ONE QUOTE DIRECT T/A WISER CHOICE TERMS OF BUSINESS

ONE QUOTE DIRECT T/A WISER CHOICE

TERMS OF BUSINESS

The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services.

You should use this information to decide if our services are right for

you.

Whose products do we offer?

We only offer the products of AXA Insurance UK plc for annual private

car policies.

For optional extras, we only offer the products of:

Financial & Legal Insurance Company Limited for

• Legal Expenses Insurance

• Key Protection Cover

Trinity Lane Insurance Company Limited for

• UK & European Breakdown

AmTrust Europe Limited for

• Excess Protect Cover

• Replacement Vehicle Cover

We only offer the product of Premium Credit Limited (PCL) for Direct

Debit Credit Agreements.

Which service will we provide you with?

We're an established intermediary acting on your behalf.You will not

receive advice or a recommendation from us. We may ask some

questions to narrow down the selection of products that we will provide

details on.You will then need to make your own choice on how to

proceed.

What will you have to pay us for our services?4.

AmountFee/Charge

Up to £75.00New Business Fee (This is for arranging a new policy)

Up to £75.00Renewal Fee (This is for arranging a renewal)

£20.00Duplicate Documents

Free

New Business Correction ➊

Mid Term Adjustment Fees (via Contact Centre)

£50.00Temporary Change

£50.00Change of Vehicle or Driver

£50.00Any Other Permanent Change

Mid Term Adjustment Fees (via Customer Portal)

£20.00Any Online Customer Portal Change

Cancellation Fees

£25.00

Within 'Cooling-Off' Period ➌

£75.00After 'Cooling-Off' Period and you used a price

comparison site ➍

£50.00After 'Cooling-Off' Period and you didn't use a price

comparison site

£50.00After having the policy with us for more than 12 months

£25.00

Before Cover has started ➎

£75.00

Void ➋

A New Business correction is classed as an amendment that doesn't

change the risk or the price (such as a spelling mistake).

➊

This fee applies when your insurer instructs us to cancel your policy

back to the start date.The insurer will treat the policy as invalid from

the outset, but we take a fee to cover our administration costs.

➋

The Cooling-off period is up to 14 days from the start date of the

policy or (if later) the day on which you receive your policy

documentation and supporting information.

➌

Price Comparison sites charge us when customers use them to buy

a policy from us.We apply this extra fee for cancellations outside the

cooling-off period to cover that cost of administration and their charge.

➍

If you cancel your policy before the cover has started you will receive

a refund, but we take a fee to cover our administration costs.

➎

These amounts are in addition to any fees and/or charges made by your

insurer or PCL. All fees & charges are non-refundable unless otherwise

stated. We are paid a commission calculated as a percentage of the

loan made to you from PCL.

We charge you a fee to arrange and administer the motor policy with

the insurer on your behalf. We will tell you the exact fee amount for

arranging your motor policy before you purchase it.We are paid a

commission by the insurer based on your vehicle and your

circumstances which forms part of your total annual motor premium

or a percentage of your total annual motor premium.We are paid a

flat fee by the insurer for arranging any optional extras on your behalf.

Cancellations

If we or the insurer cancel the policy, we will write to you providing a

minimum of 7 days' notice of cancellation. This cancellation will be to

your last known postal or e-mail address, in line with your preference

to receive policy documentation.

If you cancel your direct debit or finance agreement with Premium

Credit Ltd this does not mean cancellation of your motor insurance

policy, which is a separate contract. Please contact us to arrange an

alternative payment method or cancellation of your policy.

Cancellation of the main motor insurance policy also cancels any

optional extra insurances that you may have selected and as listed

under Section 2 above. We make a full refund of premium for all

optional extra insurances within the 'cooling-off' period.Thereafter, no

refunds are due.

What happens at renewal?

We aim to find you the most competitive premium by searching our

panel of insurers for any future renewal.

Unless you have asked us not to use your debit/credit card to make

payments for your insurances, we will let you know via e-mail and/or

letter that we intend to automatically renew your policy along with any

optional extra insurances you hold.

If you pay by direct debit, your policy, and any optional extra insurances

you hold will automatically renew with the instalments continuing to

be taken each month.

You have the right to change your renewal preference at any time,

and this can be actioned through the Customer Portal, by LiveChat

(where available) or by telephone. If you change your permission just

before your policy renewal date, the renewal payment may already

have been requested from your card or your first instalment may

already have been requested from your bank. In these cases, we will

arrange for a refund.

If no notification of our intention to take payment is shown on your

renewal invitation, or we have not received your permission for your

debit/credit card to be used to make any future payments for your

insurances, then your policy will not renew, and you will need to renew

your policy using the Customer Portal or Live Chat with us if you wish

to maintain cover.

Payment of premiums (including Direct Debits)

Premium Credit Limited (PCL) is the company used by us to provide

direct debit finance to enable its customers to pay for their insurance

by spreading the costs over regular instalments instead of paying the

whole premium up front.

Unless otherwise agreed, payments must be made on their due date

and your cover is only effective from the time we receive payment.

We may cancel or lapse cover where payments are not received on

time.

If you choose to pay by direct debit, you will pay more for your

insurance.Your personal information and the bank details you provide

will be passed to Premium Credit Limited (PCL).

To assess your application for credit, PCL will search public information

that a credit reference agency holds about you. Details of their search

and your application will appear on your record, whether or not your

application proceeds. If you have any questions about your instalments,

contact PCL at www.premiumcredit.co.uk/contact.

