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  • Terms of Business – xyzinsurance
    available upon request Documentation We may keep certain documents such as your insurance policy documents or certificates whilst we are awaiting payment of premiums and administration charges In these circumstances we will ensure that you receive full details of your insurance cover and will provide the documents which you are required to have by Law Cancellation Should you wish to cancel your policy at any time during the period of cover please contact this office on 0844 557 1363 In addition you must put your request in writing at the same time returning the certificate of insurance Cancellation will only be effective form the date the letter and certificate are received by the Insurance Company On a return premium we repay commission on the amount to the insurer and this will be deducted from the final amount refunded to you together with any monies owed to your finance provider if applicable Policy fees are non refundable If any direct debit or other payment due in respect of the credit agreement you enter into with the Finance Providers to pay insurance premiums is not met when presented for payment or if you end the agreement or if you do not enter into the agreement we will be informed of such events by the credit providers If you do not make arrangements with us to pay the insurance premiums you acknowledge and agree that we may at any time after being so informed instruct on your behalf the relevant insurer to cancel the insurance or if this occurs shortly after the start or renewal of the insurance to notify the insurer that the policy has not been taken up and to collect any refund of premiums which may be made by the insurer and if any money is owed to the Finance Providers under your credit agreement to pay it to the Finance Providers or if they have debited us with the amount outstanding we will offset our costs You will be responsible for paying any time on risk charge Please note no refunds will be due if you have been involved in any claims payment by instalments or Classic Car Schemes Breakdown and Legal Expenses Cover if applicable are not refundable No refund will be due on Non Cancellable Policies after an applicable cooling off period Due to the costs involved any refund of premium less that 20 00 after deduction of commission and charges will not be refunded The specific charges will be advised to you in advance Your Insurers may calculate their cancellation refund by applying short period rates This means that the refund of premium will not be proportionate to the annual premium and the time on cover and may give rise to a deficit in the premiums paid and those required by your insurers Where bad debts occur we reserve the right to charge interest on the debt to pass on any fees or charges we incur and to collect the outstanding balance from the credit or

    Original URL path: http://www.xyzinsurance.co.uk/terms-of-business/ (2016-04-24)
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  • Privacy Policy – xyzinsurance
    organisations professional advisers and mediation companies to administer and regulate your insurance help offset risks and prevent fraud Any information you supply to us must be accurate and up to date and you should inform us if any such information requires updating How do we use your personal information We will use your information for the purpose of Insurance contract administration Additionally XYZ Insurance Services LTD and other selected third parties may use the information to inform you about any products services and offers we may consider to be of interest to you We will do this by writing to you by telephone by fax by email or by access to our website Your information may also be disclosed and used for these purposes after your policy has lapsed If you do not wish your data to be used in this way please write to us at the following address XYZ Insurance Unit 2 Kings Road Charfleets Industrial Estate Canvey Island Essex SS80QY If for any reason you do not want to receive this information please email us at info xyzinsurance co uk There is a tick box that you have to accept before entering the quote system which says the following Please confirm that you have read and accept our privacy policy and terms of business Cons We run cons on our website in which we ask visitors for contact information for example email address and demographic information such as post code age or income level Contact information from the cons is used to ship purchases and provide information about our company The customer s contact information is also used to send promotional material to our customers and to get in touch with the visitor when necessary You may opt out of this by emailing us at info xyzinsurance co uk How do you access the personal information we hold about you Under the terms of the Data Protection 1998 you are entitled to a copy of all the information we hold about you You can do this by writing to us including your name and address enclosing a cheque or postal order for 10 made payable to XYZ Insurance Services LTD What about third party websites that you can access via the Site The Site contains links to other websites which are outside our control and are not covered by this Privacy Policy If you access other websites using the links provided the operators of those websites may collect personal information from you which will be used in accordance with their respective Privacy Policies which you should read We are not liable for the practices of such third party website operators in respect of your personal information Security of your data Under the Data Protection Act we can only discuss your details with you If you would like anyone else to act on your behalf please let us know Your personal details may be transferred to countries outside the European Economic Area however they will at all times

