aviva car insurance

Important Notice – Information and changes we need to know about

The principal policyholder must always take reasonable care to give full and correct answers to the questions we ask.
Your quote is based on the assumption that any notifiable illness or disability has been advised to the DVLA for you or any named driver, and that they have agreed to the issue of a licence. Please let us know if this has changed or is incorrect.
You must also tell us if anything on your schedule, certificate of motor insurance or, ‘Information Provided by You’ document is incorrect or changes during your policy period.

You also need to tell us about:
●A change to the persons insured.
●Motoring convictions (driving licence endorsements, fixed penalties or pending prosecutions for any motoring offences) for any of the persons insured, or to be insured.
●Criminal convictions for any of the persons insured, or to be insured.
●A change of vehicle.
●Any vehicle modifications.
●Any change affecting ownership of the vehicle.
●Any change in the way that vehicle is used.

When you tell us about a change we will tell you if this affects your policy (for example if we can no longer offer cover or if we need
to change your premium). If you don’t give us full and correct information, or tell us about the above changes, we may:
●change your premium, excess or cover

●refuse to pay all or part of a claim or cancel your cover.
If you are unsure whether you need to tell us of a change please call 0345 030 6984.
It is an offence under the Road Traffic Acts to provide incomplete or inaccurate information to the questions asked in your application for the purpose of obtaining a certificate of motor insurance.
We recommend you keep a record (including copies of letters) of all information provided to us for your future reference.

How your Personal Information is used and shared by insurers and databases in relation to motor insurance

The Personal Information you provide will be used by us and shared with other insurers as well as certain statutory and other authorised bodies for:

  • anIncseuurnderwriting purposes. To examine the potential risk

in relation to your (and/or a third party’s) prospective policy so that we can:

  • Consider whether to accept the relevant risk;
  • Make decisions about the provision and administration of insurance and related services for you (and members of your household);
  • Validate your (or any person or property likely to be involved in the policy or claim) claims history (at any time including upon application for insurance, in the event of an accident or a claim, or at a time of a mid-term adjustment or renewal).
  • emMaent gInformation purposes. To analyse insurance and other markets for the purposes of:
    • Portfolio assessment;
    • Risk assessment;
    • Performance reporting;
    • Management
  • auAdntpi-ufrrposes. To detect and prevent fraudulent claims and/ or activities by:
    • Sharing information about you with other organisations and public bodies including the police;
    • Tracing debtors or beneficiaries, recovering debt, managing your accounts and/or insurance policies;
    • Undertaking fraud Insurers pass information to fraud prevention agencies and databases including the Claims and Underwriting Exchange Register and where appropriate the Motor Insurance Anti-Fraud and Theft Register by the Motor Insurance Bureau (MIB). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers.
  • e Cwoitmhpleligaanlcobligations and responsibilities, including:
    • Claims management – In the event of a claim we may need to disclose information with any other party involved in that claim,

e.g. third parties involved in the incident, their insurer, solicitor or representative and medical teams, the police or other investigators. We also may have to investigate your claims and conviction history;

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  • Complaints management – If you make a complaint about the service we have provided, we may be obliged to forward details about your complaints, including your Personal Information, to the relevant ombudsman;
  • Information about your insurance policy will be added to the Motor Insurance Database (MID) managed by the MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police, the Driver and

Vehicle Licensing Agency (DVLA), the Driver and Vehicle Agency Northern Ireland (DVA), the Insurance Fraud Bureau and other bodies permitted by law. This information may be used for purposes permitted by law, which include:

  • trEolneicc Licensing;
  • Continuous insurance enforcement;
  • orLcaewmeennft (prevention, detection, apprehension and/ or prosecution of offenders);
  • ovTihsieopnrof government services and/or other

services aimed at reducing the level and incidence of uninsured driving.

If you are involved in a road traffic accident (either in the UK, the European Economic Area or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information.

Individuals who may be citizens of other countries or their appointed representatives making a claim in respect of a road traffic accident may also obtain relevant information which is held on the MID. It

is vital that the MID holds your current registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the police and/or a fixed penalty notice.

