Mają Państwo14 dni od daty rozpoczęcia polisy albo od daty otrzymania dokumentów, aby anulować ubezpieczenie rezygnując z umowy, jeśli są Państwo zdania, że zostali Państwo wprowadzeni w jakikolwiek sposób w błąd.

Wówczas muszą Państwo zwrócić wszystkie dokumenty wraz z pismem wyjaśniającym, dlaczego ubezpieczenie ma zostać anulowane.

Jeśli chcą Państwo porozmawiać z nami o anulowaniu swojej polisy, prosimy zadzwonić do Działu obsługi kliena pod numer
01302 554 018 i wybrać opcje 1

Wszyscy ubezpieczyciele mają prawo do pobierania opłat na czas ubezpieczenia będącego w użyciu. Zastrzegamy sobie prawo do pobrania opłaty w wysokości £49 na pokrycie kosztów utworzenia Państwa polisy, gdzie ubezpieczenie nie zostało jeszcze wprowadzone w życie.

Po 14 dniach, gdy czas rezygnacji z umowy się zakończył nadal mogą Państwo anulować swoją polisę. Wówczas muszą Państwo zwrócić całą swoją dokumentację ubezpieczenia, w tym certyfikat ubezpieczenia komunikacyjnego wraz z pisemnym wnioskiem o anulowanie ubezpieczenia.

Jeśli płacą Państwo poprzez polecenie zapłaty (Direct Debit), anulowanie polecenia zapłaty nie oznacza automatycznie anulowania polisy, oznacza to po prostu, że przestali Państwo za nią płacić. Jednak polisa nadal będzie aktualna, a składki zostaną rozliczone dopiero po otrzymaniu pisemnej prośby o anulowanie.

Jeśli w tym czasie nastąpiło roszczenie wobec ubezpieczenia, wówczas całoroczna składka będzie płatna.

Polisa może zostać anulowana również poprzez One Call (brokera) bądź ubezpieczyciela poprzez wystawienie siedmiodniowego wypowiedzenia na Państwa ostatni znany adres zamieszkania. Następnie muszą Państwo zwrócić nam swój certyfikat ubezpieczenia komunikacyjnego. Brak zwrotu certyfikatu ubezpieczenia komunikacyjnego jest przestępstwem w ruchu drogowym.

Jest wymogiem dla wszystkich polis komunikacyjnych, żeby anulowanie polisy zostało zgłoszone do MID (baza danych udostępniana przez policję do sprawdzania nieubezpieczonych pojazdów) w celu wycofania całego ubezpieczenia.

FSzczegółowe informacje o anulowaniu opłat są wyszczególnione w Anulowaniach i Zwrotach sekcji Zasady porozumienia Biznesowego.

One Call Insurance Services, Terms of business agreement

07/01/2011

Conditions of Trading
We are an independent intermediary acting as your agent and are responsible for the advice we give you when arranging your insurance.Ā  We use facilities made available by General Insurance Companies and Lloyds Syndicates alike.Ā  We are registered members of the Financial Services Authority (FSA), which sets the standards and rules for the transacting of insurance business (Personal and Commercial) for its members, with you, the customer.Ā  It makes sure that we provide you with clear information so that you can make an informed decision about buying the products and services offered.Ā  We will carry out this business with you in a fair, competent and transparent way.

Our services include arranging your insurance for motor vehicles (i.e. private car, motor bikes and commercial vehicles, for example; vans, lorries and special vehicles), household, commercial (e.g. shop, office, club, pub, etc.) and travel.

Quotations
These are completely based on information you provide to us, at the time of quotation.Ā  Our quotations are guaranteed for 7 days. As an insurance broker our insurer panel offers a fair analysis of the market and we will offer the product best suited to your demands and needs.

Cooling-off Period
If you feel that you have been misled in anyway with regard to the terms and/or the cover that we have arranged you may receive a full refund of premium provided that you cancel your policy returning all documentation within 14 days along with a written explanation. All insurers have a right to charge a policy time on risk that may apply to your file, One Call Insurance will not apply any fee within this period.

Provision of Documentation
At each stage of the period of insurance we will require documentation from you. You must provide this to us on request from the insurer, or ourselves as an agent of the insurer. We, in turn will provide full policy documentation so you can check your policy details, confirm the period of cover and have available any certificates or documentation you must have by law.Ā  This also applies to any changes you wish to make to your policy during its period of cover.Ā  At renewal we will notify you of the renewal date, or when cover will end, in time to allow alternative cover to be arranged if necessary. We will inform you of any changes to the policy cover, service or insurer being offered, explain your responsibilities in the matter and provide any documentation you need by law. We will not withhold any insurance documentation from you without permission, unless the law allows us to do so.Ā  If the policy is cancelled, or expires, we will send all documentation you are entitled to receive, if you ask for it. If the documentation we have said we will provide has not been received then it is your duty to contact us and request a duplicate to be sent. Provided that you advise us within 14 days of the documentation being requested, our duplicate document fee will be waived.