    Original URL path: http://www.xyzinsurance.co.uk/privacy-policy/ (2016-04-24)
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  • Motor Trade FAQs – xyzinsurance
    general public by any negligence caused by the trader Will my motor trade insurance be expensive if I have not had been a motor trader for long or if I do not have any motor trade no claim bonus Here at XYZ Insurance we have specialist schemes available for motor traders with no motor trade no claim bonus or if you are new to the industry If you have no claim bonus on a private car we will take this into account and apply a discount allowing us to offer you a competitive motor trade insuranc quotation We also have heavily discounted schemes available for motor traders who have been driving a rental vehicle or on somebody else s policy and can obtain proof of this As a young company ourselves we are aware that everybody has to start somewhere and have very competitive schemes for new motor traders What cover do I have to have The choice of cover is yours we will be able to offer you Full Comprehensive Third Party Fire and Theft or Third Party Only Can you also cover me to drive in connection with another business that is not related to the motor trade Yes We can extend your motor trade insurance policy to cover business use but ask our advisor at quote stage as it is absolutely no problem for us What is demonstration cover Demonstration cover is an endorsement that allows someone you may wish to test drive your vehicle You will have to accompany the purchaser on the test drive by sitting next to them Do you only cover full time motor traders No XYZ Insurance can offer motor trade insurance for both full and part time motor traders Can I add my partner wife husband to the policy for social

    Original URL path: http://www.xyzinsurance.co.uk/motor-trade-faqs/ (2016-04-24)
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  • Top 5 Resources for Finding Great Car Insurance – xyzinsurance
    they are looking for and then get told about the best deals relevant to them Any additional requests or particular circumstances can be included when finding a policy enabling brokers to provide the quickest route to high quality insurance deals 2 Friends Family If you are buying a car for the first time and so shopping for insurance for the first time speak to your friends and family What insurance cover do they have what are the benefits associated with it and how much does it cost This can be especially fruitful if you have someone close with an insurer that offers discounts for introducing new customers as you will potentially enjoy a healthy discount on your policy 3 Car Dealers Car dealers especially if they are selling one manufacturer s models exclusively will often have great knowledge about the best places to look for insurance Yes they might point you to a broker or a specific insurance company but at least you ll have an idea of where to start The best car sellers have done their research and know roughly what a car will cost to ensure and who with After all things like the likely insurance costs are a big part of deciding what car to buy in the first place 4 Price Comparison Sites These are useful for getting an idea of price rather than for actually buying the insurance as you can quickly find yourself being bombarded with sales phone calls and emails several times a day You should also remember that some insurers don t have their prices on such websites Get an idea of how much you can expect to pay and use it as a negotiating tool 5 Your Employer This might seem like an odd place to look but it is

    Original URL path: http://www.xyzinsurance.co.uk/top-5-resources-for-finding-great-car-insurance/ (2016-04-24)
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  • Do You Need to Protect Your No Claims Discount? – xyzinsurance
    year and the law of averages says you are more likely to have an accident Do you really need to protect your no claims discount What is No Claims Discount Protection In a nutshell it is a policy on top of a policy Say you have a no claims bonus based on five years of accident free driving While you will receive the necessary reduction on your insurance premium the exact percentage or fee of which depends on your insurance provider or broker you can choose to pay an additional fee to protect your no claims discount Then if you have an accident your no claims discount remains in place the next time you renew In effect you are wiping the accident from your quote which should keep at least in theory the price low Should I Protect It Although insurance companies ask about all accidents irrespective of fault at the end of the day if five people a year hit you from behind when you are sat at a red light it is likely assuming you are a safe driver and are able to slow down in plenty of time that most probably all were not your fault Therefore while an insurer might deduce that you are more likely to have an accident for whatever reason could be related to where you drive how much you drive the time of day you drive for example the truth is that the fault element is still a big factor in coming up with a premium If you feel you are a safe driver then there perhaps is no reason for you to protect your no claims discount especially when many insurers now include protection from non insured drivers as part of their standard policies anyway If it helps you be more

