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 Click. 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 Click. 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 Click has no control over these sites and resources, you acknowledge and agree that Click 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 License, 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.


Data Protection
For your protection and ours, and to ensure our high standards are maintained, we may monitor or record your telephone call.

Click 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.

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.

Guidance

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).

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