Important information
- Disclosing the Full Facts
- Terms and Conditions
- Law Applicable
- Keeping Us Informed
- When Cover Begins & When it Ends
- Renewals
- How to Cancel
- Our Charges
- If You Have a Complaint
- Policy Wording
- Data Protection
Disclosing the Full Facts
If you don't disclose all material facts, for example, facts that may affect your premium or whether we would offer you cover, your car insurance could be invalid and may not cover you in the event of a claim. In particular you should tell us about any motoring convictions or incidents (whether your fault or not, and whether you claimed or not).
It is an offence to make false statements or withhold information to obtain motor insurance.
Terms and Conditions
All policies are subject to qualifying criteria, terms and conditions, details of which will be explained before you buy. We can only offer policies to residents of the British Isles including Northern Ireland, the Channel Islands and the Isle of Man.
Law Applicable
Policy documents show the law that applies to each contract of insurance. This depends on the type of insurance you buy, and which insurer underwrites it. Generally, it will be English law. If you would like confirmation of this, please ask us before buying.
Keeping Us Informed
Once you buy your insurance, you have a duty to keep us informed of any changes to your circumstances. Note especially that you must call us before you change your car or if you move address. If you don't keep us informed of any changes, your insurance could be invalid and not cover you in the event of a claim.
When Cover Begins & When it Ends
Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun. The policies we sell are annual policies, which end one year after the start date of cover (unless cancelled before then). We will tell you how long the policy lasts before you buy, and your policy documents will show this information too.
Renewals
For your convenience and protection, if you are paying for your insurance by instalment plan or are using your own debit/credit card, we will normally automatically renew all your motor policies, unless you have asked us not to. We won’t automatically renew your policies if your payment does not authorise, and we may, at our discretion, choose not to automatically renew if you have an unpaid balance or have had difficulty in making your payments previously.
This includes any additional policies, such as breakdown or legal cover. We will write to you before the policy renewal date to remind you of this and to let you know what the revised payments will be.
How to Cancel
If after buying a policy from us, you decide to cancel it, please call us. In most cases we will be able to take your instruction over the phone. Alternatively, you may write to us. Your policy documents will show the full cancellation procedure. For motor insurance, you will need to return the certificate of motor insurance to us within 7 days of the cancellation date.
Our Charges
The following charges apply in addition to any additional or return premium calculated by your insurer. For further details, please refer to your policy document, or call us.
When you buy a new policyNo charge
In the event of cancellation
£25 if cancelled within 14 days of receiving your documents, or the start date of your policy, whichever is later. If you (or we) cancel your policy after the 14 day period, we will keep £65.
For any adjustment to your policy
£12.50
If you do not provide written proof of your no claims bonus within 21 days
£10.00
For any overdue or missed payments
£10.00
Request for duplicate documents
£5.00
When you renew your policy
No charge
If you pay your insurance by direct debit, an interest charge and a credit arrangement fee may apply. These charges will be explained to you before you buy.
If You Have a Complaint
We and your insurer aim to provide a high quality service at all times. If we, or your insurer, let you down, please tell us and we will do our best to resolve the issue as quickly and fairly as possible.
To make a complaint, please follow the procedure shown in the diagram below:
Our aim is to resolve all complaints within 24 hours of receipt. If this is not possible, we will acknowledge your complaint within a maximum of 5 working days and send you our final written response within a maximum of 20 working days.
The Ombudsman will require a completed form, which can be accessed via their website. Alternatively, they can help you complete the form by taking your details over the phone.
Making a complaint to the Ombudsman does not affect your right to take legal action.
Policy Wording
View our current Policy Book and Terms of Business here.
Data Protection
For your protection and ours, and to ensure our high standards are maintained, we may record or monitor your call and/or your activity on our website.
If you provide information to us, either via our website or over the phone, we will use this information to allow us to service any policy you buy from us, and for statistical and administration purposes.
So we can tell you about our range of financial products and special offers which could save you money, we will contact you in future, and may share your contact details with other carefully selected companies as well as other companies within the Kwik-Fit Group. From time to time we may pass customer information to an external agency to carry out a customer satisfaction survey on our behalf. Please call us on 0845 272 7603 if you do not wish your information to be used in these ways.
We may disclose information about you and your policy to the Financial Services Authority and/or the Financial Ombudsman Service, if requested by them. This will only happen if needed to enable them to fulfil their obligations such as investigation of a complaint, or alleged misconduct.
Insurers pass information to various databases in order to prevent and detect fraud. The databases used depend on the type of insurance being bought. For motor insurance, this includes the Claims and Underwriting Exchange Register, the Motor Insurance Anti-Fraud and Theft Register, and the Motor Insurance Database. Further details will be given before you buy, and on your documents.
If you buy a policy from us
We will keep the information you provide to us secure and private. For your convenience we will make changes to your policy on the instruction of your spouse/partner or a named driver on your policy. If you do not wish this, or if you would like someone else to have access to your file, please let us know. Please note that we will only cancel your policy or change your address on your instruction. No-one else can do this on your behalf.
The insurer who underwrites your policy may pass your personal data to other companies for processing on their behalf. Some of these companies may be based outside Europe in countries which may not have laws to protect your personal data, but in all cases your insurer will ensure that it is kept securely and only used for the purposes for which you provided it. Details of the companies and countries involved can be provided on request.
In the event of an outstanding balance on your account, we will pass your details to a debt collection agency for them to collect this amount on our behalf.
As well as calling us on the above numbers, you can contact us by;
Writing to us at:
The Green Insurance Company Ltd
1 Masterton Way,
Tannochside Business Park,
Glasgow,
G71 5PU
E-Mailing us at enquiry@greeninsurancecompany.co.uk
The Green Insurance Company is part of the Kwik-Fit Group of companies.
Registered in Scotland, number: SC314868
Registered Office: 1 Masterton Way, Tannochside Business Park, Uddingston, G71 5PU