Additional Driver Bonus Builder
Additional Driver Bonus Builder can only be used on a One Call Insurance motor car policy; the benefit cannot be transferred to other companies. Renewal documentation will only show the amount of no claims discount (NCD) the policyholder has earned on their own policy.
It doesn't matter if the policy holder or any additional drivers have made a claim; the discount is calculated on the individual's personal driving history.  The additional driver can claim their NCD gained through the scheme when becoming a policy holder with One Call Insurance.
Additional drivers start to earn their own NCD from 25 years of age, so the first time they will be eligible for named driver NCD is from the age of 26, provided they have been claim-free on your policy and any other policy for the past 12 months.
To qualify for this offer, the additional named driver under the policy must not have been convicted of any offences (whether for motoring offences or general criminal offences) or have any pending prosecutions. The additional named driver must be over the age of 25 and must not have made any claims within the last 12 months.
To get you cheap car insurance premium we use a top panel of the UKā€™s most competitive car insurance providers. Our online quote will tell you instantly how much One Call can save you and all policy documents will be emailed to you the same day.

Our Charges
We will make the following charges for services and expenses incurred on your behalf, or because of your negligence.

1. Policy fee for new business is £15.00. This fee may vary where an insurer does not pay One Call commission. You will be made aware of any policy fee in these instances. Fees for commercial insurance policies can vary to a maximum of 30% of the total annual premium.
2. Duplicate documents of any kind, requested by you £20.00. Please inform us within 14 days if any documents have not been received in order to avoid this charge.
3. Renewal fees for all policies can vary up to a maximum of 35% of the total renewal premium. All motor renewals are invited with our Legal Service included at a cost of £29.95.
4. Policy changes during the period of cover 40% of the insurerā€™s total premium with a minimum charge of £49.00 (this is in addition to any insurance company charges or refunds).
5. Installment plans attract a variable charge, which is included in the agreed payments.
6. Stopped and returned cheques £26.00 or alteration of Direct Debit collection date.
7. Policy fees of £50.00 for new business where an enhanced bonus scheme is given.
8. Commission earned by One Call can vary between 0% and 40% of the total insurance premium.
9. Non disclosure fee and reduction of NCB fee up to £100.00 in addition to any insurers charges. You have a right to dispute a non disclosure which we investigate, in the first instance, without charge. We will contact third parties if you still dispute our findings however should they confirm the information we presented in our first investigations, a fee of £50 will be charged.
10. We reserve the right to make a charge of £49.00 to cover the cost of setting up your policy.
11. Commission Disclosure ā€“ Commercial clients (Non Retail) can request the amount of commission we earn to be disclosed. This will be provided on request.
12. For a hard copy of your documentation there is a charge of £5.99 where you have opted against documents being emailed.
13. Where we have to chase you the client to return documentation a £49.95 fee is added with the final reminder.Ā  If the required documentation is returned within 3 months of inception, this fee is refundable.
14. Where you have paid your policy in full we will debit the specific amount from the card details we hold on file.
15. Where you are paying on office instalments we will make necessary changes to your payments and debit from the card details we hold on file.
16. Where you are paying on Direct Debit the additional amount will be collected over your remaining payments.Ā 

Payment
Cover cannot be issued without receipt of payment be it, in full or by deposit for one of our instalment facilities. We will provide you with proof that you have paid any premiums, fees or charges during the period of insurance. On any policy amendments where the additional premium is higher than £250.00 we will only issue cover on receipt of 20% payment of the adjustment amount.

Rights to Cancel
You have the right to cancel any contract we arrange on your behalf by providing us a written request or verbal (in some cases) to do so (please refer to cancellations section below, with regard to return premiums and our policy on such matters).Ā  We and your insurer also reserve the right to cancel (normally giving a reason for it), should you or any of your appointed representatives act in an uncivilised or illegal manner, or default on payments, or do not provide requested documentation in good time.


Cancellations and Refunds
We recommend that you retain your policy and cover notes carefully. We are able to cancel an insurance policy provided that we have given at least 7 days notice and that we have sent this notification to you (the policyholder) by recorded delivery. In some cases we may be able to accept your verbal instruction.

There is a set charging structure applied to cancellation of any insurance policy arranged through One Call Insurance Services which takes into account our administration costs for arranging the policy and instructing the insurance company to cancel the policy.Ā  The charging structure is as follows:

• 25% of your original new business account will be charged if you cancel within 1 month.
• 35% of your original new business account will be charged if you cancel within 2 months.

The charges continue to increase by 10% each month thereafter until month 9 where the full premium will be charged and no refund given.

If your policy is cancelled and there is a balance to be paid to us we may use your payment card details to collect this amount, we will notify you before taking this payment.