You can check that your current registration number details are shown on the MID at www.askmid.com

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How your Personal Information will be processed

  • orInmfation which is supplied to fraud prevention agencies and databases, g. the MIB and MID can include details like your name, address and date of birth.
  • ouYr data may be supplied to databases in order to facilitate automatic no claim discount validation
  • ouYr data may be transferred to any country, including countries outside of the European Economic Area, for any of the purposes mentioned
  • Under your policy you must tell us about any incident (e.g. an accident or theft) which may or may not give rise to a When you tell us about an incident, we will pass information relating to it to the fraud prevention agencies and databases, e.g. the MIB.

 

How we use your Driving Licence Number

Insurance underwriting purposes i.e. to examine the potential risk in relation to your (and/or a third party’s) prospective policy so that we can:

  • ovPirde your (or any person included on the proposal) Driving

Licence Number (DLN) to the DVLA to confirm your (or the relevant person included on the proposal) licence status, entitlement and relevant restriction information and endorsement/conviction data. Searches may be carried out prior to the date of the insurance policy and at any point throughout the duration of your insurance policy including at the mid-term adjustment and renewal stage.

A search of the DLN with the DVLA should not show a footprint against your (or another relevant person included on the proposal) driving licence;

  • arScehes may be carried out at point of quote and, if an insurance policy is incepted, at the mid-term adjustment and renewal

Please note that if you give us false or inaccurate information it may invalidate your insurance policy/prospective insurance policy or it could affect the amount we pay to settle any claims you make under the policy.

We can supply on request further details of the agencies and databases we access or contribute to and how this information may be used. If you require further details, please contact us.

For details relating to information held about you by the DVLA please visit www.dvla.gov.uk

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Fraud prevention and detection

In order to prevent and detect fraud we may at any time:

  • akUensdeearrtches against your (or any person included on

the proposal) DLN against details held by the DVLA to confirm your licence status, entitlement and restriction information and endorsement/ conviction data. This helps insurers check

information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure. A search of the DLN with the DVLA should not show a footprint against your (or another relevant person included on the proposal) driving licence;

  • e Sinhfaorrmation about you with other organisations and public bodies including the Police;
  • akUencdreerdtit searches and additional fraud searches;
  • Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record

We and other organisations may also search these agencies and databases to:

  • e Hdeclpismionaks about the provision and administration of

insurance, credit and related services for you and members of your household;

  • raTce debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies;
  • Check your identity to prevent money laundering, unless you provide us with other satisfactory proof of identity;
  • taCilhseocfkjodbeapplicants and

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Your cancellation rights

The principal policyholder has a statutory right to cancel this policy within 14 days from the day of purchase or renewal of the contract or the day on which the principal policyholder received the policy or renewal documents, whichever is the later.

  1. If cover has not yet started the principal policyholder will receive a refund of any premium
  2. If cover has started the principal policyholder will receive a refund as set out in (a), less a proportionate deduction for the time we have provided cover plus an additional charge of £38 (plus Insurance Premium Tax, where applicable) to cover our administrative

For your cancellation rights outside the statutory cooling off period, please see the GENERAL CONDITIONS in your policy booklet.

It is the principal policyholder’s responsibility to notify all persons insured that this policy has been cancelled.

To cancel please call 0345 030 6984

 

Claims history

  • Under the conditions of your policy you must tell us about any insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a When

you tell us about an incident we will pass information relating to it to a database.

  • arWche tmheasyesedatabases when you apply for insurance, in

the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim.

We can supply on request further details of the databases we access or contribute to. If you require further details please contact us.

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Renewing your insurance

We will contact you in writing at least 21 days before your renewal date and will either:

  • give you an opportunity to renew your insurance for a further year; or
  • let you know that we are unable to renew your If we don’t offer renewal we will tell you why, for example:
  • odthuectpirs no longer available;
  • eawseonr ably suspect fraud;
  • your claims history is poor;
  • we have changed our eligibility criteria;
  • you no longer meet our eligibility criteria; or
  • you have not taken reasonable care to provide complete and accurate answers to the questions we See the ‘Important Notice – Information and changes we need to know about’ section within this document.

