First Alternative Help We need to know if an insurer has ever made the decision to refuse, cancel or void your, or any of your named drivers’ car insurance. Cover includes our 7-day car repair promise, a hire car for up to 21 days and onward travel to complete your journey. However, you can renew your policy up to 6 weeks before the renewal date. To reiterate previous reviews, the First Alternative car insurance customer service and claims departments are absolutely appalling. States set rules for when and under what circumstances insurance companies can cancel policies. Registered in England & Wales, No. We will respond to your request within one calendar month. Offer ends 30 June 2021. Alternative introductory discounts may be available. The clause allows an insurer to roll your cover over to a second year unless you tell them not to. If you are a 1st Central insurance customer and you would like to cancel your 1st Central insurance policy you can find out how with the handy guide below. Trading address: Alternative Insurance Brokers, 4 Station Road, Cheadle Hulme, SK8 5AE . Contact your insurance provider as soon as you can – they may be able to arrange an alternative payment date for when you can afford it Consider paying the instalment on a credit card or with an overdraft facility – but only if you know you’ll be able to … If any driver has any non-motoring criminal convictions not deemed as spent under the Rehabilitation of Offenders Act 1974. If you do not exercise your right to cancel during the 14 day period, your policy will continue as normal. The Observatory A fixed penalty of £100 will be incurred. Your insurance provider will then recalculate your price and offer you the option to either insure your new vehicle or cancel your policy. Or you can contact us on 0345 609 2571. Authorised and regulated by the Financial Conduct Authority. We’re here to help you find affordable car insurance that suits your needs and your budget. We always aim to get things right first time for our customers although we know that sometimes you will feel this hasn’t happened. If your policy was renewed automatically and you want to cancel it because you've taken alternative insurance elsewhere, you'll be eligible for a full refund and not charged any fees as long as the alternative insurance started from your renewal date and you can provide evidence to that effect. Does the new law affect all registered vehicle keepers? Asking your new insurance agent to cancel your old insurance policy is a simple way to complete your cancellation. How far in advance do I need to tell you that I'll be travelling? The administration fee is detailed in your Agreement with esure Services Limited.If you want full policy cover abroad First Alternative Car Insurance proves a FAQ section and a complete list of car insurance assumption to aid the customer in deciding if they are eligible for car insurance from First Alternative Car Insurance. Fee. CIE is a vehicle record-based compliance and enforcement regime, introduced to reduce the number of uninsured vehicles. The cancellation date is key. You can object to receiving marketing from us at any time; If your insurance policy does not meet your needs or if you are dissatisfied with the cover provided by your policy, please call our Call Centre on 0345 607 0417 to discuss your options. The address of our Customer Relations team is: It affects all registered vehicle keepers with a taxed vehicle that does not have insurance in force, unless the vehicle has a valid SORN. First Alternative Care operates subject to state regulation and may not be available in certain states in the future if laws change. Don’t let your insurance auto-renew again, here are our tips for renewal time. The territorial limits of the cover under Sections 8 – 14 of your policy are different and are set out in the relevant section of the policy. Or, if you prefer, for an additional charge, the cost of your car policy can be spread over the year by paying instalments by direct debit. If you would like some more information about making a claim on your car insurance, click here to go to our car insurance Claims FAQ page. Can I get a quote if I do not have a registration number? In this case we may issue a cancellation letter and we will cancel your policy if you fail to co-operate with us or provide the required information or documentation by the end of the seven day cancellation notice period; Where we do not receive evidence of your no claim discount within 21 days from the start date of the policy. You can order one online. If you choose to pay your premium in a lump sum using a debit card or credit card belonging to you or by instalments, we will automatically renew your policy every year using the latest card details provided, unless you have provided us with alternative instructions. Whilst you can print a Green Card at home, it must be on green paper with no borders. Under the General Data Protection Regulation enforced in the UK on 25th May 2018 you have key data privacy rights. Alternatively, you can cancel your cover and look for alternative car insurance – although you might face cancellation fees to do this. We'll provide a pre-paid envelope in your Welcome Pack for you to send your proof to us. If there is a no deal Brexit and your policy is going to renew whilst you're travelling, you'll need to request 2 Green Cards. However, if your policy has been active for longer than that, you’re likely to have to pay a cancellation fee and … We recommend you order a Green Card before you travel if you're going to be travelling over the 29th of March. What happens if I travel abroad pre-Brexit without a Green Card but need one to get home? About cancelling your car insurance. This offer is applicable to An Post Insurance policies underwritten by Aviva Insurance Ireland DAC. This includes, but is not restricted to, changes to the