At renewal of your insurance policy we will continue to pass your details

to PCL unless you tell us otherwise.

Please refer to your policy documentation or PCL welcome pack for

further details, including your right to cancel under the terms of the

'cooling-off' period.

PCL will tell us if you fail to make payment by direct debit under the

terms of your credit agreement or if you end the agreement.This may

result in your policy being cancelled and any money owed to PCL

under your premium finance agreement will be deducted from any

premium refund from the insurer.

March 2024

If PCL have been paid in full any remaining refund will be used to offset

Europa Group Limited's costs including fees & charges.

One Quote Direct Insurance Services acts as agents of the insurer in

collecting premiums and handling refunds due to clients, such monies

are deemed to be held by the insurer with which your insurance is

arranged. Any interest earned on these monies is retained by One Quote

Direct Insurance Services Limited.

Collection of outstanding payments (and refunds)

You must continue to make payments in full and on time for your

insurances, including after a notification of a claim, or we will commence

cancellation procedures. If within seven calendar days of our notice you

fail to respond, and you have given your permission for your card details

to be used, we will try to collect any outstanding payments owed. If this

fails, or we have not received permission from you, we may pass the

debt to our Debt Collection Agency (for which an additional fee may be

charged). Any costs that they incur in the recovery of the debt will be

added to the amount outstanding. Any refund due to you will be returned

to the debit/credit card we hold on file.Total refunds less than £10 shall

be retained due to administrative costs incurred to process refunds.

Who regulates us?

One Quote Direct Insurance Services Limited trading as Wiser Choice

Insurance Services is an appointed representative of Europa Group

Limited. Europa Group Limited is authorised and regulated by the

Financial Conduct Authority (FCA) registered number 309794.

Our permitted business is introducing, arranging, dealing as agent, and

assisting in the administration and performance of general insurance

contracts.You can check this on the Financial Services Register by

visiting the FCA's website www.fca.org.uk/register or by contacting the

FCA on 0800 111 6768.

Our registered offices are at Europa House, Midland Way, Thornbury,

Bristol, BS35 2JX.

What to do if you have a complaint

Our aim is to get everything right, first time, every time. If a mistake is

10.

made, we will put it right quickly. To start the process of investigating a

complaint all you need to do is Live Chat with us or send us an email to

the address below.

crt@europa-group.co.ukE-Mail:

Available in your Customer PortalLiveChat:

Once your complaint has been received it will be treated with the highest

importance. If you remain dissatisfied, you may be entitled to refer your

complaint to the Financial Ombudsman Service (FOS).

Are we covered by the Financial Ombudsman Service?

Europa Group Limited is covered by the Financial Ombudsman Service

11.

(FOS).The FOS can be contacted at: Financial Ombudsman Service,

Exchange Tower, London, E14 9SR Tel No: 0800 023 4567. Website:

www.financial-ombudsman.org.uk.

Are we covered by the Financial Services Compensation Scheme?

(FSCS)

12.

We are covered by the FSCS.You may be entitled to compensation

from the scheme if we cannot meet our obligations. This depends on

the type of business and the circumstances of the claim. Further

information about compensation scheme arrangements can be obtained

from the FSCS at ww.fscs.org.uk or you can telephone 0800 678 1100.

Data Protection

We are committed to ensuring that your privacy is protected. For details

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about how we use your personal information, please refer to the Privacy

Policy which is available at:

www.wiserchoice.co.uk/privacy-and-cookies/privacy.php

Alternatively, you can request a printed version by writing to the:

Data Protection Officer,

Europa House,

Midland Way,

Thornbury,

Bristol, BS35 2JX

Demands and Needs

Wiser Choice Insurance Services will communicate information clearly

and fairly to ensure you have the information you need to make an

informed decision about your insurance.

14.

When choosing your motor insurance, you provided us with the details

shown on your Statement of Fact. Please check this, together with the

other documentation provided, to ensure the information we collected

is accurate and that the cover we have provided meets your needs.

A Motor Insurance policy meets the demands and needs of a driver

who needs to insure their vehicle to meet the minimum requirements

of the Road Traffic Act. It covers against costs that arise as a result

of the driver causing death or injuries to other people and damage to

their property.

If Third Party Fire & Theft cover is selected, cover extends to include

loss or damage to the insured vehicle caused by fire, theft, or attempted

theft.

If Comprehensive cover is selected, cover further extends to cover

accidental damage and malicious damage to the insured vehicle.

A Motor Legal Expenses policy meets the demands and needs of a

driver who, if involved in a motor accident which is not their fault, will

require:

a loss recovery service (including legal assistance and

representation if necessary to recover any uninsured

losses arising from the accident); and

•

cover against the legal costs (including the costs of the

loss recovery service) incurred in pursuing any claim for

•

recovery of such losses (including any claim for death or

personal injury) to the extent that these costs are not fully

recovered from the other party or their insurers.

UK Breakdown cover meets the demands and needs of customers

who wish to ensure that following a breakdown either at their home

address, or elsewhere within the UK, assistance will be provided to

attempt to repair the vehicle at the roadside or, tow the vehicle to an

onward destination for further repair.

A Replacement Vehicle policy meets the demands and needs of a

customer who requires a replacement vehicle should their vehicle be

immobilised due to fire, an accident that leaves it a write-off, vandalism

or if it is stolen.

An Excess Protection policy meets the demands and needs of a

policyholder seeking to protect the excess they are liable for following

a successful claim under their main motor insurance policy.

A Key Protection policy meets the demands and needs of an individual

wishing to protect themselves against the replacement costs following

the loss or theft of their keys.