Definitions

“mybestquote.co.uk”, “we” and “our” mean us. “You” and “your” means the user of this site.

Private Individuals Only

This site is for residents of England, Scotland, Wales and the Isle of Man only. Unfortunately, we are unable to provide cover in Northern Ireland and the Channel Islands. The service and products described in this site are available to private individuals, and for their use only. Any part of this site may be copied for your own personal use. You are not permitted to copy parts or all of this site for any other use.

This Website

We take great care to ensure that the information provided on this site is accurate and up to date. Mybestquote.co.uk gives you no promises or warranties about the accuracy or suitability of the information contained

The site content may change from time to time. When this occurs, then your continuing use of the site will be taken as acceptance of any changes. However, should you take a policy through mybestquote.co.uk, no changes to the terms and conditions will apply during the policy term, and you will be notified prior to your renewal date if any of these have changed.

Quotations and Premiums

The quotes provided on this site are not binding quotations. They are intended as an indication of the premium, based on the information you have provided. If you wish to proceed with a policy from mybestquote.co.uk, we will confirm all of the details. Should you fail to disclose any relevant information, or provide us with any inaccurate information, your policy may be invalid. Where details of other people are given, it is your responsibility to ensure that this information is accurate. All premiums quoted to you are inclusive of HM Government Insurance Premium Tax.

The decision to offer you a policy from mybestquote.co.uk is at our discretion.

Duty of Disclosure

We will ask for and seek all relevant information from you in order to help you find an appropriate policy. You must supply us with the requested information as failure to do so, or to provide incorrect information, may lead to you buying an inadequate product, or worse, the insurer may not pay a claim. We require all material facts to be disclosed, which can be described as any fact which may be likely to influence an insurers decision to accept a risk and on what terms. If you have any doubt as to whether a fact is material, please ask us in order that we may advise you accordingly.

If any information supplied changes during the course of a policy period, you must notify us immediately, as this may influence the cover and policy terms and conditions. You should keep a record, including copies of letters, of all information supplied for the purpose of your insurance policy.

Our Services

Our permitted business is arranging general insurance contracts. We deal with a wide range of insurance providers, a list of which is available on request. Because of our wide range of providers, we are able to discuss your needs and establish a product best suited to you.

We are entitled to a fair payment for the work that we do. The Association of British Insurers code gives you the right to know the insurance providers standard commission rate. Our current charges are as follows:

Please note that these charges are in addition to any charges made by the insurers themselves. In certain circumstances, we may have to apply additional charges to reflect the work involved.

When you elect to pay your premium by instalments, payments additional to the insurers premium will be required to cover the cost of our credit advance. Full details of any additional charges will be explained clearly before the commencement of any contract.

Policy Cancellation

If you cancel your policy before its normal expiry date, you will be liable to pay a premium based on the insurers short period rates. The typical short period rates are as follows:

You have certain rights of cancellation in the early stage of a policy life, and these are shown in the insurers policy details document which we will provide. You must send us your certificate of insurance, or a lost certificate declaration, before we can cancel your policy.

Cancelling your Direct Debit mandate does not cancel your policy. Should you not pay in full for your time on cover, a debt recovery agent will be used to collect any money owing, and any cost incurred through this course of action will be added to the debt.

If a claim is made during the insurance year, then the full annual premium will become payable.

Customer Service

Our aim is to provide you with first-class cover and a high standard of service. Should you have any cause for complaints, please contact the manager of the relevant department at A19 Insurance, 70/71 North Road, Boldon, Tyne and Wear NE35 9AX, or by telephoning us on 0191 5194000.

In the event that we are unable to resolve your complaint, we will acknowledge within five working days, advising you of the person who will be investigating the circumstances. A written response will be given within 20 working days, or if it will take longer that 20 days, we will advise you when to expect a final response.

You may also refer your complaint to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall Road, London E14 9SR. We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS.