, thank you for insuring your with Dial Direct. You are insured until

Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

, thank you for insuring your with

Dial Direct.

You are insured until

Your policy number:

You will need this number if you contact us.

Thank you for choosing your Van Insurance with Dial Direct, please take time to read the enclosed information and if

you have any queries, please contact us.

It is important that the information you provide throughout the quote and duration of the policy is accurate. Failure to

disclose correct and complete information to the best of your knowledge and belief may result in increased premiums,

refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it

never existed.

This policy and other associated documentation is also available in large print, audio, coloured paper and braille. If

you require any of these formats please contact us.

In the meantime here's what you need to do now...

Statement of Insurance Schedule of Insurance

Motor Policy Wording Important Information about Our Insurance

Intermediary Services

Policy Wording for - No Claims Discount Protection, Motor Legal Protection, Courtesy Van and RAC Breakdown

Cover

If any of the items above are missing or incorrect, please call 0344 412 2139.

Proof of your no claims discount

We do not need proof of your no claims discount. However, you should keep a copy of your last renewal notice, proof

of no claims discount or letters showing your proof amount from your previous insurer, as we may ask to see it in the

future.

Emergency UK claims helpline - 24 hours a day, 7

days a week

Courtesy van for up to 7 days

30 days European Union cover included as standard Windscreen cover

Cover for injury to or death of other people Emergency treatment for injuries as a result of an

accident

No Claims Discount Protection

RAC Breakdown Assistance - EU and UK roadside,

recovery, at home and onward travel

Motor Legal Protection

24 Hour UK claims helpline

0344 412 2144

24 hours a day, 7 days a

week. You will need your

policy number and the

policyholder's name and

address.

Windscreen repairs

0330 018 3243

24 hours a day, 7 days a

week.

Customer services

0344 412 2139

Mon to Fri 8am-8pm,

Sat 8am-6pm,

Sun 10am-4pm.

RAC Breakdown Assistance

0330 332 8471

24 hours a day, 7 days a

week.

Visit us online at www.dialdirect.co.uk

to register and log into your Self Service Centre

Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

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Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

If any details are incorrect please call our Customer Services team on 0344 412 2139.

The cost of your policy

Total cash price of your policy (All prices include Insurance Premium Tax

and VAT (where applicable) at the appropriate rate)

Your price has been calculated by 'Us', which includes the cost of your cover

from the underwriter selected from our panel.

('We/Us/Our' - BISL Limited. Authorised and regulated by the Financial Conduct Authority)

How we have calculated the cost of your policy

Your vehicle insurance

Intermediary Services Fee £40.00

NCD Protection

Motor Legal Protection

Breakdown Cover

Total cash price of your policy (as shown above)

Total amount payable

Insurance Premium Tax and VAT have been included at the appropriate rate. These are the only taxes that are applicable on your

price. Where applicable a VAT receipt is available on request.

For information on any fees or charges that may be included in this price, please refer to the Important Information About Our

Insurance Intermediary Services section of your documents.

Your Payments

Amount you've paid to date from the debit card shown below

Account details

Account number ****

Name of account

Sort code

Continuous Payment Authority

To help ensure that your insurance cover continues uninterrupted, we will, where possible, take any future payments which become

due (such as at renewal or where amendments are made to the policy) by using the Continuous Payment Authority you have set up

with us. We will notify you prior to any payments being deducted and you can cancel the Continuous Payment Authority at any time

by contacting us. Please see the Important Information section for more details.

Refunds

We will pay any refund due to the bank account or credit/debit card we hold on file. The minimum amount we will refund is £1,

refunds less than £1 will not be given.

Your contract with BISL Limited ('We/Us/Our')

BISL Limited is an insurance intermediary and you will enter into two

separate contracts when you take out an insurance policy through Us.

The first contract is with Us and sets out the terms and conditions under

which We will arrange and administer your insurance policy on your

behalf and any fee(s) that We shall charge you for providing Our

insurance intermediary services. Use this information to decide if Our

services are right for you.

You will also enter into a separate contract with the insurer for providing

your insurance. Details of the premium charged and the terms and

conditions relevant to the insurance policy are set out in your Welcome

Pack. When you purchase additional products or pay for your policy by

instalments using a fixed sum loan agreement, you will enter into further

contracts with each insurer, supplier or credit provider for these services.

Together the Intermediary Services Fee and insurer premium will form

the cost of the insurance.

Client Money

We act as agent for the insurer for the collection and payment of your

premiums including any additional insurance products you purchase

from us. This means that premiums are treated as being received by the

insurer when they are received by us. Any premium refund is treated as

received by you when it is actually paid to you. We will not pay you the

amount of any interest that we earn from investing your money before

paying it to your insurer.

Your demands and needs

The policy is designed to meet the demands and needs of customers

who wish to insure their motor vehicle against the risk that they have

selected to cover. For example third party risks only, third party fire and

theft or comprehensive cover, as well as any additional services chosen.

We have not provided advice on whether the policy is suitable for your

needs or made any recommendations.

Your additional products and services:

No claims discount protection

Motor Legal Protection

RAC Breakdown Cover

We offer products from a range of insurers for vehicle insurance. We

only offer products from a single insurer or supplier for:

No claims discount protection, arranged & administered by BISL Ltd

Motor Legal Protection, underwritten by RAC Insurance Ltd

RAC Breakdown Cover

What Insurance Intermediary Services will We

provide?

Our insurance intermediary services We provide to you on your behalf

include:

We will arrange your vehicle insurance by selecting a range of prices

from Our panel of insurers that We can offer, We will arrange your

cover with the insurer based on your requirements, We will deal with

your payment and provide you with the details and documentation

relating to your policy.

Deal with your requests for adjustments you have to make to your

policy, such as changes to the cover required, the use and/or vehicle

insured. We will notify the insurer, deal with any amendments of risk

or adjustments of premium required and provide you with

confirmation of any changes to your policy. We may arrange cover

with an alternative insurer if the amendments to your policy are not

acceptable to your original insurer.

We will also arrange the cancellation of your policy at your request,

notify the insurer, deal with any refunds of premium, confirm the

changes to your policy and arrange for the return of documents.

Deal with your requests for any duplicate or replacement

documentation relating to your policy and/or additional products.

We will arrange optional additional add-on products where you

consider these products meet your needs.

We will provide optional additional intermediary services, such as

arranging No claims discount protection (NCDP) with your insurer. In

the event NCDP is selected you will be provided with a separate

contract setting out the terms and conditions upon which it is

arranged and administered and priced.

We will also arrange the renewal of your insurance and additional

products based on your requirements (see Automatic Renewal

section).

Our fees and charges for providing Our insurance

intermediary services to you

We will charge you the following fees where applicable for Our services:

Intermediary services fee

Included in the total cost of your policy is a fee of £40.00 that We charge

you for the separate intermediary services We provide in arranging,

servicing and renewing your Van insurance policy. This fee does not

relate to any of the additional products We may have arranged for you. If

you cancel your policy after 14 days this fee will be non-refundable.

Arrangement fee

If either you or We cancel within 14 days of receiving your policy

documentation We will charge you a fee of £30 plus the cost for the

amount of time you have been covered unless you have made a total

loss claim in which case no refund will be given and all premiums will be

due.

Cancellation fee

If either you or We cancel more than 14 days after receiving your policy

documentation We will charge you a fee of £45 plus the cost for the

period of cover you have benefitted from.

This is providing no claims have been made. If a claim has been made,

or there has been an incident which may lead to a claim, no refund will

be given and all premiums will be due.

If you cancel the additional products taken out with your policy, but not

the main policy within 14 days of receiving your policy documentation,

you will pay for time on cover only. After this time, no refund will be

given. If you cancel the main policy then any additional products taken

out will also be cancelled.

If upon investigation we find that you are no longer eligible for an add-on

product, a refund will be provided on a pro-rata basis.

We have provided you with information on how to cancel your policy in

the cancellation section of your Motor Policy Wording, Section 12. This

clearly sets out Our approach to providing you with a refund of premium

for your time on cover.

We will pay any refund due to the bank account or credit/debit card We

hold on file. The minimum amount We will refund is £1, refunds less than

£1 will not be given.

Amendment fee

If you, or we, make changes to your policy at any time, an amendment

fee of £25 may be charged and the cost of your policy may increase. It is

important to check the information you have provided is correct as

charges may be applied. We have provided you with a list of examples

of the things that We need to know about in Section C of your Motor

insurance policy wording.

Failed payment fee

If you fail to make a payment We will charge you a fee of £20.

Changes in Terms & Conditions

We are entitled to change any of the fees or terms and conditions of this

contract between you and Us, (i) with 30 days notice during the term of

the policy if required by law or regulatory authorities, or (ii) at renewal.

Continuous Payment Authority

When you pay by credit or debit card We will set up a Continuous

Payment Authority (CPA). This allows Us to take your payments

automatically when they are due, including for any amendments you

make and future renewals. This means you don't have to provide new

details for each payment and ensures your insurance continues

uninterrupted. We will always inform the policyholder of any payments

that are due to be taken. We reserve for payments with your bank 2

working days prior to a payment due date and can attempt collection up

to 3 times within this 2-day window. We won't attempt any further

reservations past the payment due date. If We're unable to collect a

payment at any point, We will contact the policyholder. Failed payments

could result in a fee. If applicable, please see the 'Failed payment fee'

section above for details of the fee. The policy may be cancelled if We

don't receive payments that are due. You can cancel the CPA by

contacting Us at any time.

Automatic renewal

Prior to renewal, We will use the details you've given Us to provide you

with a renewal price. We will contact you before the end of your policy

explaining what you need to do. We may automatically renew the policy

where We are able to, using the payment method that you have provided

Us with **** in order to ensure you remain continuously covered. Please

note, if you don't advise Us that you don't want your policy to renew by

the renewal date, We will attempt to take the first payment that is due. If

this payment is declined, you will be charged a failed payment fee if

applicable, please see the 'Failed payment fee' section above for details.

You can ask Us to stop taking payments automatically and opt out of

automatic renewals or change your payment method at any time by

going to your Self Service Centre or contacting Us on: 0344 412

2139.

Compensation

We are covered by the Financial Services Compensation Scheme

(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. Insurance advising and arranging is

covered for 90% of the claim, without any upper limit. For compulsory

classes of insurance, insurance advising and arranging is covered for

100% of the claim without any upper limit.

Further information about compensation scheme arrangements is

available from the FSCS website; www.fscs.org.uk, or write to Financial

Services Compensation Scheme,10th floor, Beaufort House, 15 St

Botolph Street, London, EC3A 7QU.

Who regulates Us

BISL Limited is authorised and regulated by the Financial Conduct Authority

(FCA). Our firm reference number is 308896.

Our permitted business is arranging general insurance contracts which you

can check on the Financial Services register by visiting the website

www.fca.org.uk.

