A Green Card is proof that you have the minimum legal requirement for Third Party liability insurance. We want to hear about this so we have an opportunity to put things right for you. For more information on your how data will be used please click here. First Alternative is part of esure Group. If your policy was renewed automatically and you want to cancel it because you've taken alternative insurance elsewhere, you'll be eligible for a full refund and not charged any fees as long as the alternative insurance started from your renewal date and you can provide evidence to that effect. The cancellation fees are detailed in your Agreement with esure Services Limited. If you need to complain we are committed to having an accessible complaints process where we will always try to resolve your complaint speedily and at the earliest possible stage. All states require you can show proof of financial responsibility should you get in an accident. The following fees may apply to your policy. Yes, as well as comprehensive cover we also offer Third Party, Fire and Theft cover and Third Party only cover. Buying a four wheeler insurance policy is mandatory in India for all cars as per the Motor Vehicle Act 1988. Don’t let your insurance auto-renew again, here are our tips for renewal time. Exchange Tower We usually respond to queries within 3 working days. They are an independent body that arbitrates on complaints about general insurance products and other financial services. Please see GOV.UK for up to date information. Once you have entered your payment details, the "payment confirmation" page will be displayed. We are aware that there may be circumstances where you will not have the registration number – it may be that you are thinking of changing cars and would like an indication of premium. In return for any extra premium we may require and an administration fee, we will extend the level of cover provided by your policy under Sections 1 to 7, to named countries in Europe and give you an international motor insurance certificate (Green Card). Please see question 25 for details on Continuous Payment Authority. your Agreement with esure Services Limited, Your Agreement with esure Services Limited, If any driver is not aged between 21 and 90. First Alternative providers car insurance and multicar insurance. ... (Car Insurance) - Posted 1 month ago Anonymous “ Needed to cancel my policy on a 18 year old car as it finally gave up. This document is also available here. We'll use your email address to keep you up to date with important information about your policy, as well as providing you with special offers, promotions and articles. First Alternative is part of the esure Group, consisting of esure and Sheila's Wheels. Yes. How long can I travel under one Green Card? If you cancel your direct debit this does not mean that you have cancelled your policy.Outside the 14 day cooling off period We can only consider offering these discounts in the following circumstances: Please phone our Call Centre on 0345 607 0417 to find out more. It is now June 2006, and I am still trying to get my money back from First Alternative car insurance. If you’ve had a car insurance policy cancelled, refused, declined or voided by an insurer, getting new insurance can be difficult. Est., Redditch, B98 9PA. Please note, that if you have instructed us not to automatically renew using a credit or debit card, you will need to contact us prior to the renewal date to renew your policy. If there is a no deal Brexit and your policy is going to renew whilst you're travelling, you'll need to request 2 Green Cards. The cancellation date is key. We have the right to cancel your policy at any time by giving you seven days’ notice in writing where there is a valid reason for doing so. First Alternative Car Insurance proves a FAQ section and a complete list of car insurance assumption to aid the customer in deciding if they are eligible for car insurance from First Alternative Car Insurance. One contract is with esure Services Limited for arranging and administering the policy. To get a car insurance quote with Dial Direct … First Insurance Services, a trading name of Fresh Insurance Services Group Ltd., Burnt Meadow Road, Moons Moat Ind. Does your policy cover me to drive other cars? It is a division of the Allstate insurance brand and holds an A+ rating with A.M.Best, a third-party insurance industry review company. You can request that the personal data we hold on you is deleted by sending an email to this address [email protected] Please include your name, date of birth, email address, policy or quote number (if you have it), postcode and house number or name. If you find a better deal with another insurer or are selling your car, you can cancel your car insurance policy to take advantage of insurance savings. Your insurer will provide you with a notice of renewal before you're signed up for another year. For further information on the Continuous Insurance Enforcement – www.mib.org.uk. If you are a new First Alternative customer and bring two or more cars to us at the same time, then we will apply a Multicar discount. Enter your reg online and get a personalised quote. Enter your reg online and get a personalised quote. Your renewal documents will tell you whether we are able to renew your policy on this basis. How do I object to receiving marketing material? Alternate Car Insurance