Terms and Conditions

These terms will apply to your use of our on-line service, whether or not you choose to take out insurance cover and access to our website demonstrates your agreement to these terms.                                                                                               
We strongly recommend that you read these terms carefully and that you print a copy - particularly if you choose to take out insurance cover with us

We may change these terms of use at any time and will display only the current version on our website. If you access our website or use our online cover service after we have changed these conditions you will be accepting the changed versions.

The Financial Services Authority

Express Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA), the independent watchdog that regulates Financial Services. Our FSA Registration number is 311354.

Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FSA's register by visiting the FSA website, www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Our Service

We will assess your insurance needs and offer the most competitively priced policy which satisfies those needs, normally without offering any personal recommendation or advice. Where we do offer advice, we shall confirm this to you in writing. We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer. You understand that these Terms and Conditions, together with your Proposal Form or Statement of Facts, establish the basis of your contract with Express Insurance, whom you have appointed as your independent intermediary.

Personal Insurance:

We select motor insurance products from a limited range of insurers.  A full list of insurers is available on request. A single provider is used for each of our optional extra policies.

Payment of our services

We normally receive commission from the insurers or product providers with whom we deal and may make charges upto the following amounts for the ongoing administration of your insurance.

When your policy is arranged you will be informed of the total price to be paid, including any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. This will also be displayed within your welcome documentation.

Handling Client Money and/or Insurer Money

We collect and hold money as agent of the insurer/policy provider.

Provision of Cover

You should be aware that cover cannot be granted in the absence of premium payment, or part thereof. In the event of an initial payment not being authorised, cover may not be deemed to have been afforded in any way. It remains your responsibility therefore to ensure that sufficient funds are available so that cover may commence.

Your Responsibilities

You are responsible for providing the complete and accurate information, which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. When obtaining quotations through this website, if you fail to disclose any material fact or other information material to the insurance this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form or Statement of Facts and pay particular attention to any declaration you may be asked to sign.

You should read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your policy. Any points which you do not understand should be communicated to us within seven days. Should your premium not be correct or should you have not made us aware of all particulars relevant to this risk, where applicable you will have the option to cancel your cover and receive a refund of all monies paid less any time on risk charge made by the Underwriters. Alternatively you may have the option of paying the additional premium required to continue the policy cover. You understand that, should you have left off your proposal form details of any person who will drive, accidents, claims, convictions, or modifications to your vehicle, then in the event of a claim your Policy will be made void from inception and the claim refused.

Upon receipt of your policy documentation a fourteen day cooling-off period becomes effective. Should you find that the policy is unsuitable for your needs, you may cancel at any time within this period by informing us in writing and returning your documents. In addition to any charge made by your insurer for time on risk, a charge of £40.00 may be made by Express Insurance for the administration of your policy at that point.

You should be aware that no guarantee of the Driving Other Cars extension can be given until the Certificate of Insurance is issued and the extension is granted.

You must understand that, where you inform us that your vehicle is fitted with an engine immobiliser, this becomes a condition of your policy and, as such, unless there is an immobiliser fitted and/or it is in good working order, no indemnity against theft of the vehicle will apply. Proof must be supplied in the form of a certificate from an Approved person/organisation and must be supplied at inception of the policy.

You should inform us immediately of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. If you are unsure about any matter, please contact us for guidance.

You understand that this contract unless otherwise stated will be subject to English Law.

Agreed Procedure

• You should co-operate fully with our procedures - particularly in supplying all information and documentation that we require promptly and within a maximum of three weeks from receipt of these documents where appropriate. Failure to do so may lead to the commencement of cancellation procedures.
• You accept that it is your responsibility to ensure that you hold a current cover note/Certificate of Insurance.
• You agree that any refund of premium following a mid term adjustment will only be credited upon receipt of same from your Insurance Company.
• In administering your policy you accept that we may record or monitor telephone conversations between us to assist in improving customer service.

Instalment Terms

You understand and agree that, where you have selected to pay via a payment plan, the deposit paid represents cover that has been afforded to you and that the whole of the annual premium has been paid to the agreed insurance company by Express Insurance and is funded by Kaupthing Singer & Friedlander Premium Finance. You further understand that failure to make instalment payments may ultimately lead to the cancellation of your policy.

