These terms and conditions set 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 on this page.
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).
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.
The information that you have supplied in connection with quotations obtained and policies arranged forms the basis on which your insurance cover and premiums are agreed. You must ensure that you are complying with your legal duty of disclosure of all material facts relating to the risk, and you must satisfy yourself as to the accuracy and completeness of the information you provide to insurers.
A material fact is one which is likely to influence an insurer in the acceptance and assessment of the proposal. For example, a young or inexperienced driver, or any offence (including non-motor related offences such as fraud, robbery, theft or handling stolen goods) or prosecutions pending, or infirmities of any driver. It is an offence under the Road Traffic Acts to make any false statement or withhold any material information for the purpose of obtaining a certificate for motor insurance. All material facts must be disclosed — failure to do so could invalidate your insurance policy.
If there are any changes in your/your permitted drivers' circumstances during the period of insurance cover please provide us with details. If you don't, your insurance may not be valid or you may not be covered fully.
Below are some examples of what you should tell us about.
If you are not sure whether a certain fact is relevant, please call us on 0800 035 4946.
If you do not tell us about relevant changes, your insurance may not cover you fully, or at all. We recommend you keep a record (including copies of letters) of all information provided to us for your future reference.
You are advised to carefully check your insurance documents once received. If any information is incorrect or missing, we must be notified at once.
Hastings Van is a trading name of Hastings Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA).
Our FCA registered number is 311492. You can check our registration on the FCA's register by visiting their website www.fca.org.uk/Register or by contacting the FCA on 0845 606 1234.
Our permitted business is arranging, dealing as agent and assisting in the administration of non-investment insurance contracts.
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 the 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.
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:
Write to our:
Customer Service Manager
Rosalind Franklin House
Oaks Business Park
By phone — Telephone us on 01638 782 300.
If we are unable to resolve your complaint immediately, we will acknowledge your complaint in writing within 5 business days. In our acknowledgement we will advise you of the name and job title of the person who will be dealing with your complaint.
Within four weeks of receiving your complaint we will send you either a final response; or a letter explaining why we are not yet in a position to resolve your complaint and advising you of when we will be contacting you again.
By the end of eight weeks after receipt of your original complaint letter we will send you a final response or a letter explaining why we are still not in a position to issue a final response and advising you of when we expect to be able to do so.
If you have a complaint against your insurer, please refer to the policy booklet for details of your insurer's complaint procedure.
If we have been unable to resolve your complaint, you may be entitled to refer it to the Financial Ombudsman Service. Their details are:
Financial Ombudsman Service
Harbour Exchange Square
Telephone: 020 7964 1000
These procedures do not affect your right to take legal action if necessary.
For motor, home, bike and van insurances we deal with a range of insurers allowing a fair analysis of the market place. For optional extra cover such as legal expenses sold as a supplement to your main policy, we can only offer insurance from a single insurer.
Please ask us for a list of insurers we offer insurance from.
We will provide you with sufficient information to enable you to make an informed decision on your purchase.
As We will not make a formal recommendation please consider all information carefully to ensure the product(s) meet your requirements before you decide to proceed. 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.
The insurers we deal with can change their rates on a regular basis. For this reason, we cannot guarantee the price you have been offered, based on the information you have provided, unless the policy is purchased at the time you received your quote.
You can cancel your policy at any time by sending written notice to our address:
Rosalind Franklin House
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:
If you or we cancel the policy within the 14-day withdrawal period, whether cover has commenced or not, we will refund the part of the premium you have not used subject to our cancellation fee of £25.00 and any charge made by the insurer. (Refer to your Certificate or schedule for details of the insurer's cancellation charges).
If you or we cancel the policy at any other time, we will refund the part of the premium you have not used subject to our cancellation fee and any charge made by the insurer. (Refer to your Certificate or schedule for details of the insurer's cancellation charges).
You may not receive a refund of your premium if you have made a claim, or if one has been made against you, during the period of insurance. If you are paying by instalments and have made a claim you may have to pay the balance of the full annual premium.
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.
We will only cancel a Motor Policy at your request if you meet the legal requirement to return the certificate of motor insurance. 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. Please note that we are unable to backdate cancellations.
The above policies can be cancelled at any time. However, unless they are cancelled within the 14-day withdrawal period, they will be subject to no return in premium.
You are always advised to discuss your options with us prior to deciding upon cancellation of your policy.
In the event of an accident or incident occurring which may give rise to a claim under your policy, you should notify us as soon as possible using the telephone numbers on our claims page
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 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.
We make the following charges for administering your insurance. Your insurer may charge a premium for any changes you make to your policy and will charge a premium for the time you have been on cover should you decide to cancel your policy. These premiums will be in addition to our fees which are for our services only.
|Policy arrangement & administration|
|Arranging your policy online||£0|
|Arranging your policy via our call centre||£12.50|
|Arranging your policy at renewal||£5|
|Amendments to your policy made by you|
|Add/Amend an accident or convictions||£0|
|Amend vehicle security||£0|
|Amend day time / over night parking||£0|
|Amend Name / Marital status||£0|
|Correct an error by one of our advisers||£0|
|All other amendments not listed above||£25|
|Amendment to your policy made by our Business Administration Team|
|As part of our new business process our Business Administration Team will check your information and may have to make amendments to your policy to correct the information we hold. Any amendments made as a result of these checks will result in payment of our administration fee||£25|
|Cancellation (after 14 days) if you take up alternative cover from Hastings Direct||£0|
|Cancellation (within 14 days)||£25|
|Cancellation (after 14 days)||£45 in addition to any charge made by your insurer.|
|Sent via E-mail or fax||£0|
|Resent by post due to not being received within 6 weeks of the start of the policy||£0|
|Sent via post||£5|
|Direct Debit with Hastings Insurance Services Limited||£20|
|Direct Debit with Close Premium Finance||£30|
|Method of Payment Charge|
|Payments By Debit card||£0|
|Payments By Credit card||1.25%|
If you do not pay in full for your time on cover or you fail to pay any part of your insurance, we may choose to use a debt collection agency to collect any monies owing. Any costs incurred will be added to the debt.
