Mr Z Bradley

10 Frances Brady Way Mr Bradley, thank you for insuring your

Hull
Mazda Cx-5 with Geoffrey Insurance.
HU9 3BW
You are insured until 17 October 2023.
Your policy number: 135193408-01
You will need this number if you contact us.

26 September 2022

Thank you for choosing Geoffrey Insurance, please take the time to read the enclosed information and if you have any
queries please do not hesitate to call us. You'll benefit from 24 hour emergency claims line, online Self Service
Centre and 90 days cover for driving in the European Union. You'll find all the benefits of your cover listed below.
It is important that the information you provide throughout the quote and duration of the policy is accurate. Failure to
disclose correct and complete information to the best of your knowledge and belief may result in increased premiums,
refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it
never existed.
This policy and other associated documentation is also available in large print, audio, coloured paper and braille. If
you require any of these formats please contact us.
In the meantime, here's what you need to do now...

Statement of Insurance Schedule of Insurance

Motor Policy Wording Important Information about Our Insurance
Intermediary Services
Additional Benefits Policy Wording for - No Claims Discount Protection
If any of the items above are missing or incorrect, please call 0808 196 1548.
Proof of your no claims discount
We do not need proof of your no claims discount. However you should keep a copy of your last renewal notice,
Schedule of Insurance or letter from your last insurer, as we may need to see it at a later date.

Emergency claims line - 24 hours a day, 7 days a 90 days European Union cover included
week
Up to £500 cover for loss/damage to audio equipment Courtesy car whilst an approved repairer fixes your
in your car car (subject to availability)
3 Year Guarantee on all approved claims repairs No claims discount protection

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
24 Hour Accident Helpline / 24 hours a day, 7 days a Windscreen replacement or 24 hours a day, 7 days a
week. You will need your
to make a claim policy number and the repairs week.
policyholder's name and
0808 196 1549 address. 0808 196 1547
Customer services & Mon to Fri 8am-9pm, For friends who would Mon to Fri 8am-9pm,
Sat 9am-5pm, Sat 9am-5pm,
upgrade your policy Sun 10am-4pm. like a quote Sun 10am-4pm.

0808 196 1548 0808 196 1526

Visit us online at /www.geoffreyinsurance.com
and register for your Self Service Centre
 .........................................................

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Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
If any details are incorrect please call our Customer Services team on 0808 196 1548.

The cost of your policy

Total cash price of your policy (All prices include Insurance Premium Tax £216.92
and VAT (where applicable) at the appropriate rate)
Your price has been calculated by 'Us', which includes the cost of your cover
from the underwriter.
('We/Us/Our' - BISL Limited. Authorised and regulated by the Financial Conduct Authority)

How the cost of your policy has been calculated

Your car insurance £204.71
NCD Protection £12.21
Total cash price of your policy (as shown above) £216.92
Total amount payable £216.92
Insurance Premium Tax and VAT have been included at the appropriate rate. These are the only taxes that are applicable on your
premium. Where applicable a VAT receipt is available on request.

For information on any fees or charges that may be included in this price, please refer to the Important Information About Our
Insurance Intermediary Services section of your documents.

Your Payments
Amount you've paid to date from the debit card shown below £216.92

Account details
Account number ****3453
Name of account Mr Z Bradley
Sort code 99-99-99
Continuous Payment Authority
To help ensure that your insurance cover continues uninterrupted, we will, where possible, take any future payments which become
due (such as at renewal or where amendments are made to the policy) by using the Continuous Payment Authority you have set up
with us. We will notify you prior to any payments being deducted and you can cancel the Continuous Payment Authority at any time
by contacting us. Please see the Important Information section for more details.

Refunds
We will pay any refund due to the bank account or credit/debit card we hold on file.

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
4
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
Your contract with BISL Limited ('We/Us/Our') contract setting out the terms and conditions upon which it is
arranged and administered and priced.
BISL Limited is an insurance intermediary and will arrange and
administer your Geoffrey Insurance Policy on your behalf. You will enter We will also arrange the renewal of your insurance and additional
into two separate contracts when you take out a Geoffrey Insurance products based on your requirements (see Automatic Renewal
policy through us. The first contract is with Us and sets out the terms and section).
conditions under which We will arrange and administer your insurance
policy on your behalf and any fee(s) that we shall charge you for Our fees and charges for providing Our insurance
providing Our insurance intermediary services. Use this information to
decide if Our services are right for you. intermediary services to you
You will also enter into a separate contract with Geoffrey Insurance for We will charge you the following fees where applicable for Our services:
providing your insurance. Details of the premium charged and the terms
and conditions relevant to the insurance policy are set out in your Arrangement fee
Welcome Pack. If either you or We cancel within 14 days of receiving your policy
When you purchase additional products or pay for your policy by documentation We will charge you a fee of £25 plus the cost for the
instalments using a fixed sum loan agreement, you will enter further amount of time you have been covered unless you have made a total
contracts with each insurer, supplier or credit provider for these services. loss claim in which case no refund will be given and all premiums will be
due.
Client Money
Cancellation fee
We act as agent for the insurer for the collection and payment of your
premiums including any additional insurance products you purchase If either you or We cancel more than 14 days after receiving your policy
from us. This means that premiums are treated as being received by the documentation BISL Limited will charge you a fee of £50 plus the cost
insurer when they are received by us. Any premium refund is treated as for the period of cover you have benefitted from.
received by you when it is actually paid to you. We will not pay you the This is providing no claims have been made. If a claim has been made,
amount of any interest that we earn from investing your money before or there has been an incident which may lead to a claim, no refund will
paying it to your insurer. be given and all premiums will be due. If any premium remains
outstanding at the time that a claim is paid to you, We or your credit
Your demands and needs provider may ask the insurer to deduct any outstanding amounts from
The policy is designed to meet the demands and needs of customers any sum due to you.
who wish to insure their motor vehicle against the risk that they have If you cancel the additional products taken out with your policy, but not
selected to cover. For example third party, fire and theft or the main policy within 14 days of receiving your policy documentation,
comprehensive cover, as well as any additional services chosen. you will pay for time on cover only. After this time, no refund will be
given. If you cancel the main policy then any additional products taken
We have not provided advice on whether the policy is suitable for your
out will also be cancelled.
needs or made any recommendations.
If upon investigation we find that you are no longer eligible for an add-on
Your additional products and services: product, a refund will be provided on a pro-rata basis.
We have provided you with information on how to cancel your policy in
No claims discount protection the cancellation section of your Motor Policy Wording, Section 14. This
clearly sets out Our approach to providing you with a refund of premium
We offer products from Geoffrey Insurance for car insurance. We only for your time on cover.
offers products from a single insurer or supplier for:
We will pay any refund due to the bank account or credit/debit card We
No claims discount protection, arranged & administered by BISL Ltd hold on file.

What Insurance Intermediary Services will We Policy amendment fee

provide? All amendments to the policy are subject to a £25 amendment fee.
We have provided you with a list of examples of the things that We need
Our insurance intermediary services We provide to you on your behalf
include: to know about in the general conditions section of your Motor Policy
Wording, Section 16.
We will arrange your vehicle insurance with the insurer based on your
requirements, We will deal with your payment and provide you with Failed payment fee
the details and documentation relating to your policy. If you fail to make a payment We will charge you a fee of £20.
Deal with your requests for adjustments you have to make to your
policy, such as changes to the cover required, the use and/or vehicle Changes in Terms & Conditions
insured. We will notify the insurer, deal with any amendments of risk We are entitled to change any of the fees or terms and conditions of this
or adjustments of premium required and provide you with contract between you and Us, (i) with 30 days notice during the term of
confirmation of any changes to your policy. the policy if required by law or regulatory authorities, or (ii) at renewal.
We will also arrange the cancellation of your policy at your request,
notify the insurer, deal with any refunds of premium, confirm the
changes to your policy and arrange for the return of documents.
Deal with your requests for any duplicate or replacement
documentation relating to your policy and/or additional products.
We will arrange optional additional add-on products where you
consider these products meet your needs.
We will provide optional additional intermediary services, such as
arranging No claims discount protection (NCDP) with your insurer. In
the event NCDP is selected you will be provided with a separate

5
Continuous Payment Authority
When you pay by credit or debit card We will set up a Continuous
Payment Authority (CPA). This allows Us to take your payments
automatically when they are due, including for any amendments you
make and future renewals. This means you don't have to provide new
details for each payment and ensures your insurance continues
uninterrupted. We will always inform the policyholder of any payments
that are due to be taken. We reserve for payments with your bank 2
working days prior to a payment due date and can attempt collection up
to 3 times within this 2-day window. We won't attempt any further
reservations past the payment due date. If We're unable to collect a
payment at any point, We will contact the policyholder. Failed payments
could result in a fee. If applicable, please see the 'Failed payment fee'
section above for details of the fee. The policy may be cancelled if We
don't receive payments that are due. You can cancel the CPA by
contacting Us at any time.

Automatic renewal
To ensure you continue to be insured after renewal, We reserve the right
to automatically renew your insurance and any additional products you
currently have the benefit of. We will contact you before the end of the
policy with Our new offer, explaining what you need to do. We may
automatically renew the policy where We are able to, using the payment
method that you have provided Us with ****3453 in order to ensure you
remain continuously covered. Please note, if you don't advise Us that
you don't want your policy to renew by the renewal date, We will attempt
to take the first payment that is due. If this payment is declined, you will
be charged a failed payment fee if applicable, please see the 'Failed
payment fee' section above for details. You can ask Us to stop taking
payments automatically or change your payment method at any time by
contacting Us on: 0808 196 1548.
Compensation
BISL Limited is covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the scheme
if BISL Limited cannot meet its obligations. This depends on the type of
business and the circumstances of the claim. Insurance advising and
arranging is covered for 90% of the claim, without any upper limit. For
compulsory classes of insurance, insurance advising and arranging is
covered for 100% of the claim without any upper limit.
Further information about compensation scheme arrangements is
available from the FSCS website; www.fscs.org.uk, or write to Financial
Services Compensation Scheme,10th floor, Beaufort House, 15 St
Botolph Street, London, EC3A 7QU.

Who regulates Us
BISL Limited is authorised and regulated by the Financial Conduct Authority
(FCA). Our firm reference number is 308896.
Our permitted business is arranging general insurance contracts which you
can check on the Financial Services register by visiting the website
www.fca.org.uk.

Duration and Choice of Law

The minimum duration of this contract with Us is the duration of your
related insurance policy. This contract will terminate simultaneously with
the termination of your related insurance policy.
These terms and conditions are governed by the laws of England and
Wales unless you and We agree otherwise and such agreement has
been put in writing by Us.

6
Policy Number : 135193408-01 Effective Date : 18 October 2022 Issue Date : 26 September 2022
Important: Please read the following information carefully. Please advise us immediately on 0808 196 1548 should any of the information be
incorrect or missing. If we become aware of any changes to the information stated in this Statement of Insurance then we will update your policy
and advise you of any change to your premium or to the terms that the insurer requires and send you a new Statement of Insurance. Failure to
disclose correct and complete information to the best of your knowledge and belief may result in increased premiums, refusal of a claim or not
being fully paid, your policy being cancelled or being made null & void and treated as if it never existed.

