Miss ES Marques De Sousa

29 Mount Pleasant Miss Marques De Sousa, thank you for

Halesworth
insuring your Peugeot 2008 with Coop
IP19 8JF
Eco Insurance. Vehicle registration
number MC16CSV.
(IP198JF1TD) You are insured until 27 February 2021.
Your policy number: 131837695-01
24 February 2020 You will need this number if you contact us.

Thank you for insuring your car with Coop Eco Insurance. At no extra cost to you, we will offset 10% of your car's CO2
emissions* by investing in renewable energy, energy efficiency or reforestation projects.
As well as saving you money, you also have the added reassurance of a 24 hour emergency claims line, online
Self Service Centre and 30 days cover for driving in the European Union. You’ll find all the benefits of your cover
listed overleaf.
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...

• Policy Payment Arrangement • Statement of Insurance

• Standard European Consumer Credit Information • Schedule of Insurance
• Fixed Sum Loan Agreement • Motor Policy Wording
If any of the items above are missing or incorrect, please call 0344 412 2101. We do not charge an administration fee
if you change your policy within 14 days of the start of your policy.
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 30 days European Union cover included as standard
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 Vandalism cover included as standard

*Based on an average passenger car with average annual mileage

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
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
0345 999 8888 address. 0800 587 6887
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 like a quote

0344 412 2101 0330 018 3833

Visit us online at www.co-operativeinsurance.co.uk
and register for your Self Service Centre
Policy Payment Arrangement ......................................................... 4
Standard European Consumer Credit Information .............. 5
Fixed Sum Loan Agreement (2 copies) ..................................... 7
Important Information About Our Insurance Intermediary 11
Services .....................................................................................................
Statement of Insurance ...................................................................... 13
Schedule of Insurance ........................................................................ 15
Motor Policy Wording .......................................................................... 17

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
If any details are incorrect please call our Customer Services team on 0344 412 2101. If we don’t hear from you we will continue to
take payments from your account as shown below. Should you wish to change the date of your monthly payments, please visit us at
ecoinsurance.insure-systems.co.uk/SelfServiceCentre and log into your self service centre. Alternatively please call us on the
number above. Please note we require at least 3 working days notice to change your monthly payment date.

The cost of your policy

Total cash price of your policy (All prices include Insurance Premium Tax £1,117.02
(where applicable) at the appropriate rate)

How we have calculated the cost of your policy

Your car insurance £1117.02
Total charge for credit (for paying by instalments) £111.80
Total amount payable £1228.82
Where applicable, Insurance Premium Tax has been included at the appropriate rate.
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
Payments will be collected from the account(s) shown below on or around the following dates: -
Date Amount Date Amount
27-Feb-2020 £93.12 8-Oct-2020 £113.57
8-Apr-2020 £113.57 8-Nov-2020 £113.57
8-May-2020 £113.57 8-Dec-2020 £113.57
8-Jun-2020 £113.57 8-Jan-2021 £113.57
8-Jul-2020 £113.57
8-Aug-2020 £113.57
8-Sep-2020 £113.57
Each monthly payment includes a £11.18 charge for paying monthly. The APR applicable for paying the cost of your policy monthly is
25.5%.

Account details
Account number ****4758
Name of account Miss Es Marques De Sousa
Sort code 08-92-49

Account details
Account number ****4758
Name of account Miss Es Marques De Sousa
Sort code 08-92-49

Refunds
We will pay any refund due to the bank account or credit/debit card we hold on file. The minimum amount we will refund is £1. Any
refund less than £1 will not be given.

Direct Debit Guarantee

This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.
If there are any changes to the amount, date or frequency of your Direct Debit BISL Limited will notify you 10 working days in
advance of your account being debited or as otherwise agreed. If you request BISL Limited to collect a payment, confirmation of the
amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by BISL Limited or your bank or building society, you are entitled to a full and
immediate refund of the amount paid from your bank or building society.
If you receive a refund you are not entitled to, you must pay it back when BISL Limited asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required.
Please also notify us.

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
4
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
 PRE-CONTRACT CREDIT INFORMATION

(Standard European Consumer Credit Information)

1. Contact details

Creditor. BFSL Limited (we, us, our)

Address. Pegasus House, Bakewell Road, Orton Southgate, Peterborough,
PE2 6YS
Credit intermediary. BISL Limited (BISL)
Address. Pegasus House, Bakewell Road, Orton Southgate, Peterborough,
PE2 6YS

2. Key features of the credit product

The type of credit. Fixed Sum Credit

The total amount of credit. £1023.90.
This means the amount of credit to be
provided under the proposed credit
agreement or the credit limit.
How and when credit would be provided. When you enter into an insurance policy (the Policy) together with any
related products purchased at the same time (together with the Policy,
the Insurance Transaction), we will advance the amount being financed
under the credit agreement to BISL, who will be responsible for arranging
the Insurance Transaction on your behalf.
The duration of the credit agreement. 12 months from the Policy commencement date.
Repayments. The first instalment due will be £113.57 followed by 9 monthly payments
of £113.57.

The total amount you will have to pay. £1228.82.

This means the amount you have
borrowed plus interest and other costs.
The proposed credit will be linked to the The credit agreement will finance:
supply of specific goods or the provision • The premium payable for the Policy, with the Number 131837695-01
of a service.
Description of goods / services / land (as
applicable).
Cash price. The cash price for:
• The Policy is £1,117.02
Security required. You give us all rights to and interest in all sums payable under the
This is a description of the security to be Insurance Transaction (including refunds).
provided by you in relation to the credit
agreement.

3. Costs of the credit

The rates of interest which apply to the 10.92% per annum, fixed for the term of the credit agreement.
credit agreement.
Annual Percentage Rate of Charge 25.5%
(APR).
This is the total cost expressed as an
annual percentage of the total amount of
credit.
The APR is there to help you compare
different offers.
Related Costs
Any other costs deriving from the credit The advance payment required is £93.12
agreement.
Costs in the case of late payments. If you fail to make a payment we will charge you a fee of £20.

5
 Consequences of missing payments. Missing payments could have significant consequences such as making
obtaining credit more difficult. If you fail to pay what is owed, we may
instruct BISL to cancel your Policy and we may refer your case to a debt
collection agency. Details of any missed payments or defaults may be
shared with credit reference agencies.

4. Other important legal aspects

Right of withdrawal. You have the right to withdraw from this credit agreement without giving
any reason. The withdrawal reason period: (i) begins on the day after you
receive the Agreement; and (ii) ends 14 calendar days later.
Early repayment. You have the right to repay the credit early at any time in full or in part.
We do not charge a fee for repaying the credit early, your outstanding
balance will be calculated at the time of repayment.
Consultation with a Credit Reference If we decide not to proceed with the credit agreement on the basis of
Agency. information obtained from a credit reference agency, we will notify you of
our decision and will inform you that it has been reached on the basis of
such information and of the particulars of the agency.
Right to a draft credit agreement. You have the right, upon request, to obtain a copy of the draft credit
agreement free of charge, unless at the time of the request we are
unwilling to enter into the credit agreement.
The period of time during which the This information is valid from 28 February 2020 until 25 March 2020.
creditor is bound by the pre-contractual
information.

5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor

Registration number. Authorisation Number. 730397
Company Registration No. 2706280
The supervisory authority. The Financial Conduct Authority, 12 Endeavour Square (12ES),
Stratford, London E20 1JN
(b) concerning the credit agreement
The law taken by the creditor as a basis The law of England and Wales.
for the establishment of relations with you
before the conclusion of the credit
agreement.
The law applicable to the credit The credit agreement will be governed by the law of England and Wales
agreement and/or the competent court. and subject to the exclusive jurisdiction of the English courts.
Language to be used in connection with The information and contractual terms relating to the credit agreement
the credit agreement. will be in English. With your consent, we intend to communicate in
English for the duration of the credit agreement.
(c) concerning redress
Access to out-of-court complaint and If you have a complaint, please contact our Customer Services on 0344
redress mechanism. 412 2101. If we do not resolve your complaint to your satisfaction, you
may be able to refer it to the Financial Ombudsman Service. You can find
out more by writing to them at Financial Ombudsman Service, Exchange
Tower, London, E14 9SR or by telephoning 0800 023 4567 from a
landline and 0300 123 9123 from a mobile.
Details are also available at their website:
www.financial-ombudsman.org.uk

6
 Fixed Sum Loan Agreement regulated by the Consumer Credit Act
1974
Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("we" "us" "our")
Customer: Miss ES Marques De Sousa, 29 Mount Pleasant, Halesworth, IP19 8JF ("you" "your")
Credit Intermediary: BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("BISL")
This Agreement is for a fixed sum loan to finance the cost of an insurance Policy (the "Policy") together with any related products purchased at
the same time (together with the Policy, the "Insurance Transaction") and is made on the terms set out below and overleaf. We will advance the
amount being financed under the credit agreement to BISL who will be responsible for arranging the Insurance Transaction on your behalf.

Key Financial Information Customer Notice and Acknowledgement

A. The amount of credit provided under this You should not sign this Agreement unless: you have Security
Agreement is £1023.90, which must be paid by read and understand all the terms and conditions, you 6. You give us all rights to and interest in all sums
10 monthly payments. will be able to afford the monthly payments, you have payable under the Insurance Transaction
B. The advance payment required is £93.12. obtained such legal advice and financial advice as you (including refunds).
C. The total charge for credit is £111.80, which consider appropriate, and then decided that you want
consists wholly of interest. to be legally bound by this Agreement. When we are Credit and Insurance Intermediary
D. The total amount payable under this Agreement considering whether to enter into this Agreement with 7. You were introduced to us by BISL.
is £1228.82. you we will rely upon the information you have given 8. BISL is solely responsible for arranging and
E. The term of this Agreement is 12 months from us about yourself. It is important that all such administering the Insurance Transaction on your
the commencement date of the Policy. information is accurate and complete. behalf. When you enter into an Insurance
F. The first monthly payment is due on 8 April 2020 Transaction, we will advance the amount being
financed under this Agreement to BISL.
001

