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Important information

Before you buy a policy with 1ST CENTRAL, you need to make sure you are happy with the following important information.

You’ll be asked to confirm that you have read and understood this information at the point you purchase your policy, but here are the details upfront to read through. 

The information you provide to us

When buying insurance from 1ST CENTRAL, you must ensure that:

  • The information you provide is correct; the Road Traffic Acts state that it is an offence to make a false statement to obtain a Certificate of Motor Insurance.

  • You tell us immediately of any alteration to the details you have declared on the Statement of Fact (issued when buying your car insurance).

  • When asked, you tell us any facts that could influence an insurer when they are deciding about issuing an insurance policy. If you are in any doubt as to whether certain facts are relevant of not, please ask us. You can call our sales team on
    0333 043 2044.

Failure to tell us these facts when requested to do so could invalidate all or part of your policy.

Assumptions we will make

There are a number of assumptions we will make when you get a quote and purchase your insurance policy.

The vehicle:

  • Is a standard UK model (not imported) and is registered in the UK

 
The drivers (applies to all named drivers and the policyholder):

  • Have never had their insurance declared void or cancelled by a previous insurer
  • Hold the appropriate licence to drive the vehicle insured.
  • Have never been convicted of or cautioned (or have prosecutions pending) for any non-motoring offences (except where these are considered spent under the Rehabilitation of Offenders Act).
  • Have never been notified by or are subject to any investigation, legal proceedings or disputes, where any insurer has communicated that their actions in taking out an insurance policy or making a claim, has led to an allegation or act of fraud on their behalf, or that they were party to such an act.

Changes to your Policy, Renewals and Cancellations

  • We will advise you within 14 days of any revised premium and / or changes to the Terms and Conditions which may result from any changes you make to your policy
  • We may also seek to automatically renew your policy
  • Our fees for setting up your policy, processing amendments, issuance of documents, and cancellation, are shown below:

Fees

Fees
Arrangement fee - £50
The arrangement fee is non-refundable and is included within the overall total.
Cancellation fee - £50
If you cancel the policy for any reason other than non-disclosure or misrepresentation after 14 days of the policy start date, this fee is applied. Please note that any ancillary products purchased become non-refundable after 14 days and the full product cost is payable on cancellation.
Cancellation fee for non-disclosure and / or misrepresentation - £75
If we cancel your policy due to non -disclosure and /or misrepresentation, this fee is applied.
Amendment fee - over the phone - £30
If you amend the policy over the phone for any reason this fee is applied.

Amendment fee - online - £15
If an amendment is done online then this fee is applied.
Amendment fee for non-disclosure and / or misrepresentation - £50
If we amend your policy due to non-disclosure and /or misrepresentation, this fee is applied.
Credit card fees - 2% of the amount payable
If you pay for your policy or any amendment by Credit Card, this non-refundable fee will be applied to the transaction. (This fee does not apply to debit cards).
Direct Debit defaults - £30
If you default on your Direct Debit payments, this fee is applied the next time we attempt to take your Direct Debit.
Direct Debit amendments - £10
If you wish to change your Direct Debit payment date, this fee is applied.

Please note that in the event that any changes are made to your policy during the year, or your policy is cancelled, any amount owed as a result, including fees and charges if applicable, will be taken on the last payment details we have on record for you. You are able to opt out of this by calling the customer services team on 0333 043 2066.

How we use your data

We would like to advise you that, we exchange information with other insurers through various databases to help us check information provided and also to prevent fraudulent claims.

We also advise you that all Insurers supply details of motor insurance policies to a database to which the police and other insurers have access. This helps detect people who break the law by not taking out insurance and insurers to pursue claims following accidents.

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

For more information about how we use your data to deliver your quote and policy, please read our Privacy Policy

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