Where an additional or return premium is applied to your account which exceeds 25% of the original new business account, we will include this in the total calculation.

e.g; Insurance premium £500.00, additional ADDON product(s) £100.00, change of policy additional premium £200.00, total new business account £800.00. The policy being cancelled in month 3 carries a 45% charge so charge for the cover £360.00 (£800.00 X 45% = £360.00)

Please note that refunds will not be given if a claim has been made prior to the cancellation of a policy as the insurer will charge 100% of the premium regardless of the time that cover has been in force.

In the event of a refund being due to the policyholder, a cheque will be issued for the appropriate amount once the refund has been received from the insurance company (this normally takes between 6 ā€“ 8 weeks) and we have received your valid insurance certificate or cover note. Where a payment is issued back onto your credit/debit card, a £35.00 fee is applied.

Commercial policies issued on a minimum deposit policy will not receive a refund if the policy is cancelled, where you have chosen to pay on our instalment facility you will be required to pay the balance.

Complaints
We intend to provide you with a high level of customer service at all times.Ā  However, if you think you have just cause to be dissatisfied with our service or insurance cover please contact (in the first instance) the Customer Service department, who will be pleased to help you (Tel. 01302 554015).

Alternatively, please contact us to request our Complaints Handling Procedure which will give you a step by step guide for registering a complaint with us.

The Data Protection Act
Please be aware that we exchange information with other Insurers through various databases and electronic data interchange applications.Ā  This helps speed up the processing of your data by the insurers and allows checks to be made on that information.Ā  It also helps to prevent fraudulent claims being made.Ā  You should also be aware that all insurers supply details of insurance policies to a database which the police and other insurers access.Ā  This helps detect people who break the law by not taking out insurance.Ā  It also helps insurers pursue claims following incidents.

The data we hold on our computer about you is copied to a security tape and stored in a safe place each working day.Ā  You have a legal right of access to your own personal data held on our insurance broking system, this includes paper, electronic files.Ā  You must apply in writing for such information to be copied or printed out, at a charge of £10.00.

Debt Recovery
If for any reason you default on a payment (instalment or account balance) of any kind, and after several reminders the debt remains unpaid, we will employ a debt recovery service.Ā  They will inform you that if the debt remains unpaid to us within the following 7 days of contacting you, then the debt becomes theirs. They will make the following recovery charges to you, which you will have to pay in addition to any debt a fee of £52 plus £5 for each letter or visit incurred to collect the debt.Ā  It is in your interests to pay instalments or balances on the agreed dates to avoid this sort of outcome. If the default persists the debt recovery service may seek to have you "blacklisted" with other credit approving agencies. If an outstanding balance is due on a policy after cancellation or policy lapse we will withhold any no claims bonus until the balance has been cleared.

Renewals

We will invite all motor policies on comprehensive level of cover with the same excess you received on last years policy, we will also invite motor policies with our Basic Breakdown Membership (this offer can be withdrawn at any time) if you require an upgrade an additional charge will be incurred. We will send out your new renewal terms at least 21 days before renewal for all motor policies and 14 days for non motor.Ā Ā  We will automatically renew policies set up on Direct Debit or where the policy was paid by debit or credit card in full using the same card details on or around 5 days prior to your renewal date, (unless you advise us before this time that you do not wish to renew the policy). If your policy is not being paid on Direct Debit or we do not hold your card details, you will need to contact us to renew the policy before the renewal date.Ā  We do hold the right to refuse renewal terms without explanation provided we send notice within 14 days of renewal.

Claims

If there is an outstanding premium at the time of a claim it is our right to withhold any settlement until the balance is cleared.

Direct Debit agreements

If you have opted to pay by Direct Debit, the debit on your bank statement will read "One Call Insurance".

This is a Running Account Credit Agreement made between One Call and Premium First Ltd of 6th Floor, Royston House, 34 Upper Queen St, Belfast, BT1 6FD and you, the customer.Ā  In instructing this agreement to us you are applying for a Running Account Credit Facility to enable you to finance insurance premiums and related costs and expenses.Ā  Any funds made available to you under this Running Account Credit Agreement shall be subject to the terms and conditionsĀ  (a full copy of which will be sent to you by ā€˜Premium Firstā€™ within 14 days from the start of your policy).Ā  Where there is more than one of you, each of you is separately responsible for performing all of the obligations of the customer under this agreement.

You may make a request for funds for the purposes described in the above paragraph only through One Call Insurance.Ā  The amount of any credit that you shall be given shall be debited to your account with Premium First Ltd and credited to your One Call account.

FINANCIAL DETAILS

1.Ā Ā Ā Ā Ā Ā Ā Ā  Credit Limit
We will determine but not notify you of the credit limit available to your account.Ā  We may introduce a credit limit at any time provided that we shall give you at least one monthā€™s written notice of such limit. Thereafter we shall give you a further one months written notice in respect of any variation resulting in a decrease to your credit limit.