In the event that we make formal demand for repayment of your borrowing and you do not make full repayment or satisfactory proposals to us within 28 days, we may disclose this to credit reference agencies, who will record and proceed to recover the outstanding debt.

Complaints and Compensation

We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please contact our Sales Support department on 0845 330 3351 who will advise you how to proceed.

Having followed our Customer Complaints Procedure, if you are still not satisfied, you may refer your query to the Financial Ombudsman Service. 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. This depends on the type of insurance, size of the business (if a commercial customer) and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.
Read further information about the Express Insurance complaints procedure.

Cancellation of Insurances

You should make any request for the cancellation of a policy in writing and any relevant certificate of insurance should be returned to us or to the insurer concerned. In the event of cancellation, charges for our services will apply in accordance with our schedule of charges. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of cancellation.

You understand and agree that any shortfall in premium following cancellation will be your responsibility and irrevocably authorise Express Insurance to deduct any such shortfall from any refund generated under any policy held in your name where appropriate.

Confidentiality of Personal Data

All personal information is treated by us as confidential and is processed in accordance with the relevant legislation. We will not use or disclose personal information without your consent, other than in the normal course of arranging and administering your insurances, except where we are compelled by law (including by regulators or law enforcement agencies) to disclose such information. In such instances personal information held by us may be disclosed on a confidential basis, and in accordance with the Data Protection Act 1998, to such third parties.

Express Insurance may use your information together with other information for administration, marketing, customer service and for profiling your purchasing preferences. We will disclose your information to the insurer, our service providers and agents for these purposes. We will take it that you have consented to our necessary processing of your sensitive personal data. You have a right to ask for a copy of your information (for which we may charge a small fee) and to correct any inaccuracies.

Express Insurance and our carefully selected business partners may contact you by mail, telephone, SMS, fax or e-mail to let you know about any goods, services or promotions, which may be of interest to you.

If, at any time, you do not wish your information to be used for these purposes, please write to: Express Insurance, Mailing Preference Dept, 22 Old Walsall Road, Hamstead, Birmingham, B42 1DT, or call us on 0845 330 3351.

Claims Handling Arrangements

If your vehicle is involved in an incident, or you wish to discuss or make a claim, please call 0845 070 0177.
Express Insurance Services LTD, or our partners will employ due care and skill if we act on your behalf in respect of a claim.

You should be aware that in the event of a claim, no premium refund will be issued by the insurer.

You further understand that Express Insurance LTD or our partners will, where appropriate, authorise solicitors to act on your behalf in connection with your claim, and will conduct the claim in a manner we see fit. You authorise appointed solicitors to receive compensation monies, endorse cheques made payable to you.

Express Insurance Services LTD is regulated by the Ministry of Justice in respect of regulated claims management activities. You can confirm this by checking the Claims Management Regulation register on their website, www.claimsregulation.gov.uk.

Uninsured Loss

You understand that the losses not covered under your policy are shown below. You have been offered Legal Assistance (£30) which would cover the legal costs of recovering (where applicable) your losses from the third party or his Insurer. The extent to which any legal action should be pursued will be left to the discretion of the Insurer.

Comprehensive cover:

• Does not contain any cover for vehicle hire pending repairs or other loss of use.
• Does not cover any excess payable on your policy

Third Party Cover:

• Does not cover any damage sustained by your vehicle

Renewal of your policy

For your convenience and protection we will automatically renew your insurance policies (unless you tell us otherwise), including any additional cover such as Legal Assistance, Breakdown, Replacement Vehicle, or Key Protection cover. We will write to you before the policy renewal date to remind you of this and to let you know what the policy terms and new payments will be.

Who can use this site?

Unless otherwise indicated, our products and services are only available to UK residents who access this web site from within the UK (excluding Northern Ireland). If you use this web site to apply for insurance, you confirm that you are over 17 years old and are not impersonating another person. We aim to offer very competitive insurance but not everybody will be eligible to take out some of our insurance products. We reserve the right to refuse to offer you a firm quote if you are not eligible for this insurance product.

Who owns the material on this site and how can it be used?