engine, engine management or exhaust system, changes to the wheels or suspension system, changes to the bodywork, such as spoilers or body kits and paintwork or changes to the windows, such as tinting, You want to use your car for a purpose not included in your Schedule, You become aware of any medical or physical condition of any driver covered by your policy, which may affect their ability to drive, You or any other driver covered by your policy are convicted of a motoring offence other than fixed-penalty parking offences or is banned from driving, You or any other driver covered by your policy is involved in an accident whilst driving another vehicle or suffers a loss, such as a theft, of any other vehicle or makes a claim on any other motor insurance policy, You change the address at which you live or normally keep your car, You change the address where you normally live, You keep your car at a different address to the one where you normally live, You or any other driver covered by your policy are charged with or convicted of any offence, including fraud, arson or dishonesty, that is unspent under the Rehabilitation of Offenders Act. In this case we will contact you in writing requesting payment by a specific date. If you cancel a policy without first putting a new car insurance policy in place, you can face: Fines or penalties for driving uninsured. To view our full privacy notice please click here. If you do not contact us to accept the renewal, the policy and your insurance cover will automatically lapse. Yes, if you cancel and transfer your car insurance within the 14-day cooling-off period, you're entitled to a refund minus any days the policy was active for. We will also tell you what you need to do to renew your policy. Once their investigations are complete a final decision will be sent to you in writing. If we cancel your motor insurance at any time, we will automatically cancel any cover provided by the additional services and benefits you chose with your main policy cover. Our friendly team will compare the top UK car insurance companies to get you the very best deal, ensuring you receive quality insurance with a reliable, trustworthy company you feel safe with. You may contact us to cancel your credit agreement without penalty within the first 14 days, but the insurance premium will become immediately payable in full. Read more here and get a quote now! It does not protect you against any other changes to your premium. Things You Should Know About Car Insurance Policy Cancellation. This letter will also notify you that if payment is not received by this date your policy will be cancelled. Buying a four wheeler insurance policy is mandatory in India for all cars as per the Motor Vehicle Act 1988. If the UK agree a deal with the EU on Brexit, you won't need a Green Card to travel within the Free Circulation Zone. FCA Registration No. FCA Registration No. Est., Redditch, B98 9PA. Alternatively, email us at [email protected] and provide us with your name, address, date of birth and policy number. If you find a better deal with another insurer or are selling your car, you can cancel your car insurance policy to take advantage of insurance savings. Cancelling your direct debit does not mean that you have cancelled your policy. However, if your policy has been active for longer than that, you’re likely to have to pay a cancellation fee and the … Almost all car insurance policies have an auto-renewal clause. We'll use your email address to keep you up to date with important information about your policy, as well as providing you with special offers, promotions and articles. Canceling your car insurance policy is an easy process, and usually just involves a quick call to your insurer. The other party accepted liability in March 2006. When you take out a car insurance policy, you’ll start a “cooling off” period. Does cancelling my car insurance or the renewal also cancel my AA breakdown cover? 306202 If you do not tell us and your policy is renewed, we will continue to make deductions from your bank account for the new premium if you pay by direct debit or if you pay by a single annual credit/debit card payment, we may deduct the full new annual premium from your credit/debit card. To ensure we are transparent with our customers about how we meet the legal requirements to protect your data our privacy notice has been issued to all customers. We will allow up to 90 days cover per policy year. To do this please call our Customer Service Department on 0345 607 0417 (office hours are Monday to Friday 8am - 8pm, Saturday 9am - 5pm and Sunday 9am - 2pm). As long as no incidents have arisen which could result in a claim under these sections, we will refund the premium you have paid. Or contact us on 0345 609 2571. Sign in to 'My Account', go to 'Make Changes' and select 'Add a Green Card.'. For example, if you have been a named driver on another policy for at least one year and are able to provide evidence of your driving record as a named driver elsewhere, we may be able to offer you a discount. At present it is an offence to use a vehicle without insurance. First Alternative is part of esure Group. This applies whether you stay with First Alternative or move to another insurer. You may just need to mail, fax or email a quick letter stating that you want to cancel as well as the effective date of cancellation. 5 star Defaqto car insurance from Direct Line. For more information on your how data will be used please click here. You have the minimum cover you need by law to use your car in: This may provide less cover than you have in the UK or the Isle of Man and is usually equivalent to the third party only cover available in the UK or the Isle of Man, with no cover for damage to your car. Car insurance is the easiest way to fulfill this requirement. First Alternative providers car insurance and multicar insurance. What is the CIE penalty for not having insurance? You can choose to pay your premium in a lump sum by debit card or credit card. The cancellation fees are detailed in your Agreement with esure Services Limited. 