and further payments are due monthly thereafter

for the following 9 months on the same day of 9. You authorise us to instruct BISL:
each month. (i) to receive any sums advanced under this
G. The first monthly payment due will be £113.57 Agreement on your behalf;
and all further monthly payments will be £113.57. (ii) to cancel the Policy on your behalf following
H. The APR is 25.5%. one or more of the events set out in Clause
In calculating the APR, we have assumed that Signed for and on behalf of BFSL Limited 15;
the Agreement will remain valid for the period Dated the 28 February 2020 (iii) in the event of the cancellation of the Policy,
agreed and you and we will fulfil our obligations howsoever affected, to remit to us any refund
under the terms and by the dates specified. or claim of premium, which we will credit to
I. The interest rate is 10.92% per annum, fixed for the outstanding balance under this
the term of this Agreement. This is a Credit Agreement regulated by the Agreement; and
Interest is calculated and charged on the amount Consumer Credit Act 1974. Sign it only if (iv) to remit to us any refunds of premium and/or
of credit and is applied equally over all the you want to be legally bound by its terms. any claim payments otherwise payable under
monthly payments. the Policy, which we will credit to the
Signature(s) of Borrower(s): outstanding balance under this Agreement.
Other Financial Information
J. This Agreement is to finance: Your Withdrawal Rights
• The premium payable for the Policy, with the 10. You have the right to withdraw from this
number 131837695-01 Date(s) of signature(s): Agreement without giving any reason. The
K. The cash price for: withdrawal reason period:
• The Policy is £1,117.02 (i) begins on the day after you receive the
Agreement; and
Default Charges (ii) ends 14 calendar days later.
L. The following charges shall apply under this Please contact us if you want to withdraw. You
Agreement:
Signing Instructions
can call us on 0344 412 2101 or write to us at:
• If you fail to make a payment, we will charge We enclose two copies of this Agreement. Please sign
Insurance Services, Unit 25 Tresham Road,
you a fee of £20. both copies and return one to us at Insurance
Orton Southgate, Peterborough, PE2 6BU.
Services, Unit 25 Tresham Road, Orton Southgate,
11. If you withdraw from this Agreement before any
Your Right to Repay Early Peterborough, PE2 6BU and keep the other one in a
insurance cover has come into force in respect of
M. You can settle this Agreement in full or in part at safe place.
the Policy no further payment need be made by
any time by contacting us either in writing or Payments you, the Policy will not be issued and a rebate
orally (using the details set out in Clause 10) and 1. You must make all payments due under this will be made by us to you of all sums then paid
paying off the full amount you owe under this Agreement in full and on time. under this Agreement by you.
Agreement or the amount you wish to pay in 2. All monthly payments shall remain payable 12. If you withdraw from this Agreement whilst the
partial settlement (which may be reduced by a regardless of any claim under the Policy. Policy is in force you must repay any credit
rebate). We do not charge a fee for repaying the 3. In the event of a cancellation of the Policy, you provided and any interest accrued on it from the
credit early, your outstanding balance will be must immediately repay the proportion of the date the credit is advanced until the date it is
calculated at the time of repayment. balance outstanding under this Agreement. We repaid. Such repayment should be paid to us
will tell you in writing of the amount due. without delay and no later than 30 calendar days
Missing Payments after you give the withdrawal notice. To arrange
4. We may vary your monthly payments at any time
Missing payments could have significant any necessary payment, please contact us on
to take account of any refund received on the
consequences such as making obtaining credit more 0344 412 2101.
cancellation or any adjustment of the Policy, any
difficult. If you fail to pay what is owed, we may instruct 13. Interest will be calculated at the daily rate of
proceeds received in respect of a settlement of a
BISL to cancel your Policy and we may refer your £0.29.
claim under the Policy, or any other agreed
case to a debt collection agency. Details of any
variation under this Agreement. We will tell you
missed payments or defaults may be shared with Claims
in writing of any changes to your monthly
credit reference agencies. 14. If you make any claims under your Policy then
payments.
the outstanding amount under this Agreement
Unsatisfactory Goods or Services Periodic Statements of Account will become payable, subject to us providing you
If the Insurance Transaction financed by this 5. You are entitled, under Section 77B of the with any necessary notices.
Agreement costs more than £100 but not more than Consumer Credit Act 1974 (the"Act") to receive,
£30,000 and is unsatisfactory, you may have the right on request and free of charge at any time during Default
to sue the insurer or related product provider (as the the term of this Agreement, a statement of 15. If:
case may be), us, or both of us. account showing details of each monthly (i) you fail to make a monthly payment on the
payment owing under this Agreement, the date date it is due to be paid;
on which each monthly payment is due, the (ii) any information provided by you, or on your
amount and conditions relating to its payment, behalf in connection with this Agreement
and a breakdown of each monthly payment and/or the Policy is incorrect;
showing how much comprises capital, interest
and (if applicable) other charges.
7
 (iii) for any reason we do not have a valid pay if necessary) at any time, but this will not
payment method and you have failed to prevent us from enforcing these terms in the
cooperate with us to correct this; future.
(iv) you fail to observe or perform any material 8. Any notice of communication given to you under
provision contained in this Agreement and this Agreement will be sent by post or by email.
you have failed to correct this within a Notice given by post shall be deemed correctly
reasonable time of us requesting you to do served if sent by post to your last known address
so; or and shall be deemed to have been given two
(v) for any reason the security constituted hereby days after it was sent by ordinary post. Notice
is or becomes unenforceable and you have given by email shall be deemed correctly served
failed to cooperate with us to correct this, then if sent to the email address you gave us and
we will assume that you cannot or will not shall be deemed to have been delivered when
comply with the terms and conditions of this sent. We will communicate with you in English
Agreement, and we will be entitled, on or after for the duration of this Agreement.
the date specified in any notice required by 9. This Agreement is governed by the law of
the Act to be served on you, to end this England and Wales and is subject to the
Agreement and/or demand repayment of the exclusive jurisdiction of the English courts.
balance outstanding under this Agreement
and all charges and arrears due (if any) less
any rebate to which you may be entitled
under the Act.
In addition, we will request that the Insurance
Transaction is cancelled. Any rebate of the
premium from that cancellation will be used
by us towards repayment of the balance
outstanding under this Agreement.

Transfer
1. We may assign our rights under this Agreement
to another person. We may also transfer our
responsibility under this Agreement to another
person. This will not take away any of your rights
or responsibilities under this Agreement.
2. You may not transfer any of your rights or
responsibilities under this Agreement to another
person.
3. References in this Agreement to "we", "us" and
"our" refer to BFSL Limited and any persons to
whom our rights have been assigned or to whom
our rights and responsibilities under this
Agreement have passed by assignment or
transfer.

Your Information
4. We will be the data controller of the personal
data that we process about you relating to this
Agreement. In order to to provide this Agreement
to you, we will need to give information about
you and your payment record under this
Agreement to (i) credit reference agencies; (ii)
debt collecting agents; (iii) any third party
servicing company we use to administer this
Agreement; (iv) any actual or proposed
transferee or assignee of this Agreement or party
providing funding in connection with this
Agreement or any other agreement between us,
their insurers and advisers; (v) any financial
organisations for the purposes of payment
processing, refunds, funding and any other
services necessary for the provision of this
Agreement; and (vi) any other party with whom
we consider entering into a contractual
arrangement in relation to this Agreement or any
other agreement with you. In the event of any
potential or actual assignment, transfer,
assumption or securitisation of our rights and/or
obligations under this Agreement or any other
agreement with you, or any other transfer,
assumption or disposal of such rights and/or
obligations, we may pass any information to any
interested person who may use the information
for such purposes and as otherwise described in
this Agreement.

Complaints
5. If you have a complaint about our service which
we cannot resolve, you have a right to ask the
Financial Ombudsman Service to consider the
complaint.
6. Financial Conduct Authority of 12 Endeavour
Square (12ES), Stratford, London E20 1JN is the
supervisory authority under the Act.

Miscellaneous
7. We will not be taken to have waived our rights
under this Agreement if we decide for any reason
not to exercise, or delay in exercising, any of
those rights or we exercise any of those rights
only partially. We may relax the terms of this
Agreement (for example, giving you more time to
8
 Fixed Sum Loan Agreement regulated by the Consumer Credit Act
1974
Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("we" "us" "our")
Customer: Miss ES Marques De Sousa, 29 Mount Pleasant, Halesworth, IP19 8JF ("you" "your")
Credit Intermediary: BISL Limited, Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS ("BISL")
This Agreement is for a fixed sum loan to finance the cost of an insurance Policy (the "Policy") together with any related products purchased at
the same time (together with the Policy, the "Insurance Transaction") and is made on the terms set out below and overleaf. We will advance the
amount being financed under the credit agreement to BISL who will be responsible for arranging the Insurance Transaction on your behalf.

Key Financial Information Customer Notice and Acknowledgement

A. The amount of credit provided under this You should not sign this Agreement unless: you have Security
Agreement is £1023.90, which must be paid by read and understand all the terms and conditions, you 6. You give us all rights to and interest in all sums
10 monthly payments. will be able to afford the monthly payments, you have payable under the Insurance Transaction
B. The advance payment required is £93.12. obtained such legal advice and financial advice as you (including refunds).
C. The total charge for credit is £111.80, which consider appropriate, and then decided that you want
consists wholly of interest. to be legally bound by this Agreement. When we are Credit and Insurance Intermediary
D. The total amount payable under this Agreement considering whether to enter into this Agreement with 7. You were introduced to us by BISL.
is £1228.82. you we will rely upon the information you have given 8. BISL is solely responsible for arranging and
E. The term of this Agreement is 12 months from us about yourself. It is important that all such administering the Insurance Transaction on your
the commencement date of the Policy. information is accurate and complete. behalf. When you enter into an Insurance
F. The first monthly payment is due on 8 April 2020 Transaction, we will advance the amount being
financed under this Agreement to BISL.
001

and further payments are due monthly thereafter

for the following 9 months on the same day of 9. You authorise us to instruct BISL:
each month. (i) to receive any sums advanced under this
G. The first monthly payment due will be £113.57 Agreement on your behalf;
and all further monthly payments will be £113.57. (ii) to cancel the Policy on your behalf following
H. The APR is 25.5%. one or more of the events set out in Clause
In calculating the APR, we have assumed that Signed for and on behalf of BFSL Limited 15;
the Agreement will remain valid for the period Dated the 28 February 2020 (iii) in the event of the cancellation of the Policy,
agreed and you and we will fulfil our obligations howsoever affected, to remit to us any refund
under the terms and by the dates specified. or claim of premium, which we will credit to
I. The interest rate is 10.92% per annum, fixed for the outstanding balance under this
the term of this Agreement. This is a Credit Agreement regulated by the Agreement; and
Interest is calculated and charged on the amount Consumer Credit Act 1974. Sign it only if (iv) to remit to us any refunds of premium and/or
of credit and is applied equally over all the you want to be legally bound by its terms. any claim payments otherwise payable under
monthly payments. the Policy, which we will credit to the
Signature(s) of Borrower(s): outstanding balance under this Agreement.
Other Financial Information
J. This Agreement is to finance: Your Withdrawal Rights
• The premium payable for the Policy, with the 10. You have the right to withdraw from this
number 131837695-01 Date(s) of signature(s): Agreement without giving any reason. The
K. The cash price for: withdrawal reason period:
• The Policy is £1,117.02 (i) begins on the day after you receive the
Agreement; and
Default Charges (ii) ends 14 calendar days later.
L. The following charges shall apply under this Please contact us if you want to withdraw. You
Agreement:
Signing Instructions
can call us on 0344 412 2101 or write to us at:
• If you fail to make a payment, we will charge We enclose two copies of this Agreement. Please sign
Insurance Services, Unit 25 Tresham Road,
you a fee of £20. both copies and return one to us at Insurance
Orton Southgate, Peterborough, PE2 6BU.
Services, Unit 25 Tresham Road, Orton Southgate,
11. If you withdraw from this Agreement before any
Your Right to Repay Early Peterborough, PE2 6BU and keep the other one in a
insurance cover has come into force in respect of
M. You can settle this Agreement in full or in part at safe place.
the Policy no further payment need be made by
any time by contacting us either in writing or Payments you, the Policy will not be issued and a rebate
orally (using the details set out in Clause 10) and 1. You must make all payments due under this will be made by us to you of all sums then paid
paying off the full amount you owe under this Agreement in full and on time. under this Agreement by you.
Agreement or the amount you wish to pay in 2. All monthly payments shall remain payable 12. If you withdraw from this Agreement whilst the
partial settlement (which may be reduced by a regardless of any claim under the Policy. Policy is in force you must repay any credit
rebate). We do not charge a fee for repaying the 3. In the event of a cancellation of the Policy, you provided and any interest accrued on it from the
credit early, your outstanding balance will be must immediately repay the proportion of the date the credit is advanced until the date it is
calculated at the time of repayment. balance outstanding under this Agreement. We repaid. Such repayment should be paid to us
will tell you in writing of the amount due. without delay and no later than 30 calendar days
Missing Payments after you give the withdrawal notice. To arrange
4. We may vary your monthly payments at any time
Missing payments could have significant any necessary payment, please contact us on
to take account of any refund received on the
consequences such as making obtaining credit more 0344 412 2101.
cancellation or any adjustment of the Policy, any
difficult. If you fail to pay what is owed, we may instruct 13. Interest will be calculated at the daily rate of
proceeds received in respect of a settlement of a
BISL to cancel your Policy and we may refer your £0.29.
claim under the Policy, or any other agreed
case to a debt collection agency. Details of any
variation under this Agreement. We will tell you
missed payments or defaults may be shared with Claims
in writing of any changes to your monthly
credit reference agencies. 14. If you make any claims under your Policy then
payments.
the outstanding amount under this Agreement
Unsatisfactory Goods or Services Periodic Statements of Account will become payable, subject to us providing you
If the Insurance Transaction financed by this 5. You are entitled, under Section 77B of the with any necessary notices.
Agreement costs more than £100 but not more than Consumer Credit Act 1974 (the"Act") to receive,
£30,000 and is unsatisfactory, you may have the right on request and free of charge at any time during Default
to sue the insurer or related product provider (as the the term of this Agreement, a statement of 15. If:
case may be), us, or both of us. account showing details of each monthly (i) you fail to make a monthly payment on the
payment owing under this Agreement, the date date it is due to be paid;
on which each monthly payment is due, the (ii) any information provided by you, or on your
amount and conditions relating to its payment, behalf in connection with this Agreement
and a breakdown of each monthly payment and/or the Policy is incorrect;
showing how much comprises capital, interest
and (if applicable) other charges.
9
 (iii) for any reason we do not have a valid pay if necessary) at any time, but this will not
payment method and you have failed to prevent us from enforcing these terms in the
cooperate with us to correct this; future.
(iv) you fail to observe or perform any material 8. Any notice of communication given to you under
provision contained in this Agreement and this Agreement will be sent by post or by email.
you have failed to correct this within a Notice given by post shall be deemed correctly
reasonable time of us requesting you to do served if sent by post to your last known address
so; or and shall be deemed to have been given two
(v) for any reason the security constituted hereby days after it was sent by ordinary post. Notice
is or becomes unenforceable and you have given by email shall be deemed correctly served
failed to cooperate with us to correct this, then if sent to the email address you gave us and
we will assume that you cannot or will not shall be deemed to have been delivered when
comply with the terms and conditions of this sent. We will communicate with you in English
Agreement, and we will be entitled, on or after for the duration of this Agreement.
the date specified in any notice required by 9. This Agreement is governed by the law of
the Act to be served on you, to end this England and Wales and is subject to the
Agreement and/or demand repayment of the exclusive jurisdiction of the English courts.
balance outstanding under this Agreement
and all charges and arrears due (if any) less
any rebate to which you may be entitled
under the Act.
In addition, we will request that the Insurance
Transaction is cancelled. Any rebate of the
premium from that cancellation will be used
by us towards repayment of the balance
outstanding under this Agreement.

