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Terms and Conditions

Please read the following terms and conditions as use of the www.InsuranceNeeds.co.uk site means that you agree to them.

The rights in the designs, pictures, logos, photographs and content of this site are owned by or licensed to InsuranceNow Services Ltd or Only Insurance Ltd. They are protected by copyright, trademarks and other intellectual property rights. You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of this site without the written permission of InsuranceNow Services Ltd or Only Insurance Ltd. You may view or print individual pages only for your own personal use.

This site also provides links to and content from other internet sites and resources. Because InsuranceNow Services Ltd has no control over these sites and resources, you acknowledge and agree that InsuranceNow is not responsible for the availability of these external sites or resources and does not endorse and is not responsible for any content, advertising products, services or other materials on or available from these sites or resources.

Information

It is important to note that your application for insurance is based upon the information that you have supplied in connection with quotations and policies effected through this website. You must ensure that all information is accurate and correct. In the event of a claim or upon request you must be able to substantiate all of the details you have provided. You may be requested to produce your Driving Licence, evidence of any security installation or proof of any No Claims Discount entitlement.

All information provided must be correct to the best of your knowledge and belief and you have a duty to disclose all material facts. A material fact is one that is likely to influence an Insurer in his acceptance of a risk. An innocent omission of a speeding offence a few years ago could result in an Insurer declining to pay a claim, if they would not have accepted the risk in full knowledge. If you are in any doubt as to whether a fact is material to the risk you should disclose it. All information provided to obtain your quote should be checked for errors, omissions or amendments and you have a duty to notify us if any information is incorrect or missing. Failure to do so could result in your insurance policy being invalid. We therefore recommend that the pages completed to obtain your quote are saved and that a copy is retained of any 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 an 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 details will be added to the Motor Insurance Database (MID) run by the Motor Insurer's Information Centre (MIIC) to which the police, DVLA/DVLNI (Driver and Vehicle Licensing agencies) and other insurers have access. 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 relevant policy information. 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. Further details relating to this can be obtained at www.miic.org.uk.

You should share this information with anyone insured to drive the vehicle covered under this policy.

Data Protection

For your protection and ours, and to ensure our high standards are maintained, your telephone call may monitor or recorded.

Only Insurance Ltd will use your information to provide the product(s) and service(s) requested and for customer services, marketing (including customer profiling), and fraud/loss prevention purposes. In order to advise you of our range of financial products we may contact you in the future and may share your contact details with other carefully selected companies as well as other companies within the Only Group.

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 Union for any of these purposes and for system administration.

Who regulates us?

InsuranceNow Services Ltd and Only Insurance Ltd are authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent watchdog that regulates financial services. Our permitted business is that of a insurance intermediaries dealing in and arranging contracts of general insurance. You can check this on the FSA's register by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. InsuranceNow's registration number is 309235 and Only Insurance Ltd's registration number is 313649.

Terms of Business - Only Insurance Ltd

Our Service

We may ask some questions to narrow down a selection of products that we will provide details on. You will then need to make your own choice about how to proceed. You will not receive advice or a recommendation from us.

Disclosing full facts

It is an offence to make false statements or withhold information to obtain motor insurance.

If you don't disclose all material facts your insurance could be invalid and not give protection in the event of a claim. In particular you should tell us about any incidents (whether or not you were to blame).

Law to be applied

Policy documents detail the law applicable to each contract of insurance. Unless agreed specifically to the contrary all contracts arranged through Only Insurance Ltd are subject to the Law of England and Wales.

Renewals

If you buy insurance from us and pay by monthly direct debit, for your convenience and protection we will automatically renew your insurance policies (unless you tell us otherwise). This will include any other additional insurances such as Breakdown cover or Legal Expenses insurance. We will write to you before the renewal date to remind you of this and to let you know what the revised payments will be.

Cancellation

In all cases the Certificate of Insurance must be returned to Only Insurance Ltd.

You have the right to cancel the policy within 14 days from the conclusion of the policy (unless you have made a total loss claim) or receipt of the policy documentation, whichever is the later. The Insurer and we are entitled to deduct a fair amount for administration charges and for the period of cover provided.

If you pay your insurance by direct debit, an interest charge will apply.

Charges

Our fees are in addition to any charge made by the Insurer and are detailed below:

Administration charge for setting up a new policy - up to £30.
This may vary depending on how you choose to deal with us e.g. internet or telephone. You will be advised of the charge before buying.

Administration charge for making an alteration to an existing policy - up to £30. Examples include:

• Changing your vehicle
• Altering the drivers
• Changing your address
• Altering your sums insured

Administration charge for duplicate documents - £20

Cancellation charge, which is made in addition to retaining our commission - £40

Reinstatement of direct debits (when possible) - £20

Complaints Procedure

It is always our intention to provide the best possible standard of service - however, if you are dissatisfied and you wish to register a complaint the following procedure should be followed.

• Call us on 0207 377 1805, or write to our Customer Services Manager.
• Our aim is to resolve all complaints within 24 hours of receipt. If this is not possible we will acknowledge your complaint within 5 business days and tell you the name of the person dealing with it. We will also advise when we would hope to respond if we cannot resolve the matter immediately.
• If we are not able to resolve the matter immediately we will provide you with a written response within 20 business days of receipt of the complaint unless the matter is sufficiently complicated to warrant longer investigation or if it requires review of information from a third party, in which case you will be advised.
• If we are unable to respond within 20 business days you will be advised of the reasons why, and provided with an expected timescale to receive our final response.
• If you are unhappy with the outcome following internal investigation and referral to your insurer you may refer your complaint to the Financial Ombudsman Service.

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