602443. Please see GOV.UK for up to date information. For further information on the Continuous Insurance Enforcement visit www.mib.org.uk, It is essential you tell us about any change of vehicle or vehicle registration number immediately so your records can be updated. We will respond to your request within one calendar month. Find out how we rate Sheilas' Wheels' car insurance policy against 31 other providers. There are a wide variety of reasons auto owners put vehicles in storage: changing seasons, extended travel, military deployment, college, changes in employment, classic auto restoration, mechanical breakdown, and the list goes on. If any driver has not been resident in Great Britain or the Isle of Man for the last 3 years. Please refer to your Policy Schedule for the correct fee if your policy was taken out before the dates shown in the table above. Can I renew my policy if I haven't yet received my renewal invitation? If there is no deal, Green Cards will be required for UK residents to driver their vehicles within Europe from the 30th March 2019. Please note that because of the insecure nature of emails we cannot accept any responsibility for data lost or intercepted in transit. The General Data Protection Regulation is a new EU regulation enhancing existing laws about the protection of everyone’s personal information, enforced in the UK from 25th May 2018. esure have always maintained robust controls and measures and continue to approach data protection with the same vigilance. It makes financial sense to get into the habit of reviewing your car insurance policy on a regular basis. We will tell you during the quote if this cover is not available. We are aware that there may be circumstances where you will not have the registration number – it may be that you are thinking of changing cars and would like an indication of premium. What should I do if my insurance policy is no longer suitable for my needs? £50 Co-op gift card when you buy a new Co-op Car Insurance policy For new customers who buy Co-op Car Insurance direct. What happens if my policy is going to renew whilst I'm travelling? Cancelling during the cooling-off period. Please see question 25 for details on Continuous Payment Authority. As long as no incidents have arisen which could result in a claim under your policy, we will refund the premium you have paid, less the administration fee, to take account of our costs in providing your policy. Do I qualify for an introductory discount? Should you do so, please note, that once opted out; your policy will not be automatically renewed. If you have any difficulty in obtaining this proof, please call us on 0345 607 0380. RH2 0SG As long as no incidents have arisen which could result in a claim under your policy, we will refund the part of the premium you have not yet used, less the cancellation fee to take account of our costs in providing your policy. This page is confirmation of your cover, and will display your policy number and cover start date. We keep our customers happy, by providing stellar customer service. Cover includes our 7-day car repair promise, a hire car for up to 21 days and onward travel to complete your journey. Consequences of Letting Your Car Insurance Lapse. The other contract is with esure Insurance Limited for underwriting the policy. ... (Car Insurance) - Posted 1 month ago Anonymous “ Needed to cancel my policy on a 18 year old car as it finally gave up. First Alternative Car Insurance is a Halifax and Bank of Scotland company. Before the renewal date of your policy, we will provide you with details of the terms on which your policy may be renewed and any changes to the policy cover. No, your AA breakdown cover is a separate policy to your car insurance. They also dictate how much notice insurers must give before cutting off coverage and how consumers can go about appealing the decisions. Esure Car Insurance Car insurance policies underwritten by Esure Services Ltd (including esure/Sheilas’ Wheels/First Alternative) are happy to support the two requests from the MOD. Yes. It's a great way to avoid any awkwardness with your soon to be ex-insurance company. Our Call Centre may be able to offer you a quote - please see contact details below. Your Agreement with esure Services Limited, If you or we cancel your policy within the 14 day cooling off period of the first period of your cover, If you or we cancel your policy during your first period of cover, but after the 14 day cooling off period, If you or we cancel your policy in subsequent periods of cover, For changes relating to your policy or payment details or additional administration of your policy, For a credit referral or unpaid / rejected Direct Debit. You may want to cancel an insurance policy if you have just bought it and have changed your mind. If you already have a policy with us and are buying a second car, but you do not have a second No Claim Discount to apply to it, then we may be able to help. If you'd like to upgrade your cover to the same level you hold in the UK, call us on 0345 607 0417. What must I do if my circumstances change during the period of insurance? If you choose to cancel your breakdown assistance cover after the 14 day period, we will refund the premium you have paid for your breakdown assistance cover less a pro rata charge for the time you have been on cover.Our right to cancel your policy The premium you paid for these additional services and benefits will also be refunded less a pro rata charge for the time you have been on cover. You must request this extension to your cover and agree it with us prior to travelling. If there is no deal between the UK and the EU, you may need an International