Transfer
1. We may assign our rights under this Agreement
to another person. We may also transfer our
responsibility under this Agreement to another
person. This will not take away any of your rights
or responsibilities under this Agreement.
2. You may not transfer any of your rights or
responsibilities under this Agreement to another
person.
3. References in this Agreement to "we", "us" and
"our" refer to BFSL Limited and any persons to
whom our rights have been assigned or to whom
our rights and responsibilities under this
Agreement have passed by assignment or
transfer.

Your Information
4. We will be the data controller of the personal
data that we process about you relating to this
Agreement. In order to to provide this Agreement
to you, we will need to give information about
you and your payment record under this
Agreement to (i) credit reference agencies; (ii)
debt collecting agents; (iii) any third party
servicing company we use to administer this
Agreement; (iv) any actual or proposed
transferee or assignee of this Agreement or party
providing funding in connection with this
Agreement or any other agreement between us,
their insurers and advisers; (v) any financial
organisations for the purposes of payment
processing, refunds, funding and any other
services necessary for the provision of this
Agreement; and (vi) any other party with whom
we consider entering into a contractual
arrangement in relation to this Agreement or any
other agreement with you. In the event of any
potential or actual assignment, transfer,
assumption or securitisation of our rights and/or
obligations under this Agreement or any other
agreement with you, or any other transfer,
assumption or disposal of such rights and/or
obligations, we may pass any information to any
interested person who may use the information
for such purposes and as otherwise described in
this Agreement.

Complaints
5. If you have a complaint about our service which
we cannot resolve, you have a right to ask the
Financial Ombudsman Service to consider the
complaint.
6. Financial Conduct Authority of 12 Endeavour
Square (12ES), Stratford, London E20 1JN is the
supervisory authority under the Act.

Miscellaneous
7. We will not be taken to have waived our rights
under this Agreement if we decide for any reason
not to exercise, or delay in exercising, any of
those rights or we exercise any of those rights
only partially. We may relax the terms of this
Agreement (for example, giving you more time to
10
Important Information about Our Insurance Intermediary Services
Your contract with BISL Limited ('We/Us/Our') loss claim in which case no refund will be given and all premiums will be
due.
BISL Limited is an insurance intermediary and you will enter into two
separate contracts when you take out an insurance policy through Us. Cancellation fee
The first contract is with Us and sets out the terms and conditions under If either you or We cancel more than 14 days after receiving your policy
which We will arrange and administer your insurance policy on your documentation We will charge you a fee of £50 plus the cost for the
behalf and any fee(s) that We shall charge you for providing Our period of cover you have benefitted from.
insurance intermediary services. Use this information to decide if Our This is providing no claims have been made. If a claim has been made,
services are right for you. or there has been an incident which may lead to a claim, no refund will
You will also enter into a separate contract with the insurer for providing be given and all premiums will be due.
your insurance. Details of the premium charged and the terms and If you cancel the additional products taken out with your policy, but not
conditions relevant to the insurance policy are set out in your Welcome the main policy within 14 days of receiving your policy documentation,
Pack. When you purchase additional products or pay for your policy by you will pay for time on cover only. If you cancel the main policy then any
instalments using a fixed sum loan agreement, you will enter into further additional products taken out will also be cancelled.
contracts with each insurer, supplier or credit provider for these services. If upon investigation we find that you are no longer eligible for an add-on
product, a refund will be provided on a pro-rata basis.
Your demands and needs
We have provided you with information on how to cancel your policy in
The policy is designed to meet the demands and needs of customers the cancellation section of your Motor Policy Wording, Section 10. This
who wish to insure their motor vehicle against the risk that they have clearly sets out Our approach to providing you with a refund of premium
selected to cover. For example third party risks only, third party fire and for your time on cover.
theft, or comprehensive cover, as well as any additional services We will pay any refund due to the bank account or credit/debit card We
chosen. hold on file. The minimum amount We will refund is £1, refunds less than
We have not provided advice on whether the policy is suitable for your £1 will not be given.
needs or made any recommendations.
We only offer products from a single insurer or supplier for: Policy amendment fee
All amendments to the policy are subject to a £15 amendment fee.
Car insurance
We have provided you with a list of examples of the things that We need
to know about in the important customer information section of your
What Insurance Intermediary Services will We Motor Policy Wording, Section C.
provide?
Our insurance intermediary services We provide to you on your behalf Failed payment fee
include: If you fail to make a payment We will charge you a fee of £20 as shown
• We will arrange your vehicle insurance with the insurer based on your in the Default Charges section your Fixed Sum Loan Agreement.
requirements, We will deal with your payment and provide you with
the details and documentation relating to your policy. Changes in Terms & Conditions
We are entitled to change any of the fees or terms and conditions of this
• Deal with your requests for adjustments you have to make to your
contract between you and Us, (i) with 30 days notice during the term of
policy, such as changes to the cover required, the use and/or vehicle
insured. We will notify the insurer, deal with any amendments of risk the policy if required by law or regulatory authorities, or (ii) at renewal.
or adjustments of premium required and provide you with
confirmation of any changes to your policy. Automatic renewal
To ensure you continue to be insured after renewal, We reserve the right
• We will also arrange the cancellation of your policy at your request,
to automatically renew your insurance and any additional products you
notify the insurer, deal with any refunds of premium, confirm the
currently have the benefit of. We will contact you before the end of the
changes to your policy and arrange for the return of documents.
policy with Our new offer, explaining what you need to do. We may
• Deal with your requests for any duplicate or replacement automatically renew the policy where We are able to, using the payment
documentation relating to your policy and/or additional products. method that you have provided Us with ****4758 in order to ensure you
• We will arrange optional additional add-on products where you remain continuously covered. Please note, if you don't advise Us that
consider these products meet your needs. 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
• We will provide optional additional intermediary services, such as
be charged a failed payment fee if applicable, please see the 'Failed
arranging No claims discount protection (NCDP) with your insurer. In
payment fee' section above for details. You can ask Us to stop taking
the event NCDP is selected you will be provided with a separate
payments automatically or change your payment method at any time by
contract setting out the terms and conditions upon which it is
contacting Us on: 0344 412 2101.
arranged and administered and priced.
• We will also arrange the renewal of your insurance and additional Compensation
products based on your requirements (see Automatic Renewal We are covered by the Financial Services Compensation Scheme
section). (FSCS). You may be entitled to compensation from the scheme if We
cannot meet Our obligations. This depends on the type of business and
the circumstances of the claim. Insurance advising and arranging is
Our fees and charges for providing Our insurance covered for 90% of the claim, without any upper limit. For compulsory
intermediary services to you classes of insurance, insurance advising and arranging is covered for
We will charge you the following fees where applicable for Our services: 100% of the claim without any upper limit.
Further information about compensation scheme arrangements is
Arrangement fee available from the FSCS website; www.fscs.org.uk, or write to Financial
If either you or We cancel within 14 days of receiving your policy Services Compensation Scheme,10th floor, Beaufort House, 15 St
documentation We will charge you a fee of £35 plus the cost for the Botolph Street, London, EC3A 7QU.
amount of time you have been covered unless you have made a total

11
Who regulates Us
CIS General Insurance Limited, Miller Street, Manchester, M60 0AL is
authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. BISL
Limited is authorised and regulated by the Financial Conduct Authority. 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.

12
Policy Number : 131837695-01 Effective Date : 28 February 2020 Issue Date : 24 February 2020
Important: Please read the following information carefully. Please advise us immediately on 0344 412 2101 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: Miss
Forename(s): Emilia Susana Surname: Marques De Sousa
Full Address: 29 Mount Pleasant, Halesworth Postcode: IP19 8JF
Telephone - Home: 01986 948493 Telephone - Work: 07891 182346
Email Address: [email protected] Homeowner: No

About the vehicle

Make, model and engine size: 2016 Peugeot 2008 Active Puretech 82 1199cc 5dr
Type of body: Hatch Right hand drive: Yes
Registration mark: MC16CSV Fuel type: Petrol
Year of manufacture: 2016 Transmission: Manual
Estimated annual mileage: up to 8000 Where the vehicle is parked overnight: Drive
Estimated vehicle value: Market Value
Date purchased: February 2020 Risk address postcode: IP19 8JF
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: Named drivers

Details of all drivers

Driver 1
Forename(s): Emilia Susana Surname: Marques De Sousa
Date of birth: 05/09/1973 Sex: Female
Marital status: Single Occupation: Housewife Or
Licence type: Full UK Licence - Less Than 9 Years Househusband
Licence date: Jan 2020 Employer's business: Not Applicable
Access to another vehicle: No Regular driver: Yes
Relationship to driver 1: N/A Has any previous insurance been refused, No
voided, cancelled or had special terms
imposed in the last 5 years:
Driver 2
Forename(s): Tadeu Miguel Surname: De Sousa Fialho
Date of birth: 27/08/1994 Sex: Male
Marital status: Single Occupation: Unemployed
Licence type: Full UK Licence - Less Than 9 Years Employer's business: Not Applicable
Licence date: Feb 2016 Regular driver: No
Access to another vehicle: Yes Has any previous insurance been refused, No
Relationship to driver 1: Son 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

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
13
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
 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 only.
Voluntary Excess: £250 Total excess: £400
Glass replacement excess: £75
Glass repair excess: £15
Non-recommended repairer – An excess of £200 in addition to any other applicable excesses.
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: £150
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: Starter
If eligible is protected no claims discount required: No
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,
that we asked when your policy started. You must also have Additional Important Information document and Motor Policy
truthfully agreed to all statements that we listed in the Statement of Wording.
Insurance relating to your policy when it started. You must also No cover is in force until a Cover Note or Certificate of Motor
advise us as soon as possible of all changes to this information. It Insurance has been issued by us.
is an offence under the Road Traffic Act to make any false Your authorised insurer : CIS General Insurance Limited
statement or withhold any information for the purpose of obtaining Address : The Co-operative Insurance
a Certificate of Motor Insurance.
Miller Street
Manchester
M60 0AL
The Insurer is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation
Authority. You can check this on the register by visiting the FCA's website www.fca.org.uk. The Insurers registered number is 435022.

