Terms and Conditions

The Van Insurer – Website Terms and conditions

1st June 2012.

This agreement

These are our terms and conditions on which we intend to rely. For your own protection we urge you to read them carefully and contact us for clarification if there is anything you have difficulty understanding.

Who are we?

thevaninsurer.co.uk is a brand name of ICE Internet Comparison Experts Limited (Jersey Co no 107715, regulated by the Jersey Financial Services Commission for the purpose of carrying out General Insurance Mediation Business) that covers a variety of trading names such as theinsurers.co.uk, thebikeinsurer.co.uk, thegadgetinsurer.co.uk etc. and is administered by Vast Visibility Ltd, Queen Anne House, Queen Anne St, Southport PR8 1EH (company number 05866769) which is registered by the Financial Services Authority under Firm Reference Number 566973. You can check this here http://www.fsa.gov.uk/register/firmSearchForm.do

What service do we offer?

We will process your data and present you with insurance products and/or brokers for you to choose what is best for you. Often we will display a list that is arranged in order of the most competitive price, but we will where possible, point out other features or benefits that you might wish to consider. At that point our service ends and the insurance broker or insurer you choose will deal with you from there onwards.

We do not charge you for our service. If you take a policy out with one of the Insurance brokers or insurers on our panel, they may pay us an introductory fee.

We do not offer any advice or make recommendations so you will need to make your own choice about how to proceed. Our service to you includes

  • Collecting and collating your details.
  • Sharing these details with insurance companies and insurance brokers
  • Providing you with sufficient information so you can decide which policy you want
  • Providing you with an introduction to the insurance broker who will arrange the insurance with you.

We will try and find you the most competitive quote from our panel. These are insurance brokers who deal with insurance companies and they will provide you with written details of the service they will offer you.

If you decide to go ahead with any of the quotations, they will tell you the basis on which they have arranged it.

Your responsibilities

You must answer all questions truthfully and accurately as they will be used to calculate your premium, which will be based on the answers you give.

(If you do not tell the truth, or if you mislead or omit important information then insurers will not pay a claim and you will also lose your premium. You might also have to pay compensation or be charged with fraud)

If you are in doubt about what to do, please contact us. Please note that this responsibility also applies to anyone else who will be covered under any policy. You must obtain accurate information about them also.

To accept a quotation from one of the Insurance brokers we will introduce you to, you will need to visit their website and/or retrieve your details to accept the policy, or contact them by phone.

You will need to reconfirm your details with them before you accept their quotation. This is very important. It is your responsibility to ensure all details are correct as failure to do so could result in your insurance being invalid. It is also important that you read their Terms and Conditions as they will vary with each broker as may any fees they charge, or any credit facilities they are able to provide to you.

Eligibility

There are a number of minimum underwriting assumptions upon which we provide vehicle quotations. If you do not meet any of the following criteria then you should not continue with the online quote process but call the appropriate number shown on the website.

Minimum Criteria

  • Your vehicle has not been modified in any way from the manufacturer’s standard specification.
  • Your vehicle is not Q plated. – Call the help phone number on the site.
  • You are or will be at the time you purchase insurance, the owner and the registered keeper of the vehicle.
  • You and any additional riders/ drivers hold or will hold the correct license to ride/drive the vehicle.
  • You and any additional riders/ drivers do not have a disability or medical condition which needs to be disclosed to the DVLA. – Call the help phone number on the site.
  • You and any additional drivers have never been refused insurance or had special terms imposed on previous insurance policies, or been convicted of a non-motoring offence (e.g. theft, dishonesty, fraud) or have any Notice of an Intended Motoring Prosecution pending.

Our Liability

Our Software is complex and highly sophisticated; however we acknowledge that sometimes mistakes might still occur. When we share your details with insurers it is not changed in anyway and we make every effort to transmit your details correctly.

You are then responsible to choose who you deal with. We cannot guarantee solvency or ability of any of the parties we introduce you to, but they are all authorised and regulated by the Financial Services Authority, (The FSA require them and us to have insurance to cover errors, handle any complaints promptly and treat you fairly, and provide access to the Financial Services Compensation Scheme and the Financial Ombudsman Service).