About you
Title: Mr
Forename(s): Zak Surname: Bradley
Full Address: 10 Frances Brady Way, Hull Postcode: HU9 3BW
Telephone - Home: 07731 432283 Telephone - Work: 07731 432283
Email Address: [email protected] Homeowner: Yes

About the vehicle

Make, model and engine size: 2013 Mazda Cx-5 Sport Nav 1998cc 5dr
Type of body: Hatch Right hand drive: Yes
Registration mark: VJZ3763 Fuel type: Petrol
Year of manufacture: 2013 Transmission: Manual
Estimated annual mileage: up to 8999 Where the vehicle is parked overnight: Drive
Estimated vehicle value: Market Value
Date purchased: October 2018 Risk address postcode: HU9 3BW
Any modification to the manufacturers' original specification e.g. alloy wheels, suspension, bodywork or engine? No
Details of the modifications if applicable: Not Applicable
Details of security device if applicable: Approved alarm and immobiliser - Confirmed
Are you the registered keeper of this vehicle: Yes Full details if applicable: Not Applicable
Who is entitled to drive
Driving restriction: Insured only

Details of all drivers

Driver 1
Forename(s): Zak Surname: Bradley
Date of birth: 18/10/1989 Sex: Male
Marital status: Married Occupation: Fork Lift Truck Driver
Licence type: Full UK Licence (this includes a licence Employer's business: Shipping And Forwarding
that may be restricted) - 9 Or More Years Agency
Licence date: Sep 2008 Regular driver: Yes
Access to another vehicle: Yes Has any previous insurance been refused, No
Relationship to driver 1: N/A voided, cancelled or had special terms
imposed in the last 5 years:

Details of all claims, accidents, thefts or losses regardless of blame in the last 5 years
Driver Date Details At fault?
None disclosed

Details of any motoring convictions, driving licence endorsements, fixed penalties, or disqualifications in
the last 5 years
Driver Conviction Conviction code Penalty Disqualified Suspension
date points from driving period (months)
None disclosed

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
7
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
 Medical conditions or disabilities
Driver DVLA informed Restricted licence
None disclosed

Cover details
Type of cover: Comprehensive Use required: Use for social, domestic and pleasure purposes (including commuting to
and from a permanent place of work).
Voluntary Excess: £250 Note: Additional excesses may apply.
This document should be read in conjunction with the Schedule of Insurance and Certificate of Motor Insurance.

No claims discount
Number of years no claims discount you are claiming: 9 years
If eligible is protected no claims discount required: Yes
Important note : If we have not requested evidence of your no claims discount entitlement, it is important that the evidence is retained
safely. In the event of a claim you may be required to provide this evidence to us and any incorrect information could prejudice any
claim.

Important notes
You must have answered truthfully all questions relating to your This is an important document and should be read in conjunction
details; those of the car and of all named drivers on your policy, with your Schedule of Insurance, Certificate of Motor Insurance and
that we asked when your policy started. You must also have Motor Policy Wording.
truthfully agreed to all statements that we listed in the Statement of No cover is in force until a Cover Note or Certificate of Motor
Insurance relating to your policy when it started. You must also Insurance has been issued by us.
advise us as soon as possible of all changes to this information. It Your authorised insurer : West Bay Insurance plc
is an offence under the Road Traffic Act to make any false Address : Authorised Insurers, registered in
statement or withhold any information for the purpose of obtaining
Gibraltar (No. 84085) with
a Certificate of Motor Insurance.
registered office address at
846-848 Europort, Gibraltar
Markerstudy Insurance Services Limited registered in England and Wales (No 2135730) authorised and regulated by the Financial Conduct
Authority, registered office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB act as the underwriting agent on behalf of West Bay
Insurance plc.

8
Important: This document should be read in conjunction with the Motor Policy Wording and Certificate of Motor Insurance.

Policyholder details
Name: Mr Z Bradley
Address: 10 Frances Brady Way, Hull, HU9 3BW
Policy number: 135193408-01
Start time and date: 00:01 18 October 2022 Expiry time and date: 23:59 17 October 2023
Document issued: 12:20 26 September 2022 Reason for Issue: New business

Vehicle details
Make, model and engine size: 2013 Mazda Cx-5 Sport Nav 1998cc 5dr
Registration mark: VJZ3763
Car value: Market Value
Estimated annual mileage: up to 8999
Postcode where vehicle is kept: HU9 3BW
Overnight location: Drive
Registered keeper: Mr Z Bradley

Cover details
Type of cover: Comprehensive
Use: Use for social, domestic and pleasure purposes (including
commuting to and from a permanent place of work).
Driving restriction: Insured Only

People insured to drive Mr Zak Bradley (Regular Driver)

Excesses that apply

Voluntary excess: £250
Compulsory excess: £125
Total excess: £375
Glass excess: £100
Replacement locks: £100
Additional excesses may apply while your vehicle is being driven by a young or inexperienced driver. Details of these are:
Drivers aged under 21: £300
Drivers aged 21 to 24: £200
Drivers aged 25 or older who hold a provisional licence or who have held a full driving licence issued
within the territorial limits, the European Union or European Economic Area for less than 12 months: £149

Sections of the Motor Policy Wording that apply: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16

Policy underwritten by: West Bay Insurance plc Registered address: Authorised Insurers,
registered in
Gibraltar (No. 84085) with
registered office address at
846-848 Europort, Gibraltar

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
9
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
10
Geoffrey Insurance
24 hour claims helpline: 0808 196 1549
Please keep this document safe

...............................................................................................
...........................................................................................
..................................................
.....................................................................................
.......................................................................
Liability to others ........................................................................ Section 1
Damage to the car ..................................................................... Section 2
Fire and theft ................................................................................ Section 3
Glass damage ............................................................................. Section 4
Personal belongings ................................................................. Section 5
Medical expenses ...................................................................... Section 6
Personal accident benefits ..................................................... Section 7
Replacement locks .................................................................... Section 8
Driving abroad ............................................................................ Section 9
Car seat cover.............................................................................. Section 10
Emergency transport and accommodation ....................... Section 11
Uninsured driver promise ......................................................... Section 12
No claims discount .................................................................... Section 13
Cancellation ................................................................................. Section 14
General policy exclusions ...................................................... Section 15
General policy conditions ....................................................... Section 16
......................................................................
......................................................................

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
11
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
 A Definitions
Certain words appearing in this Motor Policy Wording, Schedule of Insurance, Statement of Insurance and Certificate of Insurance have been
defined and they will have the same meaning wherever they are shown in bold.

Word or Expression Definition

Accessories Additional or supplementary parts of the car not directly related to its function as a vehicle, whilst in or on the
car or held in a locked private garage. Accessories do not include trailers, personal belongings, mobile
telephones, audio, navigation or entertainment equipment.
Approved Repairer A repairer the insurer has approved and authorised to repair the car following a claim under section 2, 3 or
4 of this policy.

Certificate of Motor Insurance The document headed Certificate of Motor Insurance which provides evidence of the existence of motor
insurance as required by the Road Traffic Acts.

Excess(es) The amount you must pay towards any claim, this can include both compulsory and voluntary excesses in
which case we will add them together.
Inexperienced driver Drivers aged 25 or older who hold a provisional licence or who have held a full driving licence issued within
the territorial limits, the European Union or European Economic Area for less than 12 months.

Insurer West Bay Insurance plc and/or its co-insurers whose names and addresses are available upon request.

Market value The cost of replacing the car with another of the same make, specification, model, age, mileage and
condition as the car immediately before the loss or damage happened.

Partner Your husband, wife, civil partner or a person living with you at the same address on a permanent basis
sharing financial responsibilities, as if you were married to them. This does not include business partners,
unless you also have a relationship with them as described in the first sentence.
Period of insurance The length of time for which the insurer will insure you. This is shown in the Schedule of Insurance.

Policy The documents consisting of this wording, the Statement of Insurance, the Schedule of Insurance, the
Certificate of Motor Insurance identified by the same policy number, that together form part of your contract
of insurance.
Regular driver The person named as such in your Schedule of Insurance who you told us is the person who drives the
car the most often.

Risk address The address where the car is normally kept overnight.

Road traffic acts Any Acts, Laws or Regulations which govern the driving or use of any motor vehicle. In the United Kingdom
this is the Road Traffic Act 1988 and any subsequent amendments thereto or successors thereof.

Schedule of Insurance The latest Schedule of Insurance that we have issued to you. It gives details of the period of insurance, the
sections of the policy which apply, the premium, the car which is insured and details of any excesses.

Statement of Insurance The form that shows the information that you gave us, including information given on your behalf and verbal
information you gave prior to commencement of the policy.

Territorial limits Great Britain, Northern Ireland, the Isle of Man, The Channel Islands including transit by sea, air or land
within and between these places.

Terrorism Any act that the government of the United Kingdom considers to be an act of terrorism. The use of or threat
of action, force or violence by any person or group of people acting alone or on behalf of any organisation or
government. This could be for political, religious, ideological or similar reasons. This includes trying to
influence any government or intimidate the public.
The car(s) The vehicle specified in the Certificate of Motor Insurance by registration number.

Third party Any person who makes a claim against anyone insured under this policy.

Unattended When you or any passenger is not inside the car.

We/Us/Our The Insurer and/or BISL Limited the insurance intermediary authorised to act on behalf of the Insurer in
relation to the arrangement and administration of this policy.

You/Your/Policyholder The person named as the policyholder on your Schedule of Insurance.

Young driver A person under 25 at the time of an event which you or they may be entitled to claim for.

12
 B Policy cover
Your Schedule of Insurance shows the level of cover you have chosen. The cover and policy sections applicable are shown below.
Section name Cover applicable

Comprehensive Third party, fire and theft

Section 1 : Liability to others

Section 2 : Damage to the car

Section 3 : Fire and theft

Section 4 : Glass damage

Section 5 : Personal belongings

Section 6 : Medical expenses

Section 7 : Personal accident benefits

Section 8 : Replacement locks

Section 9 : Driving abroad

Section 10 : Car seat cover

Section 11 : Emergency transport and

accommodation
Section 12 : Uninsured driver promise

Section 13 : No claims discount

Section 14 : Cancellation

Section 15 : General policy exclusions

Section 16 : General policy conditions

There is a change in the purpose the car is used for.

