Terms & Conditions

A.              General

1.These Terms and Conditions apply to your use of the website icarsinsurance.com and our services.

2.By using this website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions you should not use this website or our service.

3.We may change these Terms and Conditions occasionally. We will upkeep any previous terms you have already agreed to if we change the terms in the future however you will also be bound by any amended clauses added to the terms and conditions. If you do not agree with the amended Terms and Conditions, you are entitled to stop using this website and our services at that time.

 

B.               Definitions

1.“You” and “Your” means the person who wishes to use the website

2.“We” “Us” and “Our” means Icars Insurance, a trading name of Icars Insurance, 6 St Mark’s Street, Bolton, BL3 6NR its employees and agents, we may transfer our rights under these terms and conditions.

 

C.               Use of the Website

1.You will not do anything that affects the integrity or security of the website or causes unreasonable inconvenience to any of our staff.

2.ICARS Insurance is not the insurer but provides consultancy services and services of intermediary nature. Please be aware we do not offer any advice or recommendation as to the suitability of any policy to individual or business client’s circumstances. We simply search the market for the best rate on a non-advice basis. We may describe policy features, but it is the client’s decision to buy.    

3.You will not gather, extract, download, reproduce and/or display or advertise on any other website

 

D.       Our services do not include: 
- Trading or advising in investments
- Dealing with home mortgage

– advising about stock market and share market

– Issuing e-money

– Operating a multilateral trading facility

– Managing investments

– Safeguarding and administering investments

– Sending dematerialised instructions

– Establishing collective investment schemes

– Establishing stakeholder pension schemes

– Providing basic advice on stakeholder products

– Lloyd’s market activities

– Entering funeral plan contracts

– Arranging home finance activities

– Entering into a home finance activity

– Administering a home finance activity

 

           In terms of Insurance services we do not:
- Accept deposits
- manage or execute insurance policies as a rule
- Assisting in the administration and performance of a contract of insurance

 

As outlined in clause D , as a service based company we do not perform any of the above regulatory activities, therefore in conjunction with The Financial Services & Markets Act 2000 (FSMA) we are not required to be authorised and regulated by FCA and PRA, as we do not conduct in the regulated activity of assisting in the administration and performance of a contract of insurance. In terms of handling personal and sensitive data and payment information we are registered with ICO as per Data Protection Act 1998 and made our declarations to the information commissioner

 

E.        Consultancy and advisory services as described by the Information Commissioner’s Office, for the purpose of Data Protection Act 1998

 

 

1.Purpose Description:                       We use personal information provided by the customer to help us provide accurate advice and consultancy services.We promote our services, to maintain our own accounts and records and to support and manage our employees. In terms of handling personal and sensitive data and payment information we are registered with ICO as per Data Protection Act 1998 and made our declarations to the information commissioner.

2.Personal Details:

•Names and titles

•Vehicle details

•Physical address and address history

•Contact details including telephone numbers and email addresses

•Date of birth

•Gender

•Family, lifestyle and social circumstances

•Business activities of the person whose personal information we are processing

•Goods and services provided

•Financial details

•Education and training details

•Physical or mental health details

•Offences and alleged offences

•Racial or ethnic origin

•Religious or other beliefs of a similar nature

3.Data collected from:

– Customers, clients and employees, complainants and enquirers, suppliers, advisers and other professional experts.

 

F.         Our Service

         ICARS Insurance will provide an insurance policy that is tailored to the clients specification. We are not a broker or agent provider for any particular insurance company however we do advise suitable policies for the client. Our services is insuring that you save your money through research and expertise, filtering through many insurance providers and websites to find the best suited quote for you. Our specialists will manually process all the legitimate information provided by the customer with assured confidence. We provide you with a range of policies that come from the direct insurers and providers that is suited for the client with the details provided. ICARS Insurance does not sell personal information to third party companies and does not recommend any personal adjustments on circumstances in response to the suitability of a policy or provider. Taking into account all the clients requirement we find the best suited quote however we cannot amend the insurance policy itself. Our service does not include any charges from insurer or broker that may arise later on if you instruct any amendment or alteration to the policy after setting up, like change of car or change of address. When we work on the clients Quote we always process the data and payment information according to Data Protection Act 1998.