14
Important: This document should be read in conjunction with the Motor Policy Wording and Certificate of Motor Insurance.

Policyholder details
Name: Miss ES Marques De Sousa
Address: 29 Mount Pleasant, Halesworth, IP19 8JF
Policy number: 131837695-01
Start time and date: 00:01 28 February 2020 Expiry time and date: 23:59 27 February 2021
Document issued: 17:03 24 February 2020 Reason for Issue: New business

Vehicle details
Make, model and engine size: 2016 Peugeot 2008 Active Puretech 82 1199cc 5dr
Registration mark: MC16CSV
Car value: Market Value
Estimated annual mileage: up to 8000
Postcode where vehicle is kept: IP19 8JF
Overnight location: Drive
Registered keeper: Miss ES Marques De
Sousa

Cover details
Type of cover: Comprehensive
Use: Use for social, domestic and pleasure purposes only.
Driving restriction: Named Drivers

People insured to drive Miss Emilia Susana Marques De Sousa (Regular Driver)
Mr Tadeu Miguel De Sousa Fialho

Excesses that apply

Voluntary excess: £250
Compulsory excess: £150
Total excess: £400

Glass replacement excess: £75

Glass repair excess: £15
Non-recommended repairer – An excess of £200 in addition to any other applicable excesses.
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: £150

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

Policy underwritten by: CIS General Insurance Registered address: The Co-operative Insurance
Limited Miller Street
Manchester
M60 0AL

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
15
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
16
Coop Eco Insurance
24 hour claims helpline: 0345 999 8888
Please keep this document safe

Definitions ............................................................................................... Section A

Policy cover ........................................................................................... Section B
Important customer information .................................................. Section C
Making a claim ..................................................................................... Section D
Contract of insurance ....................................................................... Section E
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
Travelling abroad ....................................................................... Section 8
No claims discount .................................................................... Section 9
Cancellation ................................................................................. Section 10
General policy exclusions ...................................................... Section 11
General policy conditions ....................................................... Section 12
Complaints procedure ...................................................................... Section F
Data protection notice ...................................................................... Section G

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
17
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
 A Definitions
Certain words appearing in your Motor Policy Wording, Schedule of Insurance or Certificate of Motor 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.
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 excess is 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.

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 or civil partner.

Period of insurance The length of time for which the policy is in force. 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 along with the Additional Important
Information document.
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 we have issued to you. This forms part of the contract of insurance. 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 Co-operative Insurance acting directly or through our authorised agents BISL Limited.

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.

18
 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 & 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 : Travelling abroad