Duration and Choice of Law

The minimum duration of this contract with Us is the duration of your

related insurance policy. This contract will terminate simultaneously with

the termination of your related insurance policy.

These terms and conditions are governed by the laws of England and

Wales unless you and We agree otherwise and such agreement has

been put in writing by Us.

Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

Policy Number : Effective Date : Issue Date :

Important: Please read the following information carefully. You must have answered truthfully all questions relating to your details; those of the

vehicle and of all named drivers on your policy that we asked when your policy started. If any details are incorrect or incomplete, please ring us

WITHIN 7 DAYS of receipt of this document on 0344 412 2139. If we become aware of any changes to the information stated in this Statement

of Insurance then we will update your policy and advise you of any change to your premium or to the terms that the insurer requires and send

you a new Statement of Insurance. Failure to disclose correct and complete information to the best of your knowledge and belief may result in

increased premiums, refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it never

existed.

About you

Title:

Forename(s): Surname:

Full Address: Postcode:

Telephone - Home: Telephone - Work:

Email Address: Homeowner:

About the vehicle

Make, model and engine size:

Type of body: Right hand drive:

Registration mark: Fuel type:

Year of make: Transmission:

Estimated annual mileage: Where the vehicle is parked overnight:

Estimated vehicle value:

Date purchased: Risk address postcode:

Any modification to the manufacturers' original specification e.g. alloy wheels, suspension, bodywork or engine?

Details of the modifications if applicable:

Any security device?

Are you the registered keeper of this vehicle: Full details if applicable:

Who is entitled to drive

Driving restriction:

Details of all drivers

Driver 1

Forename(s):

Date of birth:

Marital status:

Licence type:

Licence date:

Access to another vehicle:

Relationship to proposer:

UK resident:

Surname:

Sex:

Occupation:

Employer's business:

Regular driver:

Has any previous insurance been refused,

voided, cancelled or had special terms

imposed in the last 5 years:

Driver 2

Forename(s):

Date of birth:

Marital status:

Licence type:

Licence date:

Access to another vehicle:

Relationship to proposer:

UK resident:

Surname:

Sex:

Occupation:

Employer's business:

Regular driver:

Has any previous insurance been refused,

voided, cancelled or had special terms

imposed in the last 5 years:

Details of all claims, accidents, thefts or losses regardless of blame in the last 5 years

Driver Date Details Status NCD Affecting

Details of any motoring convictions, driving licence endorsements, fixed penalties, or disqualifications in

the last 5 years

Driver Penalty

points

Disqualified

from driving

Suspension

period (months)

Conviction Conviction code

date

Details of non-motoring convictions for all drivers

Driver Conviction

date

Conviction Sentence

Medical conditions or disabilities

Driver DVLA informed Restricted licence

Cover details

Type of cover: Comprehensive Use required:

Voluntary Excess: £ Note: Additional excesses may apply please see Schedule of Insurance.

This document should be read in conjunction with the Schedule of Insurance and Certificate of Motor Insurance.

No claims discount

Number of years no claims discount entitlement:

If eligible is protected no claims discount required:

Number of years other vehicle no claims discount:

Important notes

You must have answered truthfully all questions relating to your

details; those of the vehicle and of all named drivers on your policy,

that we asked when your policy started. You must also have

truthfully agreed to all statements that we listed in the Statement of

Insurance relating to your policy when it started. You must also

advise us as soon as possible of all changes to this information. It

is an offence under the Road Traffic Act to make any false

statement or withhold any information for the purpose of obtaining

a Certificate of Motor Insurance.

This is an important document and should be read in conjunction

with your Schedule of Insurance, Certificate of Motor Insurance and

Motor Policy Wording.

No cover is in force until a Cover Note or Certificate of Motor

Insurance has been issued by us.

Your authorised insurer :

Address :

The Insurer is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation

Authority. You can check this on the register by visiting the FCA's website www.fca.org.uk.

Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

Important: This document should be read in conjunction with the Motor Policy Wording and Certificate of Motor Insurance.

A new Schedule of Insurance will be issued whenever an amendment is made to your policy.

Policyholder details

Name:

Address:

Policy number:

Period of insurance: Expiry time and date:

Document issued: Reason for Issue:

Vehicle details

Make, model and engine size:

Registration mark:

Estimated vehicle value:

Estimated annual mileage:

Postcode where vehicle is kept:

Overnight location:

Registered keeper:

Cover details

Type of cover:

Use:

Driving restriction:

Comprehensive

People insured to drive

Excesses that apply

Voluntary excess:

Compulsory excess:

Vehicle damage excess:

Glass excess:

£100

Glass repair excess: £25

Replacement locks: £100

Additional excesses may apply while your vehicle is being driven by a young or inexperienced driver. Details of these are:

Drivers aged under 21: £400

Drivers aged 21 to 24: £200

Drivers aged 25 or older who hold a provisional licence or who have held a full driving licence issued

within the territorial limits, the European Union or European Economic Area for less than 12 months:

£150

Sections of the Motor Policy Wording that apply: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17

Policy underwritten by:

Registered address:

Dial Direct is a trading name of BISL Limited. Registered Office: Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG. Registered in England no.

03231094. We are authorised and regulated by the Financial Conduct Authority. We are an independent intermediary dealing with selected insurers. For

mutual security calls are recorded and monitored for training purposes.

Dial Direct Commercial Vehicle Insurance

24 hour claims helpline: 0344 412 2144

Please keep this document safe

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Liability to others ........................................................................

Section 1

Damage to the vehicle .............................................................

Section 2

Fire and theft vehicle ..............................

Section 3

Glass damage .............................................................................

Section 4

Personal belongings .................................................................

Section 5

Medical expenses ......................................................................

Section 6

Personal accident cover .........................................................

Section 7

Replacement locks ....................................................................

Section 8

Driving abroad ............................................................................

Section 9

Emergency transport and accommodation.......................

Section 10

Uninsured driver promise .......................................................

Section 11

No claims discount ....................................................................

Section 12

Cancellation .................................................................................

Section 13

General policy exclusions ......................................................

Section 14

General policy conditions .......................................................

Section 15

......................................................................

A Definitions

Certain words appearing in your policy, which includes the Schedule of Insurance, Certificate of Motor Insurance, Statement of Insurance

and policy wording have been defined and they will have the same meaning wherever they are shown in bold.

Word or Expression Definition

Accessories Additional or supplementary parts of the vehicle not directly related to its function as a vehicle, such as roof

bars, racking, signage whilst in or on the vehicle or held in a locked private garage. Accessories do not

include trailers, personal belongings, mobile telephones, audio, navigation or entertainment equipment.

Approved repairer A facility approved by the Insurer for the repair, damage assessment and/or storage of the vehicle.

Certificate of Motor Insurance The document headed Certificate of Motor Insurance which provides evidence of the existence of motor

insurance as required by the current Road Traffic Act.

Computer system Any computer, hardware, software, application, process, code, program, information technology,

communication system or electronic device operated by the vehicle.

Cyber attack Any unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal acts

regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or

operation of any computer system and data targeting the vehicle.

Data Information, facts, concepts or code used, accessed, processed, transmitted or stored by a computer

system.

Excess(es)

The excess is the amount you must pay towards any claim, this can include both compulsory and voluntary

excesses in which case the Insurer will add them together.

Hazardous goods Any substance within the following United Nations Hazard Classes:

Explosives, organic peroxides, toxic substance, infectious substances or radioactive materials.

Hazardous locations Power stations, nuclear installations or establishments, refineries, bulk storage or production premises in the

oil, gas or chemical industries, ministry of defence premises, military bases, rail trackside and other rail

property, other than in any area designated for access or parking by the general public.

Inexperienced driver Anyone who is aged 25 or older who holds a provisional driving licence or who has held a full UK, European

Union or European Economic Area driving licence for less than 12 months.

Insurer(s) The Insurance Company or Lloyd's syndicate which covers you and whose name is specified in the

Statement of Insurance, Schedule of Insurance and the Certificate of Motor Insurance on whose behalf

this document is issued.

Market value The cost of replacing the vehicle in the UK with another of the same age, condition, make, mileage, model

and specification as the vehicle was just before the loss or damage you are claiming for.

Over the air updates (OTA) Any method of making data transfers to or from the vehicle wirelessly instead of using a cable or other local

connection.

Partner Your husband, wife, civil partner or a person living with you at the same address on a permanent basis

sharing financial responsibilities, as if you were married to them. This does not include business partners,

unless you also have a relationship with them as described in the first sentence.

Period of insurance The length of time that this contract of insurance applies for. This is shown in the schedule unless the

contract is cancelled before the expiry date.

Personal belongings Personal property within your vehicle including clothing, portable audio equipment, multimedia equipment,

personal computers, satellite navigation systems not permanently fitted to your vehicle.

Policy The documents consisting of this contract of insurance wording, the Schedule of Insurance, the Certificate

of Motor Insurance and Statement of Insurance identified by the same policy number.

Regular driver The person named as such in your Schedule of Insurance who you told us is the person who drives the

vehicle the most often.

Risk address The address where the vehicle is normally kept overnight.

Road traffic acts Any Acts, Laws or Regulations which govern the driving or use of any motor vehicle. In Great Britain this is

the Road Traffic Act 1988 and any subsequent amendments thereto or successors thereof.

Schedule of Insurance The latest Schedule of Insurance the Insurer has issued to you. This forms part of the policy, it gives details

of the period of insurance, the premium you have to pay, the vehicle which is covered, details of policy

holder, any extensions or restrictions of cover and details of any excesses.

Statement of Insurance The form that shows the information that you gave us, including information given on your behalf and verbal

information you gave prior to commencement of the policy.

Territorial limits Great Britain, Northern Ireland, the Isle of Man, The Channel Islands including transit by sea, air or land

within and between these countries.

Terrorism Any act that the government of the United Kingdom considers to be an act of terrorism. The use of or threat

of action, force or violence by any person or group of people acting alone or on behalf of any organisation or

government. This could be for political, religious, ideological or similar reasons. This includes trying to

influence any government or intimidate the public.

The vehicle The vehicle specified in the Certificate of Motor Insurance by registration number.

Third party Any person who makes a claim against anyone insured under this policy.

Trailer Any trailer or caravan (other than a mechanically propelled vehicle designed as a mobility aid) that is

attached to the vehicle.

We/Us/Our BISL Limited.

You/Your/Policyholder The person named as the policyholder on your Schedule of Insurance.

Young driver A person under the age of 25 at the time of an event which you or they may be entitled to claim for.

B Policy cover

Your Schedule of Insurance shows the level of cover you have chosen. The cover and policy sections of this wording applicable are shown

below.

