Disclosure
Important information
It
is really important that you read and understand the following
information. It is all of the legal clauses that we must give you the
opportunity to read.
Hoot Car Insurance
Hoot Car Insurance is part of the Legal Network Consortium Ltd. registered in England No. 03826387 registered office 10 Donnington Park, Birdham Road, Chichester, West Sussex, PO20 7DU.
The Legal Network Consortium is authorised and regulated by the Financial Services Authority, FSA Registration No. 309481. Hoot Car Insurance acts as an insurance intermediary in close association with Be Wiser Insurance.
Be Wiser Insurance
Be Wiser Insurance Services Ltd Limited is registered in
England No. 06097813. Registered Office, Rowans, Houghton, Stockbridge, Hants, SO20 6LT. Please see the 'Contact Us' page
for more information. Be Wiser Insurance acts as an insurance
intermediary in accordance with the ABI code of conduct.
Buying insurance
Our
products and services are only available to UK residents who access
this website from within the UK. Using this website to apply for
insurance, means that you confirm that you are over 18 years old (17
years old for car insurance) 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.
Our terms
Be Wiser
Insurance is authorised by each of the insurers on their panel to
arrange insurance on your behalf (subject to your meeting insurers'
requirements). The ABI code of conduct specifies that we must advise
you of the basis on which we transact business. We make a charge of up
to £20 for arranging an insurance policy and this is included in the
premium quoted to you. We will be pleased to advise you of our
commission earnings, upon request. We would point out that, in the
event of you cancelling your annual policy, certain insurance companies
will apply short period rates which can be the number of months on
cover plus an additional three months premium. Our ten-month instalment
scheme includes a charge of 12% plus a £20 arrangement fee (which is
included in any monthly terms quoted to you). Instalments will be
collected until the full premium is paid. In the event of cancellation
or adjustment that results in a return premium, then this will be used
to reduce any outstanding amount on credit. In the event of
cancellation you may have further instalments due to settle your credit
account, which will be collected under the continuous credit agreement
that you will have entered into. In the unfortunate circumstance of you
having to make a claim or being involved in an incident that may result
in a claim being made against you, it is your duty to advise us, or
your insurance company, without delay, and forward any correspondence
received immediately. Failure to comply with this may result in your
insurer's position being prejudiced and they may look to you for
recompense. In the unlikely event of you being dissatisfied with your
insurance policy or our service then please contact us in the first
instance. If we are unable to resolve your query to your satisfaction
then a more formal complaints procedure will be found in your policy
documentation.
The law
This site
and these conditions are governed by English law. Any disputes arising
from this site shall be resolved by the English courts.
Using the site
We
own, or have a licence for, most copyrights for this website and
trademarks and other materials used on it. 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.
Your personal data
Be Wiser
Insurance recognize the requirement to treat the information that we
collect about you with care. We are registered under the Data
Protection Act 1998. Any information you provide may be held by us and
the panel of insurers in connection with the cover for which you are
applying. It may be used by us or the panel of insurers' relevant staff
in making a decision concerning your insurance application and for the
purpose of servicing any cover that may be arranged.
The panel
of insurers may exchange information with other insurers through
various databases to help them check information provided by you and
also to prevent fraudulent claims. We would also advise you that all
insurers supply details of motor insurance policies to a database to
which the police and other insurers have access. This helps detect
people who break the law by not taking out insurance and insurers to
pursue claims following accidents. In the event of a claim, the
information you supply and the claim form, together with other
information relating to the claim, may be put on the Registers. It is
an offence under the Road Traffic Act to make any false statement or
withhold any material information for the purpose of obtaining a
certificate of insurance.
We may use, analyse and assess
information held about you to give you information about our other
products and services. To help improve our services and in the
interests of security we may monitor and/or record your telephone calls
with us. We will not collect personal information about you unless you
have chosen to give it us. Please do not give us information if you do
not want it collected. We may use information we have collected about
you for improving customer service and to respond to your queries.
If
you proceed to apply for cover by selecting a quotation offered to you,
and provide credit/debit card payment details for verification by us,
then you should be aware that we have taken steps to protect your
confidential payment information from disclosure to third parties.
However,
please note that despite our best endeavours transactions over the
internet may be subject to interruption, transmission blackout, delayed
transmission due to internet traffic or incorrect data transmission due
to the nature of the internet and matters outside our control.
Our legal liability
The
following wording excludes or limits our legal liability for this site.
You should read them carefully. They all apply only as far as the law
permits. Our site contains a large amount of information. We have tried
to make it as simple to use and as accurate as possible. However, we
disclaim all express 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 for you. It is your responsibility to check this out. 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 someone else is marketing.
We are not responsible if this site does not work properly or at all.
Our insurance underwriters
Our insurance products are underwritten by a number of insurers.
However,
if you want further information or full details of our current panel,
please phone 0800 954 97 55 during normal office hours and we will be
happy to help you.
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