Car Excess Insurance - Terms & Conditions
Under this section ‘You’ may refer to your position as the broker or your client themselves.
If excesses apply, they will be itemised on your policy schedule.
How to make a Claim:
Should you wish to process a claim under this policy You must contact the claims department on 02890 410 220 (UK) or 01 872 0179 (ROI) or email@example.com or
37 Comber Road
Fax: (UK) 02890481185
You may cancel the policy at any time. You must notify us of this in writing and return the policy documentation to the address shown on the policy schedule.
The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 3 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:
b) Non-payment of premium
c) Threatening and abusive behaviour
d) Non-compliance with policy terms and conditions
Provided the premium has been paid in full your client may be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.
Customer Service/ Complaints
It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should follow the complaints procedure below:
Sale of the policy
Please contact your agent who arranged the Insurance on your behalf.
If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to:
Customer Relations Department
UK General Insurance Limited
Old Mill Business Park
Gibraltar Island Road
Tel: 0845 218 2685
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
Tel: 0845 080 1800
The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Services or Citizens Advice Bureau.
How do I renew?
You shall receive an email each month to notify you that you have renewals pending for the coming month. Your renewals are available three months in advance via the website renewals section.
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if Ageas Insurance Limited cannot meet its obligations. This depends on the type of business and circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
UK GENERAL INSURANCE LTD PRIVACY NOTICE
We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575
This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.
We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.
Why do we process your data?
The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.
What information do we collect about you?
Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.
For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.
We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.
UK General’s full privacy notice
This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at firstname.lastname@example.org. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.
Your contract with the Insurer
You must co-operate with the Insurer in obtaining reimbursement of any costs that incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.
Consumer Insurance (Disclosure and Misrepresentation) Act 2012
Under this Act, it is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer either before a consumer insurance contract is entered into or varied.
For the purposes of the Act, a qualifying misrepresentation is deliberate or reckless if the consumer:-
a) Knew that it was untrue or misleading, or did not care whether or not it was untrue or misleading, and
b) Knew that the matter to which the misrepresentation related was relevant to the Insurer, or did not care whether or not it was relevant to the insurer.
Any such misrepresentation could invalidate your insurance cover and mean that part of all any claim on the policy may not be paid.
Provisions and Services
The content of the site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.
You must ensure that the information you have provided us, whilst utilising this site are correct and that you have sufficient funds to cover the cost of any product or service which you intend to purchase.
Jurisdiction and Law
This policy shall be governed by and constructed in accordance with law of England and Wales.
By proceeding with access to our website, you are deemed to have accepted these terms and conditions.
Duty of Disclosure
The information you provide us during the quote process will form the basis of the contract between you and the Insurer. It is your responsibility to provide complete and accurate information and to disclose all material facts likely to influence an insurer's decision to accept or decline the risk. If you are unsure about whether to disclose any information please contact us for guidance.