How we use your data
We collect personal data to provide your insurance quotation and to manage any policies you hold with us.
Personal data means any information relating to you or another identifiable person linked to your policy. This may include details such as your name, address, date of birth, and vehicle information. In some cases, we may also process more sensitive information, such as health data or motoring convictions, where relevant to your cover.
Disclosure of information
Please make sure all answers are honest and accurate to the best of your knowledge.
Incorrect or incomplete information could result in your policy being cancelled or voided (treated as if it never existed), or a claim being reduced or declined. Guidance is available throughout the journey to help you answer correctly.
The quotation offered is based on the following assumptions, if you do not meet this criteria please contact us before proceeding with the purchase:
- No proposer, director, principal, or named driver or any other person or business associated to you:
- has any current or pending criminal conviction(s) (other than a motoring conviction).
- has been declared bankrupt, insolvent or been the subject of bankruptcy proceedings or insolvency proceedings or been disqualified from holding company directorship.
- has been the subject of a County Court Judgement, an Individual Voluntary Arrangement or a Sheriff Court Decree or in the last six years been disqualified from being a company director
- has had an insurer decline to offer insurance, refused to offer renewal, cancelled any policy mid-term or imposed special terms by any insurer
- had any claim repudiated and/or refused
- None of the proposed drivers:
- have held a UK driving licence for less than 24 months
- have any non-motoring convictions and/or pending prosecutions
- suffers from any medical condition which is notifiable to the DVLA and authorisation has not been granted by them
- have more than six motor conviction penalty points or have been disqualified
- None of the proposed vehicles:
- are or will be driven by a person other than those specified on the Policy Schedule
- will be used for self-drive hire and/or credit hire purposes i.e. any vehicle you hire out or rent to others, without supplying a driver
- have been modified from the standard manufacturers’ specification or are fitted with left hand steering.
- carry out any contract work for Celebrities, Sports Personalities, North American Citizens, High Profile individuals or any one organisation
- are registered to or owned by (or hired, leased or lent to) anyone other than the policyholder
- will be used for carriage of goods for hire or reward in Northern Ireland
- will be used for the carriage of goods for hire and reward
- are used in any areas of an aerodrome, airfield, airstrip, airport or military installation specifically provided for the movement or parking of aircraft or any other designated airside area, or in any power stations, nuclear installations, refineries, or bulk storage or production premises in the oil, gas or chemical industries, rail trackside or other rail property.
- will carry hazardous substances defined as: any goods carried which are defined (by categories 1 – 9) in accordance with the United Nations (UN) classification requirements. These are in respect of explosives, gases, flammable liquid, flammable solids, oxidising substances, toxic substances, radioactive material, corrosive substances and miscellaneous dangerous goods
- will be used for motor trade purposes
- no vehicle to be insured will be used outside the UK for more than 31 days in any period of insurance
- will be used outside of the EU or Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland.
- are non-UK registered.
- have more than 8 passenger seats
