Important Information

Status Disclosure

Cornhill Direct is a trading name of Allianz Insurance plc. You will not receive advice or a recommendation from us. We only offer our own product for motor insurance. If you opt to add break-down cover to your motor policy this is underwritten by ELVIA Travel Insurance International N.V. (Netherlands) and is administered in the UK by Mondial Assistance (UK) Limited. Cornhill Direct has a contract with Mondial Assistance (UK) as the sole provider of this optional breakdown cover.

Data Protection Act Notification

The Data Controller is Allianz Insurance plc (the insurer).

The insurer and its associated companies may use the personal data that you supplied for the purposes of insurance administration. This data may be disclosed to the insurers and regulatory bodies such as the Financial Services Authority (FSA) for the purposes of administering and regulating your insurance. Your information may also be used for offering renewal, conducting research, statistical purposes and crime prevention. We may share these details with other insurance organisations (such as Loss Adjustors, or Investigators) to help handle claims.

Your personal details may be transferred to countries outside the EU. They will at all times be held securely and handled with the utmost care in accordance with all principles of the UK Law.

We will store your details but will not keep them for longer than necessary. Under the terms of the Data Protection Act 1998 you are entitled to a copy of all the information we hold about you for which we may charge you a fee.

We may share your details with other companies within the Allianz (UK) Group of companies or pass them to third parties so that we, or the third parties, may tell you of products and services which we think may interest you by telephone, or post.

If you do not want to know about these products or services, please write to us at Cornhill Direct, FREEPOST NATW263, Bristol BS32 4BR.

Fraud Prevention, Detection and Claims History

Insurers pass information to the Claims Underwriting Exchange register, run by Insurance Database Services Ltd (IDS Ltd). The aim is to help us check information provided and also to prevent fraudulent claims. We may at any time search the register including when we deal with your request for insurance. Under the conditions of your policy you must tell us about an incident (such as a fire or a theft) which may or may not give rise to a claim. When you tell us about an incident we will pass information relating to it to the database. We can supply more information on the database if you request it. You should show this notice to anyone who has an interest in property insured under this policy.

Allianz Insurance plc may seek information from other insurers and information agencies to check the information you may have supplied and Allianz Insurance plc may provide the information you have supplied to other insurers for the same purpose.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

• Checking details on applications for credit and credit related or other facilities
• Managing credit and credit related accounts or facilities
• Recovering debt
• Checking details on proposals and claims for all types of insurance
• Checking details of job applicants and employees

Please contact us on 0844 3914 108 if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Motor Insurance Database

Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver’s use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers’ Bureau and MIIC may search the MID to ascertain relevant policy information. Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from Allianz Insurance plc, or at www.miic.org.uk.

You should show these notices to anyone insured to drive the vehicle covered under the policy.

Law and Language applicable to Contract

Unless we agree otherwise:
a) the language of the policy and all communications relating to it will be English; and
b) English Law will apply to this contract of insurance.

Complaints Procedure

Our aim is to get it right, first time, every time. If we make a mistake we will try to put it right promptly. We will always confirm to you the receipt of your complaint within five working days and do our best to resolve the problem within four weeks. If we cannot we will let you know when an answer may be expected. If we have not sorted out the situation within eight weeks we will provide you with information about the Financial Ombudsman Service:

Please contact the Customer Satisfaction Manager at Cornhill Direct, 2530 The Quadrant, Aztec West, Almondsbury, Bristol BS32 4AW or telephone 0800 072 47 58.

Using our complaints procedure or referral to the Financial Ombudsman Service does not affect your legal rights.

Significant Exclusions to your cover

Cornhill Direct operate a keys in car exclusion. We will not pay a claim following theft or attempted theft if at the time of the loss or damage your car is unoccupied with the ignition key (or other removable ignition device) in or on your car.