Our service to you is provided without charge and as a result we cannot be held responsible for any unidentifiable errors which might occur in the exchange of this information. If it is subsequently found to be incorrect as a direct and provable result of our negligence, our liability to you for the services we provided directly to you, (and not any service provided by others including or our partners) shall not exceed £1,000,000 in connection with any one event or connected events, except in respect of injury to or the death of any person resulting from our negligence.

We do not seek to restrict our liability in law in connection with matters covered by Financial Services Regulation, nor to restrict or exclude our liability where it would be illegal or unfair to do so.

We would remind you that it is your responsibility to make sure your insurance broker and insurer have the correct information necessary to insure you on the right basis. You should not buy insurance without checking to make sure your details are correct. When you receive documents from your broker or insurer you should check again that the details are correct.

Data Protection

We take Data Protection seriously because we want you to feel confident about the privacy and security of the personal information you input on our website.

We follow strict security procedures in the storage and disclosure of your information as required by law. These security procedures mean that we or the broker or insurer with whom you take out your policy may ask for proof of your identity before disclosing any information to you.

In supplying our service, we will have to collect and process personal information about you. We have to disclose that information to the brokers or insurers in order to obtain a quotation and afterwards if you take out a policy.

All this personal information that we retain will be held in strictest confidence and used only for the purposes for providing you with the service you have requested (other than information which may be shared for regulatory purposes).

The Brokers and Insurers you are introduced to will have their own Data Protection Policies. They may differ from ours so you should check how they will use your data.

They and the other providers linked to our service are not entitled to use your information for general marketing purposes unless you have consented to this directly with them. We will not overwrite any existing marketing preferences you have previously set up with product providers.

Complaints handling

If you have any queries regarding your insurance policy e.g. missing documents, change of details etc you should contact your insurance broker. If you have any queries regarding an insurance quotation please contact the help phone numbers listed on the site.

Vast Visibility do not have a record of which insurance broker individuals have taken policies out with.

We are a service company that guards its reputation and so are committed to providing all our customers with a high standard of service (but things can go wrong in any business and we are here to help resolve your problem if you are unfortunate to have one)

If for any reason we let you down, please let us know by contacting our customer services department on 0870 225 8207 or e-mail us at customer.services@theinsurers.co.uk alternatively you may write to us at Customer Services Department, Vast Visibility, Queen Anne House, Queen Anne Street Southport PR8 1EH. If we are unable to satisfy you, you may be able to take your complaint to the Financial Ombudsman Service and we will supply you with details at the time.

Law and Jurisdiction

This site is intended for use of UK residents only and due to this, applications from non-UK residents will not be accepted.

These terms of business shall be governed and construed in accordance with English Law. Any legal action or proceedings arising shall fall within the jurisdiction of the courts of England and Wales.

Accessing our website

Access to our website is provided free and we reserve the right to withdraw or amend the service we provided on our website without notice.

We are not liable if for any reason our website is unavailable at any time or for any period. We may from time to time restrict access to our website.

If you choose a password or any other piece of information as part of our security procedures, you must treat such information as confidential and you must not disclose it to any third party. We have the right to disable any user if in our opinion they have failed to comply with any of the provisions of these terms of use.

Links to other sites

thevaninsurer.co.uk sites provide links to third party websites as part of our service. We are unable to accept any liability for any statements, information, content, products or services that are published on, or may be accessible from, these third party sites. We are also unable to guarantee that they are free from viruses or anything else that could be infectious or destructive.

Website content

Whilst we have taken every step to ensure the information contained and displayed on the websites are accurate and up-to-date, we are unable accept liability for any errors or omissions and reserve the right to add, amend or delete content from the website at any time.

Monitoring

Monitoring of website activity and or communications may take place in accordance with UK law for training and development purposes or for other legitimate interests such as crime prevention. Further information is available at www.ico.gov.uk

Commercial use

This web site is for individuals themselves in person to obtain their own insurance quotes. This web site shall not be used for commercial use or price scraping. Obtaining quotes for other persons, if done for reward, can be a criminal offence.

Intellectual property

All Intellectual Property Rights and Copyright material in connection with this site and our services are hereby reserved and protected by law. We will take legal action against persons who copy this site or imitate our processes, text, questions, and images or in any way interfere with our legal property.

Amendments

We reserve the right to amend our Terms and Conditions at any time. The amended Terms and Conditions will be effective from the date they are posted on our site but will not be retrospective.