Terms and Conditions
1. Definition: "You/you" – It denotes a mediator who sustains the agency when it refers to agents. However, if it concerns customers having straight dealings with us, "You/you" refers to policyholder and also includes extra drivers where it is pertinent. The terms like "We, "The Company," "Our," " and "Us" refer to our website onedaycarinsure.co.uk.
2. Significant: These indicate General Trading Terms of our website. Since it will be according to our terms that you will be using our website, please go through it vigilantly. It is necessary to concur to these Trading Terms for you to use our website. In case you have disagreement with these Trading Terms it is better if you do not use this website.
3. If you want to use our website you need to accede that you will refrain from:
a. Decompile/reverse engineer (either fully/partly) any software here at our website (except to the level explicitly sanctioned by related law).
b. Divulge, broadcast, transmit or else make accessible any matter from this website or any other details discovered by you when using this site, exclusive of any earlier written compliance.
c. Insert those sections of website safeguarded by password save for some legal password. scheme
d. Eliminate trademark, patent or any extra intellectual property right statements included in website information.
e. Produce duplicates, amend or tweak (comprising of formation of HTML links to/from our website) completely or any portion of our website, devoid of any previous written contract.
f. Issue, dispatch, upload, circulate, propagate or else convey information/pictures, which are menacing, endangering, vilifying, slanderous, racist, disparaging, insulting, pornographic/vulgar or illegal on this website.
g. Upload files enclosing software or any other content, which violate trust or infringe on intellectual property privileges.
h. Send viruses, hack or redirect chain letters, contests, surveys, pyramid products or undertake activities meant to impede transactions of other users or are prone to harm/ruin our website status.
4. Ownership: Our website (comprising of the software intended to activate and manage it) and trademarks utilised in association with this website are our own possessions. You will not get any privilege/advantages over these save for those mentioned along with these terms. Besides, we have set aside the privilege of barring access by a user to onedaycarinsure.co.uk whenever we find it necessary, either everlastingly/short-term.
5. Selection of Product: Our website acts as a mediator and proffers insurance counsel to our customers and aids them in selection of products.
6. Position: We hold ourselves accountable for the counsel offered to you. We offer counsel for every policy we fix up for you and also serve as your agent. With regard to gathering money, we perform as insurers’ agents. Regarding the agents, they are accountable for all counsel they provide.
7. Professional Indemnity: We kowtow to FSA rules for Professional Indemnity Insurance and our cover are subject to these rules.
8. Privacy Statement/Data Security: Kindly go through the particular Privacy Statement for our website.
9. Security/Confidentiality: All details given to our website will be kept in absolute discretion by us, as well as by our subsidiary and/or related companies and also by insurers who have dealings with us. We will only divulge this information if it is required legally. All information given us is safeguarded with extreme care. We employ encryption device for safeguarding your information including the credit/debit card details. Agent information can be kept safe with unique details like agent number and rare password. So agents must be highly prudent and must refrain from disclosing these details to others. We hold no liability/accountability in case some third party utilise these specific details. In case of agents misplacing these information, it is essential to notify us right away or if they have any inkling of a third party gaining knowledge of their agent number and even password.
10. Domicile: Our insurance products are mainly intended for UK residents, but not for Channel Islands. When you finish applying for a quotation you are validating your UK residency. If you happen to change nationality, you must instantly inform us. The information and products of our website abide by the UK regulation, as well as legislation.
11. Documentation: You are held accountable for the truth of the answers given to us on statements and documentation. Lest you need to make any alterations or add extra details on any of these records/statements, we will deliver to you affirmation of the changes we have completed. Then you can get the chance to alter or rectify if there is any mistake.
12. Revelation of Information: The customer or policyholder is accountable for offering full and precise information to insurer/company, according to the law, when policy is issued to them and during the policy tenure. The entire statements are made in proposal forms, claim forms, records and other information, either if it is made electronically or are precise and finished. Every detail/fact that impacts the suitability or approval of insurance policy or its renewal need to be divulged as soon as possible. In case you have not passed these specific details, you may end up not adequately covered by the policy or it may not work for you. When you are uncertain over any of these facts, we will be happy to aid you. We counsel to make copies of every communication or records, which you dispatch to us to safeguard yourselves. In case you are giving us information regarding others, it follows that it is your duty to ascertain the information precision and that you have the consent of these people to deliver to us their details.
13. Knowledge of Policy Expressions: From our website, you can view and download a sample policy. You need to go through it vigilantly since it is this record, policy schedule, written contract and insurance certificate, which forms the groundwork of this cover. In case of ambiguities about its provisions/terms, we are here to counsel you on time.