Refund Calculation: A policyholder who paid £600 upfront for insurance decides to sell their car 4 months into the policy term and cancels their insurance. If any driver has had a driving licence suspended in the last 5 years. The insurance company calculates the refund using a sliding scale for the 8 months of unused premium (e.g., policyholders get a 50% refund at 4 months so 50% x £600 = £300) less any cancellation fees. If we cancel your policy because we have been unable to collect the premium by direct debit instalments, we will charge the cancellation fee to take account of our costs in providing your policy and for recovering any premium owed to us for the period of cover. How do I get my Certificate of Motor Insurance? You may contact us to cancel your credit agreement without penalty within the first 14 days, but the insurance premium will become immediately payable in full. Please note that because of the insecure nature of emails we cannot accept any responsibility for data lost or intercepted in transit. Your cancellation rights are provided in your Policy Booklet and the cancellation fee is detailed in your Agreement with esure Services Limited. Our friendly team will compare the top UK car insurance companies to get you the very best deal, ensuring you receive quality insurance with a reliable, trustworthy company you feel safe with. First Alternative Cancelling your car insurance – what you need to know. If there is a gap since your previous motor insurance has expired, we will require a short covering letter giving the reasons for the break in cover.We are unable to accept the following as proof of No Claim Discount: If you already have a policy with us and are buying a second car on which you have not earned any No Claim Discount then please phone our Call Centre on 0345 607 0380 as we may be able to offer you a Multicar discount. If you are paying by instalments, you must still pay us the balance of the full annual premium. You can order one online. Your Agreement with esure Services Limited, If you or we cancel your policy within the 14 day cooling off period of the first period of your cover, If you or we cancel your policy during your first period of cover, but after the 14 day cooling off period, If you or we cancel your policy in subsequent periods of cover, For changes relating to your policy or payment details or additional administration of your policy, For a credit referral or unpaid / rejected Direct Debit. The vehicle can also be clamped, seized and disposed of and if the fixed penalty is not paid the vehicle keeper could be taken to court and a maximum penalty up to £1,000 could be levied. E14 9SR But you are likely to incur costs, which increase if you cancel your cover outside of the initial 14-day cooling-off period when you first buy. How much does it cost to call your 0800 numbers? Driving without car insurance is illegal in the UK, All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 1988. We only accept proof from UK insurers, relating to a No Claim Discount earned within the UK on a private car insurance policy within the last two years. We will also tell you what you need to do to renew your policy. For more information on how we use and protect your data or to view your rights under GDPR please click here. There may be some circumstances where we will be unable to provide an online quotation for car insurance: There may be other situations where we may be unable to provide a quote. How can I request the data you hold on me? Can I get a quote if I do not have a registration number? If you want any other people to use your car for business purposes please call us on 0345 607 0380. If you wish to change your method of payment or payment details, please contact us prior to your renewal date to arrange this. We keep our customers happy, by providing stellar customer service. Whether you have to pay any charges; however, depends on when you cancel it. Your Green Card covers you to travel within Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Spain, Sweden, Switzerland (incorporating Liechtenstein), Slovakia and Slovenia. Get a quote; Retrieve a quote A gap of even one day can be costly. When you take out a car insurance policy, you’ll start a “cooling off” period. It makes financial sense to get into the habit of reviewing your car insurance policy on a regular basis. If any driver has an occupation in the following categories: taxi or minicab driver, proprietor or controller; performer or presenter in films, TV, radio, music or other performing arts; professional sportsperson, manager or coach; non UK armed forces or diplomatic staff; or connected with gaming, nightclubs, circuses, fairgrounds, amusements, street trading, scrap waste or second hand dealing, fast food delivery. Under the General Data Protection Regulation enforced in the UK on 25th May 2018 you have key data privacy rights. Your car insurance is up for renewal. If you cancel midterm, you could receive a refund depending on if you have any unused premium. **Discounts applied consecutively and subject to a minimum premium of €320 for car insurance, €230 for home insurance and €110 for Contents Only. Contact your insurance provider as soon as you can – they may be able to arrange an alternative payment date for when you can afford it Consider paying the instalment on a credit card or with an overdraft facility – but only