    Original URL path: http://www.xyzinsurance.co.uk/do-you-need-to-protect-your-no-claims-discount/ (2016-04-24)
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  • Tips for Finding a Chauffeur Insurance Broker – xyzinsurance
    a number of solutions They are often able to offer great deals too as insurers will offer a discount to broker customers in return for the extra business being sent their way Finding a Broker To find the best broker to provide your chauffeur insurance premiums first look at their website Does the text look as you would expect it to Do they talk about the different types of chauffeur insurance available or is it a simple Hey we do chauffeur insurance why not buy it here You will be able to tell whether a broker is good enough from this first impression but then you will need to get into the details of what they offer Here are some questions you might ask of them If I need to speak to someone or make a claim do I deal with yourselves or the insurance company Can I cover a vehicle for personal use on the same policy You might need to do this if you drive an executive car for example and perform chauffeur duties on the side If I provide customer testimonials and prove I am a reliable driver can you offer reduced premiums Can I get public liability insurance within my premium and when put in the premium is it cheaper than if I purchased it myself You might also want to ask questions around the times you can chauffeur and where you can park your vehicle as some policies might only allow you to use a particular car or be working until 11pm for example Tips to Remember The best insurance policies only come available if you have the most accurate idea of what you will be doing Where will you be driving at what time and what will you be doing in between dropping off

    Original URL path: http://www.xyzinsurance.co.uk/tips-for-finding-a-chauffeur-insurance-broker/ (2016-04-24)
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  • Tips for Finding a Courier Insurance Broker – xyzinsurance
    you decide the type of policy you want and then fill in the relevant details to get a quote There are many intangibles related to courier insurance As it is such a specialist market finding a knowledgeable broker makes sense Brokers generally have healthy and productive relationships with insurance companies and you are the one that reaps the benefits of these not only with the cost but also with add ons such as free or heavily discounted breakdown cover and legal assistance What to Ask In addition to finding a broker based on reputation and what you hear from other couriers you may already know asking a series of simple questions when seeking out a broker will help you discover whether they are likely to be useful Consider asking the following What savings can I expect to make by using a broker What options do you offer so I can enjoy courier insurance that is 100 tailored and built around my own requirements Do the insurers you work with offer different levels of cover based on the value of goods I will be carrying as well as overseas cover Which companies do you work with overseas so if I breakdown or have an accident in a foreign country I can be recovered and continue working as soon as possible All of these questions will help to inform you about whether a broker is going to be worthwhile for you Things to Think About As well as the points above think about the level of service you receive at the sales stage Does your broker seem interested in getting you the best cover or are they simply trying to make a sale It is amazing how much a simple observation can tell you and it could lead to you choosing the

    Original URL path: http://www.xyzinsurance.co.uk/tips-for-finding-a-courier-insurance-broker/ (2016-04-24)
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  • What Should Chauffeur Insurance Policies Cover? – xyzinsurance
    able to find you a policy that covers the vehicle both when chauffeuring and being used by yourself If you are driving a limousine or another vehicle specifically associated with chauffeuring then you might be able to bolt on chauffeur insurance to the specialist insurance you need for the specific vehicle Look for your policy to include damage done by customers so you can potentially claim for repairs and even cleaning of the vehicle where necessary Replacements This point is massive if chauffeuring is your main source of income ensure your policy offers a replacement vehicle irrespective of who is at fault when yours is off the road It might not be something you ever use but having the option is better than the sum of money you will potentially lose without it Breakdown Cover The experience your customers have when being chauffeured around in your vehicle will dictate whether they use you again Most of the time you cannot control whether a car will break down but you can control how quickly problems are addressed By ensuring you have breakdown cover included in your policy your customers will be assured they can get where they need to be despite any issues The break down is not ideal but protecting your reputation by ensuring there is something in place quickly is a must do Public Liability Cover Do not take it for granted that this will always be included ask not just that it is there but to what amount of money you are covered It sounds like one of those things that could never happen to you but it just takes one accident where a customer or another member of the public is involved and you could be looking at being liable for vast costs Ensure you are covered

    Original URL path: http://www.xyzinsurance.co.uk/what-should-chauffeur-insurance-policies-cover/ (2016-04-24)
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web-archive-uk.com, 2016-10-26