Car Insurance Initial Disclosure

Important information about our car insurance policies

Updated 06/04/2013

About this document

Please note that this document does not contain the full terms and conditions of the contract of insurance, these can be found in your insurance company Policy Book here.

Who regulates us?

One Call Insurance is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302961. We are authorised to arrange general insurance. You can check this on the FCA’s register by visiting www.fca.org.uk or by contacting the FCA on 0845 606 1234.

Whose products do we offer?

We offer products from a range of insurers for general insurance products.

Which service will we provide you with?

You will not receive advice or a recommendation from us. We will ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

Credit scoring

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. We may also disclose details about you and your conduct of this agreement to that agency or agencies. 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. Where credit scoring calculations are used by us/the insurer, acceptance or rejection of your application will depend only on the results of the credit scoring process.

Cancellation

Within the first 14 days from receiving your policy documents or the policy start date you may cancel your policy under the cooling off period. This is provided that you cancel your policy and return all documentation within 14 days of receiving your policy documents or the policy start date, whichever is the latter. All insurers have a right to apply a “policy time on risk” charge. One Call Insurance will apply a charge in addition to any insurer charges to cover the cost of setting up your policy in accordance with our terms of business (please see above for charge.) After this period we will cancel your policy on a Short Rate basis, full details can be found in our main terms and conditions.

What to do if you have a complaint

If you wish to register a complaint, please contact us:
By phone on 01302 554015
In writing to the Complaints Handling Manager, One Call Insurance, First Point, Balby Carr Bank, Doncaster, South Yorkshire DN4 5JQ.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. This means you may be entitled to compensation from the scheme if we cannot meet our obligations. For further information about the FSCS you can visit their website www.fscs.org.uk.

Conflict of interest

One Call Insurance Services Limited may, from time to time, place business with, use the services of or refer you to other companies that are part of the One Call Group. Directors of One Call Insurance Services Limited may hold directorships in One Insurance Limited which is part of the One Call Group. One Call Insurance Services Limited may place some of your business with One Insurance Limited which offers general insurance products. We will inform you if this is the case.

What will you have to pay us for this service?

£60	New Business	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.
£5.99	Hard copy of documents	This fee applies if you request a hard copy of your documents or require duplicate documents of any kind sent to you via the post.
£25.00	Renewal arrangement	The renewal arrangement fee will be charged in addition to the insurer’s renewal premium.
£55.00	Mid-term changes made to policy	Any changes made to the policy from the inception date up to the end of month 11 will be subject to this charge.
£26.00	Alteration to payment details	We will charge this amount for any stopped or returned cheques or for altering the date you want the Direct Debit taken from your account.
£55.00	If we have found any misrepresented information and reduction of No Claims Bonus fee	This charge applies for non disclosure of materialmisrepresentation of information and reduction of Nno Cclaims Bonus. You have a right to challenge any misrepresentation identified by the Companydispute a non disclosure, which we will 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, the fee of £55 will be charged.
£35.00 £49.00	Cancellation fee applied (within cooling off period):- Renewals New business	We reserve the right to make a charge to cover the cost of setting up your policy where your cover is cancelled within the cooling off period - £35.00 for Renewals and £49.00 for new business policies.
£49.95	Non return of required documentation	Where we have to remind you to return documentation, this fee is added with the final reminder. If the required documentation is returned within 3 months of inception, this fee is refundable.
£10.00	Rejection of Direct Debit	If a Direct Debit payment is rejected, we reserve the right to charge this fee, in addition to any charges applied by Creation, to cover administration costs.
£25.00	Direct Debit default	We reserve the right to charge this fee where you have defaulted on a Direct Debit payment or we have to set up a new payment plan as a result of your Direct Debit default. New repayments will only be offered up to the 8th month of your policy term. Authorised refunds will be processed within a 21 day period.
Up to £55.00	Changes to misrepresented information	In order to amend any of the information that you may have misrepresented provided us with (whether inadvertently or deliberate), a charge of up to £55 will be made per individual amendment.
Variable DD rate	Direct Debit Instalment plans	Instalment plans attract a variable charge, which is included in the agreed payments. The variable rate is confirmed by Creation Finance.
Commission Disclosure	Commercial Policies	Commercial clients (Non Retail) can request the amount of commission we earn to be disclosed. This will be provided on request.
10% of your insurance premium	Direct Debit arrangement fee	If you pay your new business by Direct Debit, a credit arrangement fee of 10% of the insurance premium will apply.

Our fees are in addition to any charge made by the insurer.

SUMMARY OF COVER – One Call Insurance

Service	Features, Benefits, Exclusions & Limitations (for full details you must refer to our terms and conditions for full details of your policy and any exclusions). Where you have opted to increase the level of service you will find additional benefits/limitations in their full terms and conditions.
Bronze Legal Service	Covers you in the event of a non fault accident to recover the costs from the third party. You must refer to their terms and conditions for full details of your policy and any exclusions. Provides a hire car Vehicle recovered from the accident Repairs to your vehicle Recovers policy excess (if you have a comprehensive policy) Personal injury compensation Loss of earnings recovery Legal representation up to £50,000 (when using our solicitors)
Basic Breakdown Membership	Up to 2 call outs per year Roadside Assistance up to 1 hour £20.00 call out charge in addition to age of vehicle excess Age of Vehicle excess 0-up to 10 years £0.00 excess 10-15 years £30.00 excess 15+ years £60.00 excess Vehicle recovery to nearest destination (Within a 10 mile radius of breakdown) Home Start Wheel changes excluded Caravan towing excluded Within a 10 mile radius of your vehicles registered address; there is a £3 per mile charge thereafter.
No claims bonus	One Call now offers you an alternative to protected NCB. To help protect your renewal premium in the event of a fault claim occurring One Call’s No Claim Discount Guarantee will ensure that your renewal will be invited at 10% below the best protected rate on the market, if a claim occurs. If you find an alternative quote elsewhere, we will still offer you 10% less, however, will require a copy of your alternative quotation.

In addition to your insurance policy One Call Insurance has provided additional services for your benefit. These services are provided by One Call Insurance Services Limited and do not form part of a contract with your insurer.