Section name Cover applicable

Comprehensive Third party fire and

theft

Third party only

Section 1 : Liability to others

Section 2 : Damage to the vehicle

Section 3 : Fire and theft

Section 4 : Glass damage

Section 5 : Personal belongings

Section 6 : Medical expenses

Section 7 : Personal accident cover

Section 8 : Replacement locks

Section 9 : Driving abroad

Section 10 : Emergency transport and

accommodation

Section 11 : Uninsured driver promise

Section 12 : No claims discount

Section 13 : Cancellation

Section 14 : General policy exclusions

Section 15 : General policy conditions

C Important customer information

You must tell us straight away if anything changes to the information

contained in the Statement of Insurance. If you do not tell us about

changes, this may result in increased premiums, refusal of a claim or not

being fully paid, your policy being cancelled or being made null & void and

treated as if it never existed. Examples of the changes you need to tell us

about are listed below. This list is not exhaustive, if you are unsure about

whether to tell us about something please call us on 0344 412 2139 to

check:

You sell the vehicle.

Change the vehicle or its registration number.

You change your address or change the risk address.

The vehicle is modified or changed in any way from the manufacturer's

original specification (including but not limited to: optional fit extras, vinyl

wraps, sign writing, alloy wheels, suspension, bodywork, engine, audio,

video and satellite navigation equipment).

You want to add or remove a driver.

There is a change in the regular driver of the vehicle.

There is a change in the purpose the vehicle is used for.

There is a change in estimated annual mileage.

Anyone who drives the vehicle passes their driving test or has their

driving licence revoked.

Anyone who drives the vehicle receives a motoring conviction.

Anyone who drives the vehicle has a criminal conviction.

Anyone who drives the vehicle changes occupation, starts a new job

(including any part-time work) or stops work.

Anyone who drives the vehicle develops a health condition, which

requires notification to the DVLA, or an existing condition worsens. You

can find additional information in the driving and transport section of

www.gov.uk or pick up leaflet D100 from the Post Office.

The vehicle is involved in an accident or fire, or someone steals,

damages or tries to break into it.

Anyone who drives the vehicle is involved in any accident or has a

vehicle damaged or stolen.

Anyone who drives the vehicle has insurance refused, cancelled or had

special conditions applied.

You plan to take the vehicle abroad.

Please note that any amendments to your policy may result in a change to

your policy terms and conditions, including your excess. The changes are

subject to Insurer acceptance, an additional premium may also be payable.

D Making a claim

We must be notified as soon as possible of any accident or loss involving the

vehicle or any other incidents which may lead to a claim by you or by a third

party, such as bodily injury or property damage.

What to do if you have an accident

In the unfortunate event that you are involved in an accident, please take the

following simple steps;

Don't leave the accident scene.

Call the emergency services if anyone is injured.

Obtain the details of all witnesses.

Note the details of the third party, including name, address, vehicle

registration number, the name of their insurance company and their policy

number.

Note the details of the passengers including name and address.

Take pictures of the accident scene and damaged vehicles/property.

Sketch a rough diagram of the accident scene.

Do not admit liability, seek settlement or offer to negotiate.

Report the accident to us as soon as possible on 0344 412 2144.

What to do if your vehicle is subject to a theft,

attempted theft or malicious damage

Call the police and obtain a crime reference number.

Report the incident to us as soon as possible on 0344 412 2144.

What to do if your vehicle windscreen or window

glass is broken or damaged

If you have comprehensive cover and your claim is for the car

windscreen, side or rear windows, or the sunroof, please contact our

claims department on 0330 018 3243. Claims under this section will not

affect your no claims discount. The glass excess shown in the Schedule

of Insurance will be payable.

If you do not have comprehensive cover, you can still call the glass

provider but you will have to pay the cost of the replacement or repair.

How to notify us of a claim

To report a claim or for claims enquiries call us on 0344 412 2144. We will

ask you a number of questions over the phone so please make sure you

have the following information if available when you call such as:

Policy number.

Date, time and description of the incident.

Details of any third party involved including name, address, vehicle

registration, the name of their insurance company and their policy

number.

Name and address of any witnesses.

If the police were in attendance, the incident reference number.

We will usually be able to take all the information to allow the Insurer to

handle your claim efficiently within one phone call. However we or your

Insurer may need to contact you again to check certain aspects of your

claim or in exceptional circumstances require that you complete a claim form.

E Contract of insurance

This Policy gives details of your cover and it should be read along with your

Statement of Insurance, Schedule of Insurance and Certificate of Motor

Insurance.

Please take time to read through these documents which contain important

information about you, the cover and the details you have given. You should

also show your policy to anyone else who is covered under it.

It's important that you check the information you have provided and notify us

immediately of any changes to these details. Failure to disclose correct and

complete information to the best of your knowledge and belief may result in

increased premiums, refusal of a claim or not being fully paid, your policy

being cancelled or being made null & void and treated as if it never existed.

You are required to update us with any changes to the information contained

within your Statement of Insurance.

In return for your premium, the Insurer will provide the cover under the terms

and conditions shown in your policy within the territorial limits during the

Period of Insurance. The parties to this contract are you and the Insurer.

Nothing in this contract shall create any rights to third parties under the

Contracts (Rights of Third Parties) Act 1999 and no variation of this contract,

nor any supplemental or ancillary agreement, shall create any such rights

unless expressly so stated. This does not affect any right or remedy of a third

party which exists or is available apart from this Act.

Financial Services Compensation Scheme (FSCS)

If the Insurer cannot meet its liabilities, you may be entitled to compensation

from the Financial Services Compensation Scheme. Claims for compulsory

insurance, such as third party motor insurance, are covered in full.

Any claims made to the Financial Services Compensation Scheme for

non-compulsory (optional) insurance, such as damage to the covered

vehicle, and for any unused premium, are covered up to 90% of the value of

the claim submitted. You can get more information from the Financial

Services Compensation Scheme at www.fscs.org.uk or by calling 0800 678

1100.

Authorisation

The authorised insurer is: NIG. NIG policies are underwritten by U K

Insurance Limited.

The Insurer is authorised by the Prudential Regulation Authority and

regulated by the Financial Conduct Authority and Prudential Regulation

Authority. You can check this on the register by visiting the FCA's website

www.fca.org.uk.

The law applicable to this policy

You are free to choose the law applicable to this policy. Your policy will be

govered by the law of England and Wales unless agreed otherwise. We will

provide the terms and conditions of this policy for the Period of Insurance,

and any subsequent communication between you and us, whether verbal or

written, will be in the English language.

1 Liability to others

What is covered under this section

The Insurer will pay for:

Costs and expenses that you are legally liable to pay as a result of any

one accident involving your vehicle causing or resulting in Death of or

bodily injury to any person.

Damage to someone else's property resulting from any accident involving

your vehicle or loading or unloading of your vehicle.

Cyber Liability Cover

Following a cyber attack the insurer will pay any amounts you may legally

have to pay, under the Road Traffic Act subject to the limits stated under

Section 1 for causing death or bodily injury to other people or property

damage due to:

1. The use of, or failure of, any application, software or program in

connection with the vehicle (including any driver assistance, safety or

security systems);

2. Any computer virus, ransomware, code or software affecting any

electronic systems fitted to the vehicle by the original vehicle manufacturer;

3. Any threat, deception or hoax relating to 1 and/or 2 above; subject to the

terms, conditions, limitations and exclusions of this policy.

Legal costs

In the event of an accident covered by this section and subject to the

Insurer's prior agreement, the Insurer will pay for the following at your

request:

Solicitors' fees for representation at any coroner's inquest, fatal accident

inquiry or magistrates court (including a court of equal status in any

country within the territorial limits).

Legal costs for defending a charge of manslaughter or causing death by

dangerous or careless driving.

Any other costs and expenses for which the Insurer has given prior

agreement.

If anyone who is covered by this section dies while they are involved in legal

action, the Insurer will give the same cover as they had to their legal

personal representatives.

Emergency treatment

The Insurer will pay for the cost of any emergency treatment or hospital

treatment which you incur under the Road Traffic Acts for injuries arising out

of any accident involving any vehicle which this policy covers. If this is the

only payment made, it will not affect your no claims discount.

Towing

You are covered while any vehicle covered by this policy is towing a trailer,

or broken down vehicle. The cover will apply as long as the towing is allowed

by law, and the trailer or broken down vehicle is attached properly by towing

equipment made for this purpose.

Cover for other users of your vehicle

The Insurer will provide the same cover, for liability to third parties to:

Anyone travelling in, or getting into or out of the vehicle.

Anyone driving the vehicle with your permission, as long as your

Certificate of Motor Insurance shows that they are allowed to drive the

vehicle. The person driving must not be excluded by any

endorsement, exception or condition.

Anyone using (but not driving) the vehicle with your permission for social

domestic and pleasure purposes.

What is not covered under section 1

The Insurer will not pay for;

Any sum above £2,000,000 for damage to other people's property

(including any related indirect loss). Costs and expenses incurred are

covered but the combined limit for property damage, costs and expenses

for any one event giving rise to a claim or a series of claims is limited to

£5,000,000.

Any sum in excess of £1,000,000 inclusive of all cost for any one claim or

series of claims arising from one event causing loss or damage to

property whilst the vehicle is at hazardous locations.

If at the time of the accident you are aware that the driver has never held

a licence to drive the vehicle, or is disqualified from having such a

licence, unless a licence to drive is not required by law.

Damage to property owned by or held in trust by or in the custody or

control of any person who is covered by this policy.

Any damage to any vehicle in connection with which cover is provided by

this section.

Loss or damage to any bridge, weighbridge, viaduct, road or any other

surface over which the vehicle is being driven.

Any liability in respect of death, injury or damage caused or arising

beyond the limits of the carriageway or thoroughfare in connection with:

The bringing of the load to the vehicle for loading thereon or

The taking away of the load from the vehicle after unloading.

Any liability when a trailer or broken down vehicle is being towed for

profit.

Liability for death or injury to any employee of the person covered arising

during the course of their employment except where required by law.

Any claim resulting from carrying, preparing, selling or supplying of any

goods food or drink from the covered vehicle.

Any liability for death, injury or damage resulting from the covered vehicle

or of machinery attached to it, being used as a tool of trade.

Any amount the Insurer has not agreed to in writing.

Anyone who does not keep to the terms of this policy as far as they can

apply.

Damage to or loss of property being carried in or on the trailer, or broken

down vehicle.

Any liability incurred while the trailer, or broken down vehicle is not

attached.

Damage to or loss of the trailer or property being carried in or on the

trailer, or broken down vehicle.

Cover will not apply to any person claiming under this section who can

claim under another policy.

2 Damage to the vehicle

What is covered under this section

The Insurer will pay for:

This section provides you with cover for loss or damage to the vehicle and

its accessories caused by accidental or malicious damage, or vandalism.

