Legal Information and Terms & Conditions
Your Information
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 provided must be complete and 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 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 cover details will be added to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purpose of establishing whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and/or for 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 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. You can find out more about this from us, or at www.miic.org.uk.
You should show this notice to anyone insured to drive the vehicle covered under this policy.
To provide enhanced customer service and for training purposes, all telephone calls to us are recorded, and documents are filed electronically. A specimen policy is available on request.
Data Protection
Taylor Price Insurance Services 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. We may share your information with our agents or service providers and with other members of our group and third parties with whom we have a business relationship for the purposes described above. For more details about how we use your information please see our Privacy Policy on our web site or the ‘Your Information' section at the top of this page. Alternatively, write to the Data Protection Compliance Manager at Taylor Price Insurance Services Ltd, 119 High Street, NEWMARKET, Suffolk, CB8 9FT, who can also provide you with a list of the companies within the 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.
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 below represents your POSITIVE ASSURANCE that you have no additions, amendments, or corrections to make to the details that you have given us for the purpose of obtaining this quotation and any subsequent insurance policy issued based upon those details. The following is the text of the declaration you will 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 prior to 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.
Quotations
Our quotations are guaranteed based on the information provided at the date given. We reserve the right to withdraw quotations before they are taken up, and to apply any changes notified to us by underwriters after the quotation was given.
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 0844 836 1372.
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. Our understanding of the period of time following the date of conviction after which the offence need no longer be disclosed is as follows. However, you are not to rely on this and should make your own enquiries.
| 1 | If no fine or disqualification | 4 years |
| 2 | If a fine | 5 years |
| 3 | If a disqualification but no fine | period of disqualification |
| 4 | Imprisonment or offender training up to 6 mths | 7 years |
| 5 | Imprisonment or offender training up to 30 mths | 10 years |
| 6 | Imprisonment or offender training over 30 mths | never "spent" |
NB: all the above are reduced by 50% if the person was aged under 17 at the date of the conviction (not the date of the offence)
Complaints Procedure
It is always our intention to provide the best possible standard of service - however, if you are dissatisfied and you wish to make a complaint we operate the following procedure:
- Please call us on 0844 836 1372, or write to our Customer Services Manager.
- 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.
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 or card payment 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 £20.You should also note that we will not be responsible for any fines or costs that you incur resulting from late delivery of, or incorrect information on, any documentation relating to your insurance.We charge for payment by instalments - please refer to your payment options.We make a charge of £20 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. .
Your Right to Cancel
You have a right to cancel within 14 days of the conclusion of the contract (unless the performance of the contract has been fully concluded at your request), or receipt of the policy document, whichever is the later, but the insurer and we are entitled to deduct a fair amount for expenses and the period of cover provided.
"Direct Choice" is a trading name of Taylor Price Insurance Services Limited who are authorised and regulated by the Financial Services Authority.
We reserve the right to revise charges without notice.o continue with the purchase by telephone.
Authorised and regulated by the Financial Services Authority.
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