There is a change in estimated annual mileage.
C Important customer information Anyone who drives the car passes their driving test or has their driving
licence revoked.
You must tell us straight away if anything changes to the information you Anyone who drives the car gets a motoring conviction or driving licence
provided as per the Statement of Insurance. The changes include the endorsement or has a prosecution pending (including fixed penalty
following and if you do not tell us about these changes, this may result in offences).
increased premiums, refusal of a claim or not being fully paid, your policy Anyone who drives the car changes occupation, starts a new job
being cancelled or being made null & void and treated as if it never existed. (including any part-time work) or stops work.
This list is not exhaustive and if you are unsure about whether to tell us Anyone who drives the car develops a health condition, which requires
about something please call us on 0808 196 1548 to check: notification to the DVLA, or an existing condition worsens. You can find
You sell the car, change the car or its registration number, or you get additional information in the driving and transport section of www.gov.uk
another car. or pick up leaflet D100 from the Post Office.
You change your address. The car is involved in an accident or fire, or someone steals, damages or
The car is modified or changed in any way from the manufacturer's tries to break into it.
original specification (including but not limited to: optional fit extras, alloy Anyone who drives the car is involved in any accident or has a vehicle
wheels, suspension, bodywork, engine, audio, video and satellite damaged or stolen.
navigation equipment). Anyone who drives the car had insurance refused, cancelled or had
You want to add or remove a driver. special conditions applied.
There is a change in the regular driver of the car. You plan to take the vehicle abroad.

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
13
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
Please note that any amendments to your policy may result in a change to available apart from this Act.
your premium and policy terms, including your excess.
Financial Services Compensation Scheme (FSCS)
If we are unable to meet all our liabilities to policyholders under the Financial
Services and Markets Act 2000 you may be entitled to compensation from
the Financial Services Compensation Scheme.
D Making a claim Any claims made to the Financial Services Compensation Scheme for
non-compulsory (optional) insurance, such as damage to the insured car, and
We must be notified as soon as possible of any accident or loss involving the
for any unused premium, are covered up to 90% of the value of the claim
car or any other incidents which may lead to a claim by you or by a third
submitted. You can get more information from the Financial Services
party.
Compensation Scheme at www.fscs.org.uk or by calling 0800 678 1100.
What to do if you have an accident Choice of Law
In the unfortunate event that you are involved in an accident, please take the The law of England and Wales shall apply to this contract unless:
following simple steps; The principal policyholder and we agree otherwise; or.
Don't leave the accident scene. At the date of the contract, the principal policyholder is a resident of, (or
Call the police if anyone is injured. in the case of a business, the registered office or principal place of
Obtain the details of all witnesses. business is situated in) Scotland, Northern Ireland, Channel Islands or
Note the details of the third party, including name, address, vehicle the Isle of Man, in which case (in the absence of agreement to the
registration number, the name of their insurance company and their policy contrary), the law of that country will apply.
number. Use of Language
Take pictures of the accident scene with your mobile phone. Unless otherwise agreed, the contractual terms and conditions and other
Sketch a rough diagram of the accident scene. information relating to this contract will be in English.
Do not admit liability, seek settlement or offer to negotiate.
Report the accident to us as soon as possible on 0808 196 1549.
What to do if your car is subject to a theft, attempted 1 Liability to others
theft or malicious damage
Call the police and obtain a crime reference number. What is covered under this section
Report the incident to us as soon as possible on 0808 196 1549. The insurer will pay amounts including claimant's costs that you are legally
liable to pay for:
What to do if your car windscreen or window glass is
The death of or bodily injury to any person caused by an incident involving
broken or damaged the car; and
If you have comprehensive cover and your claim is for the car Damage to someone else's property caused by an incident involving the
windscreen, side or rear windows, or the sunroof, please contact our car up to a maximum of £20,000,000 (including all legal and other
claims department on 0808 196 1547. Claims under this section will not expenses) for any one claim or number of claims arising from one cause.
affect your no claims discount. If the glass has to be replaced the glass
excess shown on your Schedule of Insurance will be payable. Driving other cars extension
If you do not have comprehensive cover, you can still call the claims The cover under this section of the policy is extended to the specific driver
department but you will have to pay the cost of the replacement or repair. noted in the Certificate of Motor Insurance as having the benefit of this
extension when driving other cars not owned by, or registered to, or hired,
How to notify us of a claim rented or leased to the specific driver, their business partner or their
To report a claim or for claims enquiries call our claims line on 0808 196 employer, or is being kept or used in connection with their employer's
1549. We will ask you a number of questions over the phone so please make business.
sure you have the following information when you call: This extended cover only applies if:
Date, time and description of the incident. This extension is shown on your Certificate of Motor Insurance; and
Details of any third party involved including name, address, vehicle There is no other insurance in force that covers the same claim ; and
registration, the name of their insurance company and their policy There is a current and valid Certificate of Motor Insurance held for the
number. other car in accordance with Road Traffic Acts; and
Name and address of any witnesses. The other car has not been seized by, or on behalf of, any government or
If the police were in attendance, the incident reference number. public authority; and
We will usually be able to take all the information to allow us to handle your The driver has the owner's permission to drive the other car; and
claim efficiently within one phone call. However we may need to contact you The other car is registered within the territorial limits; and
again to check certain aspects of your claim or in certain circumstances
The other car is not being used outside the territorial limits; and
require that you complete a claim form.
You still have the car and it has not been stolen and not recovered; or
damaged beyond cost effective repair.
Legal costs
E Contract of insurance In the event of an accident covered by this section and subject to the
insurers prior agreement, they will pay for the following at your request:
This document gives details of your cover and it should be read along with Solicitors' fees for representation at any coroner's inquest, fatal accident
your Statement of Insurance, Schedule of Insurance and Certificate of inquiry or magistrates court (including a court of equal status in any
Motor Insurance. country within the territorial limits).
Please take time to read through these documents which contain important Legal costs for defending a charge of manslaughter or causing death by
information about the details you have given. You should also show your dangerous or careless driving.
policy to anyone else who is covered under it. Any other costs and expenses for which the insurer has given their prior
It's important that you check the information you have provided and notify us agreement.
immediately of any changes to these details. Failure to disclose correct and If anyone who is covered by this section dies while they are involved in legal
complete information to the best of your knowledge and belief may result in action, the insurer will give the same cover as they had to their legal
increased premiums, refusal of a claim or not being fully paid, your policy personal representatives.
being cancelled or being made null & void and treated as if it never existed.
You are required to update us with any changes to your information. Emergency treatment
In return for your premium, the insurer will provide the cover shown in your The insurer will pay for the cost of any emergency treatment or hospital
policy for accident, injury, loss or damage that happens within the territorial treatment which you incur under the UK Road Traffic Acts for injuries arising
limits during the period of insurance. out of any accident involving any car which this policy covers. If this is the
The parties to this contract are you and the insurer. Nothing in this contract only payment made, it will not affect your no claim discount.
shall create any rights to third parties under the Contracts (Rights of Third Towing
Parties) Act 1999 and no variation of this contract, nor any supplemental or
The cover under this section of the policy is extended to you while any
ancillary agreement, shall create any such rights unless expressly so stated.
vehicle covered by this policy is towing a trailer, trailer caravan or broken
This does not affect any right or remedy of a third party which exists or is
down car. The cover will apply as long as:
14
 The towing is allowed by law; and insurer will not pay the cost of importing parts that are not available in the
The trailer, trailer caravan or broken down car is attached properly by territorial limits.
towing equipment made for this purpose; and The insurer may at their option use parts that have not been supplied by the
The trailer, trailer caravan or broken down car is not being towed for hire original manufacturer to repair your car. These parts will be subject to the
or reward. approved repairer's guarantee.
If to the insurers knowledge the car is subject of a hire purchase or leasing
Cover for other users of your car agreement, they may, in the event of the car's total loss or destruction, pay
The insurer will provide the same cover, other than the Driving other cars the hire purchase or leasing company directly for the loss or damage to the
extension for liability to third parties to: vehicle. If the insurers estimate of the market value is less than the amount
Anyone travelling in, or getting into or out of the car. owed any balance will be paid by you.
Any person using the car, with your permission, to tow any single trailer, The insurer will also pay reasonable costs for the protection, removal and
trailer-caravan or broken down car while it is attached to the car and if storage of the car and delivery after repair to your risk address.
allowed by law, provided it is not being towed for hire or reward. The insurer will not pay more than the market value of the car at the time of
Anyone driving the car with your permission, as long as your Certificate the loss unless the new car benefit applies.
of Motor Insurance shows that they are allowed to drive the car. The
person driving must not be excluded by any endorsement, exception or New car benefit
condition. The insurer will replace the car with one of the same make, model and
Anyone using (but not driving) the car with your permission for social specification if;
domestic and pleasure purposes. The loss or damage happens on or within the first anniversary of the date
The employer or business partner of you or your partner (if covered the car was first registered; and
under this policy) should they become legally liable as a result of the use You, or your partner, are the first and only registered keeper of the car
of the car by you or your partner in the course of their business or (or the second registered keeper if the first registered keeper is the
employment, providing that such use is covered by the Certificate of manufacturer or supplying dealer and the delivery mileage is under 250
Motor Insurance. This does not apply if : miles); and
o The car belongs to or is hired by such employer or business partner. You, or your partner, have owned the car (or it has been hired to you, or
o The insured is a corporate body or firm. your partner, under a hire-purchase or leasing agreement) since it was
first registered as new (or you are the second owner if the first owner is
What is not covered under section 1 the manufacturer or supplying dealer and the delivery mileage is under
The insurer will not pay for; 250 miles); and
Any amount the insurer has not agreed to in writing. The cost of repair is valued at more than 60% of the cost of buying an
Any loss of or damage to property which belongs to, or is in the charge of, identical new car at the time of the loss or damage (based on the United
any person who is claiming cover under this policy. Kingdom list price); and
Any loss of or damage to any vehicle, trailer, trailer caravan or disabled The car was supplied as new from within the territorial limits.
vehicle covered by this policy In these circumstances, if you ask the insurer to they will replace the car
Any liability for death or injury to any employee in the course of their (and pay reasonable delivery charges) with a new car of the same make,
employment by anyone insured by this policy if the employer is covered model and specification.
by an employer's liability policy except as required by any compulsory The insurer can only do this if a replacement car is available in the territorial
Road Traffic Acts. limits and anyone else who has an interest in the car agrees.
Death or injury to any person being carried in or on or getting in or out of If a replacement car of the same make, model and specification is not
the trailer or trailer caravan you tow. available, the insurer will, where possible, provide a similar car of identical
Any liability incurred while the trailer, trailer caravan or broken down car list price.
you tow is not attached. If this is not acceptable to you, the insurer will not pay more than the market
Any loss of or damage to property being carried in or on the trailer, trailer value of the car at the time of the loss.
caravan or broken down car you tow.
Any claim for pollution or contamination, unless it is caused by a sudden Car audio, navigation and entertainment equipment
identifiable event which was unintended and unexpected and happened at The insurer will also cover the cost of replacing or repairing the car's audio,
one specific time and place. navigation and entertainment equipment up to the following amounts:
Any amount over £1.2 million, for any one pollution or contamination Unlimited for equipment fitted as original equipment by the manufacturer;
event. or
Cover will not apply to any person claiming under this section who can £500 for any other equipment not fitted by the manufacturer, provided it is
claim under another policy. permanently fitted to the car.
Approved repairer
If the damage to the car is covered under your policy and it is repaired by
2 Damage to the car an approved repairer, you do not need to obtain any estimates and repairs
can begin immediately after the insurer has authorised them. The insurer
What is covered under this section will arrange for one of their repairers to contact you to arrange to collect the
This section provides you with cover for loss or damage to the car and its car. Repairs made by the insurer's approved repairers are guaranteed for
accessories caused by accidental or malicious damage, or vandalism. three years.
The insurer will decide either to: At your option, you can arrange for a repairer of your choice to carry out the
Repair the damage which is normally undertaken by the insurers repairs. You must send the insurer at least two detailed repair estimates as
approved repairer, or soon as reasonably possible. The insurer will only be liable for the repair
Pay to repair what is lost or damaged if this is more cost effective than costs at a non-approved repairer if the insurer has agreed that the costs are
repairing it, or reasonable and the insurer has issued an authorisation to the repairer. The
insurer may need to inspect the car.
Pay you an amount equal to the loss or damage.
The insurer reserves the right to ask you to obtain alternative estimates and
If you choose to use an alternative repairer:
the insurer may not pay you more than their approved repairer would have
the insurer will not guarantee the work after you have signed a customer charged them for the repair of the car.
satisfaction note and your car has been returned to you by the repairer.
If parts required for repairing your car are not available in the United Courtesy cars
Kingdom the insurers liability for those parts shall not exceed the This policy also covers loss or damage to any courtesy car the insurers
manufacturers' last United Kindom list price or if not listed the price of those approved repairer provides to you while any damage to the car is being
parts for the nearest comparable car available in the territorial limits. The repaired. The provision of a courtesy car is subject to availability and the
approved repairer terms and conditions. If the provision of a