Express Insurance owns, or has a licence for, all copyrights for this web site and all trademarks and other materials used on it, unless otherwise indicated. All rights reserved. You may only print, copy, download or temporarily store extracts from our site for your personal information or when you use our services. You must not alter anything. Any other use is prohibited.

Privacy Policy

How will we use your personal data?

Express Insurance Services Limited has trading names including Express Insurance on this web site. We keep your personal details and the details of any other individuals you may disclose for insurance purposes (which may include sensitive data as defined under the Data Protection Act 1998), given to us during your relationship with us and other companies, in an Express Insurance database.

Express Insurance may use your information together with other information for administration, marketing, customer service and for profiling your purchasing preferences. We will disclose your information to the insurer, our service providers and agents for these purposes. We will take it that you have consented to our necessary processing of your sensitive personal data. You have a right to ask for a copy of your information (for which we may charge a small fee) and to correct any inaccuracies.

Express Insurance and our carefully selected business partners may contact you by mail, telephone, SMS, fax or e-mail to let you know about any goods, services or promotions, which may be of interest to you.

If, at any time, you do not wish your information to be used for these purposes, please write to: Express Insurance, Mailing Preference Dept, 22 Old Walsall Road, Hamstead, Birmingham, B42 1DT, or call us on 0845 330 3351.
Your financial affairs and those of any joint applicant may be treated as affecting each other.

We may check what you have told us and share information with fraud prevention agencies. It is important that you give us accurate information as if you provide false or inaccurate data and we suspect fraud, we will record this at the fraud prevention agencies.

We and other organisations may use credit or insurance reference agency and fraud prevention agency records, about you and people financially linked to you, as well as others within your household, to help make decisions about you and them for:
Motor, household, credit, travel, motorcycle, and other insurance proposals or validating claims (including, but not limited, to the Claims and Underwriting Exchange register run by Insurance Database Services Limited), and money laundering.

Upon request, we will tell you which credit reference and fraud prevention agencies we have used so you can get a copy of your details from them.

You confirm that you have obtained consent for this agreement from any additional drivers who are not present, and you will share with them the details of what you have agreed to on their behalf.

Will your information be secure?

We have procedures and firewalls in place to safeguard your personal data from unauthorised access and improper use. So that Express Insurance or your insurer can administer or otherwise carry out our (or their) obligations in relation to any insurance policy that you may buy through this web site, we need to collect and process personal information about you - including your name, home and email addresses and telephone number. Insofar as is necessary in order to provide you with a quotation or any insurance that you may want to purchase, that information may include details about previous unspent convictions (if any). We will ask you for this information on our web site. We also need to disclose such information to the providers of the insurance policies available through this web site so that they can decide whether to offer you insurance or not, and if so on what terms.

Apart from this, we will not disclose any information, which could identify you personally without your permission unless we are legally entitled or required to do so (for example, if required to do so by Court order or for the purposes of prevention of fraud or other crime). You will be treated as having given your permission for the processing of personal information relating to you (including the disclosures) referred to in this privacy policy.

We may store some information (commonly known as a "cookie") on your computer when you look at our site. This information facilitates your use of our web site and ensures that you do not need to re-enter your details every time you visit it. We may use information we have collected about you for improving customer service and to respond to your queries.

Our web site may write a small data file to store some information on your own hard disk (a "cookie"). This helps us to identify you. You can choose to accept or delete cookies. Deleting them may mean our site does not work properly when accessed from your computer.

Legal liability

The following clauses exclude or limit our legal liability for this site. You should read them carefully. They all apply only as far as the law permits and, in particular, we do not exclude or restrict our duties and liabilities to you under the Financial Services Act 1986 or the rules and regulations for the conduct of business under the Act. This site contains a large amount of complex information. We have tried to make it as clear, easy to use and accurate as possible. However, we disclaim all expressed or implied warranties that this site is accurate, complete or up to date. We have no liability to you if it is not. The fact that a service is shown on this site does not necessarily mean it is suitable, or available to you. This also applies to other people's products or services linked to this site. Some of the services on our site may not be available or may have changed.

We are not in any way responsible for anything mentioned on or linked to this site that is marketed by others. We are not responsible if this site does not work properly or at all.