14. Costs: We keep the prerogative of bringing about charges for fixing up any insurance policy. These expenses will at all times be unmistakably recognised and revealed independently. We have a non-refundable charge you have to pay when you take out a policy and this amount is stated on the pertinent documentation. Costs for administration are made out independently. We keep to ourselves the entitlement to make supplementary charges for compensating the non-payment of credit cards, or cheques, direct debit or else other payment methods. All costs involved in default payments are disclosed to policyholder. If a policy gets cancelled or becomes null and void despite a cover being unexpired, you will not receive the permitted premium. Besides, there is no resting period if the contract is for duration lower than a month.
15. Quotations, as well as Premiums: Each and every transaction are conducted and finished online. You must not go over to payment screen and sanction payment if you do not want us to take this amount from you. The quotations are legal and assured for only the duration of internet session amid your access time and ours.
16. Claims: In case the policyholder need to claim on his/her policy, it is imperative that we are alerted. All required details will be released and we will dispatch all essential documentation to the insurer. Till you receive authentication from insurer, the policyholder must not divulge liability/consent to take any action. You must not think that just reporting to us is the same as notifying your insurers.
17. Complaints: We always endeavour to offer the highest standards in our customer service and relationships. Nevertheless, if you feel any dissatisfaction you can immediately contact our Customer Service & Compliance Manager. The address is given on information page. We normally take action to settle your complaint in five working days or you will receive in writing in that timeframe how we will deal with the problem and the duration it will take to resolve your complaint. The maximum duration to deal with the issue is eight weeks. However, you can always directly deal with Insurer/Delegated Authority Holder if you feel that the issue has not been settled as you expected. From policy documentation you can get the particulars like the apposite telephone number, as well as address.
18. Documents: We retain the privilege to hold on to the various documentations and Certificates of Insurance till all outstanding payments connected to the policy have been paid via our bank account.
19. Data Protection Act: You are entitled to view your personal information kept in our documentation, according to Data Protection Legislation. In case you have any questions or doubts, you can make enquiries at the address of the Company’s Managing Director given on our information page. You may have to pay some charge to obtain such information. However, you can record telephone calls for training and also with the intent of using it as evidence. We will usually utilise the information filled in by you to notify you of services that may appeal to you. Moreover, we may also transfer such information to other branches of our group with this purpose in mind. Nevertheless, if you do not want us to pass on your details for marketing such products and deals to you, you may write to our Company’s Development Department. With regard to agents, we assure you that we shall not utilise their client information without their consent for targeting marketing campaigns to their clients.
20. Motor Insurance Database (MID): This is a database comprising of vehicles and policies activated and run by Motor Insurers Information Centre for supporting the interests of Motor Insurers Bureau. We assure you that we shall do our best to send forward policy details, drivers and also vehicles to MID inside the duration of two days of the date of cover issued.
21. Insurance Databases: We warn you that the insurer will swap your details with other insurers using several databases for monitoring the information given and also to put a stop to sham claims.
22. Alterations: The Company retains the right to take away or bring to a close the products and/or services offered on our website. If such a situation occurs, we are not accountable to you for it. Besides, the applications posted here online for different products and services, its charges and other offers and information regarding these can be altered without informing you prior to such modifications. Moreover, our every product/service is issued according to availability. With respect to this, we do not give any guarantee to you. The stipulation regarding products and/or services proffered here must not be interpreted as proposals for purchasing or selling these by the pertinent Company. These Companies, which advertise their relevant products and services can accept/ decline any offer made by you, according to their judgement.
23. Copyright: The copyright of the web content found on this website belongs to us or any of our other licensed resources. We may consent to allow reproducing any portion of our web content according to the below proviso:
a. Our web content must not be utilised for business-related uses.
b. The reproductions must preserve all intellectual property statements and patents/copyrights included in our primary content.
c. The details of products, services, technology/processes included in our website may be in accordance to intellectual property statements entitled to onedaycarinsure.co.uk or some other third parties. We do not agree to any license with regard to the intellectual property statements.
d. We also safeguard our images by copyright. You are prohibited to make duplicates or any form of replicas without the consent of its relevant holders in writing. If anyone wants to duplicate any section of our web content they must absolutely seek our consent by contacting us.
24. Terms of Business Agreement (TOBA): For any dealings with our company it is definitely necessary for Agents to act in accordance with all Terms of Business Agreement amid Agent and our Company. If any discord occurs amid whichever General Trading Terms and our TOBA, normally TOBA is regarded as the more significant and superseding document.