 

G.        Price Quotes

1.                You should receive the results of your enquiry within 24-48 hours by text (sms) to the mobile number provided and or by email. You will also be contacted by telephone to discuss where you will have the opportunity to learn more about the policy features. However, we are completely reliant on the availability of the third party sites and on the overall performance of the internet . At certain times specific Quotes are not available. You will be advised if this is the case and under these circumstances we will contact you to advise when your quote is ready.

 

H.        Services Rendered

Full details of any fees for amendments related to your policy that you directly pay to your insurer can be found in your policy documentation. Any other fees will be discussed or advised before proceeding with the policy by our specialists. We provide tailored quotations for no charge but if you decide to buy any policy with our service, it may include a separate administration fee. When you pay us any administration fee you only pay us for providing you with a specific quote just for the client (only when you choose to buy the policy, if you do not buy any policy, it is free) but not for setting up the policy. If you give us any false or inaccurate information, it may result in cancellation of your policy and our administration fee will not be refunded. We do not share the administration fee with any insurer and this is not linked with your insurance policy and is non-refundable at any time.

 

I.          Customer responsibilities

1.You should answer all questions honestly, completely and to the best of your knowledge, and for ensuring that any assumptions made are correct. Failure to do so may lead to your insurance policy being invalid or an increase in premium by your insurer. You may also be liable for any third party costs in the event of an accident.

2.It is important that you read the insurance company’s terms and conditions to check that you understand and agree with them. The insurance company’s terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation.

3.It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Failure to comply with the insurer’s terms and conditions could invalidate your policy.

4.You should also check that all your details on the policy documents are correct, including any assumptions that may have been made on your behalf by the insurer. If the information supplied by you is not correct, it is your responsibility to notify the insurance company. Failure to inform the insurer of any errors or missing information could invalidate your policy. Where you provide information about any other individual (e.g. a named driver) you are confirming to us that you have their authority to do so.

 

J.          Events of accidents and Claims and Underwriting Exchange (CUE)

Any driver who has had any accidents (fault or non-fault) or claims (whether claim made or not) in the last 5 years must disclose this information when asked, failing to do so may lead to an increase of the premium or it may invalidate insurance with the possibility of cancellation fees. Insurers or brokers may also check with CUE for the history of any accidents or claims recorded within the CUE database. The Claims and Underwriting Exchange (CUE) is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies, which may or may not give rise to a claim.

 

K.         Claims & Underwriting Exchange Register

Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database, run by MCL Software Ltd and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI) to help the insurer to check the information provided and also to prevent fraudulent claims. When the insurer deals with your request for insurance, the insurer may search these Registers and any other relevant registers. Under the conditions of your policy, you must tell the insurer about any incident (such as an accident or theft) regardless of blame and whether a claim has been made or not. When you tell the insurer about an incident, the insurer will pass this information to the Registers and to any other relevant registers. You can ask the insurer for more information about this.

 

L.         Motor convictions, fixed penalty or disqualification and Driver and Vehicle Licensing Agency (DVLA)

Any driver who has had any motor convictions, fixed penalties or disqualifications in the last 5 years must disclose this information when asked, failing to do so may lead to an increase of the premium or it may invalidate insurance with the possibility of cancellation fees. Insurers or brokers may also check with DVLA for the history of any motor convictions, fixed penalties or disqualifications recorded within the DVLA database. The Driver and Vehicle Licensing Agency (DVLA) is the organisation of the UK Government responsible for maintaining a database of drivers and a database of vehicles in Great Britain.

 

M.        No claims bonus (NCB) / No claims discount (NCD)

Proof of No Claims Bonus (NCB) may be required if you take out a policy where a NCB has been applied. It is solely the client’s responsibility to provide the proof of NCB. This proof should be a renewal notice or letter from your previous Insurance Company, which shows the main driver as the policyholder and the NCB earned. A policy schedule is not a good form of proof and may not be accepted. This NCB can only be used on one policy at any one time, and must have been used on a policy within the last 24 months.

 

N.        Motor Insurance Database

Your motor insurance policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Information Centre (MIIC), sometimes it may take up to 7 days to get your policy details updated on the MID. You can also check information about your own vehicle at www.askmid.com. 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 obtain relevant car insurance policy information. Persons 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. You can find out more about this from the insurer, or at www.miic.org.uk

 

 

O.        Inability to provide a suitable quote 

1.All providers specialise in slightly different risks and they do not quote on risks that fall outside their target customers. The more “high risk” or “non-standard” your risk is classed as by them, the fewer prices you will receive. In some cases, it might not be possible for you obtain a quote at all over the Internet. In such cases we may put you in contact with a specialist telephone provider who will approach the insurance underwriters direct and negotiate a special rate on your behalf.