Section 9 : No claims discount

Section 10 : Cancellation

Section 11 : General policy exclusions

Section 12 : General policy conditions

• The car is involved in an accident or fire, or someone steals, damages or

tries to break into it.
C Important customer information • Anyone who drives the car is involved in any accident or has a vehicle
damaged or stolen.
You must tell us straight away if anything changes to the information you • Anyone who drives the car had insurance refused, cancelled or had
provided as per the statement of insurance. The changes include the special conditions applied.
following and if you do not tell us about these changes, this may result in • The car is taken abroad for more than 30 days or outside the European
increased premiums, refusal of a claim or not being fully paid, your policy Union.
being cancelled or being made null & void and treated as if it never existed. Please note that any amendments to your policy may result in a change to
This list is not exhaustive and if you are unsure about whether to tell us your premium and policy terms, including your excess.
about something please call us on 0344 412 2101 to check:
• You sell the car, change the car or its registration number, or you get
another car. D Making a claim
• You change your address.
We must be notified as soon as possible of any accident or loss involving the
• The car is modified or changed in any way from the manufacturer’s
car or any other incidents which may lead to a claim by you or by a third
original specification (including but not limited to: optional fit extras, alloy
party.
wheels, suspension, bodywork, engine, audio, video and satellite
navigation equipment). What to do if you have an accident
• You want to add or remove a driver. In the unfortunate event that you are involved in an accident, please take the
• There is a change in the regular driver of the car. following simple steps;
• There is a change in the purpose the car is used for. • Don’t leave the accident scene.
• There is a change in estimated annual mileage. • Call the police if anyone is injured.
• Anyone who drives the car passes their driving test or has their driving • Obtain the details of all witnesses.
licence revoked. • Note the details of the third party, including name, address, vehicle
• Anyone who drives the car gets a motoring conviction or has a registration number, the name of their insurance company and their policy
prosecution pending (including fixed penalty offences). number.
• Anyone who drives the car changes occupation, starts a new job • Take pictures of the accident scene with your mobile phone.
(including any part-time work) or stops work. • Sketch a rough diagram of the accident scene.
• Anyone who drives the car develops a health condition, which requires • Do not admit liability, seek settlement or offer to negotiate.
notification to the DVLA, or an existing condition worsens. You can find • Report the accident to us as soon as possible on 0345 999 8888.
additional information in the driving and transport section of www.gov.uk
or pick up leaflet D100 from the Post Office.
CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
19
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
What to do if your car is subject to a theft, attempted • The death of or bodily injury to any person caused by an incident involving
the car; and
theft or malicious damage • Damage to someone else's property caused by an incident involving the
• Call the police and obtain a crime reference number. car up to a maximum of £20,000,000 (including all legal and other
• Report the incident to us as soon as possible on 0345 999 8888. expenses) for any one claim or number of claims arising from one cause.
What to do if your car windscreen or window glass is Driving other cars extension
broken or damaged The cover under this section of the policy is extended to the specific driver
• If you have comprehensive cover and your claim is for the car noted in the Certificate of Motor Insurance as having the benefit of this
windscreen, side or rear windows, or the sunroof, please contact our extension when driving other cars not owned by, or registered to, or hired,
claims department on 0800 587 6887. Claims under this section will not rented or leased to the specific driver, their business partner or their
affect your no claims discount. The glass excess shown in the Schedule employer, or is being kept or used in connection with their employer's
of Insurance will be payable. business.
• If you do not have comprehensive cover, you can still call the claims This extended cover only applies if:
department but you will have to pay the cost of the replacement or repair. • This extension is shown on your Certificate of Motor Insurance; and
• There is no other insurance in force that covers the same claim ; and
How to notify us of a claim
• There is a current and valid Certificate of Motor Insurance held for the
To report a claim or for claims enquiries call our claims line on 0345 999 other car in accordance with Road Traffic Acts; and
8888. We will ask you a number of questions over the phone so please make
• The other car has not been seized by, or on behalf of, any government or
sure you have the following information when you call:
public authority; and
• Date, time and description of the incident.
• The driver has the owner's permission to drive the other car; and
• Details of any third party involved including name, address, vehicle
• The other car is registered within the territorial limits; and
registration, the name of their insurance company and their policy
number. • The other car is not being used outside the territorial limits; and
• Name and address of any witnesses. • You still have the car and it has not been stolen and not recovered; or
damaged beyond cost effective repair.
• If the police were in attendance, the incident reference number.
We will usually be able to take all the information to allow us to handle your Legal costs
claim efficiently within one phone call. However we may need to contact you In the event of an accident covered by this section and subject to our prior
again to check certain aspects of your claim or in certain circumstances agreement, we will pay for the following at your request:
require that you complete a claim form. • Solicitors’ fees for representation at any coroner’s inquest, fatal accident
inquiry or magistrates court (including a court of equal status in any
country within the territorial limits).
E Contract of insurance • Legal costs for defending a charge of manslaughter or causing death by
dangerous or careless driving.
This document gives details of your cover and it should be read along with
your Statement of Insurance, Schedule of Insurance, Additional • Any other costs and expenses for which we have given prior agreement.
Important Information document and Certificate of Motor Insurance. If anyone who is covered by this section dies while they are involved in legal
Please take time to read through these documents which contain important action, we will give the same cover as they had to their legal personal
information about the details you have given. You should also show your representatives.
policy to anyone else who is covered under it. Emergency treatment
It's important that you check the information you have provided and notify us We will pay for the cost of any emergency treatment or hospital treatment
immediately of any changes to these details. Failure to disclose correct and which you incur under the UK Road Traffic Acts for injuries arising out of
complete information to the best of your knowledge and belief may result in any accident involving any car which this policy covers. If this is the only
increased premiums, refusal of a claim or not being fully paid, your policy payment made, it will not affect your no claim discount.
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. Towing
In return for your premium, we will provide the cover shown in your policy The cover under this section of the policy is extended to you while any
for accident, injury, loss or damage that happens within the territorial limits vehicle covered by this policy is towing a trailer, trailer caravan or broken
during the period of insurance. down car. The cover will apply as long as:
The parties to this contract are you and The Co-operative Insurance acting • The towing is allowed by law; and
directly or through our authorised agents BISL Limited. Nothing in this • The trailer, trailer caravan or broken down car is attached properly by
contract shall create any rights to third parties under the Contracts (Rights of towing equipment made for this purpose; and
Third Parties) Act 1999 and no variation of this contract, nor any • The trailer, trailer caravan or broken down car is not being towed for hire
supplemental or ancillary agreement, shall create any such rights unless or reward.
expressly so stated. This does not affect any right or remedy of a third party
which exists or is available apart from this Act. Cover for other users of your car
Financial Services Compensation Scheme (FSCS) We will provide the same cover, other than the Driving other cars extension
for liability to third parties to:
If we cannot meet our liabilities, you may be entitled to compensation from
the Financial Services Compensation Scheme. Claims for compulsory • Anyone travelling in, or getting into or out of the car.
insurance, such as third party motor insurance, are covered in full. • Any person using the car, with your permission, to tow any single trailer,
Any claims made to the Financial Services Compensation Scheme for trailer-caravan or broken down car while it is attached to the car and if
non-compulsory (optional) insurance, such as damage to the insured car, and allowed by law, provided it is not being towed for hire or reward.
for any unused premium, are covered up to 90% of the value of the claim • Anyone driving the car with your permission, as long as your Certificate
submitted. You can get more information from the Financial Services of Motor Insurance shows that they are allowed to drive the car. The
Compensation Scheme at www.fscs.org.uk or by calling 0800 678 1100. person driving must not be excluded by any endorsement, exception or
condition.
The law applicable to this policy • Anyone using (but not driving) the car with your permission for social
English Law will apply to this contract of insurance unless agreed otherwise. domestic and pleasure purposes.
We will provide the terms and conditions of this policy for the period of • The employer or business partner of you or your partner (if covered
insurance, and any subsequent communication between us, whether verbal under this policy) should they become legally liable as a result of the use
or written in the English language. of the car by you or your partner in the course of their business or
employment, providing that such use is covered by the Certificate of
Motor Insurance. This does not apply if :
o The car belongs to or is hired by such employer or business partner.
o The insured is a corporate body or firm.
1 Liability to others
What is not covered under section 1
What is covered under this section We will not pay for;
We will pay amounts including claimant’s costs that you are legally liable to • Any amount we have not agreed to in writing.
pay for: • Any loss of or damage to property which belongs to, or is in the
charge of, any person who is claiming cover under this policy.
20
• Any loss of or damage to any vehicle, trailer, trailer caravan or disabled and anyone else who has an interest in the car agrees.
vehicle covered by this policy If a replacement car of the same make, model and specification is not
• Any liability for death or injury to any employee in the course of their available, we will, where possible, provide a similar car of identical list price.
employment by anyone insured by this policy if the employer is covered If this is not acceptable to you, we will not pay more than the market value of
by an employer's liability policy except as required by any compulsory the car at the time of the loss.
Road Traffic Acts.
• Death or injury to any person being carried in or on or getting in or out of Car audio, navigation and entertainment equipment
the trailer or trailer caravan you tow. We will also cover the cost of replacing or repairing the car’s audio,
• Any liability incurred while the trailer, trailer caravan or broken down car navigation and entertainment equipment up to the following amounts:
you tow is not attached. • Unlimited for equipment fitted as original equipment by the manufacturer;
• Any loss of or damage to property being carried in or on the trailer, trailer or
caravan or broken down car you tow. • £500 for any other equipment not fitted by the manufacturer, provided it is
• Any claim for pollution or contamination, unless it is caused by a sudden permanently fitted to the car.
identifiable event which was unintended and unexpected and happened at Recommended repairer
one specific time and place.
If the damage to the car is covered under your policy and it is repaired by a
• Any amount over £1.2 million, for any one pollution or contamination recommended repairer, you do not need to obtain any estimates and repairs
event. can begin immediately after we have authorised them. We will arrange for
• Cover will not apply to any person under this section who can claim under one of our repairers to contact you to arrange to collect the car. Repairs
another policy. made by our recommended repairers are guaranteed for three years.
At your option, you can arrange for a repairer of your choice to carry out the
2 Damage to the car repairs. An additional excess applies if you choose to use a
non-recommended repairer, the amount of this excess is shown in the
Schedule of Insurance. You must send us at least two detailed repair
What is covered under this section estimates as soon as reasonably possible. We will only be liable for the
This section provides you with cover for loss or damage to the car and its repair costs at a non-recommended repairer if we have agreed that the costs
accessories caused by accidental or malicious damage, or vandalism. are reasonable and we have issued an authorisation to the repairer. We may
We will decide either to; need to inspect the car.
• Pay to have the damage repaired; or We reserve the right to ask you to obtain alternative estimates and we may
• Pay to replace what is lost or damaged if this is more cost effective than not pay you more than our recommended repairer would have charged us
repairing it; or for the repair of the car.
• Pay you an amount equal to the loss or damage. Courtesy cars
If to our knowledge the car is the subject of a hire purchase or leasing If your vehicle suffers insured damage, our Claims team will advise you of
agreement, we may, in the event of the car's total loss or destruction, pay your nearest Co-operative Insurance appointed repairer*. They are
the hire purchase or leasing company directly for the loss or damage to the authorised to begin work on repairs on production of your Co-operative
vehicle. Insurance Certificate of Motor Insurance or Cover Note and they will provide
If our estimate of the market value is more than the amount owed any you with a courtesy car for the duration of the repairs, subject to availability. If
balance will be paid to you. the provision of a courtesy car is available, the Co-operative Insurance
If our estimate of the market value is less than the amount owed you may approved repairer* will not be obliged to arrange a replacement vehicle any
have to pay the outstanding balance. larger than a small hatchback, typically with a 1 litre engine capacity. If you
By purchasing this policy you agree that we can handle your claim in this wish to upgrade to any other vehicle the cost of the upgrade will be your
way. responsibility. In addition, the terms, conditions and excesses of your policy
We will also pay reasonable costs for the protection, removal and storage of remain in force for the courtesy car.
the car and delivery after repair to your risk address. *Excluding Northern Ireland, the Channel Islands and the Isle of Man.
We may use warranted replacement parts or recycled parts which are not What is not covered under section 2
supplied by the manufacturer of the car but will be of a similar standard. If • Loss of or damage to the car caused by fire, theft or attempted theft.
suitable replacement parts are not available we will pay the manufacturer’s • The total excess shown in your Schedule of Insurance. You must pay
last list price. these amounts for every incident that you claim for under this section.
We will not pay more than the market value of the car at the time of the loss • The additional excesses shown in the Schedule of Insurance, if the car
unless the new car benefit applies. is damaged while it is being driven by a young driver or inexperienced
driver.
New car benefit
• The additional excess shown in the Schedule of Insurance, if you
We will replace the car with one of the same make, model and specification choose to use a non-recommended repairer.
if;
• Loss of keys, keyless entry system devices, tapes, compact and mini
• The loss or damage happens within twelve months from the date the car discs, DVD’s and other portable media storage devices.
was first registered; and
• Loss or damage caused to the car, if at the time of the incident, it was
• You, or your partner, are the first and only registered keeper of the car under the custody or control of anyone with your permission who is not
(or the second registered keeper if the first registered keeper is the covered under this policy.
manufacturer or supplying dealer and the delivery mileage is under 250
miles); and • Loss or damage to the car and/or its contents as a result of someone
taking it by fraud or trickery while pretending to be a buyer.
• 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 • Loss or damage to the car caused by malicious damage unless this has
first registered as new (or you are the second owner if the first owner is been reported to the police and a crime reference number obtained.
the manufacturer or supplying dealer and the delivery mileage is under • We will not pay for any losses that are not directly associated with the
250 miles); and incident that caused you to claim, unless expressly stated in this policy.
• The cost of repair is valued at more than 60% of the cost of buying an • Loss or damage deliberately caused by any person entitled to be covered
identical new car at the time of the loss or damage (based on the United under this policy or any person acting on their behalf.
Kingdom list price); and • Loss or damage resulting from incorrectly maintaining or fuelling the car
• The car was supplied as new from within the territorial limits. or from the use of substandard fuel, lubricants or parts.
In these circumstances, if you ask us to we will replace the car (and pay • Loss of or damage to the car caused by a person known to you taking
reasonable delivery charges) with a new car of the same make, model and the car without your permission, unless that person is reported to the
specification. police for taking the car without your permission.
We can only do this if a replacement car is available in the territorial limits • Costs resulting from loss of use of the car.
• Any reduction in the market value of the car following repair.
CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
21
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
• Any part of the cost of repair or replacement which improves the car or its In these circumstances, if you ask us to we will replace the car (and pay
accessories beyond its condition immediately before the loss or damage reasonable delivery charges) with a new car of the same make, model and
occurred. specification.
• Loss or damage to any trailer, caravan or disabled motor vehicle, or their We can only do this if a replacement car is available in the territorial limits
contents, being towed by the car. and anyone else who has an interest in the car agrees.
• Loss or damage from taking the car and returning it to the legal owner. If a replacement car of the same make, model and specification is not
• Loss or damage to in car audio, television, DVD, phone, games-console, available, we will, where possible, provide a similar car of identical list price.
or electronic navigation, unless these items are permanently fitted to the If this is not acceptable to you, we will not pay more than the market value of
car. the car at the time of the loss.
• Loss or damage caused by wear and tear or depreciation.
Car audio, navigation and entertainment equipment
• Loss or damage caused by any mechanical, electrical, electronic
We will also cover the cost of replacing or repairing the car’s audio,
computer or computer software failures, breakdowns, faults or breakages.
navigation and entertainment equipment up to the following amounts:
• Loss or damage arising directly or indirectly from water freezing in the
• Unlimited for equipment fitted as original equipment by the manufacturer;
cooling system of the car.
or
• Damage caused by the process of cleaning, modification, repairing or
• £500 for any other equipment not fitted by the manufacturer, provided it is
restoring or by any gradually operating cause.
permanently fitted to the car.
• Damage to tyres caused by braking, punctures, cuts or bursts not as a
direct result of an accident. Recommended repairer
• Any storage charges unless you tell us about them and unless we agree If the damage to the car is covered under your policy and it is repaired by a
in writing to pay for them. recommended repairer, you do not need to obtain any estimates and repairs
• Any increase in damage as a result of the car being moved under its own can begin immediately after we have authorised them. We will arrange for
power following an incident. one of our repairers to contact you to arrange to collect the car. Repairs
• Costs of importing parts or accessories or storage costs caused by made by our recommended repairers are guaranteed for three years.
delays, where the parts or accessories are not available from current At your option, you can arrange for a repairer of your choice to carry out the
stock within the territorial limits. repairs. An additional excess applies if you choose to use a
• Any amount over the cost shown in the manufacturer’s latest price guide non-recommended repairer, the amount of this excess is shown in the
for any lost or damaged parts or accessories if such parts or Schedule of Insurance. You must send us at least two detailed repair
accessories are not available. estimates as soon as reasonably possible. We will only be liable for the
• Loss or damage resulting from confiscation, nationalisation, requisition or repair costs at a non-recommended repairer if we have agreed that the costs
destruction by or under the order of any government or public or legal are reasonable and we have issued an authorisation to the repairer. We may
authority need to inspect the car.
We reserve the right to ask you to obtain alternative estimates and we may
not pay you more than our recommended repairer would have charged us
3 Fire and theft for the repair of the car.
What is not covered under section 3
What is covered under this section • The total excess shown in your Schedule of Insurance.
This section provides you with cover for loss or damage to the car and its • The additional excess shown in the Schedule of Insurance, if you
accessories caused by fire, theft or attempted theft. choose to use a non-recommended repairer.
We will decide either to; • Loss or damage caused by theft or attempted theft if the keys or lock
• Pay to have the damage repaired ; or transmitter or entry card from the keyless entry system are left in or on the
• Pay to replace what is lost or damaged if this is more cost effective than car while it is left unattended.
repairing it; or • Loss of keys, keyless entry system devices, tapes, compact and mini
• Pay you an amount equal to the loss or damage. discs, DVD’s and other portable media storage devices.
If to our knowledge the car is the subject of a hire purchase or leasing • Loss or damage caused by theft or attempted theft if the car is left
agreement, we may, in the event of the car’s total loss or destruction, pay unattended without being properly locked and/or if any window, roof
the hire purchase or leasing company in the first instance. opening, removable roof panel or hood is left open or unlocked.
If our estimate of the market value is more than the amount owed any • Loss or damage if any security or tracking device, which we have insisted
balance will be paid to you. is fitted to the car, has not been set or is not in full working order.
If our estimate of the market value is less than the amount owed you may • Loss or damage caused to the car, if at the time of the incident, it was
have to pay the outstanding balance. under the custody or control of anyone with your permission who is not
By purchasing this policy you agree that we can handle your claim in this covered under this policy.
way. • Loss or damage to the car and/or its contents as a result of someone
We will also pay reasonable costs for the protection, removal and storage of taking it by fraud or trickery while pretending to be a buyer.
the car and delivery after repair to your risk address. • Loss of or damage to the car by theft, attempted theft unless this has
We may use warranted replacement parts or recycled parts which are not been reported to the police and a crime reference number obtained.
supplied by the manufacturer of the car but will be of a similar standard. If • We will not pay for any losses that are not directly associated with the
suitable replacement parts are not available we will pay the manufacturer’s incident that caused you to claim, unless expressly stated in this policy.
last list price. • Loss or damage deliberately caused by any person entitled to be covered
We will not pay more than the market value of the car at the time of the loss under this policy or any person acting on their behalf.
unless the new car benefit applies. • Loss or damage resulting from incorrectly maintaining or fuelling the car
New car benefit 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
We will replace the car with one of the same make, model and specification
the car without your permission, unless that person is reported to the
if;
police for taking the car without your permission.
• The loss or damage happens within twelve months from the date the car
• Costs resulting from loss of use of the car.
was first registered; and
• Any reduction in the market value of the car following repair.
• You, or your partner, are the first and only registered keeper of the car
(or the second registered keeper if the first registered keeper is the • Any part of the cost of repair or replacement which improves the car or its
manufacturer or supplying dealer and the delivery mileage is under 250 accessories beyond its condition immediately before the loss or damage
miles); and occurred.
• You, or your partner, have owned the car (or it has been hired to you, or • Loss or damage to any trailer, caravan or disabled motor vehicle, or their
your partner, under a hire-purchase or leasing agreement) since it was contents, being towed by the car.
first registered as new (or you are the second owner if the first owner is • Loss or damage from taking the car and returning it to the legal owner.
the manufacturer or supplying dealer and the delivery mileage is under • Loss or damage to in car audio, television, DVD, phone, games-console,
250 miles); and or electronic navigation, unless these items are permanently fitted to the
• The cost of repair is valued at more than 60% of the cost of buying an car.
identical new car at the time of the loss or damage (based on the United • Loss or damage caused by wear and tear or depreciation.
Kingdom list price); and
• The car was supplied as new from within the territorial limits.
22
• Loss or damage caused by any mechanical, electrical, electronic • Loss of or damage to telephone or other communication equipment.
computer or computer software failures, breakdowns, faults or breakages.
• Loss or damage arising directly or indirectly from water freezing in the
cooling system of the car.
6 Medical expenses
• Damage caused by the process of cleaning, modification, repairing or What is covered under this section
restoring or by any gradually operating cause. If you or anyone in the car is injured in an accident involving the car, we will
• Damage to tyres caused by braking, punctures, cuts or bursts not as a pay up to £100 in medical expenses for each injured person.
direct result of an accident.
• Any storage charges unless you tell us about them and we agree in
writing to pay for them. 7 Personal accident benefits
• Any increase in damage as a result of the car being moved under its own
power following an incident. What is covered under this section
• Costs of importing parts or accessories or storage costs caused by If you or your partner are accidently killed or permanently injured while
delays, where the parts or accessories are not available from current getting in, travelling in or getting out of the car (or any other private car that
stock within the territorial limits. you do not own), we will pay the following;
• Any amount over the cost shown in the manufacturer’s latest price guide • For death - £5,000
for any lost or damaged parts or accessories if such parts or • For the total and irrecoverable loss of sight in one or both eyes - £5,000
accessories are not available. • For the permanent loss of use of one or more limbs above the wrist or
• Loss or damage resulting from confiscation, nationalisation, requisition or ankle - £5,000
destruction by or under the order of any government or public or legal We will only pay these amounts if the cause of death or injury is an accident
authority. involving a car and the death or loss happens within 3 calendar months of the
accident.

