We are able to offer insurance through a carefully selected panel of insurers which enables us to provide you with competitively priced quality products and services.

Yes. If you are thinking of changing cars and want to find out how much it would cost to insure. However if you decide that you do want to buy a policy, then you will need to provide us with the registration number.

A policy excess is a contributory amount you pay when making a claim, the remaining claim amount is covered by the insurer.

Whether you purchase your policy over the phone or online, immediate cover is available.

A no claims bonus/discount represents a reduction in the cost of insurance cover dependant on the accumulated number of years you have held a car insurance policy without making a claim or having a claim made against you.

You will need to provide evidence of your no claim discount, which must have been earned on a private car insurance policy. This must be an original of the most recent insurance document from a UK insurer that shows the number of years' no claim discount you've earned, the expiry date of your last insurance policy and any claims you have made.  We ONLY accept original documents from UK insurers relating to a no claim discount which has been earned on a private car insurance policy. We don't accept photocopies. The expiry date of your last insurance must be no more than 2 years ago.

A no claims discount can only be used on one policy at a time.

No, you must earn another set of no claims discount for a second vehicle, however we do have policies that allow an introductory no claims discount, when you insure a second car.

The insurer will give the following people the same insurance cover given to you except for the cover known for the purposes of this Policy as The Driving Other Cars Extension.

• Any person allowed by the Certificate of Motor Insurance to drive your vehicle, as long as they have a valid driving licence and have not been disqualified from driving or obtaining a licence and have not been excluded by an endorsement, exception or condition.
• Any person you give permission to use (but not drive) your vehicle, but only whilst using it for social domestic and pleasure purposes.
• Any person who is travelling in, or getting into or out of your vehicle.
• Your employer or business partner whilst your vehicle is being used for business purposes, unless your vehicle is owned by or hired, rented or leased to them, and provided that the Certificate of Motor Insurance allows such business use.
• The legal personal representative of anyone insured under this section if that person dies.We will provide cover for anyone named on the Certificate of Motor Insurance to drive your car, as long they are driving the car with your permission.

Your Policy may also cover you for liability to others whilst driving in the UK, with the owner’s permission, any other vehicle that the Certificate of Motor Insurance allows you to drive. For the purposes of your Policy this cover is known as The Driving Other Cars Extension. This cover only applies if you still own your vehicle (or if you are still its main driver and you told us that someone else owns your vehicle when you insured it with the insurer). This cover does not apply if the other vehicle you are driving is owned by or hired, rented or leased to you, your business partner or your employer or is being kept or used in connection with your or your employer’s business.

This cover only applies when:

• The vehicle is being driven in the UK.
• You are not covered to drive the vehicle by any other policy.
• The vehicle is being driven by you.
• The vehicle is being driven with the owner’s permission.
• Your vehicle is in your possession and has not been damaged beyond economical repair or has not been stolen and not recovered.
• This cover is shown on the Certificate of Motor Insurance.
• This Policy is in the name of an individual.

In compliance with European Union (E.U.) directives this insurance provides the minimum cover you need by law to enable you to drive your vehicle in:

• Any country that is a member of the E.U.
• Any country that the Commission of the European Communities is satisfied has made arrangements to meet the requirements relating to civil liabilities arising from the use of a motor vehicle.

The countries where this applies are:

Andorra, Austria, Belgium, Croatia, Cyprus (Greek part only), Denmark, Estonia, Finland, France (including Monaco and Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal (including Madeira and Azores), Slovakia, Slovenia, Spain (including the Canary Islands, Balearics, Ceuta and Mellila), Sweden, Switzerland, the Czech Republic, the Netherlands and the Republic of Ireland.

In addition to this minimum cover, this Policy provides the cover shown on the schedule in any country listed above for up to 90 days in any one period of insurance
provided that:

• Your permanent home is in the UK.
• Your visits to countries outside of the UK are of a temporary nature.
• Your vehicle is taxed and registered in the UK.

Cover includes

• Transit between countries listed above by air, rail or by recognised sea routes which take less than 65 hours.
• Reimbursement of any customs duty you have to pay after temporarily importing your vehicle into any of the countries listed above, subject to your liability arising as a direct result of a claim covered under this Policy.
• General Average contributions, Salvage charges and Sue and Labour charges whilst your vehicle is being transported by sea between any countries listed above, provided that your vehicle is covered for loss or damage under this Policy and subject to a maximum payment of the market value of your vehicle at the time of the loss or damage, or the last value advised to us, whichever is less.

If You Take Your Vehicle Abroad

All countries listed above, with the exception of Andorra and Gibraltar, have agreed that an international motor insurance certificate (Green Card) is no longer necessary for cross border travel. Your Policy, the schedule and the Certificate of Motor Insurance should therefore provide sufficient evidence that you are complying with the laws relating to compulsory motor insurance in any of these countries that you visit. If you require cover in Andorra or Gibraltar please contact us to request a Green Card, giving us at least 14 days notice. An additional charge and/or additional terms may be made for this. There is no cover for countries outside those listed above although if you give us at least 14 days notice the insurer may extend your Policy to include countries to be visited by you if they are acceptable to the insurer. An additional charge and/or additional terms may be made for this.

Your choose the level of cover that you require. These are:

• Social, Domestic and Pleasure
• Social, Domestic and Pleasure including commuting to and from a permanent place of work
• Personal Business Use for you
• Business Use for you and other drivers of your vehicle, in connection with your business / your employer's business

If you leave your keys in your car, even if it is only to pay for petrol or post a letter and your car is stolen, your car will not be covered.

