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Terms and Conditions

IMPORTANT: Amendments made after using the browser Back or Forward buttons on your top toolbar were not recorded unless you next clicked the Confirm or Next buttons etc on the site itself and are thus invalid. Your valid input on which the cover was based will be shown in the Statement of Insurance which will be posted to you.

Specifically, you must have answered Yes to all of the Statements on the Disclaimers page at the start of the Quotes process and clicked Confirm.

The information that you have supplied or will supply in connection with quotations obtained and policies effected through this website forms the basis of your application for insurance. You must check and agree that this information is correct. In the event of a claim or upon request, you must be able to substantiate all of the details that you have provided. In particular, you may be asked for sight of your Driving Licence, proof of immobiliser fitment if applicable, and proof of any No Claims Discount entitlement.

It is most important that the information you have given is accurate. You are advised to revisit and print off or save the pages that you have completed in order to obtain your quotation, and to keep these with your Insurance documents. If any information is incorrect or missing, Direct Choice must be notified at once. An acknowledgement of the amended information will then be issued, together with any changes in the insurance terms and/or premium.

Failure to notify us of any errors, omissions or amendments could result in your insurance being invalid. The information shown must be correct to the best of your knowledge and belief, and you are reminded of your obligation to disclose all material facts. Material facts are those which are likely to influence an Insurer in his acceptance or otherwise of your risk. If you are in any doubt as to whether or not a fact is material you should disclose it. You should keep a record, including copies of letters and electronic mail, of all correspondence supplied to us for the purpose of entering into this contract.

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). The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance, we may search these registers. Under the conditions of your policy, you must tell us about any incident (such as accident or theft) which may or may not give rise to a claim.

When you tell us about an incident, we will pass information relating to it to the registers. Your insurance cover details will be added to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). This has been set up to help identify uninsured drivers, and may be searched by the Police to confirm who is insured to drive. If there is an accident, the Database may be used by Insurers, MIIC and the Motor Insurers' Bureau to identify relevant policy information. You can ask for more information about this. You should show this notice to anyone insured to drive the vehicle covered under the policy.

To provide enhanced customer service and for training purposes, all telephone calls to us are recorded, and documents are filed electronically. Please note that a specimen copy of your policy is available on request.

Data Protection

Your information (including information that we already hold and may receive now and in the future as well as information about lapsed policies) may be held on a group database operated by your Insurer and may be shared with other companies associated with your Insurer. This will allow your Insurer to reflect all the connections that you have with the Insurer’s group. They may disclose your information to agents and service providers appointed by them (such as loss adjusters, approved contractors, market research and quality assurance companies). Your information will be used for general insurance administration purposes. It may also be used for offering renewal, research and statistical purposes and for crime prevention. Your Insurer may also transfer your information to any country including countries outside the European Economic Area for any of these purposes and for system administration.

The Data Protection Act 1998 defines sensitive data as information about your racial or ethnic origin, political opinions, religious beliefs or beliefs of a similar nature, trade union membership, physical or mental health condition, sexual life, criminal record, pending court proceedings or sentence or any alleged offence. The information referred to above may include sensitive data.

With limited exceptions, you have the right to access and if necessary correct the information that your Insurer holds about you.

Your Declaration

Please note that clicking the “I AGREE” button on our site represents your POSITIVE ASSURANCE that you have no amendments or corrections to make to the details that you have given us for the purpose of obtaining the insurance policy issued based upon those details. The following is the text of the declaration that you have made:-

I declare to the best of my knowledge and belief that all the information provided by me for the purpose of obtaining this quotation is true and complete. I understand that it is my duty to disclose all facts that are material to and will influence the acceptance and assessment of the proposal and that I must notify immediately any changes to the information provided herein. I understand that failure to do so means that the policy may not operate to protect me.

I further understand that at each renewal of my policy it is my duty to disclose any change to the information provided by me and any other facts which are material to and will influence the acceptance and assessment of the Insurer’s renewal invitation. I understand that you will pass the information provided by me and about any incident I may give details of to IDS Ltd and the ABI so that they can make it available to other Insurers.