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
15
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
courtesy car is available, the insurers approved repairer will not be obliged Pay you an amount equal to the loss or damage.
to arrange a replacement vehicle any larger than a small hatchback, typically If you choose to use an alternative repairer:
with a 1 litre engine capacity. If you wish to upgrade to any other vehicle the the insurer will not guarantee the work after you have signed a customer
cost of the upgrade will be your responsibility. In addition, the terms, satisfaction note and your car has been returned to you by the repairer.
conditions and excesses of your policy remain in force for the courtesy car.
If parts required for repairing your car are not available in the United
What is not covered under section 2 Kingdom the insurers liability for those parts shall not exceed the
Loss of or damage to the car caused by fire, theft or attempted theft. manufacturers' last United Kingdom list price or if not listed the price of those
parts for the nearest comparable car available in the territorial limits. The
The total excess shown in your Schedule of Insurance.
insurer will not pay the cost of importing parts that are not available in the
The additional excess shown in the Schedule of Insurance, if the car is territorial limits.
damaged while it is being driven by a young driver or inexperienced
The insurer may at their option use parts that have not been supplied by the
driver.
original manufacturer to repair your car. These parts will be subject to the
Any additional amount you are responsible for under this section if you approved repairer's guarantee.
choose not to use the insurers approved repairer.
If to the insurers knowledge the car is subject of a hire purchase or leasing
Loss of keys, keyless entry system devices, tapes, compact and mini agreement, the insurer may, in the event of the car's total loss or
discs, DVD's and other portable media storage devices. destruction, pay the hire purchase or leasing company directly for the loss or
Loss or damage caused to the car, if at the time of the incident, it was damamge to the vehicle. If the insurers estimate of the market value is less
under the custody or control of anyone with your permission who is not than the amount owed any balance will be paid by you.
covered under this policy. The insurer will also pay reasonable costs for the protection, removal
Loss or damage to the car and/or its contents as a result of someone storage of the car and delivery after repair to your risk address.
taking it by fraud or trickery while pretending to be a buyer. The insurer will not pay more than the market value of the car at the time of
Loss or damage to the car caused by malicious damage unless this has the loss unless the new car benefit applies.
been reported to the police and a crime reference number obtained.
New car benefit
The insurer will not pay for any losses that are not directly associated
with the incident that caused you to claim, unless expressly stated in this The insurer will replace the car with one of the same make, model and
policy. specification if;
Loss or damage deliberately caused by any person entitled to be covered The loss or damage happens on or within the first anniversary of the date
under this policy or any person acting on their behalf. the car was first registered; and
Loss or damage resulting from incorrectly maintaining or fuelling the car You, or your partner, are the first and only registered keeper of the car
or from the use of substandard fuel, lubricants or parts. (or the second registered keeper if the first registered keeper is the
manufacturer or supplying dealer and the delivery mileage is under 250
Loss of or damage to the car caused by a person known to you taking
miles); and
the car without your permission, unless that person is reported to the
police for taking the car without your permission. You, or your partner, have owned the car (or it has been hired to you, or
your partner, under a hire-purchase or leasing agreement) since it was
Costs resulting from loss of use of the car.
first registered as new (or you are the second owner if the first owner is
Any reduction in the market value of the car following repair. the manufacturer or supplying dealer and the delivery mileage is under
Any part of the cost of repair or replacement which improves the car or its 250 miles); and
accessories beyond its condition immediately before the loss or damage The cost of repair is valued at more than 60% of the cost of buying an
occurred. identical new car at the time of the loss or damage (based on the United
Loss or damage to any trailer, caravan or disabled motor vehicle, or their Kingdom list price); and
contents, being towed by the car. The car was supplied as new from within the territorial limits.
Loss or damage from taking the car and returning it to the legal owner. In these circumstances, if you ask the insurer to they will replace the car
Loss or damage to in car audio, television, DVD, phone, games-console, (and pay reasonable delivery charges) with a new car of the same make,
or electronic navigation, unless these items are permanently fitted to the model and specification.
car. The insurer can only do this if a replacement car is available in the territorial
Loss or damage caused by wear and tear or depreciation. limits and anyone else who has an interest in the car agrees.
Loss or damage caused by any mechanical, electrical, electronic If a replacement car of the same make, model and specification is not
computer or computer software failures, breakdowns, faults or breakages. available, the insurer will, where possible, provide a similar car of identical
Loss or damage arising directly or indirectly from water freezing in the list price.
cooling system of the car. If this is not acceptable to you, the insurer will not pay more than the market
Damage caused by the process of cleaning, modification, repairing or value of the car at the time of the loss.
restoring or by any gradually operating cause.
Damage to tyres caused by braking, punctures, cuts or bursts not as a
Approved repairer
direct result of an accident. If the damage to the car is covered under your policy and it is repaired by
Any storage charges unless you tell the insurer about them and unless an approved repairer, you do not need to obtain any estimates and repairs
the insurer agrees in writing to pay for them. can begin immediately after the insurer has authorised them. The insurer
will arrange for one of their repairers to contact you to arrange to collect the
Any increase in damage as a result of the car being moved under its own car. Repairs made by the insurer's approved repairers are guaranteed for
power following an incident. three years.
Costs of importing parts or accessories or storage costs caused by At your option, you can arrange for a repairer of your choice to carry out the
delays, where the parts or accessories are not available from current repairs. You must send the insurer at least two detailed repair estimates as
stock within the territorial limits. soon as reasonably possible. The insurer will only be liable for the repair
Any amount over the cost shown in the manufacturer's latest price guide costs at a non-approved repairer if the insurer has agreed that the costs are
for any lost or damaged parts or accessories if such parts or reasonable and the insurer has issued an authorisation to the repairer. The
accessories are not available. insurer may need to inspect the car.
Loss or damage resulting from confiscation, nationalisation, requisition or The insurer reserves the right to ask you to obtain alternative estimates and
destruction by or under the order of any government or public or legal the insurer may not pay you more than their approved repairer would have
authority. charged them for the repair of the car.
Car audio, navigation and entertainment equipment
The insurer will also cover the cost of replacing or repairing the car's audio,
3 Fire and theft navigation and entertainment equipment up to the following amounts:
Unlimited for equipment fitted as original equipment by the manufacturer;
What is covered under this section or
This section provides you with cover for loss or damage to the car and its £500 for any other equipment not fitted by the manufacturer, provided it is
accessories caused by fire, theft or attempted theft. permanently fitted to the car.
The insurer will decide either to:
What is not covered under section 3
Repair the damage which is normally undertaken by the insurers
approved repairer, or The total excess shown in your Schedule of Insurance plus any
additional amount you are responsible for under this section if you
Pay to repair what is lost or damaged if this is more cost effective than choose not to use the insurers approved repairer.
repairing it, or
16
 Loss or damage caused by theft or attempted theft if the keys or lock this section when using an approved repairer, subject to glass provider terms
transmitter or entry card from the keyless entry system are left in or on the and conditions.
car while it is left unattended. If the repair or replacement is carried out by one of our approved suppliers,
Loss of keys, keyless entry system devices, tapes, compact and mini cover is unlimited. (To contact one of our approved suppliers please refer to
discs, DVD's and other portable media storage devices. the 'Making a claim section' of this policy.)
Loss or damage caused by theft or attempted theft if the car is left If you choose to use your own supplier, then cover will be limited to £250
unattended without being properly locked and/or if any window, roof less any excess.
opening, removable roof panel or hood is left open or unlocked. A claim under this section only will not affect your no claims discount.
Loss or damage if any security or tracking device, which the insurer has What is not covered under section 4
insisted is fitted to the car, has not been set or is not in full working order. The glass excess shown in your Schedule of Insurance, unless the
Loss or damage caused to the car, if at the time of the incident, it was glass is repaired and not replaced in which case no excess applies.
under the custody or control of anyone with your permission who is not Loss of use of the car.
covered under this policy.
Damaged or broken glass in panoramic glass roofs.
Loss or damage to the car and/or its contents as a result of someone
Repair or replacement of the hood/roof structure of a convertible or
taking it by fraud or trickery while pretending to be a buyer.
cabriolet vehicle.
Loss of or damage to the car by theft, attempted theft unless this has
been reported to the police and a crime reference number obtained. Repair or replacement of any glass that is part of a removable or folding
convertible roof.
The insurer will not pay for any losses that are not directly associated
with the incident that caused you to claim, unless expressly stated in this Repair or replacement of any windscreen or window not made of glass.
policy. The cost of importing parts or storage costs caused by delays where the
parts are not available from stock within the territorial limits.
Loss or damage deliberately caused by any person entitled to be covered
under this policy or any person acting on their behalf. Loss or damage deliberately caused by any person entitled to be covered
under this policy or any person acting on their behalf.
Loss or damage resulting from incorrectly maintaining or fuelling the car
or from the use of substandard fuel, lubricants or parts.
Loss of or damage to the car caused by a person known to you taking
the car without your permission, unless that person is reported to the
police for taking the car without your permission. 5 Personal belongings
Costs resulting from loss of use of the car.
Any reduction in the market value of the car following repair. What is covered under this section
Any part of the cost of repair or replacement which improves the car or its The insurer will pay up to a maximum of £200 for personal belongings not
accessories beyond its condition immediately before the loss or damage permanently fitted to the car, which are lost or damaged following an
occurred. accident, fire, theft or attempted theft involving the car.
Loss or damage to any trailer, caravan or disabled motor vehicle, or their What is not covered under section 5
contents, being towed by the car.
Loss or damage caused by wear and tear or depreciation.
Loss or damage from taking the car and returning it to the legal owner.
The insurer will pay up to a maximum of £200 for personal belongings not
Loss or damage to in car audio, television, DVD, phone, games-console, permanently fitted to the car, which are lost or damaged following an
or electronic navigation, unless these items are permanently fitted to the accident, fire, theft or attempted theft involving the car.
car.
Loss of, theft of or damage to property from an open or convertible car,
Loss or damage caused by wear and tear or depreciation. unless the personal belongings were left in a locked boot or locked glove
Loss or damage caused by any mechanical, electrical, electronic compartment.
computer or computer software failures, breakdowns, faults or breakages. Loss or damage if the car is left unattended without being properly
Loss or damage arising directly or indirectly from water freezing in the locked and/or if any window, roof opening, removable roof panel or hood
cooling system of the car. is left open or unlocked.
Damage caused by the process of cleaning, modification, repairing or Money, credit or debit cards, stamps, tickets, vouchers, documents and
restoring or by any gradually operating cause. securities.
Damage to tyres caused by braking, punctures, cuts or bursts not as a Goods or samples carried in connection with any trade or business
direct result of an accident. Loss of or damage to any radar detection equipment.
Any storage charges unless you tell the insurer about them and unless Loss of or damage to telephone or other communication equipment.
the insurer agrees in writing to pay for them.
Any increase in damage as a result of the car being moved under its own
power following an incident.
Costs of importing parts or accessories or storage costs caused by 6 Medical expenses
delays, where the parts or accessories are not available from current
stock within the territorial limits. What is covered under this section
Any amount over the cost shown in the manufacturer's latest price guide If you or anyone in the car is injured in an accident involving the car, the
for any lost or damaged parts or accessories if such parts or insurer will pay up to £250 in medical expenses for each injured person.
accessories are not available.
Loss or damage resulting from confiscation, nationalisation, requisition or
destruction by or under the order of any government or public or legal
authority. 7 Personal accident benefits
What is covered under this section
If you or your partner are accidentally killed or permanently injured while
4 Glass damage getting in, travelling in or getting out of the car (or any other private car that
you do not own), the insurer will pay the following;
What is covered under this section For death - £2,500
If the glass in the front windscreen, side, rear windows, or sunroof of the car For the total and irrecoverable loss of sight in one or both eyes - £2,000
is damaged during the period of insurance the insurer will pay the cost of For the permanent loss (at above the wrist or ankle) of use of one or more
repairing or replacing it. The insurer will also pay for any repair to the hands or feet - £2,000
bodywork of the car that has been damaged by broken glass from the The insurer will only pay these amounts if the cause of death or injury is an
windscreen or windows. Windscreen recalibration costs are covered under accident involving a car and the death or loss happens within 3 calendar
months of the accident.