if you know you’ll be able to … How far in advance do I need to tell you that I'll be travelling? Our Call Centre may be able to offer a quote - please see contact details below. You may be able to add it for an additional annual premium at the start of your period of cover, if you have four or more years No Claim Discount. No Claim Discount protection for life can only be added to your policy at the start of the period of cover, and is a benefit that relates to your No Claim Discount only. email: [email protected]. The cancellation fees are detailed in your Agreement with esure Services Limited. To view our full privacy notice, which will detail how we use your personal data, please click here. We will also offer up to 10% off both the new and existing policies. To cancel your car insurance, contact your insurer and tell them you want your cover to end. This extension does not cover you when driving commercial vehicles. If we do not receive this within 21 days from the start date of the policy, we will issue a cancellation letter giving you 7 days notice. Things You Should Know About Car Insurance Policy Cancellation. Every effort will be made to resolve your complaint for you within two working days. At present it is an offence to use a vehicle without insurance. Will I get a refund if I cancel my car insurance during the cooling-off period? Do I need an International Driving Permit? What must I do if my circumstances change during the period of insurance? CIE is a vehicle record-based compliance and enforcement regime, introduced to reduce the number of uninsured vehicles. You can easily cancel your car insurance policy at any time; all you need to do is submit your replacement papers to inform your car insurance company. The other party accepted liability in March 2006. Where we have been unable to collect a premium payment. For further details please visit our Multicar page. You can get an International Driving Permit from your local post office. This includes, but is not restricted to, changes to the engine, engine management or exhaust system, changes to the wheels or suspension system, changes to the bodywork, such as spoilers or body kits, paintwork or changes to the windows, such as tinting. If you’re getting coverage elsewhere, make sure your new policy is in place and active before canceling your old policy. If you want to insure your car with us today, get a quote now. Please refer to your Policy Schedule for the correct fee if your policy was taken out before the dates shown in the table above. Do you offer non-comprehensive insurance? Co-op Car Insurance. Or contact us on 0345 609 2571. Car insurance is the easiest way to fulfill this requirement. This extension does not apply to Sections 8 to 14. Almost all car insurance policies have an auto-renewal clause. Or, if you prefer, for an additional charge, the cost of your car policy can be spread over the year by paying instalments by direct debit. They are based in Glasgow, UK. Cancelling during the cooling-off period. 4515272. In many cases, you are eligible for a refund when you cancel your car insurance. Find out how we rate Sheilas' Wheels' car insurance policy against 31 other providers. This letter will inform the registered keeper of their options to comply with CIE. What happens if I travel abroad pre-Brexit without a Green Card but need one to get home? First Alternative Care operates subject to state regulation and may not be available in certain states in the future if laws change. If you do not tell us and your policy is renewed, we will continue to make deductions from your bank account for the new premium if you pay by direct debit or if you pay by a single annual credit/debit card payment, we may deduct the full new annual premium from your credit/debit card. If you, or one of your drivers is aged over 90, we are pleased to be able to refer you to another company within our Group, esure broker, who can provide quotes up to the age of 99. If you'd like to upgrade your cover to the same level you hold in the UK, a charge may apply, A standard Green Card can cover up to 90 days travel. Fee. If you stop paying … To enable us to cancel your policy, you must phone us to inform us in the first instance and return your Certificate of Motor Insurance to us at The Equinox, 19 Cadogan Street, Glasgow, G2 6QQ. First Alternative Car Insurance is a Halifax and Bank of Scotland company. This extension is applicable to the policyholder only. In this case we will contact you in writing requesting payment by a specific date. You are not covered to use your car for commercial travelling, any purpose in connection with the motor trade, carriage of goods or passengers for hire or reward, pacemaking, motor sports, speed testing, rallies, trials or competitions at off road events such as 4x4 events and track days. 306202 You have 14 days from the date you receive your Policy Booklet, Schedule Certificate of Insurance and your Agreement with esure Services Limited if you are a new customer or from your renewal date if you are an existing customer to tell us that you want to cancel the policy and to return your Certificate of Motor Insurance to us. To enable us to cancel your policy, you must phone us to inform us in the first instance and return your Certificate of Motor Insurance to us at The Equinox, 19 Cadogan Street, Glasgow, G2 6QQ. Valid reasons may include but are not