The Insurer will decide either to pay;

To have the damage repaired, or,

To replace what is lost or damaged if this is more cost effective than

repairing it, or,

If the Insurer is aware that the vehicle belongs to a third party and has

agreed to provide cover on that basis or the vehicle is subject to a hire

purchase or leasing agreement, the Insurer may, in the event of the

vehicle's total loss or destruction, pay the third party, hire purchase or

leasing company in the first instance.

You an amount equal to the loss or damage.

If the Insurer's estimate of the market value is more than the amount owed

any balance will be paid to you.

The Insurer will not pay more than the market value of the vehicle at the

time of the loss less the total of the excesses shown in your Schedule of

Insurance.

The Insurer will also pay reasonable costs for the protection, removal and

storage of the vehicle following an accident and delivery after repair to your

risk address.

The Insurer may use warranted replacement parts or recycled parts which

are not supplied by the manufacturer of the vehicle but will be of a similar

standard. If suitable replacement parts are not available the Insurer will pay

the manufacturer's last list price.

New vehicle benefit

The insurer will replace the vehicle with one of the same make, model and

specification if;

The loss or damage happens within twelve months from the date the

vehicle was first registered; and

You, or your partner, are the first and only registered keeper of the

vehicle (or the second registered keeper if the first registered keeper is

the manufacturer or supplying dealer and the delivery mileage is under

250 miles); and

You, or your partner, have owned the vehicle (or it has been hired to

you, or your partner, under a hire-purchase or leasing agreement) since

it was first registered as new (or you are the second owner if the first

owner is the manufacturer or supplying dealer and the delivery mileage is

under 250 miles); and

The cost of repair is valued at more than 50% of the cost of buying an

identical new vehicle at the time of the loss or damage (based on the

United Kingdom list price); and

The vehicle was supplied as new from within the territorial limits.

In these circumstances, if you ask the insurer to they will replace the

vehicle (and pay reasonable delivery charges) with a new vehicle of the

same make, model and specification.

The insurer can only do this if a replacement vehicle is available in the

territorial limits and anyone else who has an interest in the vehicle agrees.

If a replacement vehicle of the same make, model and specification is not

available, the insurer will, where possible, provide a similar vehicle of

identical list price.

If this is not acceptable to you, the insurer will not pay more than the market

value of the vehicle at the time of the loss.

Vehicle audio, navigation and entertainment

equipment

The Insurer will also cover the cost of replacing or repairing the vehicle's

audio, navigation and entertainment equipment up to the following amounts:

Unlimited for equipment fitted as original equipment by the manufacturer;

£500 for any other equipment not fitted by the manufacturer, provided it is

permanently fitted to the vehicle.

Approved repairer

If the damage to the vehicle is covered under your policy and it is repaired

by an approved repairer, you do not need to obtain any estimates and

repairs can begin immediately after the Insurer has authorised them. The

Insurer will arrange for one of the Insurer's repairers to contact you to

arrange to collect the vehicle. Repairs made by the Insurer's approved

repairers are guaranteed for three years.

At your option, you can arrange for a repairer of your choice to carry out the

repairs. You must send the Insurer at least two detailed repair estimates and

full details of the incident as soon as reasonably possible. The Insurer will

only be liable for the repair costs at a non-approved repairer if the Insurer

has agreed that the costs are reasonable and the Insurer has issued an

authorisation to the repairer. The Insurer may need to inspect the vehicle.

The Insurer reserves the right to ask you to obtain alternative estimates and

the Insurer may not pay you more than their approved repairer would have

charged them for the repair of the vehicle.

What is not covered under section 2

The Insurer will not pay for:

Loss of or damage to the vehicle caused by fire, theft or attempted theft.

The excesses shown in your Schedule of Insurance. You must pay

these amounts for every incident that you claim for under this section,

more than one excess can apply.

The excesses, if the vehicle is damaged while it is being driven by a

young driver or inexperienced driver.

These excesses are as follows and are additional to any other excess

referred to in this policy

Drivers aged under 21 £400

Drivers aged 21 to 24 £200

Inexperienced driver £150.

Loss of keys, or damage to keyless entry system devices, and resultant

replacement of locks other than covered in section 8.

Loss of or damage to tapes, compact and mini discs, DVD's and other

portable media storage devices or any data stored on these devices

(including reinstatement of this data).

Loss or damage to the vehicle and/or its contents as a result of someone

taking it by fraud or trickery.

Loss or damage occurring outside of the territorial limits where the trip

exceeds 30 days duration or for any period outside the European Union or

EEA unless extended cover for such use is arranged in advance and the

premium for such an extension is paid.

Any losses that are not directly associated with the incident that caused

you to claim, unless expressly stated in this policy.

Loss or damage deliberately caused by any person entitled to

be covered under this policy or any person acting on their behalf.

Loss or damage resulting from incorrectly maintaining or fuelling the

vehicle or from the use of substandard fuel, lubricants or parts.

Loss of or damage to the vehicle caused by a person known to you

taking the vehicle without your permission, unless that person is reported

to the police for taking the vehicle without your permission.

Costs resulting from loss of use of the vehicle.

Any reduction in the market value of the vehicle following repair.

Any part of the cost of repair or replacement which improves the vehicle

or its accessories beyond its condition immediately before the loss or

damage occurred.

Loss or damage to the vehicle which arises as a result of any agreement

or transaction involving the vehicle.

Loss or damage to any trailer, or their contents, being towed by the

vehicle.

Loss or damage to your vehicle as a result of:

Legal repossession

Return to its rightful owner

Seizure by police or their authorised representatives.

Loss or damage to in vehicle audio, television, DVD, phone,

games-console, or electronic navigation, unless these items are

permanently fitted to the vehicle.

Loss or damage caused by wear and tear or depreciation.

Loss or damage caused by any mechanical, electrical, electronic

computer or computer software failures, breakdowns, faults or breakages.

Loss or damage arising directly or indirectly from water freezing in the

cooling system of the vehicle.

Damage caused by the process of cleaning, modification, repairing or

restoring or by any gradually operating cause.

Damage to tyres caused by braking, punctures, cuts or bursts not as a

direct result of an accident.

Any storage charges unless you tell the Insurer about them and unless

the Insurer agree in writing to pay for them.

Any increase in damage as a result of the vehicle being moved under its

own power unless for safety reasons following an incident.

Costs of importing parts or accessories or storage costs caused by

delays, where the parts or accessories are not available from current

stock within the territorial limits.

Any amount over the cost shown in the manufacturer's latest price guide,

plus reasonable fitting costs, for any lost or damaged parts or

accessories if such parts or accessories are not available.

Broken windows or windscreens (including any resulting scratched

bodywork) if this is the only damage to the vehicle (see section 4 - Glass

damage).

Any damage caused internally by malicious damage or vandalism where

the vehicle has not been secured.

3 Fire and theft damage to the vehicle

What is covered under this section

The Insurer will pay for:

This section provides you with cover for loss or damage to the vehicle and

its accessories caused by fire, theft or attempted theft.

The Insurer will decide either to;

Pay to have the damage repaired, or

Pay to replace what is lost or damaged if this is more cost effective than

repairing it; or

Pay you an amount equal to the loss or damage.

The Insurer will also pay reasonable costs for the protection, removal and

storage of the vehicle following either fire or theft and delivery after repair to

your risk address.

The Insurer may use warranted replacement parts or recycled parts which

are not supplied by the manufacturer of the vehicle but will be of a similar

standard. If suitable replacement parts are not available the Insurer will pay

the manufacturer's last list price.

If the Insurer is aware that the vehicle belongs to a third party and has

agreed to provide cover on that basis or the vehicle is subject to a hire

purchase or leasing agreement, the Insurer may, in the event of the

vehicle's total loss or destruction, pay the third party, hire purchase or

leasing company in the first instance.

If the Insurer's estimate of the market value is more than the amount owed

any balance will be paid to you.

The Insurer will not pay more than the market value of the vehicle at the

time of the loss less the total of the excesses shown in your Schedule of

Insurance.

New vehicle benefit

The insurer will replace the vehicle with one of the same make, model and

specification if;

The loss or damage happens within twelve months from the date the

vehicle was first registered; and

You, or your partner, are the first and only registered keeper of the

vehicle (or the second registered keeper if the first registered keeper is

the manufacturer or supplying dealer and the delivery mileage is under

250 miles); and

You, or your partner, have owned the vehicle (or it has been hired to

you, or your partner, under a hire-purchase or leasing agreement) since

it was first registered as new (or you are the second owner if the first

owner is the manufacturer or supplying dealer and the delivery mileage is

under 250 miles); and

The cost of repair is valued at more than 50% of the cost of buying an

identical new vehicle at the time of the loss or damage (based on the

United Kingdom list price); and

The vehicle was supplied as new from within the territorial limits.

In these circumstances, if you ask the insurer to they will replace the

vehicle (and pay reasonable delivery charges) with a new vehicle of the

same make, model and specification.

The insurer can only do this if a replacement vehicle is available in the

territorial limits and anyone else who has an interest in the vehicle agrees.

If a replacement vehicle of the same make, model and specification is not

available, the insurer will, where possible, provide a similar vehicle of

identical list price.

If this is not acceptable to you, the insurer will not pay more than the market

value of the vehicle at the time of the loss.

Vehicle audio, navigation and entertainment

equipment

The Insurer will also cover the cost of replacing or repairing the vehicle's

audio, navigation and entertainment equipment up to the following amounts:

Unlimited for equipment fitted as original equipment by the manufacturer;

£500 for any other equipment not fitted by the manufacturer, provided it is

permanently fitted to the vehicle.

Approved repairer

If the damage to the vehicle is covered under your policy and it is repaired

by an approved repairer, you do not need to obtain any estimates and

repairs can begin immediately after the Insurer has authorised them. The

Insurer will arrange for one of their repairers to contact you to arrange to

collect the vehicle. Repairs made by the Insurer's approved repairers are

guaranteed for three years.

At your option, you can arrange for a repairer of your choice to carry out the

repairs. You must send the Insurer at least two detailed repair estimates and

full details of the incident as soon as reasonably possible. The Insurer will

only be liable for the repair costs at a non-approved repairer if the Insurer

has agreed that the costs are reasonable and the Insurer has issued an

authorisation to the repairer. The Insurer may need to inspect the vehicle.

The Insurer reserve the right to ask you to obtain alternative estimates and

they may not pay you more than their approved repairer would have

charged them for the repair of the vehicle.

What is not covered under section 3

The Insurer will not pay for:

The excesses shown in your Schedule of Insurance. You must pay

these amounts for every incident that you claim for under this section,

more than one excess can apply.

Loss or damage caused by theft or attempted theft if the keys or lock

transmitter or entry card from the keyless entry system are left in or on the

vehicle whilst you are not in the vehicle.