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
17
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
What is not covered under section 7 If the insurer agrees to your request, the insurer will issue you with a
Green Card as legal evidence of this cover for the vehicle. In addition, if
More than £5,000 per claim.
you intend to tow a caravan or trailer, they may also issue a Green Card
Death or injury to any person not wearing a seat belt when required to by for the trailer or caravan.
law.
If you wish to extend the cover for more than your specified days or travel to a
Any intentional self injury, suicide or attempted suicide. country not referred to above, please contact Customer Services on the
Any injury or death arising wholly or in part from any natural or inherent telephone number shown in your policy documents at least 21 days prior to
disease or medical condition. the first day of travel. If your planned travel is due to commence in less than
Any injury or death to any person driving at the time of the accident who is 21 days, please let us know as soon as possible so that we can best assist
found to have a higher level of alcohol or drugs in their body than is you.
allowed by law. The insurer will also pay customs duty if the vehicle is damaged and the
If you or your partner has any other car insurance policy with the insurer decides not to return it after a valid claim on the policy.
insurer, the insurer will only pay the benefit under one policy. Cover also applies while the vehicle is being carried between sea or airports
or railway stations within these countries, as long as this travel is by a
recognised sea, air or rail route.
Please visit www.mib.org.uk and www.gov.uk/driving-abroad for more
8 Replacement locks information about driving abroad.
What is not covered under section 9
What is covered under this section If your Certificate of Motor Insurance allows a specific driver to drive any
If the keys or other ignition activation device to the car or the lock transmitter other vehicle, that cover does not apply outside of the territorial limits.
are stolen the insurer will pay up to a maximum of £500 under this section
towards the cost of replacing:
The door locks and/or boot lock.
Ignition/steering lock.
The keys or ignition activation device or the lock transmitter and central
10 Child car seat cover
locking interface. If you have a child seat fitted in your car and your car is involved in an
The reasonable cost of protecting the car, transporting it to the nearest accident or damaged following a fire or theft, your insurer will contribute up
repairers when necessary and delivering it after repair to your address. to £300 per child seat towards the cost of a replacement even if there is no
Provided it can be established that the identity or the risk address of the car apparent damage, subject to you making a claim on this insurance policy.
is likely to be known to any person in receipt of such items.
What is not covered under section 8 11 Emergency transport and accommodation
The first £100 of any claim.
Any claim where the keys, lock activation device or the lock transmitter What is covered under this section
and central locking interface are either:
If you are not able to drive your car as a result of an accident which is
Left in or on the car at the time of the loss; or
covered under section 2 or 3 of this policy, your insurer will assist with
Taken without your permission by a person known to you, unless that getting you and your passengers to a safe location. Your insurer will also
person is reported to the police. pay you up to £50 per person in respect of:
Alternative travel expenses for you and all occupants of your car to reach
your destination; and/or
9 Driving abroad Emergency overnight accommodation for you and all occupants of your
car when an unplanned overnight stay is necessary.
What is covered under this section What is not covered under this section
The insurer will provide the minimum insurance required by law while you or More than £150 per incident.
any driver covered by this policy are using the vehicle within the following Reimbursement for the purchase of any drinks, meals, clothing, toiletries,
countries: Andorra, Austria, Belgium, Bosnia & Herzegovina, Bulgaria, newspapers or telephone calls.
Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France Coverage outside the territorial limits of your policy.
(inclusive of Monaco), Germany, Greece, Hungary, Iceland, Ireland, Italy
(inclusive of San Marino and the Vatican), Latvia, Liechtenstein, Lithuania,
Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania,
Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland. 12 Uninsured driver promise
For customers with a registered address in Great Britain:
The insurer will also provide the cover shown on your Schedule of If the car is involved in an accident that was not your fault and caused by an
Insurance for up to 90 days in any period of insurance while you are using uninsured motorist your insurer will refund the cost of your excess.
the vehicle within the countries referred to above. You must provide:
For customers with a registered address in Northern Ireland: The vehicle registration and the make/model of the third party vehicle.
The insurer will also provide the cover shown on your Schedule of and the driver's details
Insurance for travel in the Republic of Ireland during the period of
insurance. For other countries listed, the cover shown on your Schedule of The promise only applies where the driver of your car was not at fault for the
Insurance is limited to 90 days in any period of insurance while you are accident.
using the vehicle within the countries referred to above. Where the accident was not your fault and the driver was uninsured, you will
If you are travelling to any of the countries referred to above, you are not not lose your no claims discount.
required to carry a printed International Motor Insurance Card (Green Card).
Legal evidence of your cover is shown on the reverse of your Certificate of
Motor Insurance.
13 No claims discount (NCD)
The insurer may agree to extend the cover for more than 90 days as long as: If you do make a claim during the period of insurance, your no claims
The vehicle is registered within the territorial limits; and is used in discount will be reduced at the next renewal date in accordance with the
accordance with Road Traffic Acts; and scale shown in the terms and conditions for your No Claims Discount
Your main permanent home is within the territorial limits; and Your visit Protection.
abroad is only temporary; and If you do make a claim during the period of insurance, your no claim
You request extended cover from us before you leave; and discount will be reduced at the next renewal date in accordance with the
You pay any additional premium we ask for. scale shown in the No claims discount protection section below.
If you want to extend your policy to give the same cover in a country outside Payments made under Section 4 - Glass damage of this policy.
the countries referred to above, you must: Payments made under Emergency treatment (Section 1) of this policy.
Tell us before you leave; and Claims where you were not at fault, as long as the insurer has recovered
If the insurer agrees, pay any additional premium we ask for where all that the insurer has paid from those who were responsible.
applicable. Your no claims discount cannot be transferred to another person or used on
more than one policy at the same time.

18
You should note any change in the level of your no claims discount is no It's important that you check the information you have provided and notify us
guarantee that your premium will not rise. immediately of any changes to these details. Failure to disclose correct and
The following will not affect your no claims discount: complete information to the best of your knowledge may result in increased
premiums, refusal of a claim or not being fully paid, your policy being
cancelled or being made null & void and treated as if it never existed.
14 Cancellation Please refer to Important Customer Information section for further details.