limited to: If we do cancel your policy, we will refund the part of your premium you have not yet used less a cancellation fee to take into account our costs in providing your policy. How can I request my personal data is deleted? The Financial Ombudsman Service Their website is. If there is no deal, Green Cards will be required for UK residents to driver their vehicles within Europe from the 30th March 2019. We will allow up to 90 days cover per policy year. When you sign in to My Account, just go to 'Make Changes' and select 'Add a Green Card.' If you'd like to upgrade your cover to the same level you hold in the UK, call us on 0345 607 0417. Your insurance provider will then recalculate your price and offer you the option to either insure your new vehicle or cancel your policy. If you’re a named driver on someone else’s policy and you pass your test, their premiums will also go up again when you have your full licence. When your policy is cancelled, all cover provided by the optional extras you chose with your main policy cover will automatically be cancelled at the same time.Cancelling optional extras This offer is applicable to An Post Insurance policies underwritten by Aviva Insurance Ireland DAC. To view our full privacy notice, which will detail how we use your personal data, please click here. As long as no incidents have arisen which could result in a claim under these sections, we will refund the premium you have paid. The current scale of fees that apply to your policy are as follows: Full details and the fees applicable to your policy, as well as your right to cancel within 14 days of receiving your policy documents at no charge can be found in your Policy Schedule for policies taken out or renewed before 5th November 2016. What should I do if my insurance policy is no longer suitable for my needs? Bring two or more cars to First Alternative (for either you or your partner or anyone over 25 at the same address), and you will all benefit from an additional Partner Multicar discount on each policy. To transfer your insurance from one car to another you will need to contact your insurance provider in the first instance to advise them as to your new vehicle details. We will charge an administration fee for this. If you do not exercise your right to cancel during the 14 day period, your policy will continue as normal. While Esurance is a great option for some people, you may find that it is time to cancel your policy. If you or we cancel your policy within the 14 day cooling off period of the … If it’s about your claim, call 0345 607 0417 Sign in to 'My Account', go to 'Make Changes' and select 'Add a Green Card.'. Keep Paying Your Car Insurance Premiums Until You’re Officially Ready to Cancel. Continuous Payment Authority allows you to automatically renew your policy using the latest debit or credit card details provided by you, unless you have provided us with alternative instructions. Yes. You have 14 days from the date you receive your documents if you are a new customer, or from your renewal date if you are an existing customer, to tell us that you want to cancel any of the optional extras you included with your main policy cover. Once the cooling off period ends, you’ll need to pay cancellation charges. £50 Co-op gift card when you buy a new Co-op Car Insurance policy For new customers who buy Co-op Car Insurance direct. We will cancel your policy from the date we receive your Certificate of Motor Insurance. We cannot return your evidence of No Claim Discount once it has been used for your First Alternative policy. Our privacy notice is a document that details how we collect, use and protect your data. Can you explain the full claims process to me? Full details of this extension are detailed n the Policy Booklet. We also bring you excellent customer service and a large choice of optional extras. It is now June 2006, and I am still trying to get my money back from First Alternative car insurance. If any driver has any non-motoring criminal convictions not deemed as spent under the Rehabilitation of Offenders Act 1974. They also dictate how much notice insurers must give before cutting off coverage and how consumers can go about appealing the decisions. The other party accepted liability in March 2006. Details of our fees can be found here To reiterate previous reviews, the First Alternative car insurance customer service and claims departments are absolutely appalling. However, if your policy has been active for longer than that, you’re likely to have to pay a cancellation fee and the … Can I renew my policy if I haven't yet received my renewal invitation? This document will explain the purpose and conditions of processing your data and how we use your data for fraud prevention. You can order one online. For policies taken out or renewed after this date refer to Your Agreement with esure Services Limited for details of fees chargeable by esure Services Limited in relation to your Policy. We will cancel your policy from the date we receive your Certificate of Motor Insurance. For example, if you have been a named driver on another policy for at least one year and are able to provide evidence of your driving record as a named driver elsewhere, we may be able to offer you a discount. Our friendly website makes it easy for you to get cheap car insurance quotes online.
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