Terms of Business Agreement – Express Insurance Services Ltd
Who regulates us?
Express Insurance Services Limited (FSA register number
311354) is authorised and regulated by the Financial Services
Authority. Express Insurance Services Limited (EISL) is part of the
Kwik-Fit Group. We are authorised to arrange general
insurance.
You can check this on the FSA's Register at www.fsa.gov.uk/register or by
calling them on 0845 606 1234.
How to contact us:
By phone:
0800 912 0529
Online:
www.expressinsurance.co.uk
By post:
Express Insurance Services,
22 Old Walsall Road,
Hamstead,
Birmingham
B42 1DT
For the servicing and administration of your policy, you will
deal with us directly. If you make a claim on your policy,
you may deal directly with the insurance company (s) or ULR Norwich
Ltd who adminster some claims on our behalf.
Which companies do we deal with?
We select car, motorcycle and van insurance products from
a limited range of insurers. We only deal with certain
insurers for other products. A full list of insurers is
available on request.
Which service will we provide you with?
You will not receive advice or a recommendation from us. We
will ask some questions to narrow down the selection of products
that we will provide details on. You will then need to make
your own choice about how to proceed. Please ask if you want
a list of all the insurers we deal with.
We will not in any circumstances act as an insurer nor guarantee
or warrant the solvency of any insurer.
What will you have to pay for our services?
Our fees are in addition to any charge made by the
insurer, and are listed below:
Schedule of Fees
| Action |
Charges |
| Permanent change to policy |
Up to £75 |
| Change of address/registration |
£25 |
| Duplicate insurance certificate |
£15 |
| Cancellation within first 14 days |
£40 |
| Cancellation after first 14 days |
£50 |
| Temporary change to policy |
£50 |
| New policy administration fee |
£100 |
| Renewal administration fee |
£100 |
| Change to finance agreement |
£25 |
Premiums generally include a commission which is paid to us by
your insurer for arranging your insurance. Occasionally a
policy is arranged with no commission, in such cases we may make a
charge in lieu of commission to set up / adjust or renew your
policy. These charges will be in addition to our standard
charges detailed above. Where this occurs we will detail
these charges to you.
If you pay your insurance by instalments, an interest charge and
finance arrangement fee of £25 will apply. We will tell you
your payments and the interest rate in writing.
Cooling off period & your right to cancel
You have the right to cancel your policy at any
time. If your policy is cancelled within 14 days of receiving
your documents, (as long as your vehicle has not been written off
as a result of a claim under your insurance), your insurer will
either make a proportionate charge or their minimum charge. Details
of the charges can be found in your policy wording. EISL will also
charge £40.00 to cover the administration of your policy.
If your policy is cancelled after the 14 day period, your
insurers will charge in accordance with their scale which will be
shown in their policy wording. We will charge £50.00 to cover
our administration costs. The full premium will be charged if
there has been a claim on your policy.
If your policy is cancelled (for any reason) and you have any
additional products, these will also be cancelled.
For full details on how to cancel your policy please call us on
0800 197 7089.
Renewals
If you are paying for your insurance by instalment plan,
we will normally renew all your motor policies unless you have
asked us not to. We may, at our discretion, choose not to
automatically renew if you have an unpaid balance or have had any
difficulty in making your payments.
If you have a payment due after we send the renewal invitation
letter to you, and this is not paid, your policy(s) may not be
automatically renewed. In this case, you will need to contact
us to discuss the renewal of your policy.
We will write to you before the renewal date to explain what
will happen and to let you know what the policy terms and new
payments will be.
Any renewal premium quoted only applies provided no claim
happens or is reported after the renewal quotation is issued.
Renewal is invited as long as the insurer has been told of any
change that may affect the risk since original application or last
renewal, including, but not limited to: change of address; change
of use; change of occupation for any driver; any convictions, fixed
penalty offences, pending prosecutions, serious illness and / or
disability of any known drivers; change of or additional drivers
(particularly those under 25 years of age); any modifications or
engine conversions to the insured car.
What to do if you have a complaint?
If you wish to register a complaint, please contact
us:
- ...by phone on 0800 197 7089
- ...in writing to Express Insurance Services, 22 Old Walsall
Road, Hampstead, Birmingham B42 1DT
- ... by email to the Customer Relations Department at customerrelations@kfis.co.uk
If we cannot settle your complaint with us, you may be entitled
to refer it to the Financial Ombudsman Service.
