Chaucer Direct is a trading name of Chaucer Insurance Services Limited (CISL). CISL is a wholly owned subsidiary of Chaucer Syndicates Limited which is registered in England (No. 184915) Registered office: Plantation Place, 30 Fenchurch Street, London EC3M 3AD.
Regulation
CISL is authorised and regulated by the Financial Services Authority (FSA) as an intermediary. The FSA Registration number is 475572. Chaucer Syndicates Limited is also authorised and regulated by the Financial Services Authority (FSA), the FSA Registration number is 204915.
You can check this on the FSA's Register by visiting the FSA's website www.fsa.gov.uk/fsaregister or by contacting the FSA on 0845 606 1234.
Accuracy of information
Before completing your quote, please read the questions and answers again. It is an offence at law to make a false statement for the purpose of obtaining an insurance contract. All questions which you are asked must be fully and accurately answered. Failure to do so could invalidate your insurance policy or mean that all or part of any claim may not be paid. All questions must be answered in relation to you and all persons who are to be insured if you are in any doubt how to answer please contact Chaucer Direct.
Cancellation
You have the right to change your mind and cancel this policy (without giving any reason) within 14 days of receiving the policy documents or the start of the policy, whichever is later. If you do this, the insurer will only charge you for the period of time that you have been covered plus a £20 administration fee. We will only charge you for the time you have been covered if you cancel the policy after this initial 14 day period but the administration fee may be increased to £65 dependent on how your policy was arranged. In either situation you must return the Certificate of Motor Insurance to us.
Chaucer Direct Learner Driver policyholders need to refer to the following
Terms of Business.
Renewal
We will write to you 21 days before your policy expires with full details of your next year's premium and policy conditions. Unless we are told otherwise, we will automatically renew your policy. If you paid by credit / debit card last year, we will use the same method of payment and will debit the card that was used most recently to make a payment. If you do not want to renew this policy, all you need to do is call us prior to renewal to let us know.
Chaucer Direct Learner Driver policyholders need to refer to the following
Terms of Business.
Complaints process
If you have a complaint about the service provided to you by Chaucer Direct, you may write to the person at the address shown in the Terms of Business.
If you remain dissatisfied with the Chaucer Direct response, you can refer the matter to the Financial Ombudsman Service (details will be made available at the appropriate stage of the complaints process).
Compensation scheme
Chaucer Insurance Services Limited (trading as Chaucer Direct) and Chaucer Insurance are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Chaucer Direct or Chaucer Insurance cannot meet their obligations.
You can get more information about compensation scheme arrangements from the FSCS.
Administration fees
Chaucer Direct will charge an administration fee in the following circumstances:
-
Mid-Term Adjustment to the policy - £20
-
Posted Duplicate Documents - £10
-
Cancellation within the first 14 days - £20
-
Cancellation outside of the first 14 days - up to £65 (dependent on how your policy was arranged).
Chaucer Direct Learner Driver policyholders need to refer to the following
Terms of Business.
Data Protection Notice
Please read this carefully, as it contains important information relating to the details that you will give / have given us.
We are required to make you aware of this information to comply with Data Protection Act 1998. It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims. The savings that we make help us to keep premiums and products competitive.
You have a right to access personal information that we hold about you. For details relating to information held about you please contact the Data Protection Officer at Chaucer Syndicates Limited at the address below or telephone 0207 397 9700.
For details relating to information held about you on the Claims Underwriting and Exchange Database and the Motor Insurance Anti-Fraud and Theft Register please visit
www.insurancedatabases.co.uk/default.aspx.
HOW WE WILL USE YOUR DATA
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:
-
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 renewal)
Management information purposes i.e. to analyse insurance and other markets for the purposes of:
-
portfolio assessment;
-
risk assessment;
-
performance reporting;
-
management reporting;
Anti fraud purposes i.e. 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 searches. Insurers pass information to the Claims Underwriting and Exchange Database and where appropriate the Motor Insurance Anti-Fraud and Theft Register administered by Insurance Database Services Limited (IDSL). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers.
Compliance with legal obligations and responsibilities :
-
Claims management – In the event of a claim we may need to disclose information with any other party involved in that claim such as 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;
Motor Insurance Database - Information relating to your insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers' Bureau (MIB). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVLNI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
-
Electronic Licensing
-
Continuous Insurance Enforcement;
-
Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
-
The provision of 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.
Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the 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 check that your correct registration number details are shown on the MID at www.askmid.com;
Complaints management - If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal information, to the relevant ombudsman.
HOW YOUR DATA WILL BE PROCESSED
Information which is supplied to IDSL and MID can include details such as your name, address and date of birth together with details of any injury arising from a claim.
Your data may be transferred to any country, including countries outside of the European Economic Area, for any of the purposes mentioned above.
Under the conditions of your policy, you must tell us about any incident (such as an accident or 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 IDSL.
You should show this notice to anyone insured to drive the vehicle covered under this insurance.
Misuse of email
Don't be concerned that we will misuse or 'sell-on' your email address. We know how frustrating it can be to receive unwanted 'SPAM' emails, but we need your email address in order to contact you. Please see the Notice - Data Protection advice above if you have any concerns.
Previous terms imposed
Any policy which your insurer issues will be based on the assumption that no driver under the policy has previously had special terms imposed by a motor insurer. If this is not the case you must contact us to discuss the matter. Failure to contact us where appropriate could invalidate your insurance and result in a claim not being paid.
Telephone number
Quotations and new business queries call 01227 284848
Existing customer queries, changes to your policy, address, named drivers, level of cover etc and other queries from existing customers call 01227 28 40 20
The lines are open from
8am to 8pm Monday to Friday
9am to 5pm Saturdays
10am to 4pm Sundays and Bank Holidays