, concurrently with your motor policy or as a stand alone policy. There is no refund of premium on cancellation other than if cancelled in accordance with the ‘Cooling Off' Rules.
23. Cancellation
You have the right to cancel your policy at any time during the period of cover.
If you wish to cancel your policy, you must send us your current Certificate of Insurance or Cover Note if a Certificate has not been issued to you (for motor insurance) with a letter stating that you wish to cancel the policy. It is important to remember that cancelling your direct debit does not cancel your policy and the balance of payments may still be due.
If you are paying by direct debit, on cancellation any money that is in hand will first be used to clear the insurers' charge plus any administration fees. Should the amount be insufficient we will invoice you for the outstanding balance. Any excess money will be returned to you.
Legal Expenses Insurance, Breakdown Insurance and our commission are non-refundable. Please be aware that some insurance policies are cancelled on ‘Short Period' rates and not Pro-Rata, particularly in the first year of the policy. This often results in a disproportionately greater charge for the time on cover and refunds are much lower than maybe expected. It is often more beneficial to keep a policy in force to obtain a no claim bonus. Full charges made by the insurer for cancellation are shown in their policy document. No refund will be given when a claim has occurred. It may be wise to discuss any likely refund prior to deciding upon cancellation.
We will return your premium paid less any charge for the period on cover and any fees and insurer adminstration charges.
24. Renewals
We will write to you in good time prior to the expiry of your policy, advising you of the terms for the next policy period. For cover to continue, you must instruct us to renew on or before the renewal date, unless you are paying by continuous direct debit. We will confirm that renewal will be effective in such cases. There are no ‘days of grace'. Irrespective of whether you receive a renewal reminder or instructions that a policy will renew automatically, it remains your responsibility to ensure that your insurance is in force and valid.
If you pay your premium by direct debit, we may automatically renew your policy. We will notify you of our intention to do this before your policy expires and give you the details of the renewal terms. If you do not wish to renew the policy you should inform us before the renewal date. If you do not tell us, and we renew your policy or any subsequent policy on expiry, we will continue to take payments from your bank account.
25. Making a Claim
In the event of an incident or accident occurring that may give rise to a claim under your policy, you should notify us or your insurer directly as soon as possible using the contact details in your policy documentation. We do not settle claims on behalf of insurers. If you notify us we will forward all relevant information to your insurer without delay. As part of our service, we will monitor the progress of any claim notified and inform you of any significant changes without delay and provide other appropriate guidance together with instructing legal representative if you have purchased the benefit of Legal Expenses Insurance.
The information you supply in respect of a claim will be put on the claim register and made available to other insurers.
26. Complaints
We will always strive to give you an exceptional online service, there may be a time however when customers feel that they have a valid complaint. If so, we would like to hear about it so we can do everything possible to put things right. Please just contact us and we will deal with it immediately.
If we are unable to do this we will agree the next steps with you. If you wish to make a written complaint, please write to:
Customer Service Manager
Insurance Choice
2nd Floor, St Albans House
Leamington Spa
Warwickshire
CV32 5EZ
Please include details of your name and address, a contact telephone number, your policy or quote reference number and details of your complaint. This will help us to respond as quickly as possible. If we do not have enough information to investigate your complaint we will contact you to ask for further details. In all cases we will send written acknowledgement of your complaint within 5 working days of its receipt.
Within four weeks of receiving your complaint we send you either:
- a final response
- a letter explaining why we are not in a position to resolve the matter, and details of when we will contact you again.
Within eight weeks of receiving your complaint we send you either:
- a final response
- a letter explaining why we are not in a position to issue a final response, and when we will be in a position to do so. If however, there is an issue we cannot resolve to your satisfaction or you are dissatisfied with the delay, then you can refer the matter to the Financial Services Ombudsman Service (FOS) who will then liaise with us on your behalf and advise you directly of their decision. Referral to the FOS will not prejudice your right to take subsequent legal action. Their address is South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 080 1800. Website: www.financial-ombudsman.org.uk
27. Road Traffic Act 1988
It is an offence under the Road Traffic Act to make any false statement or withhold any material information for the purpose of obtaining a certificate of insurance.
28. Rehabilitation of Offenders Act 1974
Please note that you are not required to disclose convictions regarded as ‘Spent' under the Rehabilitation of Offenders Act 1974. For more information can be found on The Department of Transport website at http://www.dft.gov.uk/stellent/groups/dft_transsec/documents/page/dft_transsec_026451.hcsp
29. Policy Wordings
Full Policy Wordings and Summary of Covers are available in our Insurer Section of this site. Please do read these and download them prior to purchasing any policy with us. If for some reason the policy applicable to you is not available please contact us and we will arrange to get a copy to you.
30. Compliance Information
Compensation
Insurance Choice is covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that any firm providing insurance goes out of business or in to liquidation, you may be entitled to compensation from this scheme. Generally the FSCS will arrange to transfer a policy to another insurer, provided a new policy, or if these actions are not possible, provide compensation. Compensation for compulsory classes of insurance is covered in full. For other classes of insurance, the FSCS will meet the first £2,000 of a claim in full and 90% of the rest of the claim or value of unused premiums. Further information about the compensation scheme arrangements is available from the FSCS at 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN. Tel: 020 7892 7300 or from their website at www.fscs.org.uk
Regulatory status
Insurance Choice is authorised and regulated by the Financial Services Authority and is entered in the FSA register, number 452767. The name address and regulatory status can be checked by visiting their website at www.fsa.gov.uk/register or by calling them on 0845 606 1234
Data Protection Act: Z9553623
Consumer Credit Licence: 555258