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 & Conditions of the card issuer. All other refunds will be made by cheque. We are unable to give cash refunds.
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.
We will always provide advance notice either in writing or over the telephone, before any transaction is processed, when you will have the opportunity to pay by an alternative method.
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 wholly owned by Hastings (UK) Limited (registered in England and Wales number 06769523) which, in turn, is wholly owned by Hastings (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 AGH is also wholly owned by HIG.
Wherever we arrange a policy underwritten by Advantage Insurance Company Limited we will advise you of this connection before you commit to buy.
A third party may have introduced you to us and for this the introducer may be paid a fee by us. We may also, with your consent, introduce you to other third parties, for which we may be paid a fee.
Any personal data you provide will be held securely and in accordance with the Data Protection Act 1998. The information you have given us will be held and used to manage your insurance policy, which will include both underwriting and claim handling. For this purpose we may disclose it to other interested third parties, for example insurers, other intermediaries, uninsured loss recovery agencies, regulatory authorities for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes, other third parties involved (directly and indirectly) in your insurance, and agents (including claims handling agencies) who provide services on our behalf.
We may also need to disclose personal data to a third party so that the service you requested can be provided. It may also be necessary to transfer it to countries outside the European Economic Area.
Your calls may be monitored and recorded in order that the service may be improved and to help prevent and detect fraud. Documents received by us are filed electronically. We may check information provided or received and we, our insurers and our credit providers may also undertake credit searches and additional fraud searches. We may also pass information about you to credit reference agencies and premium finance providers in connection with the assessment of your financial standing generally and, in particular, where you have requested a premium instalment plan. This may include details of your payment record with us.
By accepting this policy you consent to our processing personal data including sensitive data about you and other persons who may be insured under the policy. You understand that all personal data you give to us must be accurate and that you have the specific consent of those other persons to disclose their personal data.
Insurers pass information to the Claims and Underwriting Exchange Register (CUE), run by Insurance Database Services Ltd, the Hunter Database, run by MCL Software Ltd., and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI), and other databases. We, and your insurer, may search these registers as this helps us to check information provided and to prevent fraudulent claims. We may also undertake credit searches and additional fraud searches. Under the conditions of your policy you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information relating to it to the registers.
We and/or your insurer may pass information about you to credit reference agencies, where it is necessary to carry out a credit check search on you before we and/or your insurer provide you with any services (including quotations and prior to offering a renewal). You should be aware that the results of those searches will be recorded by the credit reference agencies and that we and/or your insurer and other organisations may use those records in order to help make credit decisions about you, people financially linked to you and others in your household. Often insurance and other financial services providers will only request a credit check once you have decided on a particular supplier. Every application you submit for a loan or credit card, however, may affect your credit score so you may wish to keep applications to a minimum to protect your credit rating.
Information relating to your insurance policy will be added to the Motor Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
If you are involved in a road traffic accident (either in the UK, EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information.
Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com
You can find out more about this from your insurer, or at www.mib.org.uk
You should show these notes to anyone insured to drive the vehicle covered under this policy.
Your information may also be used for customer services, marketing (including customer profiling), offering renewals, research and statistical purposes, and crime prevention. We may share your information with our agents or service providers and with third parties with whom we have a business relationship, for the purposes described above. If you give us information about another person, in doing so you confirm that they have given you permission to provide it to us to be able to process their personal data (including any sensitive personal data) and also that you have told them who we are and what we will use their data for, as set out in this notice. If you, or any other person of whom you have provided details, do not wish your data to be used for marketing purposes, you can write to our Data Protection Officer at Hastings Van, Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW.
In the case of personal data, with limited exceptions, you have the right to access and if necessary rectify information held about you by formal written application to our Data Protection Officer at Hastings Van, Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW.
We recommend you keep this document safely with your policy and all other documents relating to your insurance. We have shown, within your documentation, the information that you supplied to us, and on which your premium has been calculated. In the event of a claim, or on request, you must be able to substantiate this information, so it is important that you check it, and can agree that it is all correct to the best of your knowledge and belief. If anything is not correct or differs from what you told us, you must contact us immediately, as otherwise your insurance may be rendered invalid, or your insurers entitled to avoid payment of a claim. In particular, you must remember that you have to disclose all material facts to us. Material facts are any facts that are likely to influence an insurer in his acceptance or rejection of your risk. If you are in any doubt as to whether a fact is material or not, you should disclose it to us. If the information is NOT true and complete, your insurance may not protect you in the event of a claim. It is an offence under the Road Traffic Act to make any false statement or to withhold any information for the purpose of obtaining a certificate of motor insurance. If you provide an answer or information which you know is untrue you may be committing a criminal offence. You must also disclose all information which you know we would want to take into account in evaluating your proposal (eg previous accidents). Failure to provide such information may be a criminal offence. These offences are punishable with up to 10 years imprisonment and/or a fine.
It is important to note that, if the vehicle is to be driven by anyone who has, to your knowledge, had motor insurance refused or cancelled at any time in the past, the agreement of the insurers MUST be obtained before cover can be granted. It is important that your vehicle is kept and maintained in a roadworthy condition with a valid MOT certificate where required by law.
You can advise us of any amendments by phoning us on 0800 035 4946, by emailing us at email@example.com, by faxing us on 01638 782301, or by writing to us at Hastings Van, Rosalind Franklin House, Fordham Road, Newmarket, Suffolk, CB8 7XN.