How to cancel your policy Accidents and claims

You must notify us as soon as reasonably possible if you or any driver
You must contact us if you wish to cancel your policy. Our contact details
become aware of any accident or loss involving the car or of any other
are on the reverse of your Certificate of Motor Insurance.
incident which may lead to a claim by you or by a third party.
We will cancel your policy either from the date you contact us, or from any
If you or any driver receive any notice of prosecution, inquest or fatal
later date you ask us to. The policy cannot be cancelled from an earlier date.
accident enquiry or you or any driver are sent a claim form from a court or a
If you are paying your premiums by instalments, you must still pay us any letter, you or any driver must send it to us, unanswered, as soon as
balance of premium due. Cancelling any direct debit instruction does not reasonably possible.
mean you have cancelled the policy. You will still need to follow the
You must ensure that the police are notified within 48 hours of you or any
instructions above.
driver becoming aware of any incident involving theft, attempted theft, or
In the event of cancellation, a fee shown in the Important Information about malicious damage and a crime reference number is obtained.
Our Insurance Intermediary Services document will apply. You or anyone who drives the car must not admit liability for, offer, negotiate
Cancellation by you within the first 14 days or seek settlement of any claim without our written permission.
If you cancel your policy within 14 days of the date you receive your policy You or anyone who drives the car must take reasonable steps to minimise
documents we will refund a percentage of the premium calculated on a daily the loss if an incident which gives rise to a claim occurs.
pro rata basis equivalent to the period of cover left unused, providing no The insurers are entitled under this policy to;
claims have been made. If a claim has been made, or there has been an Take over and conduct the defence and settlement of any claim in your
incident which may lead to a claim, no refund of premium will be given and all name or in the name of any other person insured by your policy.
premiums would be due. Instigate proceedings at their own expense and for their own benefit but
Cancellation by you after the first 14 days in your name or in the name of any other person insured by your policy
to recover any payment that they have made under your policy.
If you cancel this policy after the 14-day period we will refund a percentage
Recover from you the amount of any claim that they are required to settle
of the premium calculated on a daily pro rata basis equivalent to the period of
by law which the insurer would not otherwise have paid under this
cover left unused, providing no claims have been made. If a claim has been
policy.
made, or there has been an incident which may lead to a claim, no refund of
premium will be given and all premiums would be due. Pay the legal owner of the car in the event of a loss.
Require proof of ownership and value of the insured property in the event
Where we cancel your policy of a loss.
We may cancel your policy if there are serious grounds to do so such as You or any person who makes a claim under your policy must give the
non-payment, failure to supply requested validation documentation (proof of insurer all reasonable assistance and information in relation to any claim
No Claims Discount, Security, copy Driving Licences etc) you have provided made under your policy.
us with incorrect information and you have failed to provide a remedy when
requested or you behave in a threatening, abusive or inappropriate manner Fraud
towards our staff, our representatives or providers. Where we cancel we will You must not act in a fraudulent manner. You, any authorised driver, or any
provide seven days' prior written notice to your last known address unless person acting for you must not make false or exaggerated claims. If you,
we are required to cancel earlier. If we cancel your policy we will refund a any authorised driver, or anyone acting for you makes a claim knowing any
percentage of the premium calculated on a daily pro rata basis equivalent to part of it to be false or exaggerated, the insurer will not pay the claim and we
the period of cover left unused, providing no claims have been made. If a will cancel your policy. The insurer shall be entitled to recover from you the
claim has been made, or there has been an incident which may lead to a amount of any claim already paid under the policy during the period of
claim, no refund of premium will be given and all premiums would be due. insurance.
If we cancel your policy on the grounds of fraudulent activity, we will keep
If we cancel your policy on the grounds of fraud, cancellation may be any premium you have paid and may inform the police of the circumstances.
immediate and we may keep any premium you have paid. We may also
inform the police of the circumstances. Other insurances
If at the time of any incident which results in a claim under your policy there
is any other insurance in force covering the same liability, loss or damage,
16 General policy conditions the insurer will only pay their share of the claim. The share to be paid by the
insurer and any other insurer will be determined either by the appropriate
The insurer will only give you the cover described in this policy document court or by agreement between the insurer and the other insurer involved.
provided that you and all other drivers comply with the conditions set out This provision will not place any obligation upon us to accept any liability
below and that the information that you gave us regarding the car and all under Section 1 which the insurer would otherwise be entitled to exclude
insured drivers is true and complete as far as you know. under Exceptions to Section 1.
Taking care of your car
You and all other drivers must ensure that:
The car is kept in a roadworthy condition.
The car has a current MOT certificate if applicable.
15 General policy exclusions
All reasonable steps are taken to ensure the car has been protected You are not covered under your policy for any of the following;
against loss or damage.
The insurer may examine the car at any time.
Contracts
Any claim as a result of an agreement or contract unless it is one the insurer
Your duty to provide accurate information would have been liable for anyway.
You must have answered truthfully all questions relating to your details;
those of the car and of all named drivers on your policy that we asked when
Who uses the car
your policy started. You must also have truthfully agreed to all statements Any injury, loss or damage which takes place while the car is being:
that we listed in the Statement of Insurance relating to your policy when it Driven by or in the charge of any person not covered by your Certificate
started. of Motor Insurance; or
You must notify us as soon as reasonably possible if any of your details Used other than for the purposes allowed on your Certificate of Motor
change. Insurance; or

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
19
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
 Driven by or in the charge of any person who does not hold or comply with If you have a complaint about our service or the administration of your
the conditions of a valid licence to drive such a vehicle in the country policy, please contact us in the first instance by phoning customer services
within which the incident occurred. on 0808 196 1548. We will aim to resolve your complaint over the phone
This exception does not apply if the car is; within 24 hours.
Being serviced or repaired by a member of the motor trade. If your complaint is not resolved to your satisfaction within 24 hours we will
Stolen or being taken away without your permission; or send you a written acknowledgment of your complaint together with the next
steps we will be taking to resolve it. If you prefer to put your complaint in
Being parked by an employee of a hotel or restaurant as part of a
writing please send it to The Customer Relations Manager, Geoffrey
car-parking service.
Insurance, Fusion House, Bretton Way, Peterborough, PE3 8BG.
Alcohol and Drugs Next steps
The Insurer will not provide any cover under this insurance (other than that
If after eight weeks of making your complaint we are still not in a position to
required by the road traffic acts), if an accident occurs whilst you or any
issue you with a final response we will send you a letter explaining the
other insured person whilst driving;
reason for the delay and advising you of your right to complain to the
is found to be over the lawful limit for driving with alcohol Financial Ombudsman Service.
is driving whilst unfit through alcohol or drugs, whether prescribed or If we cannot resolve your complaint, you may refer your complaint to the
otherwise Financial Ombudsman Service within six months of receiving our final
fails to provide a sample of blood, urine or breath when required to do so, response letter.
without a lawful reason. The address is Financial Ombudsman Service, Exchange Tower, London,
In addition the insurer will recover from you or the driver all sums paid E14 9SR. The website address is www.financial-ombudsman.org.uk and their
(including legal costs) whether in settlement or under a judgement of any telephone numbers are 0800 023 4567 from a landline and 0300 123 9123
claim arising from an accident including damage to your car and any third from a mobile.
party claim. Following the complaints procedure does not affect your right to take legal
Track days and off road events action.
Any liability, loss or damage resulting from the use of the car at any event
during which the car may be driven on a motor racing track, airfield or at an
off road event.
Use on airfields
G Data protection notice
The insurer will not pay claims arising directly or indirectly from any car being Who is processing your data?
in a place used for the take-off, landing, parking or movement of aircraft, We arrange and administer Geoffrey car insurance and we are one of the
including the associated service roads, refuelling areas, ground equipment data controllers of the personal data that you provide and/or that we collect
parking areas and the parts of passenger terminals of international airports from you. This means we are one of the companies responsible for deciding
which come with the Customs examination area or any part of airport how your data is processed.
premises to which the public does not have access to drive their vehicle.
Pollution BISL Limited is part of the BGL Group of Companies and provides products
and services under various brands. If you want to know more about the BGL
Any accident, injury, damage, loss or liability caused by pollution or
Group of Companies and the brands that BISL operates you can find out
contamination, unless the pollution or contamination is caused by a sudden,
more at www.bglgroup.co.uk
identifiable, unexpected and accidental incident which happens during the
period of insurance. Car Insurance
Earthquake We will share data relating to your quote or policy with Markerstudy Direct
Any loss or damage caused by earthquakes and the result of earthquakes. Limited (who trade as Geoffrey Insurance Services) and Markerstudy
Insurance Services Limited (who are the managing agent for West Bay
Pressure waves Insurance plc) the underwriter of your policy. Markerstudy Direct Limited and
Any loss or damage caused by pressure waves from aircraft or aerial devices Markerstudy Insurance Services are both part of theMarkerstudy Group of
travelling at sonic or supersonic speeds. Companies. They will use this data to allow them to consider your
application for insurance and to allow them to deal with any claims you make
Riot on your insurance policy. They will be a data controller in relation to the data
Any loss or damage caused by riot, civil commotion occurring outside Great they receive from us and any additional data they may collect about you
Britain, the Isle of Man or the Channel Islands. This exception does not apply when dealing with a claim. This means that they are in charge of how they
to Section 1 - Liability to others. handle your data and we are not responsible for this. You can read further
information about how they process your data by reading their Privacy
Radioactivity Policies at at www.geoffreyinsurance.com and www.markerstudy.com.
Any loss or damage caused by, contributed to or arising from; When you choose to add an additional product to your insurance policy,
Ionising radiation or radioactive contamination from any fuel or waste; or such as breakdown cover, we will also need to share your data with the
The radioactive, toxic, explosive or other hazardous properties of any supplier of the additional product to allow it to be provided.
explosive nuclear assembly or nuclear component or of any nuclear fuel
or any nuclear waste. You can find further information in the terms and conditions for each
additional product.
Terrorism If you pay for your policy by monthly instalments you will be taking out a
Any loss or damage including accidental damage caused by or arising from credit agreement. Your credit arrangement will be provided by BFSL Limited,
terrorism unless the insurer has to provide cover under any Road Traffic which is part of the BGL Group of Companies and which provides credit
Acts. arrangements on our behalf. Data relevant to your credit agreement will be
shared with BFSL Limited. BFSL Limited will also be a data controller of this
War data and will be responsible for how that data is processed.
Any loss or damage caused directly or indirectly by war, invasion, act of
enemy hostilities (whether war is declared or not), civil war, rebellion, Where do we get the data from?
revolution, insurrection or military or usurped power other than to meet the From you
requirements of the Road Traffic Acts.
Most of the data that we process will be data that we collect from you
directly when you request a quote. We will ask you various questions to
collect the data we need for the purpose of your policy. We will not be able
to provide a quote unless you answer the mandatory questions.