Driving Permit to drive your vehicle outside of the UK. A premium discount of up to 15% is applied to your first year's premium when you buy a new comprehensive car insurance policy online, but not to optional cover. My original claim began in June 2005. Your cover allows use of your car for social, domestic and pleasure purposes, commuting to and from a permanent place of work and personal business use for you and your spouse/civil partner/partner, if named on the policy. Cancellation. If you are a company car user who is moving to your own insurance, we require a letter from your employer confirming: Please contact our sales team if you have any queries. Our friendly website makes it easy for you to get cheap car insurance quotes online. This document will explain the purpose and conditions of processing your data and how we use your data for fraud prevention. Please refer to question 4 to see what you need to provide as evidence of your No Claim Discount. In many cases, you are eligible for a refund when you cancel your car insurance. Registered in England & Wales, No. Often if you ring us we can sort things out for you straight away, with this in mind please call us first. To transfer your insurance from one car to another you will need to contact your insurance provider in the first instance to advise them as to your new vehicle details. Brand Cancellation fee Contact Number More info; 1300 Car Insurance: If you cancel the policy, a pro rata proportion of the premium may be deducted. If we have not received such evidence by the end of the 21 day period we will issue a cancellation letter and we will cancel your policy if we do not receive evidence of your no claim discount by the end of the seven day cancellation notice period; Where there is a material failure by you to take care of your car as required by the paragraph headed ‘Taking care of your car’ in the General Conditions applying to Sections 1 to 7 of this Policy Booklet; Use of threatening or abusive behaviour or language, or intimidation or bullying of our staff or suppliers. The registered keeper of a vehicle will be sent an Insurance Advisory Letter (IAL) if it appears that they have no insurance. Customer Relations Can I cancel my car insurance policy? This means that you can choose GoSkippy car insurance with confidence. The administration fee is detailed in your Agreement with esure Services Limited. But we don't believe in stereotypes and try to give new and young drivers more affordable first-time driver insurance. Most insurers charge administration fees and part of the reason for this is that if they didn't, the costs associated with people who make frequent adjustments would be borne by all policyholders. Keep Paying Your Car Insurance Premiums Until You’re Officially Ready to Cancel. Do I need to provide evidence of my No Claim Discount? In the event that you do not wish to renew your policy, you should tell us before the renewal date. If you're travelling over the 29th March 2019, you should contact us to order your Green Card 7-10 days before you travel. If you ask us, we will provide you with an international motor insurance certificate (Green Card). Bring two or more cars to First Alternative (for either you or your partner or anyone over 25 at the same address), and you will all benefit from an additional Partner Multicar discount on each policy. If possible we will add any additional costs or charges incurred throughout the policy to your monthly instalments, however, if we cannot do so for whatever reason, these must be paid at the time of the change. Generally speaking, if you cancel within the first 14 days most insurance companies won’t charge a fee for cancelling, but be aware that some will. First Alternative Car Insurance proves a FAQ section and a complete list of car insurance assumption to aid the customer in deciding if they are eligible for car insurance from First Alternative Car Insurance. It is now June 2006, and I am still trying to get my money back from First Alternative car insurance. More specifically, we have agreed to: • Allowing forces personnel to maintain their NCD status during their First Alternative Car Insurance is a Halifax and Bank of Scotland company. It is now June 2006, and I am still trying to get my money back from First Alternative car insurance. You can select from our list of cars to get a quotation, but should you decide that you want to buy a policy, the registration number will be required. You will get a … If you need longer contact us on 0345 607 0417, A Green Card is proof that you have the minimum legal requirement for Third Party liability insurance. This includes, but is not restricted to, changes to the engine, engine management or exhaust system, changes to the wheels or suspension system, changes to the bodywork, such as spoilers or body kits, paintwork or changes to the windows, such as tinting. How can I pay for my First Alternative policy? Once the cooling off period ends, you’ll need to pay cancellation charges. Cancelling your car insurance – what you need to know. All our call centres are UK based, filled with friendly staff, ensuring you have a good experience when you need to contact us. Registered in England and Wales (number 6489797) at Central House, 25 - 27 … A Green Card is proof that you have the minimum legal requirement for Third Party liability insurance. If you wish to insure more than 2 additional drivers. Will the information I provide be accessible by a third party? What is protected No Claim Discount for life? You may be able to add it for an additional annual premium at the start of your period of cover, if you have four or more years No Claim Discount. If you want to discuss your breakdown cover renewal, call the Membership team on 0343 316 4444. Yes, as well as comprehensive cover we also offer Third Party, Fire and Theft cover and Third Party only cover.