Financial Services Compensation Scheme

You may be entitled to compensation from the Financial Services Compensation Scheme if we cannot meet our liabilities. For compulsory insurance you may be entitled to up to 100% of the claim. For all other types of insurance you may be entitled to compensation of up to £2,000 for the first part of the claim and 90% of the remainder of the claim. Further information about these arrangements is available from:

Financial Services Compensation Scheme,
7th Floor, Lloyds Chambers,
Portsoken Street, London E1 8BN
Telephone: 020 7892 7300
Fax: 020 7892 7301
Email: enquiries@fscs.org.uk
www.fscs.org.uk

14 Day Reflection Period

You may cancel this Policy within 14 days of the date you receive it. You can do this by telephoning or writing to us. If you choose to do this you are entitled to a refund of the premium that you have paid for this insurance. We will only charge a pro-rata premium plus £15 to cover our operational costs. This is subject to a minimum amount payable of £25 plus Insurance Premium Tax at the prevailing rate. If an incident has occurred that may give rise to a total loss claim, the full annual premium may be payable to us.

Providers of Additional Products

For your information, Cornhill Direct Accident Recovery and Cornhill Direct Rescue is underwritten by Mondial Assistance (UK) Ltd and underwritten by ELVIA Travel Insurance International NV as the insurer.

Additional Drivers

We do not offer an any driver Policy, however a further 7 additional drivers can be added which may affect the premium and terms.

Other information

Cornhill Direct is a trading name of Allianz Insurance plc registered in England no 84638 at 57 Ladymead, Guildford , Surrey GU1 1DB United Kingdom. Allianz Insurance plc is authorised and regulated by the Financial Services Authority, authorisation number 121849. This can be checked by visiting the FSA website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Conditions of Quote

The information that you provide and the declarations that you make when obtaining a quote are the basis of the contract of insurance between you and Allianz Insurance plc.

When providing information in order to obtain your car insurance policy you must ensure all the information given is true and complete and that all material facts are disclosed.

A material fact is one that is likely to influence us in the assessment or acceptance of this risk e.g. any offence including non motor related offences If you are in any doubt as to whether a fact is material, you must disclose it. You can telephone us free phone on 0800 32 888 31.

Failure to ENSURE THE INFORMATION YOU PROVIDE IS TRUE AND COMPLETE AND THAT ALL MATERIAL FACTS HAVE BEEN DISCLOSED may mean that your policy becomes invalid or does not operate in the event of claim.

Please confirm that the following statements are true.

You and all other drivers

• have not been refused insurance or had terms imposed, had cover cancelled or declined;
• have not been convicted of any non-motor criminal offence, have any criminal prosecutions pending or received a police caution in the last 5 years;
• have not been disqualified from driving at any time in the last 5 years;
• have no connection with any of the following businesses or professions, entertainment industry, fashion industry, foreign service or diplomatic personnel, gambling industry, general dealers, market traders, mini-cab drivers, professional sports, salvage or scrap merchants; and
• have not been required to notify a medical condition to the DVLA or if a driver has, the DVLA have confirmed that the driver can keep their licence.

Drivers are required by law to inform the Drivers Medical Branch at the DVLA if they have any disability (including any physical or mental condition) which is or may become likely to affect their fitness as a driver.

Please Click Here to view a list of medical conditions which may affect your fitness as a driver.

The car:

• is a UK model and manufactured specifically for use in the UK;
• has not been modified or altered in anyway (including wheels, suspension, bodywork and engine) other than high level brake lights, security equipment, sun roof or tow bar;
• is registered in the UK;
• does not have more than 8 seats (including driver);
• is not a van, commercial vehicle, motor caravan or car with only three wheels;
• is only used in accordance with the Class of Use you have selected;

The car is not used in connection with or for:

• the motor trade;
• hiring, Carrying passengers for reward;
• commercial travelling unless this is included in the class of use you selected; or
• racing, speed testing, competitions, rallies, trials or on track days.

I confirm that the above statements are true and complete to the best of my knowledge and belief.

If you do not agree with the above conditions or you are unsure of any of the terms please contact us on 0800 32 888 31.