F Complaints procedure From the Markerstudy Group of Companies

If you have previously held any products or services with the Markerstudy
We aim to provide a high level of service to all our customers but Group of Companies then we may carry out checks against data that they
occasionally things can go wrong, when this happens we will do everything already hold on you. This includes data that may be needed to apply any
we can to put things right. discounts or offers that you may be entitled to from time to time as an
Complaints procedure existing customer,for fraud prevention, research and analysis and to help us
assess your application for insurance. We may do this when you
20
request a quote, when changes are made to your policy or when your record with us. Credit Reference Agencies share information with
policy is due for renewal. other organisations, enabling applications for financial products to be
assessed or to assist the tracing of debtors, or to prevent fraud. We
may ask Credit Reference Agencies to provide a credit scoring
From your use of our website and services computation. Credit scoring uses a number of factors to work out risks
We also collect data about you based on your actions, for example we involved in any application. A score is given to each factor and a total
collect data about how and when you use our websites, or our services so score obtained and this together with other factors will be used to
that we can build up a picture of you as a customer. This can include assess your application for a quote or a policy.
information such as how many quotes you have obtained for insurance from
us, mouse clicks/taps, mouse movements, page scrolling and text entered The credit reference agencies will keep a record of the search and you may
into forms. This helps us to provide you with a good service and to design see this recorded on your credit file whether or not you proceed with your
improvements to our products and services (including changes to our quote. If you decide to take out a credit agreement, the search and details of
website) but is also used to help us to prevent and detect fraud. your payment history with the credit provider will also be visible to other
lenders. You can find out further information about how the Credit Reference
If you contact us electronically, we may collect your electronic identifier e.g. Agencies collect and use personal data at www.callcredit.co.uk/crain which
Internet Protocol (IP) address or telephone number supplied by your service also provides you with details of how to contact the Credit Reference
provider. This information may be used by us and/or shared with and used by Agencies if you want to check the information they hold about you.
insurers to aid in the detection of fraud.
Claims and Underwriting Exchange and Other Registers and Databases
If we speak to you on the telephone we may record the telephone call. We We, the insurer and/or the re-insurer exchange information with various
do this so that we have an accurate record of your conversation with us. We databases and registers to help us check information provided, to detect and
also use this data for monitoring and quality control purposes and may use it prevent crime or fraud and to obtain information about your no claims history.
for training purposes. These may include the Claims and Underwriting Exchange Register, the
Hunter Database, the Motor Insurance Anti-Fraud and Theft Register, the No
From price comparison sites Claims History Database and any other relevant industry databases or
If you have been directed to us from a price comparison site then the price registers. Under the conditions of your policy, you must tell us about any
comparison site will have provided us with data that you entered in order to incident (such as an accident or theft) which may give rise to a claim whether
allow us to provide you with a quote. or not a claim is made. When you tell us about an incident, we or the insurer
When you purchase one of our policies through a price comparison site we will pass this information to the registers and any other relevant registers.
will need to share some information with the price comparison site, for Motor Insurance Database
example, information relating to whether the policy has been purchased or Information relating to your insurance policy will be added to the Motor
the status of the policy. We will also exchange information that is necessary Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB").
to help resolve any queries or complaints. MID and the data stored on it may be used by certain statutory and/or
authorised bodies including the Police, the DVLA, the DVLANI, the Insurance
Our service providers Fraud Bureau and other bodies permitted by law for purposes not limited to
We or our insurers will sometimes use third parties to process personal but including:-
information on our behalf. Where third parties process your personal
information on our behalf, we will have a contract in place with them placing i. Electronic Licensing
obligations on them to keep your data secure and only use it for the ii. Continuous Insurance Enforcement
purposes that we authorise. iii. Law enforcement (prevention, detection, apprehension and/or prosecution
of offenders)
The third parties that we use may include, for example, IT service providers, iv. The provision of government services and/or other services aimed at
market research agencies and debt collection agencies or tracing agents reducing the level and incidence of uninsured driving.
appointed by us.
If you are involved in a road traffic accident (either in the UK, the EEA or
From other companies certain other territories), insurers and/or the MIB may search the MID to
As part of considering your quote, administering (including amending or obtain relevant information.
renewing) your policy or dealing with any claims on your policy, we, our
insurers and/or our credit providers will exchange information about you Persons (including his or her appointed representatives) pursuing a claim in
with other companies and/or carry out checks with various databases, which respect of a road traffic accident (including citizens of other countries) may
is standard practice in the insurance industry. We have set out below some of also obtain relevant information which is held on the MID. It is vital that the
the common databases that may be checked. MID holds your correct registration number. If it is incorrectly shown on the
MID you are at risk of having your vehicle seized by the Police. You can
DVLA check that your correct registration number details are shown on the MID at
If you provide your, or any named driver's, driving licence number this will be www.askMID.com
passed to the DVLA, either by us or the insurers we work with, in order for a
search to be carried out to confirm your (or any named driver's) licence Existing Data
status, entitlement and relevant restriction information and We will check our existing records to see if you have held a policy or obtained
endorsement/conviction data. a quote with us, or any of the brands BISL Limited administer, before. We will
also share personal data with our other brands, Group Companies and
Undertaking searches using your driving licence number helps insurers insurers for these purposes. The credit providers we work with (as described
check information to prevent fraud and ensure policy premiums are fair. in the "Who is processing your data? " section above) will also carry out
checks against data that they hold on you if you have held a credit agreement
A search with the DVLA will not show on your (or your named driver's) with them or applied for credit with them before.
driving licence record.
Checking and comparing this data helps us to assess your quote (including
For details relating to information held about you by the DVLA, please visit at renewal). This data will also be used for research and analysis in
www.dvla.gov.uk accordance with the section headed "What do we use your data for?" below.
Credit searches Publicly available sources
We and/or our insurers or credit provider(s) will carry out checks with credit We or our insurers use some open sources of data which are not personal
reference agencies, including- data (such as information about particular geographic areas) and combine
checks against publicly available information such as the Electoral this with the personal data that we hold about you (such as your own
Register, County Court Judgments, bankruptcy or repossession address) in order to assess insurance risk and provide you with an accurate
information; quote.

checks against data relating to your credit history. If you enter into a Providing data about other people
credit agreement to pay for your policy, we may also pass to Credit We will sometimes need you to provide us with data about other people, for
Reference Agencies information we hold about you and your payment example where another person is being added to the policy as a

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
21
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
named driver. Where you give us data about someone else, you must make insurance. This may result in others refusing to provide services, financing or
sure that you have made that person aware of this Privacy Policy. If we ask employment to you.
you to confirm your consent to certain data being processed, you are giving
consent for your data and any relevant data relating to the other person to be Fraud prevention agencies can hold your personal data for different periods
your of time, and if you are considered to pose a fraud or money laundering risk,
data about anyone else named on the policy or whose data you provide us your data can be held by them for up to six years.
with. In relation to personal data used for the purposes described in this Part 2, we
process this data because we have a legitimate business interest in carrying
What do we use your data for? out these activities to protect against fraud and because there is a substantial
The data that we hold is used for the following purposes:- public interest in preventing and detecting crime including fraud.
Part 1 - Providing you with a quote and administering Part 3 - Other Uses of Data
your policy Marketing
The personal data that we use for the purposes set out in this Part includes When you request your quote you will be given an opportunity to confirm
information you provide during your quote, information about previous or whether you are happy to receive marketing material from us. If you confirm
existing policies held by us or our insurers, identification information, you are happy to receive this material, we will use your postal address, email
information from credit reference agencies, your policy and payment history address and telephone number to send you marketing materials by post,
and behavioural information that we gather from your use of our website and email, telephone call or SMS. We do not pass your data to third parties for
how you manage your policy. marketing purposes.
Providing you with a service You can change your mind at any time by logging into your Self Service
As you would expect, this data is used to provide you with the service you Centre and updating your preferences. You can also unsubscribe from
have requested, for example a quote or an insurance policy. When you take emails by clicking on the unsubscribe link on any marketing emails that we
out a policy, we will continue to use your data to provide you with annual send you or by contacting us.
renewal quotes and where we can we will use the data to automatically
renew your policy and continue to provide you with insurance cover. If you This will not impact any communications that we need to send you for the
would prefer that we don't use your data to automatically renew your policy purpose of your policy, for example communications about your renewal,
then you can opt out of the automatic renewal process by contacting us. This updates about your policy or information about any quotes we've provided
means we will still use your data to generate a renewal quote but your to you.
policy will not renew unless you tell us that you would like to accept the We use the data we hold to help us understand our customer demographic,
renewal quote. You can find more information about this in your policy to help us improve the services that we provide to you and to help us target
documents. our advertising and marketing so that we show customers adverts or
Credit agreements and payments marketing which may be more relevant to them. We may sometimes work
Both we and the credit provider use this data (including data held in relation with carefully selected third parties to do this for example using advertising
to our other brands) to help us build up a picture of you as a customer. This services provided by organisations such as Google and Facebook and may
allows us to carry out more accurate assessments of you as a customer when share data with them to carry out this research and analysis, however will not
you apply for products with us, including creditworthiness assessments. It sell your data to third parties for them to market to you.
helps us to provide you with more relevant information such as making sure Market Research
we show you the right content at the right time. We also use this information From time to time we may want to use your postal address, email address
to help calculate your future quotes. This information will also be shared with and/or telephone number to contact you to assist us with our research by
our insurers for these purposes. asking you a few questions about the service you have received or by asking
Data will also be used by us or your credit provider (if applicable) to if you would like to complete a review of our services. We may sometimes
administer any payments due under your policy and this will include (where ask market research companies to contact you on our behalf.
necessary) sharing data relating to your payments with credit reference If you would prefer us not to contact you for market research purposes then
agencies, debt collection agencies or any financial organisations such as you can let us know by contacting us.
banks or payment providers for purposes connected with payment
processing, refunds, funding or associated services. If you have taken out Research and Analysis Activities
credit you can find further information within the credit agreement. We use data relating to your quotes or your policy, including your claims
history, to carry out various research and analysis activities to help us to
Additional information about your circumstances regularly review and improve the products and services we provide and carry
If you let us know that you have any accessibility requirements or any out research relating to underwriting, claims and pricing. We also share this
circumstances which may impact the service we provide to you, we will keep data with our insurers to enable them to use this data for these purposes.
a record of the information you provide so that we can provide an appropriate Where possible, data will be shared on an anonymised basis. The data will
service to you for example if you tell us that you need documents in an not be used to make any decisions that will affect you or any other individual.
alternative format. Where we can, and if we feel it is appropriate, we may also
pass this information to our suppliers or partners to ensure that they can also We also use the data that we collect about you through your website usage
provide an appropriate service to you. to carry out research and analysis into usage and activities on our website to
enable us to continue to improve our website and our products and services.
Data protection law says that we have to tell you the legal basis on which we In relation to personal data used for the purposes described in this Part 3, we
process your personal data. process this data because we have a legitimate business interest in carrying
In relation to personal data used for the purposes described in this Part 1, we out these activities to promote and improve our business. We have ensured
process this data because it is necessary to perform the contract that we appropriate safeguards to protect your rights when processing this data for
have in place with you to provide you with the quote or the policy that you these purposes.
have requested.
Part 4 - Special Personal Data and Criminal
Part 2 - Fraud Prevention Convictions
In order to prevent and detect fraud we, the credit provider and/or the In order to provide your quote and administer your policy we may ask you
insurer or the re-insurer may use the personal data set out above at any time to provide data which data protection law classifies as "special personal
to undertake searches to prevent fraud and money-laundering and to verify data". This includes information about your health (such as any medical
your identity. This will include checking or sharing your details with credit conditions) or information relating to criminal convictions or alleged or actual
reference agencies and fraud prevention agencies. criminal offences.
If false or inaccurate information is provided or if we or a fraud prevention Where we collect special personal data and criminal conviction or offence
agency determine that you pose a fraud or money laundering risk, we may data to provide you with your quote and your policy, we process this data
refuse to provide the services and/or financing you have requested and we because it is in the substantial public interest to do so for the purposes of
may stop providing existing services to you. advising on, arranging, underwriting or administering an insurance contract.
A record of any fraud or money laundering risk will be retained by the fraud It may also be necessary for us to retain a copy of any special personal data
prevention agencies and which may be checked by other organisations for and criminal conviction or offence data for the purpose of making or
example when: checking details on applications for credit and credit related defending claims or preventing or detecting crime, including fraud.
or other facilities; managing credit and credit related credit accounts or
facilities; recovering debt and tracing beneficiaries; checking details on How long do we keep data?
applications for new products and dealing with claims for all types of We'll only keep your personal data as long as we need it and
22
ensure it is securely destroyed when it is no longer required. We do however provided to us, which we have processed electronically, such as data
need to keep certain data after your policy has ended for certain periods as you entered on our website when you obtained a quote.
detailed below.
You also have the right to ask us to delete personal data that we hold
Generally, if you take out a policy with us, you can expect us to keep your about you. We are obliged to delete personal data in some
data for a period of 10 years following the end of your policy unless there is circumstances, such as where it is no longer needed. However, data
a requirement for us to keep the data for longer, for example if there are any protection laws allow us to keep the personal data if we need to, for
ongoing queries or claims relating to the policy. example if the data is needed to allow us to administer your policy or
if the data is needed for fraud prevention. In any case, we will retain
We keep data for these periods as it plays an important part in allowing us to your personal data in line with the retention periods detailed under
undertake fraud detection and prevention activities, allows us to deal with any "How long do we keep data?" above.
queries or complaints that may arise regarding the quote and allows us to
carry out research and analysis to help us improve our products and services You have the right to ask us not to do anything with your personal
(as described in the section headed "What do we use your data for?"). data except store it in limited circumstances, such as if you and we do
not agree on the accuracy of personal data and steps are required to
Overseas Transfer of Data validate it.
We may use third party suppliers to process personal data about you. Some
of these suppliers may be located in countries outside the UK which may not You have the right to object to us processing certain personal data
have equivalent laws in place to protect your personal data. For example, we about you. For example, you can ask us to stop processing data for
use third party software suppliers to process data such as your IP address marketing or market research purposes. However, where we need to
and email address. Our insurers may also process personal data in continue to process the personal data, for example to administer your
countries outside the UK which may not have equivalent laws in place to policy or for fraud prevention purposes, we are not obliged to stop
protect your personal data. Our insurers are data controllers in respect of processing it.
any such processing. You have the right to ask to review significant decisions that we have
Whenever we do use third party suppliers to process personal data about made about you wholly by automated means. The nature of the
you outside the UK we will ensure that your personal data is kept securely, is quotes that we provide to you means that we have to use this kind of
only used for the purposes set out in this Privacy Policy and is afforded automated decision making in relation to your personal data (including
equivalent protection as it would be if it were processed in the UK. We do this special categories of personal data) to assess your quotes. This
through various mechanisms, for example making sure that approved means that our computers will consider lots of different pieces of
contractual clauses are in place with the supplier. If you would like any further information about you and about the policy you have requested (such
information please contact us as information about your vehicle) in order to calculate whether or not
we are able to offer you a quote, at what price this should be and
whether we can offer you a credit agreement to pay for your premium.
Automated decision making will be used when you request a quote,
Your Rights when we are considering whether we can offer you a renewal quote
Data protection law gives you various rights in relation to your personal data. and also if any changes are made to your policy.We may also use
All the rights set out below can be exercised by contacting us using the automated decision making to decide if you pose a fraud or money
contact details set out under the "Contacting us" section below. Those rights laundering risk. If you ask us to review the decision, we will make sure
include:- that it is examined by a human and we will confirm the outcome to
you. This does not necessarily mean that the decision will be
You have the right to ask us to provide a copy of the personal data changed.
that we hold about you. This is called a Data Subject Access Request
or "DSAR".
Contacting us about data
You can access information about your policy and your policy documents
If you would like to contact us about any of your data rights set out under
by logging into your Self Service Centre. If you want to receive other
"Your Rights" above, then please contact [email protected] or
personal data that BISL Limited holds then please contact us using the
write to Data Requests, BGL Customer Services, Fusion House, Bretton
contact details below. When contacting us please describe the information
Way, Bretton, Peterborough PE3 8BG. You can use these details to contact
you require and include the following: your full name, your date of birth,
BISL Limited, BFSL Limited or ACM ULR Limited which are all part of the
your full address and your quote/policy number. For security purposes we
BGL Group of Companies.
may need to ask you for further information to verify your identity. If you
require information sending to different contact details to those held on your
policy please include a copy of your passport or driving licence and proof of If you have any other queries or concerns about this Privacy Policy, or if you
address such as a recent utility bill to assist us in verifying your identity. We would like to contact the Data Protection Officer,for BISL Limited, BFSL
might also need to ask you for additional information to help us locate the Limited or ACM ULR Limited, you can email [email protected] or write to
data that you are looking for. the Data Protection Officer at Pegasus House, Bakewell Road, Orton
Southgate, Peterborough, PE2 6YS. Please make sure you include details of
Once we have all the information that we need to process your DSAR, we the product and brand that you are contacting the Data Protection Officer
will respond within one month unless your DSAR is very large or complex, in about in your email or letter.
which case we may need to extend this period. If we need to do this we will
let you know.
If you would like to contact the Data Protection Officer for Geoffrey, then
If you want to make a DSAR in relation to personal data that is held by the please contact: [email protected].
insurer of your policy then you will need to contact the insurer directly. You
can find their details in your policy documents. Information Commissioner's Office
If you want to make a DSAR in relation to personal data that is held by If you have a complaint regarding how your personal data has been
Geoffrey then you will need to contact them directly at processed by us then please contact us first using our complaints procedure
[email protected] set out in your policy documents.

