Terms and Conditions

This document sets out how we, Hastings Insurance Services Ltd, will deal with you as a customer. Use this information to decide if our services are right for you.

You will enter into two separate contracts when you take out an insurance policy through us. The first contract is with us for arranging and administering your insurance policy on your behalf. We shall charge you a fee(s) for providing our services. Our terms and conditions are set out in this document.

The second contract is with the Insurer for providing your insurance and they shall charge you a separate premium inclusive of Insurance Premium Tax as applicable. Their terms and conditions are set out in the Policy Booklet, Statement of Motor Insurance and Policy Key Facts (which are part of your Welcome Pack).

When you purchase Additional Products you will enter in to further contracts with each Insurer on the same basis as the second contract.

Our arrangement and administration fee and the separate premium will form the total price of the insurance. The specific amounts paid in respect of the cover you hold are found in the Covering Letter in your Welcome Pack.

In addition we can arrange insurance on your behalf for the following products from a single insurer:

Please ask us for a list of insurers we can arrange insurance on your behalf with

We will advise and make a recommendation for you after we and the insurer have undertaken a comprehensive assessment of your needs.

Our service includes: arranging your insurance cover on your behalf with insurers to meet your requirements; and helping you with any ongoing changes you have to make, such as amendments to the cover, use and property insured.

We will also arrange the cancellation of your policy and arrange cover with an alternative insurer if your requirement to amend your policy is not acceptable to your original insurers.

Additionally we will arrange optional additional covers such as legal protection and breakdown where these meet your needs. We will also arrange the renewal of your insurance (see section 9)

* reduced to £25 if you cancel within the 14 day cooling off period (see section 10)

If we give a discount on our fees and/or the insurer's premium at the inception of your policy, and the policy is subsequently cancelled, we shall be entitled to reduce the amount of any refund to enable us to reclaim the unused portion of the discount.

If you fail to pay any money you owe us on the due date and we instruct any third party to collect this money from you, you agree that you will pay the reasonable costs of the third party for collecting the money for us.

We use a third party to collect and store card details in accordance with industry standards. We will use the card details stored on our behalf to collect payment for mid-term changes, defaulted instalments including the associated fee, balances following cancellation and for renewal of your policy. We will inform you in advance of doing so.

If payment is initially made by debit/credit card any refund will be made to the same card in accordance with the Terms and Conditions of the card issuer. All other refunds will be made by cheque. We are unable to give cash refunds.

If you do not pay for your insurance you should show these details to the person who paid on your behalf.

All money received by us in respect of insurance premiums is held on behalf of the relevant insurer so that you have no risk in the event of our insolvency.

The total price of your insurance is shown in your documents including insurance premium tax where applicable. For legal purposes, we are required to inform you of the possibility that other taxes or costs may exist that are not paid through or imposed by us – however, we are not aware of the existence of any other taxes or costs currently payable.

When dealing with any amendments or alterations to your policy, we will not collect or refund any amounts under £1.

Please note that any interest earned by us and any investment returns on any segregated designated investments will be retained by us.

Unless agreed otherwise with you, all policies arranged and administered by us are governed by English law and subject to the jurisdiction of the English courts. All information about the contract will be provided in English.

Hastings Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA).

Our FSA registered number is 311492.

You can check our registration on the FSA's register by visiting their website or by contacting the FSA on 0845 606 1234.

Our permitted business is arranging, advising, dealing as agent and assisting in the administration of non−investment insurance contracts

Hastings Insurance Services Limited is wholly owned by Hastings 888 (UK) Limited (registered in England and Wales number 06769523) which, in turn, is wholly owned by Hastings 888 (Holdings) Limited (registered in England and Wales number 07162484) which, in turn, is wholly owned by Hastings Insurance Group Limited (registered in Jersey number 108490) ("HIG").

