Car Insurance Terms

Terms & conditions of our car leasing insurance

About You
IMPORTANT – Your quote has been based on the following assumptions

All drivers have held a full UK or European licence for 12 months or more.
No more than 2 fault claims in total are disclosed for all insured drivers in the last 3 years.
No more than 3 minor convictions are disclosed for all insured drivers in the last 3 years. Minor convictions will be coded on your licence as follows SP, CU, LC, MS, MW, PC, PL, TS and any fixed penalty offence. All other convictions need to be referred.
The policy holder has never had a policy cancelled, declined, declared void or renewal refused.
No drivers have ever been prosecuted for a criminal offence
The car has not been modified. Manufacturers fitted optional extras are acceptable

Your duty to provide us with information
The information you have given us forms the basis of the contract between us. It is important that you should disclose all material facts: that is, those facts that would influence an insurer in the acceptance or assessment of your proposal. Failure to disclose such facts may result in claims not being met. If you are in any doubt about whether a fact is material, you should disclose it. You should keep a record (including copies of letters) of all information supplied to us for the purpose of entering into this contract.

How we may use your policy information
Motor Insurance Database - Your policy details will be added to the Motor Insurance Database (MID), 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 purposes 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 our Customer Service Team, or at www.miic.org.uk. Fraud Prevention, Detection & Claims History - In order to prevent and detect fraud we may at any time:- Share information about you with other organisations and public bodies including the Police; Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this. We and other organisations may also search these agencies and databases to:- Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household; Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies; Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity; Undertake credit searches and additional fraud searches. We can supply on request further details of the databases we access or contribute to. Claims History - Under the conditions of your policy you must tell us about any Insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information relating to it to a database. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim. You should show this notice to anyone insured to drive your car covered under the policy.

Governing Law and Jurisdiction
The laws of the United Kingdom will apply to this contract. If there is any disagreement about which law applies, English law will apply.