You have the right to ask us to correct inaccurate personal data that You also have the right to complain to the Information Commissioner's Office,
we hold about you. If you think any of your personal data is which regulates data protection compliance. You can find more information
inaccurate, please contact us and, provided we can verify your by visiting their website www.ico.org.uk
identity and are satisfied as to the accuracy of the correction
requested, we will correct the relevant personal data as soon as we
can.
You have the right to request that we provide a copy of your personal
data in a machine readable format or to ask us to send your personal
data to another company. This applies to personal data that you have
Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
23
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS.
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
24
 The service is arranged and administered by BISL Ltd

Arrangement with the Insurer of a no claims discount protection is an additional service (the 'service'), which is intended to provide you with
protection from the Insurer against your no claims discount entitlement falling in the event of a claim. The service is provided by BISL Ltd.
The service is arranged and administered based on the terms of this Agreement. The provision of the service is conditional upon all payments due
in respect of the service and the motor vehicle insurance policy in conjunction with which it was arranged having been made.

1 Definitions
Each of the words or phrases listed below will have the same meanings wherever they appear in bold in this Agreement.

Word Definition
Insurer(s) The Insurance Company or Lloyd's syndicate which covers you and whose name is specified in the Statement of
Insurance, Schedule of Insurance and the Certificate of Motor Insurance.
Motor vehicle Means the motor vehicle insurance policy in conjunction with which this service was arranged.
insurance policy
NCD Means no claims discount.
Territorial limit Great Britain, Northern Ireland, the Isle of Man, The Channel Islands including transit by sea, air or land within and
between these places.
We, Us, Our BISL Limited.
You, Your Means the person, firm or company who has taken out this service.

2 Provision of no claims discount protection No Claims Discount at next renewal date

without NCD Protection
You have purchased NCD protection. This has increased your premium by
£12.21. You have declared a current NCD of 9 years. The tables below show: Number of Years 1 claim in the 2 claims in the 3 claims in the
(i) the average NCD discount awarded to West Bay Insurance plc motor next 12 months next 12 months next 12 months
NCD at this renewal
insurance policyholders last year according to their number of NCD years;
and (ii) what would happen to your NCD years if you were to make one or 9 Years NCD 3 1 0
more claims in the next 12 months with and without this protection.
No claims discount protection does not protect the overall price of your No Claims Discount at next renewal date
insurance policy. The price of your insurance policy may increase with NCD Protection
following an accident even if you were not at fault.
You can only protect your no claims discount as the policyholder and this Number of Years 1 claim in the 2 claims in the 3 claims in the
protection does not apply for any Named Driver No claims discount earned next 12 months next 12 months next 12 months
NCD at this renewal
under this policy.

Number of Years NCD Average NCD Discount in 2021 9 Years NCD 9 9 3

1 year NCD 19% 3 Conditions

2 years NCD 27%
Provided that you have no more than 2 fault claims (where the insurer
3 years NCD 30% has not recovered all that the insurer has paid from those who were
4 years NCD 32% responsible) in any 3 year period, your entitlement to a no claims
discount will be unchanged and your no claims discount will not be
5 years NCD 34% reduced in accordance with the scale shown above at next renewal. If
you make 2 claims in any 3 year period no claims discount protection
6 years NCD 37% will end at next renewal date.
7 years NCD 39% For the third and any subsequent claims your no claims discount will be
reduced in line with the table above. This benefit only applies to your no
8 years NCD 41% claims discount. It does not protect the premium you pay and the
9 years or more NCD 44% insurer may take account of your claims history when calculating your
premium.
No claims discount protection allows you to make one or more claims
before your number of no claims discount years falls. The information 4 Cancellation
below takes into account any claims you may have told us about. Please
see the step-back procedures for details. You may cancel this service at any time by contacting customer services
on the number shown in your motor vehicle insurance policy. We will
refund a percentage of the premium calculated on a daily pro-rata basis
equivalent to the period of cover left unused.
This service will automatically be cancelled in the event that the
underlying motor vehicle insurance policy in connection with which is
it arranged, is cancelled or voided at any time.
If upon investigation we find that you are no longer eligible for this
service, a refund will be provided on a pro-rata basis.

Geoffrey car insurance is arranged and administered by BISL Limited who are authorised and regulated by the Financial Conduct Authority.
Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. 25
Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited registered in England and Wales (No. 3228539) with registered
office 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Markerstudy Direct Limited is an Appointed Representative of
Insurance Factory Limited. Their Financial Services Register numbers are 801751 and 306164.
 5 Communication
All notices and communications from Us or any of our representatives
will be considered to have been sent if despatched to your last known
address.

6 Complaints
Complaints Procedure
We do everything possible to make sure you receive a high standard of
service. If you are not satisfied with the service that you receive, please
contact: The Customer Relations Manager, Geoffrey Insurance, Fusion
House, Bretton Way, Peterborough, PE3 8BG.Telephone: 0808 196
1548. We may need to refer your complaint to the insurer where it
relates to the insurers protection of the No claims discount. If you
remain dissatisfied after receiving the final response you may refer your
case to the Financial Ombudsman Service. Their address is: Financial
Ombudsman Service, Exchange Tower, London, E14 9SR and their
telephone numbers are 0800 023 4567 from a landline and 0300 123
9123 from a mobile. Email: [email protected].

7 Arbitration
In the event of any dispute or difference whatsoever arising out of the
service the matter shall be referred to an arbitrator who shall be a
solicitor or barrister agreed by Us or the insurer (as appropriate) and
you. By making any request to use the service you agree to be party to
any arbitration under this clause whether this service was originally
entered into by you or any other party, whether alone or jointly with any
such other party and whether as claimant or respondent. If an arbitrator
cannot be agreed then the President of The Law Society or the
Chairman of the Bar Counsel or similar legal professional body within the
territorial limits will choose one. The appointment and subsequent
arbitration shall be binding on both parties. Whoever loses the arbitration
must pay all the costs involved. If the decision is not clearly made
against Us or your insurer or you the arbitrator will decide how the
costs are to be shared.

8 Governing law
This agreement shall be governed by and construed in accordance with
English law.

9 Data protection & privacy statements

For details of our data protection and privacy statements please refer to
your motor vehicle insurance policy.

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