If we have arranged your insurance with Advantage Insurance Company Limited, which is wholly owned by Advantage Global Holdings Limited ("AGH"), we should advise that there are some common shareholders with more that a 10% stake in both HIG and AGH.

However we act totally independently in the day to day running of our business and in deciding which insurers to place business with. Wherever we recommend a policy underwritten by Advantage Insurance Company Limited we will advise you of this connection before you commit to buy.

We will write to you in good time 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 will only apply provided no claim happens or is reported after the renewal quotation is issued, and provided you have informed us of any change that may affect your policy since inception or last renewal

At renewal, for your convenience and protection we may automatically continue your insurance (including any additional policies such as legal protection, breakdown, personal accident), unless you ask us not to. We will write to you before renewal date to remind you of this and inform you of any changes to your policy.

This section contains important notes about your rights of cancellation. You must read these notes carefully.

You can cancel your policy at any time by sending written notice to the address given below.

We can cancel your policy by sending you a seven-day notice in writing to your last known address.

If your policy is cancelled, we will refund your premium as follows.

Private Car, Motor Bike, and Van Policies

We will only cancel a Motor Policy at your request if you meet the legal requirement to return the certificate of motor insurance to us. If you have lost the certificate of motor insurance, you must send in a completed written declaration confirming that you wish to cancel and no longer have the certificate of motor insurance in your possession.

Additional Products

The policies shown below can be cancelled at anytime. However, unless they are cancelled within the 14-day withdrawal period, they will be subject to no return in premium.

• The address to return your policy document to is: Hastings Insurance Services Ltd, Conquest House, Collington Avenue, Bexhill-on-Sea East Sussex TN39 3LW

• The withdrawal period of 14-days commences from the time the contract is concluded. The contract is concluded, when you receive the documents from us. We are entitled to assume that documents have been received in accordance with accepted principles of law. That is: provided the document is sent to the correct address, documents posted first class on business day one are received on business day two

Car & Home Policies
• If you have a balance outstanding following the cancellation of your policy, the credit card used to pay the first repayment will be charged with the outstanding balance, as this card will be used to secure the premium payable for your insurance.

Motorbike Policies
• If you have a balance outstanding following the cancellation of your policy, the credit card used to pay the deposit will be charged with the outstanding balance, as this card will be used to secure the premium payable for your insurance.

• If you do not pay for your insurance you should show these details to the person who paid on your behalf.

We aim to provide all our customers with a high level of service and satisfaction but if you wish to complain about any aspect of our dealings with you please contact us:

In writing - Write to our Customer Relations Department, Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex TN39 3LW

By phone - Telephone us on 0844 800 3844

If we have been unable to resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service.

Their details are:

Address- Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
LondonE14 9SR

Telephone - 0207 964 1000

Website - "www.financial-ombudsman.org.uk

These procedures do not affect your right to take legal action if necessary.

We are covered by the FSCS. You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of business insured and the circumstances of the claim.

Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.org.uk.

Access and use of this website ("Website") and its content is subject to the following terms and conditions of use (" Website Terms of Use"). By accessing the Website you confirm that you have read, understood and accept these Website Terms of Use.

In these Website Terms of Use, "we", "us" and "our" means Hastings Insurance Services Limited and its subsidiary companies and trading styles (including Hastings essential and Hastings Direct) and "you" and "your" means you, the Website user.

The Website is made available to you by Hastings Insurance Services Limited, having its registered office at Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW (registered in England and Wales no. 3116518).

The Website, and the information and services provided on or through the Website, are directed at those who can access the Website from the United Kingdom and are intended for use solely by residents of United Kingdom. Any online services and information we provide to you at your request will be in respect of insurance policies, which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.

The Website is provided on an "as is" and "as available" basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.

Whilst we have taken all reasonable steps to ensure that the information published on the Website is accurate and up to date, we give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the Website and we accept no liability for any errors or omissions.