Loss of keys, keyless entry system devices, tapes, compact and mini

discs, DVD's and other portable media storage devices.

Loss or damage whilst you are not in the vehicle caused by theft or

attempted theft if the vehicle is left without being properly locked and/or if

any window, roof opening, removable roof panel or hood is left

open or unlocked.

Loss or damage if any approved security or tracking device, which you

have told us is, or will be, fitted to the vehicle has not been set or is not in

full working order, or if the network subscription for the maintenance or air

time contract of any tracking device is not current at the time of loss.

Loss or damage to the vehicle and/or its contents as a result of someone

taking it by fraud or trickery.

Loss of or damage to the vehicle by theft, attempted theft unless this has

been reported to the police and a crime reference number obtained.

We will not pay for any losses that are not directly associated with the

incident that caused you to claim, unless expressly stated in this policy.

Loss or damage deliberately caused by any person entitled to be covered

under this policy or any person acting on their behalf.

Loss or damage resulting from incorrectly maintaining or fuelling the

vehicle or from the use of substandard fuel, lubricants or parts.

Loss of or damage to the vehicle caused by a person known to you

taking the vehicle without your permission, unless that person is reported

to the police for taking the vehicle without your permission.

Costs resulting from loss of use of the vehicle.

Any reduction in the market value of the vehicle following repair.

Any part of the cost of repair or replacement which improves the vehicle

or its accessories beyond its condition immediately before the loss or

damage occurred.

Loss or damage to the vehicle which arises as a result of any agreement

or transaction involving the vehicle such as vehicle service, MOT or

valet.

Loss or damage to any trailer, or their contents, being towed by the

vehicle.

Loss or damage to your vehicle as a result of:

Legal repossession

Return to its rightful owner

Seizure by police or their authorised representatives.

Loss or damage to in vehicle audio, television, DVD, phone,

games-console, or electronic navigation, unless these items are

permanently fitted to the vehicle.

Loss or damage caused by wear and tear or depreciation.

Loss or damage caused by any mechanical, electrical, electronic

computer or computer software failures, breakdowns, faults or breakages.

Loss or damage arising directly or indirectly from water freezing in the

cooling system of the vehicle.

Damage by frost.

Damage caused by the process of cleaning, modification, repairing or

restoring or by any gradually operating cause.

Damage to tyres caused by braking, punctures, cuts or bursts not as a

direct result of an accident.

Any storage charges unless you tell the Insurer about them and the

Insurer agree in writing to pay for them.

Any increase in damage as a result of the vehicle being moved under its

own power unless for safety reasons following an incident.

Costs of importing parts or accessories or storage costs caused by

delays, where the parts or accessories are not available from current

stock within the territorial limits.

Any amount over the cost shown in the manufacturer's latest price guide,

plus reasonable fitting costs, for any lost or damaged parts or

accessories if such parts or accessories are not available.

4 Glass damage

What is covered under this section

The Insurer will pay for:

If the glass in the front windscreen, sunroof, side or rear windows of the

Vehicle is damaged during the period of insurance the Insurer will pay the

cost of repairing or replacing it. The Insurer will also pay for any repair to the

bodywork of the Vehicle that has been damaged by broken glass from the

windscreen or windows. Windscreen recalibration costs are covered under

this section when using an approved repairer, subject to glass provider terms

and conditions.

If the repair or replacement is carried out by one of our approved

repairers, cover is unlimited subject to the amount not being greater

than the market value of the vehicle (to contact one of our approved

repairers please call 0344 412 2144).

If you choose to use your own supplier, then cover will be limited to £100

after taking off any windows glass excess as shown in your Schedule of

Insurance.

A claim solely under this section will not affect your no claims discount.

The Insurer will not pay for:

The glass excess shown in your Schedule of Insurance.

Loss of use of the vehicle.

Repair or replacement of any windscreen or window not made of glass.

The cost of importing parts or storage costs caused by delays where the

parts are not available from stock within the territorial limits.

5 Personal belongings

What is covered under this section

The Insurer will pay for:

Personal belongings, which are lost or damaged following an accident, fire,

theft or attempted theft involving the vehicle up to a maximum of £200 per

claim.

What is not covered under section 5

The Insurer will not pay for:

Loss or damage caused by wear and tear or depreciation.

Loss of, theft of or damage to whilst you are not in the vehicle if the

vehicle is left without being locked and/or if any window, roof opening,

removable roof panel or hood is left open or unlocked.

Money, credit or debit cards, stamps, tickets, vouchers, documents and

securities.

Goods, tools or samples carried in connection with any trade or business.

Loss of or damage to any radar detection equipment.

Loss of or damage to telephone or other communication equipment.

The cost of reinstating data from portable audio equipment, multi-media

equipment, communication equipment, personal navigation and radar

detection systems.

6 Medical expenses

What is covered under this section

The Insurer will pay for:

The medical expenses for each person who suffers any injury arising from an

accident while the person is in the vehicle. Up to a maximum of £200 for

each person injured.

7 Personal accident cover

What is covered under this section

If you or your partner are accidentally killed or injured in the European Union

or EEA while you are travelling in or getting out of the vehicle.

The Insurer will pay the following;

For death - £5,000

For the total and irrecoverable loss of sight in one or both eyes - £5,000

For the permanent loss (at above the wrist or ankle) of use of one or more

hands or feet - £5,000

The Insurer will only pay these amounts if the death or loss happens within 3

calendar months of the accident.

What is not covered under section 7

The Insurer will not pay for;

More than £10,000 per claim.

Death or injury to any person not wearing a seat belt when required to by

law.

Any intentional self injury, suicide or attempted suicide.

Any injury or death arising wholly or in part from any natural or inherent

disease or medical condition.

Any injury or death to any person driving at the time of the accident who is

found to have a higher level of alcohol or drugs in their body than is

allowed by law.

While you or your partner has any other vehicle insurance policy with

the Insurer, they will only pay the benefit under one policy only.

8 Replacement locks

What is covered under this section

If the lock transmitter, keys or other ignition activation device to the vehicle

are lost or stolen.

The Insurer will pay for:

A maximum of £500 under this section towards the cost of replacing the

following;

The door locks and/or boot lock;

Ignition/steering lock;

The keys or ignition activation device or the lock transmitter and central

locking interface;

The reasonable cost of protecting the vehicle, transporting it to the

nearest repairers when necessary and delivering it after repair to your

address.

Provided it can be established that the identity or the risk address of the

vehicle is likely to be known to any person in receipt of such items.

What is not covered under section 8

The Insurer will not pay for:

The first £100 of any claim; or

Any claim where the keys, lock activation device or the lock transmitter

and central locking interface are either:

Left in or on the vehicle at the time of the loss; or

Taken without your permission by a person known to you, unless

that person is reported to the police.

9 Driving abroad

What is covered under this section

The insurer will provide the minimum insurance required by law while you or

any driver covered by this policy are using the vehicle within the following

countries: Andorra, Austria, Belgium, Bosnia & Herzegovina, Bulgaria,

Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France

(inclusive of Monaco), Germany, Greece, Hungary, Iceland, Ireland, Italy

(inclusive of San Marino and the Vatican), Latvia, Liechtenstein, Lithuania,

Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania,

Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

For customers with a registered address in Great Britain:

The insurer will also provide the cover shown on your Schedule of

Insurance for up to 30 days in any period of insurance while you are using

the vehicle within the countries referred to above.

For customers with a registered address in Northern Ireland:

The insurer will also provide the cover shown on your Schedule of

Insurance for travel in the Republic of Ireland during the period of

insurance. For other countries listed, the cover shown on your Schedule of

Insurance is limited to 30 days in any period of insurance while you are

using the vehicle within the countries referred to above.

If you are travelling to any of the countries referred to above, you are not

required to carry a printed International Motor Insurance Card (Green Card).

Legal evidence of your cover is shown on the reverse of your Certificate of

Motor Insurance.

The insurer may agree to extend the cover for more than 60 days as long as:

The vehicle is registered within the territorial limits; and is used in

accordance with Road Traffic Acts; and

Your main permanent home is within the territorial limits; and Your visit

abroad is only temporary; and

You request extended cover from us before you leave; and

You pay any additional premium we ask for.

If you want to extend your policy to give the same cover in a country outside

the countries referred to above, you must:

Tell us before you leave; and

If the insurer agrees, pay any additional premium we ask for where

applicable.

If the insurer agrees to your request, the insurer will issue you with a

Green Card as legal evidence of this cover for the vehicle. In addition, if

you intend to tow a caravan or trailer, they may also issue a Green Card

for the trailer or caravan.

If you wish to extend the cover for more than your specified days or travel to a

country not referred to above, please contact Customer Services on the

telephone number shown in your policy documents at least 21 days prior to

the first day of travel. If your planned travel is due to commence in less than

21 days, please let us know as soon as possible so that we can best assist

you.

The insurer will also pay customs duty if the vehicle is damaged and the

insurer decides not to return it after a valid claim on the policy.

Cover also applies while the vehicle is being carried between sea or airports

or railway stations within these countries, as long as this travel is by a

recognised sea, air or rail route.

Please visit www.mib.org.uk and www.gov.uk/driving-abroad for more

information about driving abroad.

What is not covered under section 9

If your Certificate of Motor Insurance allows a specific driver to drive any

other vehicle, that cover does not apply outside of the territorial limits.

10 Emergency transport and accommodation

What is covered under this section

If you are not able to drive the vehicle as a result of an accident which is

covered under section 2 or 3 of this policy, your insurer will assist with

getting you and your passengers to a safe location. Your insurer will also

pay you up to £100 per person in respect of:

Alternative travel expenses for you and all occupants of the vehicle to

reach your destination; and/or

Emergency overnight accommodation for you and all occupants of your

vehicle when an unplanned overnight stay is necessary.

What is not covered under this section

More than £500 per incident.

Reimbursement for the purchase of any drinks, meals, clothing, toiletries,

newspapers or telephone calls.

Any additional costs incurred for the transportation of any goods carried

within the vehicle

Coverage outside the territorial limits of your policy.

11 Uninsured driver promise

If the vehicle is involved in an accident that was not your fault and caused

by an uninsured motorist your insurer will refund the cost of your excess.

You must provide:

The vehicle registration and the make/model of the third party vehicle.

12 No claims discount (NCD)

If you do make a claim during the Period of Insurance, your no claims

discount will be reduced at the next renewal date in accordance with the

scale shown below.

The following will not affect your no claims discount:

Payments made under Section 4 - Glass damage of this policy.

Payments made under Emergency treatment (Section 1) of this policy.

Claims where you were not at fault, as long as the Insurer has recovered

all that the Insurer has paid from those who were responsible.

Your no claims discount cannot be transferred to another person or used on

more than one policy at the same time.

You should note any change in the level of your no claims discount is no

guarantee that your premium will not rise.