I also understand that, in response to any searches you may make in connection with this application or any incident I have given details of, IDS Ltd. and the ABI may pass you information it has received from other Insurers about other incidents involving anyone insured to drive the vehicle covered under this policy.

Terms of Trading

Your Duty of Disclosure

We cannot stress too strongly the importance of full disclosure when proposing for, or renewing, any insurance policy. Even an innocent omission of a single speeding offence a few years ago could result in Insurers refusing to pay a claim if they would not have accepted the risk in full knowledge.

Law to be applied

The parties are free to choose the law applicable to a contract of insurance. Unless agreed specifically to the contrary all contracts arranged through our agency are subject to the Law of England and Wales.

Internet and Confidentiality

If you have provided credit/debit card payment details for verification by us, then you should be aware that we have taken steps to protect your confidential payment information from disclosure to third parties. However, please note that despite our best endeavours transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the nature of the internet and matters outside our control.

Modifications

If the car has been modified, your quotation is not valid and you should contact us immediately on 01638 672972.

Territory Statement

Please note that Direct Choice is only able to arrange motor insurance on this website for individuals resident in the United Kingdom (excluding Northern Ireland), continuously for the past 12 months.

Road Traffic Act

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.

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.

Complaints Procedure

Direct Choice is an independent general insurance broker as defined by the General Insurance Standards Council. If on any occasion the level of service falls below the standard you expect you should contact the Customer Services Controller at Direct Choice.

If you are not satisfied that your complaint has been handled satisfactorily, you should write to the Chief Executive of your insurers, at the address shown on your schedule. Ultimately, having exhausted both the above routes you have the right to ask the Financial Ombudsman Service or the Personal Insurance Arbitration Service to review your case. You can write to the Financial Ombudsman Service at City Gate One, 135 Park Street, London SE1 9EA and the Personal Insurance Arbitration Service at the Chartered Institute of Arbitrators, 25 Angel Gate, London, EC1V 2RS. You may also seek help from the Association of British Insurers at 51 Gresham Street, London, EC2V 7HQ. This complaints procedure does not affect your rights to take legal action against us.

Documentation

You are reminded that it is your personal responsibility, under the Road Traffic Acts, to ensure that you are in possession of a current valid cover note or certificate of insurance before using your vehicle on the public highway.

Cancellation

Practices vary between insurers, but be aware that cancellation refunds are not given after a claim, and otherwise calculated on a short period scale weighted in favour of the insurer as their costs are similar whether a policy has run for one month or twelve. We do not refund commission, since this was earned for arranging the policy (unless you are replacing the policy through our Agency). Instalment charges are not refunded.

Our charges

In order to cover the costs incurred, we charge £20 each time a cheque is unpaid. If you know you will not have funds to meet a cheque, just call us and we will be pleased to delay presentation to assist. Please take care of your Certificate of Insurance. It is a legal document and duplicates incur a charge of £15.

We charge for payment by instalments - please refer to your payment options.

We make a charge of £15 in respect of adjustments to your policy (including cancellation), and do not refund commission.

Account settlement

Accounts are payable immediately, and a charge of £5 is added to any reminders after the first.

Year 2000 and other Date Recognition

No doubt you have heard of the problems that may be caused due to equipment and electrical items being unable to recognise certain dates, which may result in failure or breakdown.Insurance policies have never been intended to cover items that simply breakdown or fail to work and failure to handle a date correctly is an example. An endorsement clarifying that failed items are not covered is included in your Policy or Schedule. Please check the endorsement carefully and refer back to us if you do not understand it.

We reserve the right to revise charges without notice.

Data Protection

The details which you have supplied may be used by Direct Choice for statistical and research purposes. We may use them to send you details of further products and services and special offers supplied by us and others. If you would rather NOT receive this information, please write to Direct Choice, NEWMARKET, Suffolk CB8 9FT or e-mail us at optout@directchoice.co.uk.

Telephone Calls

Calls may be recorded or monitored to ensure a consistent and high quality of service.

Cooling-off Period

If there is any further information you require before committing yourself you must call us. If you buy cover without calling us you will be deemed to have all the information you require and no cooling-off period will apply (see GISC button).

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