2. Ā Ā Ā Ā Ā Ā Ā  Minimum Payments
Whilst any debit balance remains on your account you agree to make minimum monthly payments to us.Ā  We shall write and advise you of the date by which the first monthly payment is required and thereafter in each subsequent month.Ā  Payment is required on the banking business day corresponding to the first payment date (or if there is no corresponding banking business day, the first banking day business day following that date) or such other date as we may specify.

In respect of your first drawing of credit, the minimum monthly payment is the monthly payment specified in the Initial Transaction Details above.Ā  For any subsequent drawings of credit, the minimum amount of monthly payments will be as specified by us to you from time to time having regard to the amount of the Transactions on the account, and the term of the insurances financed by drawings on the account.

The payment date can be altered after the first payment is received to a more convenient date in the month however there is an administration charge of £10.00 if you request an alteration more than once. Premium First also charge £10.00 for changing the payment date after 60 days from inception of the policy.

3.Ā Ā Ā Ā Ā Ā Ā Ā  Interest Charges
Interest shall be charged at the rate specified in the Initial Transaction Details above.Ā  The interest shall be varied up by us upon seven days written notice given to you at any time so that we may take account of actual or expected changes in market conditions. We will vary the interest rate in respect of any credit already advanced to you for the purpose of paying insurance premiums. The rate of APR is specified in the Initial Transaction Details above and assumes possible variation in the rate of interest but never any higher than a maximum of (28.82% APR).

4. Ā Ā Ā Ā Ā Ā Ā  Default charges/Refunds
If a Direct Debit payment is rejected a charge of £15.00 will be applied by Premium First and £10.00 by ourselves to cover administration costs. Where you default more than twice the Direct Debit facility will be withdrawn and a new plan arranged by our office via post dated payments, we must have payment details available to collect the agreed instalments.Ā  We reserve the right to charge a fee of £14.95 where you have defaulted on a Direct Debit payment and we have to set up a new payment plan.Ā  New repayments will only be offered up to the 8th month of your policy term.Ā  Authorised refunds will be processed within a 21 day period.

If you have defaulted on your monthly payment and the attempt to re apply at your bank has failed we will use your payment card details to collect this amount, we will notify you before taking this payment.

5.Ā Ā Ā Ā Ā Ā Ā Ā  Data Protection Act
The terms and conditions below sets out the way in which we may use the information about you and the circumstances when we may pass information about you to someone else.Ā  In particular, for the purpose of administering your account information about you and the conduct of your account will be held on record by us.Ā  The information will aid us in assessing the extent of credit we can offer you.Ā  Credit scoring may be used for credit assessment.Ā 

We may before entering into this agreement search the files of any credit reference agency or agencies who will keep a record of our enquiries.Ā  We may also disclose details about you and your conduct of this agreement to that agency or agencies.Ā  Such details are then used only to help make credit decisions on you or members of your household or occasionally for fraud prevention or to trace debtors.

Information about you and this agreement may be used by us or passed to other companies associated with us and carefully selected third parties for the marketing to you of credit and other products and services which we think may be of interest to you.Ā  These may be offered by letter, telephone, or other electronic media.

If you do not want to receive information on other products and services please indicate this by ticking here and return this page to us, adding your full name and address belowĀ Ā  (Ā Ā Ā  )

6. Ā Ā Ā Ā Ā Ā Ā  Renewal Procedures
Your policy runs for 12 months and after this period, we will automatically renew your policy and direct debit agreement (subject to status). Full instructions will be sent to you 21 days prior to the expiration date of your policy.

7.Ā Ā Ā Ā Ā Ā Your Declaration

By accepting this agreement you confirm the following declaration:
Please set up an account for me on the terms and conditions set out above.Ā  I confirm my details and the information on the proposed use of funds is correct.Ā  I authorise you to make such enquiries as you think necessary in connection with this application and I understand that unless I have indicated otherwise, I may receive from you, details of other products and services which may be of interest to me.Ā 

YOUR RIGHT TO CANCEL

You have a right to cancel this agreement.Ā  There is a charge of 6% of the total amount financed for cancelling before the end of the agreed term.

You can do this by sending a WRITTEN notice of cancellation to One Call Insurance PO Box 664 Doncaster DN1 1AW. You have FIVE DAYS starting with the day after you received this booklet.Ā  You can use the form provided which will have been sent to you with your policy documentation and headed "Premium First ā€“ Cancellation Form".

If you cancel this agreement, any money you have paid via this Direct Debit must be returned to you, you will still have to repay the money lent to you. But if you repay all of it before your first instalment is due or, if you are not paying by instalments, within one month after cancellation - you will not have to pay interest or other charges.