13 Cancellation

How to cancel your policy

You must contact us if you wish to cancel your policy. Our contact details

are on the reverse of your Certificate of Motor Insurance.

We will cancel your policy either from the date you contact us, or from any

later date you specify. The policy cannot be cancelled from an earlier date.

If you are paying your premiums by instalments, you must still pay us any

balance of premium due. Cancelling any direct debit instruction does not

mean you have cancelled the policy. You will still need to follow the

instructions above.

In the event of cancellation, the relevant fees shown in the Important

Information about Our Insurance Intermediary Services document will apply.

Cancellation by you within the first 14 days

If you cancel your policy within 14 days of the date you receive your policy

documents we will refund a percentage of the premium calculated on a daily

pro rata basis equivalent to the period of cover left unused, providing no

claims have been made. If a claim has been made, or there has been an

incident which may lead to a claim, no refund of premium will be

given and all premiums would be due.

Cancellation by you after the first 14 days

If you cancel this policy after the 14-day period we will refund a percentage

of the premium calculated on a daily pro rata basis equivalent to the period of

cover left unused, providing no claims have been made. If a claim has been

made, or there has been an incident which may lead to a claim, no refund of

premium will be given and all premiums would be due.

Where we cancel your policy

We may cancel your policy if there are serious grounds to do so such as

non-payment, failure to supply requested validation documentation (proof of

No Claims Discount, Security etc) you have provided us with incorrect

information and you have failed to provide a remedy when requested or you

behave in a threatening, abusive or inappropriate manner towards our staff,

our representatives or providers. Where we cancel we will provide seven

days' prior written notice to your last known address unless we are required

to cancel earlier. If we cancel your policy we will refund a percentage of the

premium calculated on a daily pro rata basis equivalent to the period of cover

left unused, providing no claims have been made. If a claim has been made,

or there has been an incident which may lead to a claim, no refund of

premium will be given and all premiums would be due.

If we cancel your policy on the grounds of fraud, cancellation may be

immediate and we may keep any premium you have paid. We may also

inform the police of the circumstances.

14 General policy exclusions

You are not covered under your policy for any of the following;

Contracts

Any claim as a result of an agreement or contract unless it is one the Insurer

would have been liable for anyway.

Who uses the vehicle

Any injury, loss or damage which takes place while the vehicle is being:

Driven by or in the charge of any person not covered by your Certificate

of Motor Insurance; or

Used other than for the purposes allowed on your Certificate of Motor

Insurance; or

Driven by or in the charge of any person who does not hold or comply with

the conditions of a valid licence to drive such a vehicle in the country

within which the incident occurred.

Driven by or in the charge of any person that, at the time of the accident

is:

1. Convicted of driving while under the influence of alcohol or drugs,

whether prescribed or otherwise.

2. Fails to provide a sample of breath, blood or urine when required

to do so, without lawful reason.

We have the right to recover from you any amounts which we pay before

such conviction or which we are required to pay by law.

This exception does not apply if the vehicle is;

Being serviced or repaired by a member of the motor trade.

Stolen or being taken away without your permission; or

Being parked by an employee of a hotel or restaurant as part of a

vehicle-parking service.

Confiscation

Any loss or damage resulting from confiscation, nationalisation, requisition or

destruction by or under the order of any government or public or legal

authority.

Track days and off road events

Any liability, loss or damage resulting from the use of the vehicle at any

event during which the vehicle may be driven on a motor racing track, or at

an off road event.

Cyber Loss

Any loss, theft, damage, impairment, disablement or loss of use of the

vehicle following a cyber attack caused by:

a) the use of, or failure of, any application, software or program in connection

with the vehicle, including driver assistance, safety, security, infotainment

or software updates whether authorised or unauthorised;

b) the use of, or failure of, any electronic device connected to the vehicle

(for example smartphones, tablets or smartwatches used for navigation,

infotainment or any other purpose);

c) any computer virus, ransomware, code or software;

d) theft of, loss of access to, or damage to, any telematic device or any

electronic data (for example files, music or images) wherever it is stored;

e) any threat, deception or hoax relating to a), b), c), and/or d) above.

Use on airfields

The Insurer will not pay claims arising directly or indirectly from any vehicle

being in a place used for the take-off, landing, parking or movement of

aircraft, including the associated service roads, refuelling areas, ground

equipment parking areas and the parts of passenger terminals of international

airports which come with the Customs examination area or any part of airport

premises to which the public does not have access to drive their vehicle.

Pollution

Any accident, injury, damage, loss or liability caused by pollution or

contamination, unless the pollution or contamination is caused by a sudden,

identifiable, unexpected and accidental incident which happens during the

Period of Insurance.

Earthquake

Any loss or damage caused by earthquakes and the result of earthquakes.

Pressure waves

Any loss or damage caused by pressure waves from aircraft or aerial devices

travelling at sonic or supersonic speeds.

Riot

Any loss or damage caused by riot, civil commotion or malicious act occurring

outside Great Britain, the Isle of Man or the Channel Islands. This exception

does not apply to Section 1 - cover for your liability to others.

Radioactivity

Any loss or damage caused by, contributed to or arising from;

Ionising radiation from or contamination by radioactivity from any nuclear

fuel or from any nuclear waste from the combustion of nuclear fuel.

The radioactive, toxic, explosive or other hazardous or contaminating

properties of any nuclear installation, reactor or other nuclear assembly or

nuclear component thereof.

Any weapon or device or device employing atomic or nuclear fission and

/or fusion other like reaction or radioactive force or matter.

The radioactive, toxic, explosive or other hazardous or contaminating

properties of any radioactive matter.

War

War, invasion, act of foreign enemy hostilities or a warlike operation or

operation (whether war be declared or not), civil war, rebellion, revolution,

insurrection, civil commotion assuming the proportions of or amounting to an

uprising, military or usurped power.

Any action taken in controlling, preventing, suppressing or in any way relating

to the above except where such liability is required to be covered by the

Road Traffic Act.

Hazardous goods

This policy does not provide cover for any accident, injury, damage or loss

caused directly or indirectly by carrying of hazardous goods, other than to

meet the requirements of the Road Traffic Acts.

Foreign jurisdiction

This policy does not provide cover for any accident, injury loss, damage or

liability in respect of which any proceedings are brought or judgement is

obtained in any court outside of the territorial limits unless proceedings are

brought or judgement is obtained in the court of a foreign country where the

Insurer has agreed to extend cover under the policy to include foreign use.

Terrorism

Any loss or damage including accidental damage caused by or arising from

terrorism unless the insurer has to provide cover under any Road Traffic

Acts.

Towing

This policy does not provide cover when the vehicle is towing for hire or

reward any trailer or disabled mechanically propelled vehicle.

Explosion, sparks or ashes

This policy does not provide cover, any liability loss or damage caused by

explosion, sparks or ashes from the covered vehicle or from any trailer or

machinery attached to or detached from it.

Goods sold, transported or supplied

This policy does not cover any liability, loss or damage resulting from

anything sold, transported or supplied by you or on your behalf.

Compensation

This policy will not compensate you if you are unable to use your vehicle or

for any other expenses you have to pay because of this.

Malicious damage

This policy does not cover liability, loss or damage caused maliciously or

deliberately by any person driving your vehicle with your permission or

agreement.

Un-roadworthy, unsafe and insecure loads

This policy does not provide cover for any accident, injury, damage or loss

when the covered vehicle is:

Being driven in an unsafe, un-roadworthy or damaged condition or does

not have a valid MOT certificate when needed.

Being driven with a number of passengers which is unsafe or greater than

the seating capacity of your vehicle.

Carrying an unsafe load.

Towing a trailer which is unsafe or has an insecure load.

15 General policy conditions

The insurer will only give you the cover described in this policy document

provided that you and all other drivers comply with the conditions set out

below and that the information that you gave us regarding the vehicle and

all covered drivers is true and complete as far as you know.

Taking care of your car, home and van

You and all other drivers must take all reasonable precautions to ensure that:

The vehicles software is kept up to date at all times by installing OTA

updates within the manufacturer's recommendations.

The vehicle has a current MOT certificate if applicable.

The vehicle has been protected against loss or damage.

We will not be liable for any loss, liability or damage where you fail to

maintain the vehicle in a roadworthy condition except to the extent that we

must provide cover under the Road Traffic Acts.

If we repair the vehicle following a covered claim, we will arrange for any

resultant damage to any Advanced Driver Assisted Systems (ADAS) fitted to

the vehicle to be repaired or recalibrated, however if we are not arranging

the repairs to the vehicle, you must immediately arrange for any defect to be

rectified, replaced or recalibrated.

Changes to your policy

You must notify us as soon as reasonably possible if any of your details on

the Statement of Insurance change. It's important that you check the

information you have provided and notify us immediately of any changes to

these details. Failure to disclose correct and complete information to the best

of your knowledge and belief may result in increased premiums, refusal of a

claim or not being fully paid, your policy being cancelled or being made null

& void and treated as if it never existed.

Accidents and claims

You must notify us as soon as reasonably possible, of:

You or any driver receiving any notice of prosecution, inquest or fatal

accident enquiry or you or any driver being sent a claim form from a court

or a letter.

You or any driver must send such documentation to the Insurer,

unanswered, as soon as reasonably possible.

You must ensure that the police are notified within 48 hours of you or any

driver becoming aware of any incident involving theft, attempted theft, or

malicious damage and a crime reference number is obtained.

You or anyone who drives the vehicle must not admit liability for, offer,

negotiate or seek settlement of any claim without our written permission.

You or anyone who drives the vehicle must take reasonable steps to

minimise the loss if an incident which gives rise to a claim occurs.

The insurer is entitled under this policy to;

Take over and conduct the defence and settlement of any claim in your

name or in the name of any other person insured by your policy.

Instigate proceedings at their own expense and for their own benefit but

in your name or in the name of any other person insured by your policy

to recover any payment that they have made under your policy.

Recover from you the amount of any claim that they are required to settle

by law which the insurer would not otherwise have paid under this

policy.

Pay the legal owner of the vehicle in the event of a loss.

Require proof of ownership and value of the insured property in the event

of a loss.

You or any person who makes a claim under your policy must give the

insurer all reasonable assistance and information in relation to any claim

made under your policy.

Fraud

You must not act in a fraudulent manner. You, any authorised driver, or any

person acting for you must not make false or exaggerated claims. If you,

any authorised driver, or anyone acting for you makes a claim knowing any

part of it to be false or exaggerated, the insurer will not pay the claim and the

insurer will cancel your policy. The insurer shall be entitled to recover from

you the amount of any claim already paid under the policy during the period

of insurance.

If the insurer cancels your policy on the grounds of fraudulent activity, they

will keep any premium you have paid and may inform the police of the

circumstances.