4 Glass damage What is not covered under section 7

• More than £5,000 per incident.
What is covered under this section • Death or injury to any person not wearing a seat belt when required to by
law.
If the glass in the front windscreen, side, rear windows, or sunroof of the car
is damaged during the period of insurance we will pay the cost of repairing • Any intentional self injury, suicide or attempted suicide.
or replacing it. We will also pay for any repair to the bodywork of the car that • Any injury or death arising wholly or in part from any natural or inherent
has been damaged by broken glass from the windscreen or windows. disease or medical condition.
Windscreen recalibration costs are covered under this section when using an • Any injury or death to any person driving at the time of the accident who is
approved repairer, subject to glass provider terms and conditions. found to have a higher level of alcohol or drugs in their body than is
If the repair or replacement is carried out by one of our approved suppliers, allowed by law.
cover is unlimited. (To contact one of our approved suppliers please refer to • If you or your partner has any other car insurance policy with us, we will
the ‘Making a claim section’ of this policy.) only pay the benefit under one policy.
If you choose to use your own supplier, then cover will be limited to £150
less any excess.
A claim under this section only will not affect your no claims discount. 8 Travelling abroad
What is not covered under section 4
• The glass excess shown in the Schedule of Insurance. What is covered under this section
• Loss of use of the car. We will cover your legal liability to others while you or any driver covered by
• Damaged or broken glass in panoramic glass roofs. this policy are using the car within the European Union and any other country
which has agreed to follow Article 7(2) of the EU Directive on Insurance of
• Repair or replacement of the hood/roof structure of a convertible or
Civil Liabilities arising from the use of motor vehicles (number 72/166/EEC).
cabriolet vehicle.
You do not need an International Motor Insurance Card (Green Card) for
• Repair or replacement of any glass that is part of a removable or folding
visits to these countries as the legal evidence of this cover is shown on the
convertible roof.
reverse of your Certificate of Motor Insurance.
• Repair or replacement of any windscreen or window not made of glass.
Further information on the countries that follow the above EU Directive can be
• The cost of importing parts or storage costs caused by delays where the found by visiting www.mib.org.uk.
parts are not available from stock within the territorial limits.
We will also provide the cover shown on your Schedule of Insurance for up
• Loss or damage deliberately caused by any person entitled to be covered to 30 days in any period of insurance while you are using the car within the
under this policy or any person acting on their behalf. countries referred to above.
We may agree to extend the cover for more than 30 days as long as:
5 Personal belongings • The car is taxed and registered within the territorial limits; and
• Your main permanent home is within the territorial limits; and
What is covered under this section • Your visit abroad is only temporary; and
We will pay up to a maximum of £100 for personal belongings not • You tell us before you leave; and
permanently fitted to the car, which are lost or damaged following an • You pay any additional premium we ask for.
accident, fire, theft or attempted theft involving the car. If you want to extend your policy to give the same cover in a country outside
What is not covered under section 5 the countries referred to above, you must:
• Loss or damage caused by wear and tear or depreciation. • Tell us before you leave; and
• Loss of, theft of or damage to property from an open or convertible car, • Get our written agreement to cover you in the countries involved; and
unless the personal belongings were left in a locked boot or locked glove • Pay any additional premium we ask for.
compartment. If we agree to your request, we will issue you with an International Motor
• Loss or damage if the car is left unattended without being properly Insurance Card (Green Card) as legal evidence of this cover.
locked and/or if any window, roof opening, removable roof panel or hood We will also pay customs duty if the car is damaged and we decide not to
is left open or unlocked. return it after a valid claim on the policy.
• Money, credit or debit cards, stamps, tickets, vouchers, documents and Cover also applies while the car is being carried between sea or air ports or
securities. railway stations within these countries, as long as this travel is by a
• Goods or samples carried in connection with any trade or business recognised sea, air or rail route.
• Loss of or damage to any radar detection equipment.

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
23
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
What is not covered under section 8 left unused, providing no claims have been made. If a claim has been made,
or there has been an incident which may lead to a claim, no refund of
If your Certificate of Motor Insurance allows a specific driver to drive any
premium will be given and all premiums would be due.
other vehicle, that cover does not apply outside of the territorial limits.
If we cancel your policy on the grounds of fraud, cancellation may be
9 No claims discount (NCD) immediate and we may keep any premium you have paid. We may also
inform the police of the circumstances.
If you do not make a claim during the period of insurance, we will increase
your no claims discount when you renew your policy with us in line with scale
shown below:
11 General policy exclusions
Your NCD Your NCD Your NCD Your NCD
You are not covered under your policy for any of the following;
Current years at years at years at years at
years renewal if renewal if renewal if renewal if Contracts
NCD no fault one fault two fault more than Any claim as a result of an agreement or contract unless it is one we would
claims claim claims two fault have been liable for anyway.
claims
0 1 0 0 0 Who uses the car
1 2 0 0 0 Any injury, loss or damage which takes place while the car is being:
2 3 0 0 0 • Driven by or in the charge of any person not covered by your Certificate
3 4 1 0 0 of Motor Insurance; or
4 5 2 0 0
• Used other than for the purposes allowed on your Certificate of Motor
5 6 3 1 0
Insurance; or
6 7 3 1 0
7 8 3 1 0 • Driven by or in the charge of any person who does not hold or comply with
8 9 3 1 0 the conditions of a valid licence to drive such a vehicle in the country
9 9+ 3 1 0 within which the incident occurred.
9+ 9+ 3 1 0 • Driven by or in the charge of any person that, at the time of the accident
is:
If you do make a claim during the period of insurance, your no claims
1. Convicted of driving while under the influence of alcohol or drugs,
discount will be reduced at the next renewal date in accordance with the
whether prescribed or otherwise.
scale shown above.
2. Fails to provide a sample of breath, blood or urine when required
The following will not affect your no claims discount:
to do so, without lawful reason.
• Payments made under Section 4 - Glass damage of this policy.
• We have the right to recover from you any amounts which we pay before
• Payments made under Emergency treatment (Section 1) of this policy. such conviction or which we are required to pay by law.
• Claims where you were not at fault, as long as we have recovered all that This exception does not apply if the car is;
we have paid from those who were responsible.
• Being serviced or repaired by a member of the motor trade.
Your no claims discount cannot be transferred to another person or used on
• Stolen or being taken away without your permission; or
more than one policy at the same time.
• Being parked by an employee of a hotel or restaurant as part of a
You should note any change in the level of your no claims discount is no
car-parking service.
guarantee that your premium will not rise.
Track days and off road events
Any liability, loss or damage resulting from the use of the car at any event
10 Cancellation during which the car may be driven on a motor racing track, airfield or at an
off road event.
How to cancel your policy
You must contact us if you wish to cancel your policy. Our contact details
Use on airfields
are on the reverse of your Certificate of Motor Insurance. We will not pay claims arising directly or indirectly from any car being in a
place used for the take-off, landing, parking or movement of aircraft, including
We will cancel your policy either from the date you contact us, or from any
the associated service roads, refuelling areas, ground equipment parking
later date you specify. The policy cannot be cancelled from an earlier date
areas and the parts of passenger terminals of international airports which
than when you contact us.
come with the Customs examination area or any part of airport premises to
If you are paying your premiums by instalments, you must still pay us any which the public does not have access to drive their vehicle.
balance of premium due. Cancelling any direct debit instruction does not
mean you have cancelled the policy. You will still need to follow the Pollution
instructions above. Any accident, injury, damage, loss or liability caused by pollution or
In the event of cancellation, a fee shown in the Important Information about contamination, unless the pollution or contamination is caused by a sudden,
Our Insurance Intermediary Services document will apply. identifiable, unexpected and accidental incident which happens during the
period of insurance.
Cancellation by you within the first 14 days
If you cancel your policy within 14 days of the date you receive your policy Earthquake
documents we will refund a percentage of the premium calculated on a daily Any loss or damage caused by earthquakes and the result of earthquakes.
pro rata basis equivalent to the period of cover left unused, providing no
claims have been made. If a claim has been made, or there has been an
Pressure waves
incident which may lead to a claim, no refund of premium will be given and all Any loss or damage caused by pressure waves from aircraft or aerial devices
premiums would be due. travelling at sonic or supersonic speeds.