If we offer renewal we will tell you:

  • about any changes we are making to your policy terms and conditions;
  • otcheck this insurance continues to meet your needs;
  • otcheck that the information we have is still correct; and
  • t yneeaxr’s pric

If you wish to make any changes at renewal, please call 0345 030 6984.

A cooling off period (14 days from renewal of the contract or the day on which you receive your renewal documentation, whichever is the later) applies at the renewal of your insurance. Please see ‘Your cancellation rights’ below which explains how this works.

Ensuring you have continuous cover

If you are thinking of cancelling or not renewing with us, make sure you can get the alternative cover you need before your policy ends.

Making a claim

Should you need to make a claim under this policy, please contact us: Motor claims in the UK:

Go online at aviva.co.uk/make-a-claim or if you need to talk to us call 0345 030 6925.

Motor claims in Europe:

Contact: (00 44) 160 360 3047

Motor Legal claim:

Contact: 0345 030 6925 Motor Legal advice:

Contact: 0345 300 2970

Complaints about a claim*:

Contact: 0345 030 6925

Lines are open 24 hours a day.

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Automatic renewal of your policy

Where we offer you renewal terms and you have selected a continuous premium payment method, you will be notified in writing at least 21 days before your renewal date that the policy will automatically be renewed and the renewal premium collected by your chosen payment method.

You can stop your policy from automatically renewing free of charge at any time:

  • t MonylAinveiva
  • alolirnbgy0c345 030 8607

We will not automatically renew your policy if:

  • onyotauchteadveusc to cancel your continuous payment authority
  • we no longer offer you the continuous payment method if, for example, you have a poor payment or credit history
  • you have opted out of Automatic Renewal

If any of the above happens we will tell you in your renewal letter and ask you to contact us to make payment before we can renew your policy.

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What to do if you are unhappy

If you have a complaint about a motor claim please call us on 0345 030 6925.

If you have a complaint about your rescue/breakdown insurance please contact RAC on 0330 159 0337 or by emailing Aviva@rac.co.uk.

If you have a complaint about anything else related to your motor insurance please call us on 0345 030 6984, or write to:

Customer Relations, Cruan Business Centre, Westerhill Business Park, 123 Westerhill Road, Bishopbriggs, Glasgow G64 2QR.

We will acknowledge your complaint promptly. If we can’t fully investigate and respond to your complaint within in 10 working days, we will let you know our expected response date. If you are unhappy with the outcome of your complaint you may refer the matter to:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Telephone 0800 023 4567 (free from UK landlines and mobiles) or 0300 123 9123 Website: financial-ombudsman.org.uk

Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure does not affect your right to take legal action.

You can also use the European Commission’s Online Dispute Resolution (http://ec.europa.eu/odr) service to make a complaint. The purpose of this platform is to identify a suitable Alternative Dispute Resolution (ADR) provider and we expect that this will be the Financial Ombudsman Service. Please be aware that the Financial Ombudsman Service will only be able to consider your complaint after we have had the opportunity to consider and resolve it.

Financial Services Compensation Scheme

Depending on the circumstances of your claim you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) if we cannot meet our obligations. See fscs.org.uk for more details.

Choice of law

The law of England and Wales will apply to this contract unless:

  • t tahe date of the contract you live in Scotland, Northern Ireland,

the Channel Islands or the Isle of Man, in which case the law of that country will apply; or

  • you and we agree

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Use of Language

All communications relating to this contract will be in English.

 

Aviva Regulatory Status

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with firm reference no 202153. Details of our registered address can be found at the end of this document. You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting their website fca.org.uk.

Copy of document availability

If you would like to receive copies of your policy documents in paper, please call us on 0345 030 6984. Copies will be provided free of charge.

Telephone call charges and recording

Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minutes plans from landlines

and mobiles. For our joint protection calls may be recorded and/or monitored.

Need this in a different format?

Please get in touch if you’d prefer a document in large font, braille or as audio.

Call us on 0345 030 6984.

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