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Please read the following terms and conditions as use of the www.onlyinsurance.com
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 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 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 Only Insurance Limited has no control over these sites and resources, you acknowledge
and agree that Only Insurance Ltd 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, we may
monitor or record your telephone call.
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?
Only Insurance Ltd is 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 an insurance intermediary 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. Our registration
number is 313649.
Terms of Business
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.
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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