You must tell us immediately about any changes that may affect your Policy which have occurred since your Policy started or was last renewed. If you are not sure whether any fact is relevant then you must contact our Customer Services Department for assistance. If you fail to inform us about relevant changes then your Policy may not cover you fully or at all. If you inform us of any changes which make any alteration to this Policy we will notify you of any changes to terms, conditions or of any additional or return premium due and may apply an administration fee. You must pay any additional premium for cover to continue.

Here are some examples of changes you should tell us about:

• Change of your vehicle or any additional vehicle.
• Change of address (including details of where your vehicle is parked overnight).
• Change of occupation by you or any other driver. This includes getting part time work or having no work.
• Change in the purpose for which your vehicle is used.
• Any mechanical, structural or cosmetic changes you or anyone else makes to your vehicle.
• Any additional driver you want to be covered.
• Details of any offences that any person allowed to drive has been charged with or convicted of (including fixed penalty offences).
• Details of any person who is allowed to drive your vehicle and who now suffers from any illness or physical condition that must be notified to the DVLA.
• Details of any accidents, claims, losses or thefts involving any person allowed to drive, whether they happen in your vehicle or any other vehicle.
• Change in the main user of your vehicle.
• Change in the registered keeper or legal owner of your vehicle.

We offer a choice of payment methods.  You can choose to pay your premium in a lump sum by debit or credit card or for a small additional charge we can spread the payments over 12 months by direct debit.  Any online payment is via a secure server.

You may cancel this Policy by giving us written notice and returning the Certificate of Motor Insurance. Any refund due will be based on our short-period rates, less an administration fee, and will be given at the discretion of Heath Lambert Insurance Services. If the amount due when you cancel your Policy is more than the amount you have paid, you must pay the difference. Any refund due from the insurer will be calculated from the date that we receive the Certificate of Motor Insurance. If you have made a claim during the period of insurance, you will need to pay the full annual premium.

Cancelling new policies:

You have the right to cancel your new Policy within fourteen days of the date you are deemed to receive your Policy document. Subject to no Claim being made upon the Policy, you will be required to pay for the time you have had on cover plus an administration fee.  Cover will cease from the day we receive your notice of cancellation. After this 14-day period, you can cancel the Policy at any time by contacting Heath Lambert Insurance Services, Phoenix Court, Jacobs Well Lane, Wakefield, West Yorkshire. WF1 3NT.

We take care to provide the highest standards of service. However, should you have cause to make a complaint, you can do this by contacting a senior member of our team on 0800 692 0800 or by writing to our Customer Relations Department at Phoenix Court, Jacobs Well Lane, Wakefield WF1 3NT.

• Your complaint will be acknowledged within 5 working days.
• We aim to resolve complaints within 20 working days.

Once an assessment and full investigation of your concerns has been made, we will respond with a decision.

Most complaints can be resolved quickly, but occasionally more detailed enquiries may be required. If this is likely we will contact you with an update and give you an expected date of response.

If you are dissatisfied with our response you can contact either: -

The Chief Executive of your Insurance Company at the registered office address shown on your schedule.
Or if your schedule shows “at Lloyd’s”, you should write to the following address:-

Complaints Department, One Lime Street, London EC3M 7HA

If you are still dissatisfied with the decision you may contact: -
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Their telephone number is 0845 080 1800.

The FOS will tell you whether they can consider your complaint. You may be entitled to compensation. The FOS will only consider your complaint once you have a final decision from us. However, please ensure that, in the first instance, you advise us of any issues you may have. Following the complaints procedure does not affect your right to take legal action.

FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)

If your insurance company is unable to meet its liabilities under the insurance, you may be entitled to compensation from the FSCS.

We will send you a renewal notice including the new premium, based on the current information we have, by post approximately 3-4 weeks before you policy expires and full details of how to renew with Gift.

If you do not wish to renew your policy you should inform us before your renewal date.  If you do not inform us and your policy is renewed automatically we will continue to make deductions from your bank account for the new premium and you may not be entitled to recover these.

Please call our customer service department to request this on 0800 692 0800. You may be asked to pay an administration fee.

Comprehensive insurance covers damage to your car as a result of accident, fire or theft as well as cover for windscreen damage – even when the damage is your fault. You are also covered for third party damages if you have an accident. Comprehensive cover also includes other items such as personal accident, injury, death of policyholder, medical expenses, personal effects and in-car entertainment equipment.

Third party fire and theft insurance covers damage to your car as a result of fire or theft and covers third party damages if you have an accident which is your fault.

Third party insurance covers third party damages if you have an accident which is your fault.

If we are unable to identify the make and model of your car just from the registration mark, leave the registration field blank, you will then be asked to search for your car’s make and model manually. Once you have done this, the system will display a list of vehicle models. You should select the model from this list. If you are unable to find the exact car details, please call us on 0800 692 0800.

Our system relies on a house name or number, and full postcode, which we check via the Royal Mail registered address listings. Our database is regularly updated and should therefore be able to recognise your address. We are aware that there are a small number of properties, which, for a variety of reasons, do not appear on our site. If you require an urgent quote, please contact us on 0800 692 0800.

In most cases you only have to enter your registration number on the first page and our system will find the exact vehicle details without having to go through the vehicle selection screens. Where our system cannot find the registration number, normally on very new cars that are only just registered, or you don't know the registration number (you may be looking to buy a new car) you are taken through selection screens that drill down through the manufacturer, model and year to a give a short list of vehicles that can then be selected from.

Modifications can improve your car's value, performance, handling or attractiveness. If you are unsure whether your vehicle modifications are acceptable or you have any questions, please call 0800 692 0800 to speak to one of our Customer Service Assistants.