 

P.        What to do if you have a complaint?

ICARS insurance set a very high standard and we strive to keep ourselves at that high level in all our services. In an odd occasion where you may feel those standards have not been maintained we would like you to contact us, we look forward to your feedback as it helps us improve our service for you.
How do you do this?


By telephone : 01204 326126


Email : [email protected]

 

ICARS INSURANCE 

6 St Mark’s Street

Bolton

BL3 6NR

 

Please note for the purpose of handling complaints our office opening hours are Monday to Friday 9am to 5pm, excluding bank holidays, religious holidays and national holidays.

We treat all our customers equally, whether they have complaint or they will be treated seriously and with our highest attention. Icars insurance takes all reviews and feedbacks into consideration and our support team will work hard to investigate and resolve the problem thoroughly.


Please include details of your name and address, a contact telephone number, your policy or quote number and details of why you are unsatisfied. We will contact you at the earliest possible time. If we do not have enough information to investigate your complaint we will contact you to ask you for further details.

 

Q. For United Kingdom residents 

The services and policies described on this website are only available to residents of the United Kingdom insuring within England, Wales, Scotland, Northern Ireland and the Isle of Man (excluding the Channel Islands). By obtaining our services, you confirm that all drivers on your policy are UK residents and that if there is any change to this status then you would immediately inform the insurance provider.

 

R. Intellectual property

The copyright material contained in this website and any trademarks and brands included in that material belongs to ICARS insurance. You must not use such information or copyright material unless you have written permission from us or the owner to do so. You may download or copy the content and other downloadable items displayed on this website for personal non business use only, provided that you are not otherwise breaching these Terms and Conditions.

 

S. Responsibility for content

1.We are responsible for ensuring that we accurately reflect product or service quotes via our experts. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation. 

2.In addition, we make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this website the information contained in this site may contain technical inaccuracies or typographical errors. 

3.We make no guarantee that the website or any linked website is free from viruses, mal ware or other malicious computer problems. You are responsible for ensuring that you use the appropriate Antivirus software. Neither we nor any of our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this website 

4.None of the exclusions and limitations under the clause are intended to limit any rights you may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit our liability to our client for death or personal injury resulting from our  irresponsibility.

 

T. Privacy policy   

1.We shall comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from you. We acknowledge and agree to be bound by the terms of Our Privacy Policy.

2.If you decide to purchase or make further queries about a product or service through this website you will be directed to our experts and the information you have provided may be passed to such providers to allow them to deal with your request. Those product or service providers will be subject to their own terms and conditions and each product or service provider may have a different privacy policy from ours.

 

U. Third party websites

1.This website contains links to websites operated by third parties. Some of those websites will carry our branding and are therefore only accessible by our customers. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. 

 

V.   Indication and level of our administration and service charges

1.Trading Standard require that we make you aware of our level of charges. Our services are charged on a time basis for work undertaken on your specific (file/case) requirement. Preliminary checks are free however second quote will charged a standard fee of £50 to £75. ICARS insurance current charge is between £220 to £320 per case work done by a Senior Service Expert or Management for a completed quote. In addition all communications by SMS and e-mails sent out by us and all telephone calls made and received by us will be free of charge. VAT will be added at the appropriate rate (currently 20%) and other expenses, if incurred. Our charges are subject to annual review. If all or part of any bill rendered by this company remains unpaid we may able to charge interest.

 

X. Fraud

1.If you or anyone acting on your behalf misrepresents or deliberately fails to disclose crucial information when submitting the clients policy, at any time during the term of the policy or at renewal of the policy that would materially impact either the terms and conditions or the issue or renewal decision itself. This includes where the insurer has been provided with any information or documents, which are false or stolen. The insurers have the right to cancel or void your policy and any other related policies. The insurers may seek to recover any costs they have incurred and may not return any premium.

 

Y. Termination

1.We have in our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of Your rights to use the website if you:
– Act inconsistently and in breach of these terms and conditions; 
– At any time violate or attempt to violate any rights of any other user of the website or third parties;
– Are engaged in any fraudulent activity.