Please ensure that the information you have provided is accurate and the statements on this page are all correct.

The premium is calculated using this information and any incorrect, inaccurate or incomplete information could invalidate all or part of the policy and result in claims being rejected or not fully paid. This policy will be governed by English Law unless you and we agree otherwise. Our cancellation and complaints procedures are detailed in the policy and our cancellation procedures are as follows:

• If you cancel before your policy is due to start, we will return any premium paid in full.
• If you cancel within 14 days of the policy starting , or within 14 days of receiving your documents (whichever occurs later), we will return any premium paid less a charge for the number of days for which cover has been given and an administration fee of £0.00 (including Insurance Premium Tax where applicable) or;
• If you cancel after those 14 days have passed we will return any unused premium less the administration fee of £48.16 (including Insurance Premium Tax where applicable) or;
• If you have made a claim or if one has been made against you during the current period of insurance, you will not receive a refund.

If your circumstances change between the date you purchase the policy and the date when you require the policy to commence, please call us. Failure to inform us of any changes could invalidate all or part of the policy and result in claims being rejected or not fully paid.

If you wish to purchase this policy, details of the payment options available to you and the purchase procedure are displayed on the following pages.

We will securely store your payment details so that we may automatically renew your policy for subsequent years. Each year we will write to you before we take any payment to remind you that this is happening.

Insurance cover is subject to our standard policy wording.

Mid term adjustments to your policy may result in an administration fee of £ (including Insurance Premium Tax where applicable) as well as any additional premium incurred as a result of the amendment.

• All drivers are at least 21 years of age and hold a valid UK or EU driving licence and are permanently resident in the UK.
• The total number of accidents or claims for all drivers does not exceed 5 in the last 3 years.
• The total number of convictions, fixed penalties or disqualifications for all drivers does not exceed 3 in the last 5 years.
• Your No Claim Discount (NCD) must have been earned in the UK (including Channel Islands, Isle of Man and Republic of Ireland) and issued by your previous UK insurer. All NCD must be written in English, the NCD level shown in years and not as a percentage. All NCD should be in your name as the policyholder and not be in use on any other vehicle.
• The vehicle is kept at your address and has not been modified or altered in any way (including wheels, suspension, bodywork and engine), other than external signage, internal paneling and/or internal or external racking.
• Any misrepresentation made by you in order to obtain a lower premium could result in cancellation of your policy and rejection of any claims.
• If you selected one of the following occupations when obtaining your motor insurance quotation then the vehicle may only be used for Social, Domestic and Pleasure purposes: Motor Trade, Retired, Housewife / Househusband, Drivers, Students and Unemployed. If you require additional drivers to have business use or are uncertain about the type of use you require, please save your quote and contact us on 0345 301 4465
• Your business or the business of your employer is not in any way connected with any of the following: the entertainment or fashion industry, professional sports, foreign service, foreign diplomatic personnel, mini-cab drivers or mini-cab controllers.
• Your vehicle is not used for hire and reward including couriers.
• Your vehicle is not used for the purpose of cooking food or providing hot or cold refreshments such as Ice Cream Vans, Burger Vans or does not carry hot bitumen or any other heated or refrigerated or frozen goods.
• The annual mileage of your vehicle does not exceed 50,000