Cancellation by you after the first 14 days Riot

If you cancel this policy after the 14-day period we will refund a percentage Any loss or damage caused by riot, civil commotion occurring outside Great
of the premium calculated on a daily pro rata basis equivalent to the period of Britain, the Isle of Man or the Channel Islands. This exception does not apply
cover left unused, providing no claims have been made. If a claim has been to Section 1 – Liability to others.
made, or there has been an incident which may lead to a claim, no refund of Radioactivity
premium will be given and all premiums would be due.
Any loss or damage caused by, contributed to or arising from;
Where we cancel your policy • Ionising radiation or radioactive contamination from any fuel or waste; or
We may cancel your policy if there are serious grounds to do so such as • The radioactive, toxic, explosive or other hazardous properties of any
non-payment, failure to supply requested validation documentation (proof of explosive nuclear assembly or nuclear component or of any nuclear fuel
No Claims Discount, Security etc) you have provided us with incorrect or any nuclear waste.
information and you have failed to provide a remedy when requested or you
behave in a threatening, abusive or inappropriate manner towards our staff, Terrorism
our representatives or providers. Where we cancel we will provide seven Any loss or damage including accidental damage caused by or arising from
days' prior written notice to your last known address unless we are required terrorism unless the insurer has to provide cover under any Road Traffic
to cancel earlier. If we cancel your policy we will refund a percentage of the Acts.
premium calculated on a daily pro rata basis equivalent to the period of cover
24
War If we cancel your policy on the grounds of fraudulent activity, we will keep
Any loss or damage caused directly or indirectly by war, invasion, act of any premium you have paid and may inform the police of the circumstances.
enemy hostilities (whether war is declared or not), civil war, rebellion,
revolution, insurrection or military or usurped power other than to meet the Other insurances
requirements of the Road Traffic Acts. 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, we
will only pay our share of the claim. The share to be paid by each insurer will
12 General policy conditions be determined either by the appropriate court or by agreement between the
insurers involved.
We will only give you the cover described in this policy document provided This provision will not place any obligation upon us to accept any liability
that you and all other drivers comply with the conditions set out below and under Section 1 which the insurer would otherwise be entitled to exclude
that the information that you gave us regarding the car and all insured under Exceptions to Section 1.
drivers is true and complete as far as you know.
Taking care of your car
You and all other drivers must ensure that:
F Complaints procedure
• The car is kept in a roadworthy condition. We aim to provide a high level of service to all our customers but
• The car has a current MOT certificate if applicable. occasionally things can go wrong, when this happens we will do everything
• All reasonable steps are taken to ensure the car has been protected we can to put things right.
against loss or damage. Complaints procedure
We may examine the car at any time. If you have a complaint about our service or the administration of your
Your duty to provide accurate information policy, please contact us in the first instance by phoning customer services
on 0344 412 2101. We will aim to resolve your complaint over the phone
You must have answered truthfully all questions relating to your details;
within 24 hours.
those of the car and of all named drivers on your policy that we asked when
your policy started. You must also have truthfully agreed to all statements If your complaint is not resolved to your satisfaction within 24 hours we will
that we listed in the Statement of Insurance relating to your policy when it send you a written acknowledgment of your complaint together with the next
started. steps we will be taking to resolve it. If you prefer to put your complaint in
writing please send it to The Customer Relations Manager, Coop Eco
You must notify us as soon as reasonably possible if any of your details
Insurance, Fusion House, Bretton Way, Peterborough, PE3 8BG.
change.
It's important that you check the information you have provided and notify us Next steps
immediately of any changes to these details. Failure to disclose correct and In the unlikely event that your complaint remains unresolved four weeks after
complete information to the best of your knowledge may result in increased being made, we will send you either our final response or a letter explaining
premiums, refusal of a claim or not being fully paid, your policy being why we are not yet in a position to resolve your complaint and advise you
cancelled or being made null & void and treated as if it never existed. when we will be in contact again.
Please refer to Important Customer Information section for further details. If after eight weeks of making your complaint we are still not in a position to
Accidents and claims issue you with a final response we will send you a letter explaining the
reason for the delay and advising you of your right to complain to the
You must notify us as soon as reasonably possible if you or any driver Financial Ombudsman Service.
become aware of any accident or loss involving the car or of any other
If we cannot resolve your complaint, you may refer your complaint to the
incident which may lead to a claim by you or by a third party.
Financial Ombudsman Service within six months of receiving our final
If you or any driver receive any notice of prosecution, inquest or fatal response letter.
accident enquiry or you or any driver are sent a claim form from a court or a
The address is Financial Ombudsman Service, Exchange Tower, London,
letter, you or any driver must send it to us, unanswered, as soon as
E14 9SR. The website address is www.financial-ombudsman.org.uk and their
reasonably possible.
telephone numbers are 0800 023 4567 from a landline and 0300 123 9123
You must ensure that the police are notified within 48 hours of you or any from a mobile. Making a complaint will not affect your legal rights.
driver becoming aware of any incident involving theft, attempted theft, or
malicious damage and a crime reference number is obtained.
You or anyone who drives the car must not admit liability for, offer, negotiate
or seek settlement of any claim without our written permission. G Data protection notice
You or anyone who drives the car must take reasonable steps to minimise
the loss if an incident which gives rise to a claim occurs. Who is processing your data?
We are entitled under this policy to; We are BISL Limited, we arrange and administer Co-op ecoinsurance car
• Take over and conduct the defence and settlement of any claim in your insurance and we are the data controllers of the personal data that you
name or in the name of any other person insured by your policy. provide and/or that we collect from you. This means we are the company
• Instigate proceedings at their own expense and for their own benefit but responsible for deciding how your data is processed.
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. BISL Limited is part of the BGL Group of Companies and provides products
• Recover from you the amount of any claim that they are required to settle and services under various brands. If you want to know more about the BGL
by law which we would not otherwise have paid under this policy. Group of Companies and the brands that BISL operates you can find out
more at www.bglgroup.co.uk
• 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 We will share data relating to your quote or policy with CIS General
of a loss. Insurance Limited (CISGIL) who will also be a data controller. They will use
You or any person who makes a claim under your policy must give us all this data to allow them to consider your application for insurance and to allow
reasonable assistance and information in relation to any claim made under them to deal with any claims you make on your insurance policy. They will
your policy. be a data controller in relation to the data they receive from us and any
additional data they may collect about you when dealing with a claim. This
Fraud means that they are in charge of how they handle your data and we are not
You must not act in a fraudulent manner. You, any authorised driver, or any responsible for this. You can read further information about how CISGIL
person acting for you must not make false or exaggerated claims. If you, processes your data by reading their Privacy Policy at
any authorised driver, or anyone acting for you makes a claim knowing any www.co-operativeinsurance.co.uk
part of it to be false or exaggerated, we will not pay the claim and we will
cancel your policy. We shall be entitled to recover from you the amount of When you choose to add an additional product to your insurance policy,
any claim already paid under the policy during the period of insurance.
such as breakdown cover, we will also need to share your data

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
25
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
with the supplier of the additional product to allow it to be provided. Undertaking searches using your driving licence number helps insurers
check information to prevent fraud and ensure policy premiums are fair.
You can find further information in the terms and conditions for each
additional product. A search with the DVLA will not show on your (or your named driver’s)
driving licence record.
If you pay for your policy by monthly instalments you will be taking out a
credit agreement. Your credit arrangement will be provided by BFSL Limited, For details relating to information held about you by the DVLA, please visit
which is part of the BGL Group of Companies and which provides credit www.dvla.gov.uk
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 Credit searches
data and will be responsible for how that data is processed. We and/or our insurers or credit provider(s) will carry out checks with credit
reference agencies, including-
Where do we get the data from? • checks against publicly available information such as the Electoral
From you Register, County Court Judgments, bankruptcy or repossession
Most of the data that we process will be data that we collect from you information;
directly when you request a quote. We will ask you various questions to • checks against data relating to your credit history. If you enter into a
collect the data we need for the purpose of your policy. We will not be able credit agreement to pay for your policy, we may also pass to Credit
to provide a quote unless you answer the mandatory questions. Reference Agencies information we hold about you and your payment
record with us. Credit Reference Agencies share information with
From Co-op ecoinsurance other organisations, enabling applications for financial products to be
If you have previously held any products or services with Co-op ecoinsurance assessed or to assist the tracing of debtors, or to prevent fraud. We
then we may carry out checks against data that Co-op ecoinsurance already may ask Credit Reference Agencies to provide a credit scoring
hold on you. This includes data that may be needed to apply any discounts computation. Credit scoring uses a number of factors to work out risks
or offers that you may be entitled to from time to time as an existing involved in any application. A score is given to each factor and a total
customer, for fraud prevention, research and analysis and to help us assess score obtained and this together with other factors will be used to
your application for insurance. We may do this when you request a quote, assess your application for a quote or a policy.
when changes are made to your policy or when your policy is due for
renewal. The credit reference agencies will keep a record of the search and you may
see this recorded on your credit file whether or not you proceed with your
quote. If you decide to take out a credit agreement, the search and details of
From your use of our website and services your payment history with the credit provider will also be visible to other
We also collect data about you based on your actions, for example we lenders. You can find out further information about how the Credit Reference
collect data about how and when you use our websites, or our services so Agencies collect and use personal data at www.callcredit.co.uk/crain which
that we can build up a picture of you as a customer. This can include also provides you with details of how to contact the Credit Reference
information such as how many quotes you have obtained for insurance from Agencies if you want to check the information they hold about you.
us, mouse clicks/taps, mouse movements, page scrolling and text entered
into forms. This helps us to provide you with a good service and to design Claims and Underwriting Exchange and Other Registers and Databases
improvements to our products and services (including changes to our We, the insurer and/or the re-insurer exchange information with various
website) but is also used to help us to prevent and detect fraud. databases and registers to help us check information provided, to detect and
prevent crime or fraud and to obtain information about your no claims history.
If you contact us electronically, we may collect your electronic identifier e.g. These may include the Claims and Underwriting Exchange Register, the
Internet Protocol (IP) address or telephone number supplied by your service Hunter Database, the Motor Insurance Anti-Fraud and Theft Register, the No
provider. This information may be used by us and/or shared with and used by Claims History Database and any other relevant industry databases or
insurers to aid in the detection of fraud. registers. Under the conditions of your policy, you must tell us about any
incident (such as an accident or theft) which may give rise to a claim whether
If we speak to you on the telephone we may record the telephone call. We or not a claim is made. When you tell us about an incident, we or the insurer
do this so that we have an accurate record of your conversation with us. We will pass this information to the registers and any other relevant registers.
also use this data for monitoring and quality control purposes and may use it
for training purposes. Motor Insurance Database
Information relating to your insurance policy will be added to the Motor
From price comparison sites Insurance Database ("MID") managed by the Motor Insurers' Bureau ("MIB").
If you have been directed to us from a price comparison site then the price MID and the data stored on it may be used by certain statutory and/or
comparison site will have provided us with data that you entered in order to authorised bodies including the Police, the DVLA, the DVLANI, the Insurance
allow us to provide you with a quote. Fraud Bureau and other bodies permitted by law for purposes not limited to
but including:-
When you purchase one of our policies through a price comparison site we
will need to share some information with the price comparison site, for i. Electronic Licensing
example, information relating to whether the policy has been purchased or ii. Continuous Insurance Enforcement
the status of the policy. We will also exchange information that is necessary iii. Law enforcement (prevention, detection, apprehension and/or prosecution
to help resolve any queries or complaints. of offenders)
iv. The provision of government services and/or other services aimed at
Our service providers reducing the level and incidence of uninsured driving.
We or our insurers will sometimes use third parties to process personal
information on our behalf. Where third parties process your personal If you are involved in a road traffic accident (either in the UK, the EEA or
information on our behalf, we will have a contract in place with them placing certain other territories), insurers and/or the MIB may search the MID to
obligations on them to keep your data secure and only use it for the obtain relevant information.
purposes that we authorise. Persons (including his or her appointed representatives) pursuing a claim in
The third parties that we use may include, for example, IT service providers, respect of a road traffic accident (including citizens of other countries) may
market research agencies and debt collection agencies or tracing agents also obtain relevant information which is held on the MID. It is vital that the
appointed by us. 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
From other companies check that your correct registration number details are shown on the MID at
As part of considering your quote, administering (including amending or www.askMID.com
renewing) your policy or dealing with any claims on your policy, we, our Existing Data
insurers and/or our credit providers will exchange information about you We will check our existing records to see if you have held a policy or obtained
with other companies and/or carry out checks with various databases, which a quote with us, or any of the brands BISL Limited administer, before. We will
is standard practice in the insurance industry. We have set out below some of also share personal data with our other brands, Group Companies and
the common databases that may be checked. insurers for these purposes. The credit providers we work with (as described
DVLA in the "Who is processing your data? " section above) will also carry out
If you provide your, or any named driver's, driving licence number this will be checks against data that they hold on you if you have held a credit agreement
passed to the DVLA, either by us or the insurers we work with, in order for a with them or applied for credit with them before.
search to be carried out to confirm your (or any named driver’s) licence Checking and comparing this data helps us to assess your quote (including
status, entitlement and relevant restriction information and at renewal). This data will also be used for research and analysis
endorsement/conviction data.
26
in accordance with the section headed "What do we use your data for?" have in place with you to provide you with the quote or the policy that you
below. have requested.
Publicly available sources Part 2 – Fraud Prevention
We or our insurers use some open sources of data which are not personal In order to prevent and detect fraud we, the credit provider and/or the
data (such as information about particular geographic areas) and combine insurer or the re-insurer may use the personal data set out above at any time
this with the personal data that we hold about you (such as your own to undertake searches to prevent fraud and money-laundering and to verify
address) in order to assess insurance risk and provide you with an accurate your identity. This will include checking or sharing your details with credit
quote. reference agencies and fraud prevention agencies.
Providing data about other people If false or inaccurate information is provided or if we or a fraud prevention
We will sometimes need you to provide us with data about other people, for agency determine that you pose a fraud or money laundering risk, we may
example where another person is being added to the policy as a named refuse to provide the services and/or financing you have requested and we
driver. Where you give us data about someone else, you must make sure may stop providing existing services to you.
that you have made that person aware of this Privacy Policy. If we ask you to
confirm your consent to certain data being processed, you are giving A record of any fraud or money laundering risk will be retained by the fraud
consent for your data and any relevant data relating to the other person to be prevention agencies and which may be checked by other organisations for
processed. Where this privacy policy refers to “your data” this also includes example when: checking details on applications for credit and credit related
data about anyone else named on the policy or whose data you provide us or other facilities; managing credit and credit related credit accounts or
with. facilities; recovering debt and tracing beneficiaries; checking details on
applications for new products and dealing with claims for all types of
What do we use your data for? insurance. This may result in others refusing to provide services, financing or
The data that we hold is used for the following purposes:- employment to you.
Fraud prevention agencies can hold your personal data for different periods
Part 1 - Providing you with a quote and administering of time, and if you are considered to pose a fraud or money laundering risk,
your policy your data can be held by them for up to six years.
The personal data that we use for the purposes set out in this Part includes
information you provide during your quote, information about previous or In relation to personal data used for the purposes described in this Part 2, we
existing policies held by us or our insurers, identification information, process this data because we have a legitimate business interest in carrying
information from credit reference agencies, your policy and payment history out these activities to protect against fraud and because there is a substantial
and behavioural information that we gather from your use of our website and public interest in preventing and detecting crime including fraud.
how you manage your policy.
Part 3 – Other Uses of Data
Providing you with a service Marketing
As you would expect, this data is used to provide you with the service you When you request your quote you will be given an opportunity to confirm
have requested, for example a quote or an insurance policy. When you take whether you are happy to receive marketing material from us. If you confirm
out a policy, we will continue to use your data to provide you with annual you are happy to receive this material, we will use your postal address, email
renewal quotes and where we can we will use the data to automatically address and telephone number to send you marketing materials by post,
renew your policy and continue to provide you with insurance cover. If you email, telephone call or SMS. We do not pass your data to third parties for
would prefer that we don’t use your data to automatically renew your policy marketing purposes.
then you can opt out of the automatic renewal process by contacting us. This
means we will still use your data to generate a renewal quote but your You can change your mind at any time by logging into your Self Service
policy will not renew unless you tell us that you would like to accept the Centre and updating your preferences. You can also unsubscribe from
renewal quote. You can find more information about this in your policy emails by clicking on the unsubscribe link on any marketing emails that we
documents. send you or by contacting us.

