These terms and conditions set how we, car insurance company will deal with you as our client.
You will enter into two separate contracts when you take out an insurance policy through us. The first contract is with us for arranging and administering your insurance policy on your behalf. We shall charge you a fee for providing our services. Our terms and conditions are set out on this page.
The second contract is with the insurer for providing your insurance and they shall charge you a separate premium inclusive of Insurance Premium Tax as applicable. Their terms and conditions are set out in the Policy Booklet, Statement of car Insurance and key policy Facts. Our arrangement and administration fee and the separate premium will form the total price of the insurance. The specific amounts paid in respect of the cover you hold are found in the Covering Letter in your Welcome Package.
The information that you have supplied in connection with quotations obtained and policies arranged forms the basis on which you are insurance cover and premiums are agreed. You must ensure that you are complying with your legal duty of disclosure of all material facts relating to the risk, and you must satisfy yourself as to the accuracy and completeness of the information you provide to insurers.
A material fact is one, which is likely to influence an insurer in the acceptance and assessment of the proposal. For example, a young or inexperienced driver, or any offence includes non-motor related offences such as fraud, robbery, theft or handling stolen goods or prosecutions pending, or infirmities of any driver. It is an offence under the Road Traffic Acts to make any false statement or withhold any material information for obtaining a certificate for motor insurance. All material facts must be disclosed - failure to do so could invalidate your insurance policy.
If you are in any doubt as to whether a fact is material then it should be disclosed to car Insurance company Services or your insurer.
If there are any changes in your permitted drivers' circumstances during the period of insurance cover please provide us with details. If you do not, your insurance may not be valid or you may not be covered fully.
We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our dealings with us please contact us. Either you can launch your complaints in writing or by visiting our website or call, us through the contact provided here.
It is typically referred to as a police report; this report contains important information about an auto accident, such as circumstances, parties involved and citations given. The degree to which you caused or contributed to an accident or the fault determines what an auto insurance company pays what portion of the damages. The method by which this is determined varies from state to state.
Auto insurance coverage can be confusing but in some cases, it does not have to be.
Taking steps to ensure that your property is safe from unexpected situations
In the event of your death, life insurance gives your loved ones a peace of mind.