Other insurances

If at the time of any incident which results in a claim under your policy there

is any other insurance in force covering the same liability, loss or damage,

the insurer will only pay their share of the claim. The share to be paid by

each insurer will be determined either by the appropriate court or by

agreement between the insurers involved.

This provision will not place any obligation upon us to accept any liability

under Section 1 which the insurer would otherwise be entitled to exclude

under Exceptions to Section 1.

F Complaints procedure

We aim to provide a high level of service to all our customers but

occasionally things can go wrong, when this happens we will do everything

we can to put things right.

Complaints procedure

If you have a complaint about our service or the administration of your

policy, please contact us in the first instance by phoning customer services

on 0344 412 2139. We will aim to resolve your complaint over the phone

within 24 hours.

If your complaint is not resolved to your satisfaction within 24 hours we will

send you a written acknowledgment of your complaint together with the next

steps we will be taking to resolve it. If you prefer to put your complaint in

writing please send it to The Customer Relations Manager, Fusion House,

Bretton Way, Peterborough, PE3 8BG.

Next steps

In the unlikely event that your complaint remains unresolved four weeks after

being made, we will send you either our final response or a letter explaining

why we are not yet in a position to resolve your complaint and advise you

when we will be in contact again.

If after eight weeks of making your complaint we are still not in a position to

issue you with our final response we will send you a letter explaining the

reason for the delay and advising you of your right to complain to the

Financial Ombudsman Service.

If we cannot resolve your complaint, you may refer your complaint to the

Financial Ombudsman Service within six months of receiving our final

response letter.

The address is Financial Ombudsman Service, Exchange Tower, London,

E14 9SR. The website address is www.financial-ombudsman.org.uk and their

telephone numbers are 0800 023 4567 from a landline and 0300 123 9123

from a mobile.

Complaints which your Insurer is required to resolve will be passed on to

them by us. We will notify you when we do this. If you are unhappy with the

decision you receive you can refer your complaint to the Financial

Ombudsman Service within six months of receiving your Insurers final

response letter.

Following the complaints procedure does not affect your right to take legal

action.

G Data protection notice

Who is processing your data?

We are BISL Limited, we arrange and administer Dial Direct car, home and

van insurance and we are the data controllers of the personal data that you

provide and/or that we collect from you. This means we are the

company responsible for deciding how your data is processed.

BISL Limited is part of the Markerstudy Group and provides products and

services under various brands. If you want to know more about the

Markerstudy Group and the brands that BISL operates you can find out more

at www.bglinsurance.co.uk

Car, Home and Van Insurance

To provide you with car, home and van insurance, we need to share your

data with the insurers we work with. This is to allow the insurers to consider

your application for insurance and to allow them to deal with any claims you

make on your insurance policy. The insurers will also be data controllers in

relation to the data they receive from us and any additional data the insurer

may collect about you when dealing with a claim. This means that the

insurers are in charge of how they handle your data and we are not

responsible for this.

Your insurer is set out in your Schedule of Insurance.

When you choose to add an additional product to your insurance policy,

such as breakdown cover, we will also need to share your data with the

supplier of the additional product to allow it to be provided.

You can find further information in the terms and conditions for each

additional product.

If you pay for your policy by monthly instalments you will be taking out a

credit agreement. Your credit arrangement will be provided by BFSL Limited,

which is part of the Markerstudy Group and which provides credit

arrangements on our behalf. Data relevant to your credit agreement will be

shared with BFSL Limited. BFSL Limited will also be a data controller of this

data and will be responsible for how that data is processed.

Where do we get the data from?

From you

Most of the data that we process will be data that we collect from you directly

when you request a quote. We will ask you various questions to collect the

data we need for the purpose of your policy. We will not be able to provide a

quote unless you answer the mandatory questions.

From your use of our website and services

We also collect data about you based on your actions, for example we

collect data about how and when you use our websites, or our services so

that we can build up a picture of you as a customer. This can include

information such as how many quotes you have obtained for insurance from

us, mouse clicks/taps, mouse movements, page scrolling and text entered

into forms. This helps us to provide you with a good service and to design

improvements to our products and services (including changes to our

website) but is also used to help us to prevent and detect fraud.

If you contact us electronically, we may collect your electronic identifier e.g.

Internet Protocol (IP) address or telephone number supplied by your service

provider. This information may be used by us and/or shared with and used by

insurers to aid in the detection of fraud.

If we speak to you on the telephone we may record the telephone call and if

you use our webchat service we will keep a record of the conversation. We

do this so that we have an accurate record of your conversation with us. We

also use this data for monitoring and quality control purposes and may use it

for training purposes.

From price comparison sites

If you have been directed to us from a price comparison site then the price

comparison site will have provided us with data that you entered in order to

allow us to provide you with a quote.

When you purchase one of our policies through a price comparison site we

will need to share some information with the price comparison site, for

example, information relating to whether the policy has been purchased or

the status of the policy. We will also exchange information that is necessary

to help resolve any queries or complaints.

Our service providers

We or our insurers will sometimes use third parties to process personal

information on our behalf. Where third parties process your personal

information on our behalf, we will have a contract in place with them placing

obligations on them to keep your data secure and only use it for the

purposes that we authorise.

The third parties that we use may include, for example, IT service providers,

market research agencies and debt collection agencies or tracing agents

appointed by us.

From other companies

As part of considering your quote, administering (including amending or

renewing) your policy or dealing with any claims on your policy, we, our

insurers and/or our credit providers will exchange information about you

with other companies and/or carry out checks with various databases, which

is standard practice in the insurance industry. We have set out below some of

the common databases that may be checked.

DVLA

If you provide your, or any named driver's, driving licence number this will be

passed to the DVLA, either by us or the insurers we work with, in order for a

search to be carried out to confirm your (or any named driver's) licence

status, entitlement and relevant restriction information and

endorsement/conviction data.

Undertaking searches using your driving licence number helps insurers

check information to prevent fraud and ensure policy premiums are fair.

A search with the DVLA will not show on your (or your named driver's)

driving licence record.

For details relating to information held about you by the DVLA, please visit

www.dvla.gov.uk

Credit searches

We and/or our insurers or credit provider(s) will carry out checks with credit

reference agencies, including-

checks against publicly available information such as the Electoral

information;

checks against data relating to your credit history. If you enter into a

credit agreement to pay for your policy, we may also pass to Credit

Reference Agencies information we hold about you and your payment

record with us. Credit Reference Agencies share information with

other organisations, enabling applications for financial products to be

assessed or to assist the tracing of debtors, or to prevent fraud. We

may ask Credit Reference Agencies to provide a credit scoring

computation. Credit scoring uses a number of factors to work out risks

involved in any application. A score is given to each factor and a total

score obtained and this together with other factors will be used to

assess your application for a quote or a policy.

The credit reference agencies will keep a record of the search and you may

see this recorded on your credit file whether or not you proceed with your

quote. If you decide to take out a credit agreement, the search and details of

your payment history with the credit provider will also be visible to other

lenders. You can find out further information about how the Credit Reference

Agencies collect and use personal data at www.callcredit.co.uk/crain which

also provides you with details of how to contact the Credit Reference

Agencies if you want to check the information they hold about you.

Claims and Underwriting Exchange and Other Registers and Databases

We, the insurer and/or the re-insurer exchange information with various

databases and registers to help us check information provided, to detect and

prevent crime or fraud and to obtain information about your no claims history.

These may include the Claims and Underwriting Exchange Register, the

Hunter Database, the Motor Insurance Anti-Fraud and Theft Register, the No

Claims History Database and any other relevant industry databases or

registers. Under the conditions of your policy, you must tell us about any

incident (such as an accident or theft) which may give rise to a claim whether

or not a claim is made. When you tell us about an incident, we or the insurer

will pass this information to the registers and any other relevant registers.

Motor Insurance Database

Information relating to your insurance policy will be added to the Motor

Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB").

MID and the data stored on it may be used by certain statutory and/or

authorised bodies including the Police, the DVLA, the DVLANI, the Insurance

Fraud Bureau and other bodies permitted by law for purposes not limited to

but including:-

i. Electronic Licensing

ii. Continuous Insurance Enforcement

iii. Law enforcement (prevention, detection, apprehension and/or prosecution

of offenders)

iv. The provision of government services and/or other services aimed at

reducing the level and incidence of uninsured driving.

If you are involved in a road traffic accident (either in the UK, the EEA or

certain other territories), insurers and/or the MIB may search the MID to

obtain relevant information.

Persons (including his or her appointed representatives) 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. It is vital that the

MID holds your correct registration number. If it is incorrectly shown on the

MID you are at risk of having your vehicle seized by the Police. You can

check that your correct registration number details are shown on the MID at

www.askMID.com

Existing Data

We will check our existing records to see if you have held a policy

or obtained a quote with us, or any of the brands BISL Limited administer,

before. We will also share personal data with our other brands, Group

Companies and insurers for these purposes. The credit providers we work

with (as described in the "Who is processing your data? " section above) will

also carry out checks against data that they hold on you if you have held a

credit agreement with them or applied for credit with them before.

Checking and comparing this data helps us to assess your quote (including

at renewal). This data will also be used for research and analysis in

accordance with the section headed "What do we use your data for?" below.

Publicly available sources

We or our insurers use some open sources of data which are not personal

data (such as information about particular geographic areas) and combine

this with the personal data that we hold about you (such as your own

address) in order to assess insurance risk and provide you with an accurate

quote.

Providing data about other people

We will sometimes need you to provide us with data about other people, for

example where another person is being added to the policy as a joint

policyholder or named driver. Where you give us data about someone else,

you must make sure that you have made that person aware of this Privacy

Policy. If we ask you to confirm your consent to certain data being

processed, you are giving consent for your data and any relevant data

relating to the other person to be processed. Where this privacy policy refers

your

or whose data you provide us with.

What do we use your data for?

The data that we hold is used for the following purposes:-

Part 1 - Providing you with a quote and administering

your policy

The personal data that we use for the purposes set out in this Part includes

information you provide during your quote, information about previous or

existing policies held by us or our insurers, identification information,

information from credit reference agencies, your policy and payment history

and behavioural information that we gather from your use of our website and

how you manage your policy.

Providing you with a service

As you would expect, this data is used to provide you with the service you

have requested, for example a quote or an insurance policy. When you take

out a policy, we will continue to use your data to provide you with annual

renewal quotes and where we can we will use the data to automatically

renew your policy and continue to provide you with insurance cover. If you

would prefer that we don't use your data to automatically renew your policy

then you can opt out of the automatic renewal process by contacting us. This

means we will still use your data to generate a renewal quote but your

policy will not renew unless you tell us that you would like to accept the

renewal quote. You can find more information about this in your policy

documents.