Your insurer(s) are covered by the Financial Services
Compensation Scheme (FSCS) which means that you may be entitled to
compensation if they are unable to meet their obligations to
you. Further information about this is available from the
FSCS.
Your Payment
For the total price of your insurance, please see your
welcome letter. We always show your total premium(s)
including Insurance Premium Tax. We are not aware of any
other taxes payable on your insurance policy(s). We will not
pay you the amount of any interest that we earn from investing your
money before paying it to your insurer.
When insurance monies are paid to us, we act as agent of the
insurer/policy provider when holding this money before paying it
onto them (premiums) or you (claims). Where you have selected
to pay by a payment plan, the annual premium will be paid to your
Insurer by EISL and is funded by Close Premium Finance.
Failure to make instalment payments may ultimately lead to the
cancellation of your policy(s). By allowing us to arrange
your insurance, you agree to any amounts you may owe us, or our
debt recovery agency, being deducted from any premium refund due to
you.
Your Duty of Disclosure
It is an offence to make false statements or withhold information
to get motor insurance. If you don't tell us about all
material facts, your insurance could be invalid and not give
protection in the event of a claim. In particular you should
tell us about all accidents and claims (whether your fault or not
and whether you claimed or not). If you are in any doubt
about whether to tell us about something, please ask us about
it.
You have a duty to tell us about any changes to your
circumstances. In particular you must call us before you
change your vehicle or if you move address. For other
examples of changes you should tell us about, please see your
policy document.
Note: You should keep a record (including copies of letters) of
any information supplied to us.
Important Information - Driving Other
Vehicles
No guarantee of Driving Other Cars cover can be given. You should
check your Certificate of Motor Insurance when you receive it, to
see if you have this cover. Please do not assume that it is
included.
Claims & uninsured losses
If your vehicle is involved in an incident, or you wish
to make a claim, please call 0800 197 7089.
EISL or our claim administrators will, where appropriate, authorise
solicitors to act on your behalf in connection with your uninsured
loss claim, and will conduct that claim on your behalf.
Data Protection Act
The information you give to us, including sensitive personal
information such as convictions, is passed to the insurer(s) of
your policy(s).
What Your Insurer Does With Your
Information
- They use this information for underwriting purposes, to service
your policy, and for statistical and administration purposes.
Insurers may also carry out a credit reference check whenever you
make a change to your policy or when you renew it. They may
share your information with other organisations such as their
reinsurers (for reinsurance purposes) and claims handling companies
(for the supply of claims services). These organisations may
not use your information for purposes other than those stated.
- Your insurer may use third party organisations to carry out
audits on their behalf. This will only happen if a
confidentiality agreement is in place between your insurer and the
organisation. Your insurer 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 they will
make sure that it is kept securely and only used for the purposes
for which you have given it. Details of the companies and
countries involved can be given to you on request.
- Insurers pass information to and use various databases to help
check the information given and also to prevent and find
fraud. This includes but is not limited to; the Claims and
Underwriting Exchange Register, the Motor Insurance Anti-Fraud and
Theft Register, Insurance Hunter, Credit Industry Fraud Avoidance
System, and the Motor Insurance Database. For more about
this, please see your Statement of Insurance or your policy
document.
What We Do With Your Information
- We use your information to service your policy, and for
statistical and administration purposes.
- We may allow our auditors, finance providers and the FSA access
to your information as part of an audit process or in order for
them to facilitate their rights or obligations.
- If there is an unpaid balance on your account, we will pass
your details to a debt collection agency for them to collect this
amount on our behalf.
- We will allow any named driver, or your spouse/partner to make
changes to your policy on your behalf. As part of this
process we will confirm your details with them. If you do not
wish this, please call us on 0800 197 7089, and we
will note our records. Please note, only you can cancel your
insurance policy or change your address. No-one else can do
this on your behalf, but we will allow your spouse/partner or any
named driver to cancel your policy if they are setting up a new one
through us immediately on your behalf, eg with a different
insurance company.
- We may record and monitor calls for the protection of both you
and us, and to maintain our high standards.
- To tell you about our other products and special offers which
could save you money, we will contact you in the future (including
by e-mail if you give your e-mail address), and may share your
contact details with other carefully selected companies as well as
other companies within the Kwik-Fit Group. If you don't want
this, please call us on 0800 197 7089.