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InsuranceNow takes the security of your personal data seriously. When submitting your information to the site, your data will be protected by a Secure Socket Layer between your computer and our servers, resulting in all your information being encrypted whilst it is sent to and from our servers. When you are connected to our secure server a locked padlock symbol will appear in your browser window. The address in the address bar will also display "https" rather than "http".
Any credit card information you supply via our online purchase process is only held on our systems for the duration of completing your purchase and is encrypted to ensure only those authorised to access it can do so. The Consumer Credit Act (1974) also applies to transactions over the internet. The Act limits your maximum liability on your credit card to £50, in the event of its fraudulent use. All liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use.
You can access our web site home page and browse our insurance section home pages without disclosing your personal information. InsuranceNow use sessional cookies in the provision of services. Certain third party providers may set cookies with your browser in the following circumstances:
We respect your privacy. Information that you have supplied or will supply while using our services is collected in accordance with the Data Protection Act 1998. Any information supplied during the quotation process is stored and held on our servers with security systems in place to prevent unauthorised access. You can recall your information by using "your profile" and entering your chosen password. Do not disclose your password to anybody as they would then be able to recall your information.
The information that you supply to InsuranceNow will be used by us, our insurance associates and technology partners to provide you with quotations, products and services. You agree that we may hold this information, which may include sensitive data as defined under the Data Protection Act 1998. Your information may be used for statistical and research purposes such as site traffic reports or to enhance or develop future products and services. InsuranceNow may also use your information to inform you by post or email of other services, products or offers. You may opt-out from receiving this information during the quotation request process.
If you are applying in joint names or if you are insuring additional people (e.g. additional drivers or travellers) you confirm that you are acting with the knowledge and consent of such people and that you will inform them of this document.
This site gives users the ability to update personal information previously provided (your details), by logging on to the site using "your profile" and amending the details displayed. If you wish to know what information we hold about you, write, in the first instance, to Customer Services via letter or email customer_services@insurancenow.co.uk. This may be subject to a fee of £10.
Your details will be passed to the Insurer from whom you purchase cover and will be added, if relevant, to the Motor Insurance Database, run by the Motor Insurers' Information Centre (MIIC). Insurers also pass data to approved organisations for underwriting and fraud prevention purposes. The Insurer may also use your information to update their own records.
We will not give anyone else your information, unless you ask us to or give us permission or if we have to by law.
Communications may be monitored or recorded to ensure a consistent and high level of service.
The information that you have supplied, or will supply, in connection with quotations obtained and policies effected through this website, forms the basis of your application for insurance. You must check and agree that this information is correct. In the event of a claim, or upon request, you must be able to substantiate all of the details that you have provided. In particular, you may be asked for sight of your Driving Licence, proof of immobiliser fitment if applicable, and proof of any No Claims Discount entitlement.
The information must be correct to the best of your knowledge and belief, and you are reminded of your obligation to disclose all material facts. Material facts are those which are likely to influence an Insurer in his acceptance, or otherwise, of your risk. If you are in any doubt as to whether or not a fact is material you should disclose it. Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). When we deal with your request for insurance, we may search these registers.
InsuranceNow is only intended for use by residents or businesses of the United Kingdom.
Unless agreed specifically to the contrary all contracts are subject to the Law of England and Wales.
Quotations issued online are guaranteed, based on the information provided, for one hour from when they are issued, after which they will automatically expire. Quotations issued via email are guaranteed, based on the information provided, for 30 days from the date of the quotation, except for caravan insurance quotes which are valid for 14 days. We reserve the right to withdraw quotations before they are taken up and to apply any changes notified to us by the underwriters after the quotation was given.
You can expect to receive policy documentation and insurance certificates for purchased insurance policies within 15-30 days via post. No delivery charges apply.
Products and services offered via this web site are not necessarily available through other channels of distribution (e.g. telephone) and vice versa.
The information contained within this web site is as clear and as accurate as possible. However, we disclaim warranties that this site is accurate, complete or up to date. The material contained within this web site is subject to change without notice.
This web site contains links to third party service providers and we may from time to time provide links from this website (e.g. advertisements) to other websites which may be of interest to you. We do not accept responsibility for the content or availability of those linked web sites.
InsuranceNow is an independent intermediary for general and commercial insurance as defined by the General Insurance Standards Council. If on any occasion the level of service falls below the standard you expect, you should contact Customer Services at InsuranceNow. We endeavour to respond to any complaints within 5 working days.
If you are not satisfied that your complaint has been handled satisfactorily, you should write to the Chief Executive of your insurers, at the address shown on your schedule. Ultimately, having exhausted both the above routes you have the right to ask the Insurance Ombudsman Bureau or the Personal Insurance Arbitration Service to review your case. This does not affect your statutory rights as a consumer.
This entire web site and content is the copyright of InsuranceNow Services Limited and our technology partners. © 1999-2010 InsuranceNow Services Limited. ALL RIGHTS RESERVED.
Permission is granted to electronically copy and to print in hard copy portions of this Web site for your personal information. You must not alter anything. Any other use of materials on this Web site, including reproduction for purposes other than those noted above, modification, distribution or republication, without the prior written permission of InsuranceNow is STRICTLY PROHIBITED.
InsuranceNow is owned by InsuranceNow Services Limited, 43 Fordwich Rise, Hertford, SG14 2BW. Registered in England, number 4156862. InsuranceNow is authorised and regulated by the Financial Services Authority (FSA).