Credit agreements and payments

Both we and the credit provider use this data (including data held in relation

to our other brands) to help us build up a picture of you as a customer. This

allows us to carry out more accurate assessments of you as a customer when

you apply for products with us, including creditworthiness assessments. It

helps us to provide you with more relevant information such as making sure

we show you the right content at the right time. We also use this information

to help calculate your future quotes. This information will also be shared with

our insurers for these purposes.

Data will also be used by us or your credit provider (if applicable) to

administer any payments due under your policy and this will include (where

necessary) sharing data relating to your payments with credit reference

agencies, debt collection agencies or any financial organisations such as

banks or payment providers for purposes connected with payment

processing, refunds, funding or associated services. If you have taken out

credit you can find further information within the credit agreement.

Additional information about your circumstances

If you let us know that you have any accessibility requirements or any

circumstances which may impact the service we provide to you, we will keep

a record of the information you provide so that we can provide an appropriate

service to you for example if you tell us that you need documents in an

alternative format. Where we can, and if we feel it is appropriate, we may also

pass this information to our suppliers or partners to ensure that they can also

provide an appropriate service to you.

Data protection law says that we have to tell you the legal basis on which we

process your personal data.

In relation to personal data used for the purposes described in this Part 1, we

process this data because it is necessary to perform the contract that we

have in place with you to provide you with the quote or the policy that you

have requested.

Part 2 - Fraud Prevention

In order to prevent and detect fraud we, the credit provider and/or the

insurer or the re-insurer may use the personal data set out above at any time

to undertake searches to prevent fraud and money-laundering and to verify

your identity. This will include checking or sharing your details with credit

reference agencies and fraud prevention agencies.

If false or inaccurate information is provided or if we or a fraud prevention

agency determine that you pose a fraud or money laundering risk, we may

refuse to provide the services and/or financing you have requested and we

may stop providing existing services to you.

A record of any fraud or money laundering risk will be retained by the fraud

prevention agencies and which may be checked by other organisations for

example when: checking details on applications for credit and credit related

or other facilities; managing credit and credit related credit accounts or

facilities; recovering debt and tracing beneficiaries; checking details on

applications for new products and dealing with claims for all types of

insurance. This may result in others refusing to provide services, financing or

employment to you.

Fraud prevention agencies can hold your personal data for different periods

of time, and if you are considered to pose a fraud or money laundering risk,

your data can be held by them for up to six years.

In relation to personal data used for the purposes described in this Part 2, we

process this data because we have a legitimate business interest in carrying

out these activities to protect against fraud and because there is a substantial

public interest in preventing and detecting crime including fraud.

Part 3 - Other Uses of Data

Marketing

When you request your quote you will be given an opportunity to confirm

whether you are happy to receive marketing material from us. If you confirm

you are happy to receive this material, we will use your postal address, email

address and telephone number to send you marketing materials by post,

email, telephone call or SMS. We do not pass your data to third parties for

marketing purposes.

You can change your mind at any time by logging into your Self Service

Centre and updating your preferences. You can also unsubscribe from

emails by clicking on the unsubscribe link on any marketing emails that we

send you or by contacting us.

This will not impact any communications that we need to send you for the

purpose of your policy, for example communications about your renewal,

updates about your policy or information about any quotes we've provided

to you.

We use the data we hold to help us understand our customer demographic,

to help us improve the services that we provide to you and to help us target

our advertising and marketing so that we show customers adverts or

marketing which may be more relevant to them. We may sometimes work

with carefully selected third parties to do this for example using advertising

services provided by organisations such as Google and Facebook and may

share data with them to carry out this research and analysis, however will not

sell your data to third parties for them to market to you.

Market Research

From time to time we may want to use your postal address, email address

and/or telephone number to contact you to assist us with our research by

asking you a few questions about the service you have received or by asking

if you would like to complete a review of our services. We may sometimes

ask market research companies to contact you on our behalf.

If you would prefer us not to contact you for market research purposes then

you can let us know by contacting us.

Research and Analysis Activities

We use data relating to your quotes or your policy, including

your claims history, to carry out various research and analysis activities to

help us to regularly review and improve the products and services we provide

and carry out research relating to underwriting, claims and pricing. We also

share this data with our insurers to enable them to use this data for these

purposes. Where possible, data will be shared on an anonymised basis. The

data will not be used to make any decisions that will affect you or any other

individual.

We also use the data that we collect about you through your website usage

to carry out research and analysis into usage and activities on our website to

enable us to continue to improve our website and our products and services.

In relation to personal data used for the purposes described in this Part 3, we

process this data because we have a legitimate business interest in carrying

out these activities to promote and improve our business. We have ensured

appropriate safeguards to protect your rights when processing this data for

these purposes.

Part 4 - Special Personal Data and Criminal

Convictions

In order to provide your quote and administer your policy we may ask you

to provide data which data protection law classifies as "special personal

data". This includes information about your health (such as any medical

conditions) or information relating to criminal convictions or alleged or actual

criminal offences.

Where we collect special personal data and criminal conviction or offence

data to provide you with your quote and your policy, we process this data

because it is in the substantial public interest to do so for the purposes of

advising on, arranging, underwriting or administering an insurance contract.

It may also be necessary for us to retain a copy of any special personal data

and criminal conviction or offence data for the purpose of making or

defending claims or preventing or detecting crime, including fraud.

How long do we keep data?

We'll only keep your personal data as long as we need it and ensure it is

securely destroyed when it is no longer required. We do however need to

keep certain data after your policy has ended for certain periods as detailed

below.

Generally, if you take out a policy with us, you can expect us to keep your

data for a period of 10 years following the end of your policy unless there is

a requirement for us to keep the data for longer, for example if there are any

ongoing queries or claims relating to the policy.

We keep data for these periods as it plays an important part in allowing us to

undertake fraud detection and prevention activities, allows us to deal with any

queries or complaints that may arise regarding the quote and allows us to

carry out research and analysis to help us improve our products and services

(as described in the section headed "What do we use your data for?").

Overseas Transfer of Data

We may use third party suppliers to process personal data about you. Some

of these suppliers may be located in countries outside the UK which may not

have equivalent laws in place to protect your personal data. For example, we

use third party software suppliers to process data such as your IP address

and email address. Our insurers may also process personal data in

countries outside the UK which may not have equivalent laws in place to

protect your personal data. Our insurers are data controllers in respect of

any such processing.

Whenever we do use third party suppliers to process personal data about

you outside the UK we will ensure that your personal data is kept securely, is

only used for the purposes set out in this Privacy Policy and is afforded

equivalent protection as it would be if it were processed in the UK. We do this

through various mechanisms, for example making sure that approved

contractual clauses are in place with the supplier. If you would like any further

information please contact us

Your Rights

Data protection law gives you various rights in relation to your personal data.

All the rights set out below can be exercised by contacting us using the

contact details set out under the "Contacting us" section below. Those rights

include:-

You have the right to ask us to provide a copy of the personal data

that we hold about you. This is called a Data Subject Access Request

or "DSAR".

You can access information about your policy and your policy documents

by logging into your Self Service Centre. If you want to receive other

personal data that BISL Limited holds then please contact us using the

contact details below. When contacting us please describe the information

you require and include the following: your full name, your date of birth,

your full address and your quote/policy number. For security purposes we

may need to ask you for further information to verify your identity. If you

require information sending to different contact details to those held on your

policy please include a copy of your passport or driving licence and proof of

address such as a recent utility bill to assist us in verifying your identity. We

might also need to ask you for additional information to help us locate the

data that you are looking for.

Once we have all the information that we need to process your DSAR, we

will respond within one month unless your DSAR is very large or complex, in

which case we may need to extend this period. If we need to do this we will

let you know.

If you want to make a DSAR in relation to personal data that is held by the

insurer of your policy then you will need to contact the insurer directly. You

can find their details in your policy documents.

You have the right to ask us to correct inaccurate personal data that

we hold about you. If you think any of your personal data is

inaccurate, please contact us and, provided we can verify your

identity and are satisfied as to the accuracy of the correction

requested, we will correct the relevant personal data as soon as we

can.

You have the right to request that we provide a copy of your personal

data in a machine readable format or to ask us to send your personal

data to another company. This applies to personal data that you have

provided to us, which we have processed electronically, such as data

you entered on our website when you obtained a quote.

You also have the right to ask us to delete personal data that we hold

about you. We are obliged to delete personal data in some

circumstances, such as where it is no longer needed. However, data

protection laws allow us to keep the personal data if we need to, for

example if the data is needed to allow us to administer your policy or

if the data is needed for fraud prevention. In any case, we will retain

your personal data in line with the retention periods detailed under

"How long do we keep data?" above.

You have the right to ask us not to do anything with your personal

data except store it in limited circumstances, such as if you and we do

not agree on the accuracy of personal data and steps are required to

validate it.

You have the right to object to us processing certain personal data

about you. For example, you can ask us to stop processing data for

marketing or market research purposes. However, where we need to

continue to process the personal data, for example to administer your

policy or for fraud prevention purposes, we are not obliged to stop

processing it.

You have the right to ask to review significant decisions that we have

made about you wholly by automated means. The nature of the

quotes that we provide to you means that we have to use this kind of

automated decision making in relation to your personal data (including

special categories of personal data) to assess your quotes. This

means that our computers will consider lots of different pieces of

information about you and about the policy you have requested (such

as information about your vehicle) in order to calculate whether or not

we are able to offer you a quote, at what price this should be and

whether we can offer you a credit agreement to pay for your premium.

Automated decision making will be used when you request a quote,

when we are considering whether we can offer you a renewal quote

and also if any changes are made to your policy. We may also use

automated decision making to decide if you pose a fraud or money

laundering risk. If you ask us to review the decision, we will make sure

that it is examined by a human and we will confirm the outcome to

you. This does not necessarily mean that the decision will be

changed.

Contacting us about data

If you would like to contact us about any of your data rights set out under

"Your Rights" above, then please contact [email protected] or

write to Data Requests, BGL Customer Services, Fusion House, Katharine

Way, Bretton, Peterborough PE3 8BG. You can use these details to contact

BISL Limited, BFSL Limited or ACM ULR Limited which are all part of the

Markerstudy Group.

If you have any other queries or concerns about this Privacy Policy, or if you

would like to contact the Data Protection Officer, for BISL Limited, BFSL

Limited or ACM ULR Limited, you can email [email protected] or write to

the Data Protection Officer at Fusion House, Katharine Way, Bretton,

Peterborough, PE3 8BG. Please make sure you include details of the

product and brand that you are contacting the Data Protection Officer about

in your email or letter.

Information Commissioner's Office

If you have a complaint regarding how your personal data has been

processed by us then please contact us first using our complaints procedure

set out in your policy documents.

You also have the right to complain to the Information Commissioner's Office,

which regulates data protection compliance. You can find more information

by visiting their website www.ico.org.uk