Certain information on the Website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

You acknowledge that the copyright in the Website and its entire content (including, but not limited to, design, graphical, auditory and text arrangements, database rights and other intellectual property rights) belongs to Hastings Insurance Services Limited or their related, affiliated or subsidiary companies. You may only use the Website for your own private non-professional use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the Website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the Website in whole or in part in any material form without prior written consent from Hastings Insurance Services Limited or their related, affiliated or subsidiary companies.

Entry to, or interference with, the Website, with intent to corrupt, damage or deny service from the Website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the Website from any such activities in order to protect our intellectual property rights.

The names Hastings Insurance Services Limited, Hastings essential, Hastings Direct and any other images, logos, icons and trademarks of Hastings Insurance Services Limited featured on the Website are the proprietary marks of Hastings Insurance Services Limited. The names, images, logos and icons of third party companies, products or services featured on the Website are or may be the trademarks of their respective owners.

Unless otherwise agreed in writing with us, nothing on the Website shall be deemed to confer on you any licence or right to use any featured name, image, logo or trademark and any such use may constitute an infringement of our, or a relevant third party's, rights as owner.

In using the Website you agree to be bound by our Privacy Policy which forms part of these Website Terms of Use and you understand and agree that any personal information (including sensitive information) you provide through your use of the Website will be dealt with in accordance with our Privacy Policy. To access our Privacy Policy please click on the 'Privacy Policy' link provided at the bottom of every page of the Website.

Nothing in these Website Terms of Use restricts or excludes our liability to you for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.

Subject to the above, and as specified in these Website Terms of Use, we shall not be liable for any losses, damages, costs, claims, expenses or liabilities whatsoever (whether direct, indirect, special, consequential or otherwise) arising out of or in connection with:

• the content of the Website
• any unavailability of the Website or certain areas of the Website
• any amendments or changes to the Website or its content
• your use of the Website otherwise than in accordance with these Website Terms of Use

Some pages on the Website may contain hypertext links to websites not operated or maintained by us (" Third Party Websites ") which we hope will be of interest to you. You are reminded that when you enter Third Party Websites by means of hypertext links from the Website you will leave the Website and will be subject to the terms and conditions and privacy policies of those Third Party Websites. Similarly, if you enter the Website by means of hypertext links from Third Party Websites you will be subject to these Website Terms of Use.

Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we do not endorse, and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such Third Party Websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites. We are not liable for any loss or damage which may arise from your use of any Third Party Websites.

Messages sent over the internet cannot be guaranteed to be completely secure and may be subject to possible interception by third parties. For these reasons, please do not use email to send us communications that contain confidential information. We are not responsible for any messages sent over the internet and will not be liable to you or anyone else for any loss suffered in connection with any message sent over the internet. Please note that we are unable to provide insurance quotes and cover via email.

From time to time we may amend or update these Website Terms of Use and/or the content of the Website without informing you in advance. The Website will always display the current version of the Website Terms and Conditions. By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.

These Website Terms of Use are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.

We offer an online quotation service and an online cover service by means of the Website.

The range of insurance products featured on the Website are arranged and administered by, or on behalf of, Hastings Insurance Services Limited. We reserve the right to change without notice the insurer(s) used in connection with the Website.

When you access the Website these Website Terms of Use will apply in respect of our services. We recommend that you read our terms of business carefully and that you print out a copy for your records.

If you wish to make use of one or more of our online services you will be taken through to the secure area of the Website (recognisable by 'https:' in the address bar of your browser) where you will have online access to documentation and information in respect of the policies we arrange and administer through the Website, including key policy information, policy terms and conditions and other important legal information.

Before applying for an online quotation or online cover you should read this documentation and information carefully to ensure that you understand the contents.

You may wish to print out this information and documentation for your records, although, should you choose to take out online cover through the Website, we will send you all documentation relating to your policy within 7 working days.

You may also find it helpful to consult our list of FAQs, which you can access from the 'FAQs' link on the Website's homepage.