25. Modifications to Terms and the Records of Agreements: Only we are entitled to alter any terms or conditions set for use on our website. We shall post these modifications here whenever we deem it necessary. So it is your duty to go over these conditions and terms on a regular basis for ascertaining that you are keeping abreast of all recent conditions for usage and all other terms. After such alterations have been implemented and you proceed to utilise our website, it is reckoned that you are in accordance with all these alterations on conditions, as well as terms. It is better to make printouts of these modifications in conditions for usage and all other terms and keep your copy safe for future reference and as evidence in case of any discord occurring. Besides, keep aside copies of all conditions for usage and all other terms connected to all products and/or services for which you have decided to apply along with all associated applications and also proposal forms, which you have filled and submitted and have been accepted by us. Each and every revision to all the terms, as well as conditions of usage have to be given written permission by us or whenever necessary by the pertaining Company with which you developed the agreement.
26. Disclaimer: We have been extremely prudent in the development of our web content including all names, descriptions and other details, pictures, images, icons, logos involving or connected to us and our associated and/or any sister Company belonging to this Group and/or products and/or services of these above mentioned Companies or third party products and/or services. But still they are proffered on the basis of availability or as existing, devoid of all endorsement or representation and with no type of warranty, either stated or entailed, comprising yet not curbed by every entailed warranties of adequate fitness for specific reasons, quality, accuracy, compatibility, non-infringement and security. Hereby each and every terms, as well as warranties are left out as long as it is allowed within the law. At no occasion shall we and/or our associated or sister Companies of our Group be held accountable (either in tort or agreement involving violation of statutory obligations or otherwise or for any neglect) for all damages protracted through and occurring due to or with regard to usage of our website, comprising yet devoid of limitation, all substantial or indirect damages, shortfall in profit, some special deficit or data loss. We are making no claims regarding the accuracy of information provided in our web content or that it is all-embracing and inclusive or confirmed. Besides, we shall not acknowledge any legal responsibility for the comprehensiveness and precision of our web content or for the confidence consigned to it by a party/person (comprising of yet not curbed by some third party) on details included in this. Moreover, we are not certifying that all materials or the purposes available from or included in onedaycarinsure.co.uk is continuous or free from mistakes, that we make corrections for all shortcomings and flaws or that the server hosting our website are free from any bugs or viruses or that it epitomize the complete functionality, consistency or exactness in its content. In case of some Conditions for usage and Terms (or every conditions, as well as terms connected to products and/or services included in our website) are found to be criminal, null, or else cannot be put into effect - legally or in connection to some specific state or country alone where these conditions for usage, as well as terms are effective, then it will be erased and removed from our pertinent terms as well as conditions for usage, and the rest of the contents will be kept intact, stay in its total force and go on being combined and executable. Not anything in these Conditions of usage and Terms will eliminate our accountability in case someone loss their life or are wounded as a result of our neglect.
27. Captions: The captions utilised in our terms and various conditions for usage are only for expediency and will not influence their clarification and analysis.
28. Authority and Law: If not specified otherwise, products and/or services explained in onedaycarinsure.co.uk are accessible for UK residents alone (not for Channel Islands). The details, as well as applications available in our website are not intended for anyone else apart from residents of UK. If anyone who is not a resident of UK applies, it will not be acknowledged except when it is specified otherwise. We have not stated that all products and/or services mentioned here is correct for the use of everyone and that these are provided in all places. The details and other content offered in our website may not necessarily fulfil the rules and regulations of other countries. If people from outside UK access our website, they are accountable for observing the laws of their nation, as much as it is valid for laws of their country. Our phone numbers are only relevant for the calls made from inside the UK. Such Conditions for usage and Terms connected to products and/or services explained in our website are administered and interpreted in a way that is subject to the rules and regulations of England and also of Wales. Conflicts cropping up in connection to the above will be in accordance to the sole authority of the English and Wales courts.
29. Linkage with other Websites: It is possible that some hypertext links take you to websites, which are not beneath the management of our website. If you trigger this link, you will be moving away from onedaycarinsure.co.uk to some other website over which we have no control. So we will not be accountable or legally responsible for content found on these websites. We are not encouraging business by giving permission to post the links of these third party sites. Furthermore, we do not assure safety either indirectly or directly for people in any country.
30. Screening Emails/Phone Calls: Email addresses of messages sent to us or telephone calls made to the numbers reached via our website or noticed from it are recorded or we keep an eye on it. If you make use of these contact methods, you are admitting that you have given permission for documenting or supervising the same.
31. Product Terms, as well as Conditions: In case you are submitting an application for utilising any of our products/services mentioned here, it is imperative that you go through the Conditions for usage and other Terms, which must be read in combination with all other Terms, as well as Conditions for usage connected to some product/service. In case conflict occurs amid Conditions for usage and Terms and the particular terms, as well as conditions connected to this product and/or service, the second one will be taken into account. Furthermore, for the sake of Terms and Conditions for usage, the products and/or services will incorporate some fiscal service/insurance with no limitation.
32. Trademarks: The names, images and logos on onedaycarinsure.co.uk are used to represent our website. We do not consider bestowing on anyone privileges/licence concerning name, image or logo on any of the previously mentioned/third party companies.