Credit agreements and payments This will not impact any communications that we need to send you for the
Both we and the credit provider use this data (including data held in relation purpose of your policy, for example communications about your renewal,
to our other brands) to help us build up a picture of you as a customer. This updates about your policy or information about any quotes we’ve provided
allows us to carry out more accurate assessments of you as a customer when to you.
you apply for products with us, including creditworthiness assessments. It We use the data we hold to help us understand our customer demographic,
helps us to provide you with more relevant information such as making sure to help us improve the services that we provide to you and to help us target
we show you the right content at the right time. We also use this information our advertising and marketing so that we show customers adverts or
to help calculate your future quotes. This information will also be shared with marketing which may be more relevant to them. We may sometimes work
our insurers for these purposes. with carefully selected third parties to do this for example using advertising
Data will also be used by us or your credit provider (if applicable) to services provided by organisations such as Google and Facebook and may
administer any payments due under your policy and this will include (where share data with them to carry out this research and analysis, however will not
necessary) sharing data relating to your payments with credit reference sell your data to third parties for them to market to you.
agencies, debt collection agencies or any financial organisations such as Market Research
banks or payment providers for purposes connected with payment From time to time we may want to use your postal address, email address
processing, refunds, funding or associated services. If you have taken out and/or telephone number to contact you to assist us with our research by
credit you can find further information within the credit agreement. asking you a few questions about the service you have received or by asking
Additional information about your circumstances if you would like to complete a review of our services. We may sometimes
If you let us know that you have any accessibility requirements or any ask market research companies to contact you on our behalf.
circumstances which may impact the service we provide to you, we will keep If you would prefer us not to contact you for market research purposes then
a record of the information you provide so that we can provide an appropriate you can let us know by contacting us.
service to you for example if you tell us that you need documents in an
alternative format. Where we can, and if we feel it is appropriate, we may also Research and Analysis Activities
pass this information to our suppliers or partners to ensure that they can also We use data relating to your quotes or your policy, including your claims
provide an appropriate service to you. history, to carry out various research and analysis activities to help us to
regularly review and improve the products and services we provide and carry
Data protection law says that we have to tell you the legal basis on which we out research relating to underwriting, claims and pricing. We also share this
process your personal data. data with our insurers to enable them to use this data for these purposes.
Where possible, data will be shared on an anonymised basis. The data will
In relation to personal data used for the purposes described in this Part 1, we not be used to make any decisions that will affect you or any other individual.
process this data because it is necessary to perform the contract that we
We also use the data that we collect about you through your
CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
27
Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
website usage to carry out research and analysis into usage and activities on Once we have all the information that we need to process your DSAR, we
our website to enable us to continue to improve our website and our will respond within one month unless your DSAR is very large or complex, in
products and services. which case we may need to extend this period. If we need to do this we will
let you know.
In relation to personal data used for the purposes described in this Part 3, we
process this data because we have a legitimate business interest in carrying If you want to make a DSAR in relation to personal data that is held by CIS
out these activities to promote and improve our business. We have ensured General Insurance Limited (CISGIL) then you will need to contact them
appropriate safeguards to protect your rights when processing this data for directly by email at: [email protected] or by writing to them at; Data
these purposes. Protection and Privacy Manager, Co-op Insurance, Miller Street, Manchester,
M60 0AL.
Part 4 - Special Personal Data and Criminal
Convictions • You have the right to ask us to correct inaccurate personal data that
In order to provide your quote and administer your policy we may ask you we hold about you. If you think any of your personal data is
to provide data which data protection law classifies as "special personal inaccurate, please contact us and, provided we can verify your
data". This includes information about your health (such as any medical identity and are satisfied as to the accuracy of the correction
conditions) or information relating to criminal convictions or alleged or actual requested, we will correct the relevant personal data as soon as we
criminal offences. can.

Where we collect special personal data and criminal conviction or offence • You have the right to request that we provide a copy of your personal
data to provide you with your quote and your policy, we process this data data in a machine readable format or to ask us to send your personal
because it is in the substantial public interest to do so for the purposes of data to another company. This applies to personal data that you have
advising on, arranging, underwriting or administering an insurance contract. provided to us, which we have processed electronically, such as data
you entered on our website when you obtained a quote.
It may also be necessary for us to retain a copy of any special personal data
and criminal conviction or offence data for the purpose of making or • You also have the right to ask us to delete personal data that we hold
defending claims or preventing or detecting crime, including fraud. about you. We are obliged to delete personal data in some
circumstances, such as where it is no longer needed. However, data
How long do we keep data? protection laws allow us to keep the personal data if we need to, for
We’ll only keep your personal data as long as we need it and ensure it is example if the data is needed to allow us to administer your policy or
securely destroyed when it is no longer required. We do however need to if the data is needed for fraud prevention. In any case, we will retain
keep certain data after your policy has ended for certain periods as detailed your personal data in line with the retention periods detailed under
below. "How long do we keep data?" above.

Generally, if you take out a policy with us, you can expect us to keep your • You have the right to ask us not to do anything with your personal
data for a period of 10 years following the end of your policy unless there is data except store it in limited circumstances, such as if you and we do
a requirement for us to keep the data for longer, for example if there are any not agree on the accuracy of personal data and steps are required to
ongoing queries or claims relating to the policy. validate it.

We keep data for these periods as it plays an important part in allowing us to • You have the right to object to us processing certain personal data
undertake fraud detection and prevention activities, allows us to deal with any about you. For example, you can ask us to stop processing data for
queries or complaints that may arise regarding the quote and allows us to marketing or market research purposes. However, where we need to
carry out research and analysis to help us improve our products and services continue to process the personal data, for example to administer your
(as described in the section headed "What do we use your data for?"). policy or for fraud prevention purposes, we are not obliged to stop
processing it.
Overseas Transfer of Data • You have the right to ask to review significant decisions that we have
We may use third party suppliers to process personal data about you. Some made about you wholly by automated means. The nature of the
of these suppliers may be located in countries outside the UK which may not quotes that we provide to you means that we have to use this kind of
have equivalent laws in place to protect your personal data. For example, we automated decision making in relation to your personal data (including
use third party software suppliers to process data such as your IP address special categories of personal data) to assess your quotes. This
and email address. Our insurers may also process personal data in means that our computers will consider lots of different pieces of
countries outside the UK which may not have equivalent laws in place to information about you and about the policy you have requested (such
protect your personal data. Our insurers are data controllers in respect of as information about your vehicle) in order to calculate whether or not
any such processing. we are able to offer you a quote, at what price this should be and
Whenever we do use third party suppliers to process personal data about whether we can offer you a credit agreement to pay for your premium.
you outside the UK we will ensure that your personal data is kept securely, is Automated decision making will be used when you request a quote,
only used for the purposes set out in this Privacy Policy and is afforded when we are considering whether we can offer you a renewal quote
equivalent protection as it would be if it were processed in the UK. We do this and also if any changes are made to your policy.We may also use
through various mechanisms, for example making sure that European automated decision making to decide if you pose a fraud or money
Commission approved contractual clauses are in place with the supplier or laundering risk. If you ask us to review the decision, we will make sure
ensuring that suppliers who process personal data in the USA are signed up that it is examined by a human and we will confirm the outcome to
to the Privacy Shield arrangement. If you would like any further information you. This does not necessarily mean that the decision will be
please contact us using the details in the “Contacting Us” section. changed.

Your Rights Contacting us about data

Data protection law gives you various rights in relation to your personal data.
If you would like to contact us about any of your data rights set out under
All the rights set out below can be exercised by contacting us using the
"Your Rights" above, then please contact [email protected] or
contact details set out under the "Contacting us" section below. Those rights
write to Data Requests, BGL Customer Services, Fusion House, Bretton
include:-
Way, Bretton, Peterborough PE3 8BG. You can use these details to contact
• You have the right to ask us to provide a copy of the personal data BISL Limited, BFSL Limited or ACM ULR Limited which are all part of the
that we hold about you. This is called a Data Subject Access Request BGL Group of Companies.
or "DSAR".
If you have any other queries or concerns about this Privacy Policy, or if you
You can access information about your policy and your policy documents
would like to contact the Data Protection Officer,for BISL Limited, BFSL
by logging into your Self Service Centre. If you want to receive other
Limited or ACM ULR Limited, you can email [email protected] or write to
personal data that BISL Limited holds then please contact us using the
the Data Protection Officer at Pegasus House, Bakewell Road, Orton
contact details below. When contacting us please describe the information
Southgate, Peterborough, PE2 6YS. Please make sure you include details of
you require and include the following: your full name, your date of birth,
the product and brand that you are contacting the Data Protection Officer
your full address and your quote/policy number. For security purposes we
about in your email or letter.
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 would like to contact the Data Protection Officer for CIS General
address such as a recent utility bill to assist us in verifying your identity. We Insurance Limited (CISGIL) then please contact them by email at:
might also need to ask you for additional information to help us locate the [email protected] or by writing to them at; Co-op Insurance, Miller
data that you are looking for. Street, Manchester, M60 0AL.

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Information Commissioner's Office
If you have a complaint regarding how your personal data has been
processed by us then please contact us first using our complaints procedure
set out in your policy documents.
You also have the right to complain to the Information Commissioner’s Office,
which regulates data protection compliance. You can find more information
by visiting their website www.ico.org.uk

CIS General Insurance Limited. Registered in England number: 29999R. Registered office: Miller Street, Manchester, M60 0AL.
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Co-operative motor insurance is arranged and administered by BISL Limited. Registered in England number: 3231094. Registered office:
Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. CIS General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. BISL Limited is authorised
and regulated by the Financial Conduct Authority.
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