The following is a list of terms and conditions that apply to all policies arranged by us. There are also rules and regulations, which apply and important points about your duty of disclosure. You are advised to read these, particularly before taking out cover, to ensure cover is properly arranged. If you are unclear about any of these items or anything else to do with the arrangement of cover, please ask us to provide any additional information.

About us - Central Insurance Direct and 4CheaperInsurance.com are trading names of Central Insurance Brokers an independent insurance intermediary authorised and regulated by the Financial Services Authority. Our FSA registration number is 304763. You can check this on the FSA?s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234

Please use this information to decide if our services are right for you and keep it so you can refer to it again if you need to.

Whose products do we offer? - We offer products from a wide range of insurers for motor and home insurance. We only offer products from Fortis Insurance and BSU Underwriting for travel insurance.We only offer products from Spectrum Vehicle Breakdown for vehicle breakdown cover and from Insurance and Legal Services for motoring legal expenses cover.

Which service will we provide for you? – We do not give advice or make recommendations. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. We will answer any questions you have about the products and services we offer.

What will you have to pay for our service? – A fee of £25 for arranging both new and insurance renewal, which is included in our quotation, payable when you accept our quotation.  A fee of £25 for any mid term changes to your policy.  For example, if you change your vehicle. A fee of £25 for policy cancellation.This fee is payable immediately before any mid term adjustment takes place and is in addition to any charge or deducted from any refund made by your insurers.We do not refund commission on adjustment or cancellation refunds since this was earned for arranging the policy.An insurance premium of £12 for motoring legal protection, which is obligatory and included in all motor insurance quotations.A fee of £15 for reprinting your insurance certificate if you lose it or the original is destroyed.We will charge you £10 for each instalment on instalments paid direct to us including the deposit. Instalments paid by direct debit through a third party premium credit provider are subject to a £25 arrangement fee. The third party premium finance company will charge you interest on your remaining payments.The total cost and APR are detailed in your premium finance agreement.We will charge you £10 should any payment made by cheque be returned from bankers unpaid. Higher arrangement fees may apply to some insurance products.You will be advised if the fee is higher before taking cover.

We will cancel your cover if you do not keep up your payments to us or you default on any direct debit payments with any third party premium finance provider.  The cost of short period cover is much higher than the pro rata (monthly) cost of an annual policy.  You should not buy an annual policy if you only expect to keep it for a short time.

Your duty of disclosure – Failure to notify us of any material fact, inaccuracies or omissions on the proposal form, when making an adjustment to a policy or renewing a policy, could invalidate your policy from inception or result in it not operating properly.  It is your duty to ensure all relevant information and material facts are disclosed to insurers.  If you fail to disclose something to insurers that you could have reasonably been expected to be aware of you may find your cover is inoperative in the event of claim.  If you are in any doubt about material facts you should disclose them anyway.

Cancelling your policy – If your policy is cancelled at any time, we will not refund any policy fee, service charge, arrangement fee, policy adjustment charge or instalment charge.  We will not refund our commission.  Commission and fees are earned for the policy period and we will retain all fees and insurers commission in respect of the full policy period in relation to policies placed by us.  We vwill deduct our commission and our cancellation fee of £25 from any insurer refund before passing the balance to you.  Insurers commission is 15% on motor type policies and 25% on home and travel insurance policies.

You may have a statutory right to withdraw from this policy within the first 14 days however, Insurers will charge for the time you have been on cover, which may be subject to a minimum charge and may also be subject to conditions such as, you have not used the insurance services or have not made a claim.

You may cancel your policy after 14 days that will then be subject to insurers cancellation charges detailed in your policy document.  Insurers will not make a cancellation refund if you have used the insurance service or have made a claim and some insurers will not refund after the policy has been in force for a long period such as 8 months. Insurers do not usually offer return premiums on short-term policies such as travel insurance. We will not process your request for cancellation until we receive the return of any current certificate of motor insurance and or cover note together with your written instruction to cancel.

If your insurance is cancelled any additional insurance or service such as motoring legal protection or vehicle breakdown cover will be cancelled at the same time.  Insurers of additional services such as motoring legal expenses cover or vehicle breakdown cover do not usually provide any premium refund after the initial 14 days.

What to do if you have a complaint – Your insurers complaints procedure will be found in your policy document.  If you wish to register a complaint against us, please contact us by writing to The General Manager, Central Insurance Brokers, 13 Raglan Street, Coventry. CV1 5QF or call 0870 777 5565.

If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.  For further information you can visit their web site www.financial-ombudsman.org.uk

No claims bonus – If your premium includes a discount for No Claims Bonus (NCB) claimed by you from a previous policy, we will require proof of NCB within 30 days of taking cover.  Proof of NCB must be in the form of a renewal notice or NCB letter from your previous insurance company in the name of the policyholder, showing the number of years NCB earned, the date the policy ended which must be less than 2 years old and be available for use on this policy.  NCB can only be used on one policy at any one time.

Security - Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer.  Therefore, once we have collected premiums they are treated as having been paid to the insurer.

We do not guarantee the solvency of any insurer we place business with.  No liability for the premium, whether in full or pro rata may arise under policies where a participating insurer becomes insolvent. 

We are members of the Financial Services Compensation Scheme (FSCS).  You may be entitled to compensation from the scheme if we cannot meet our insurance obligations.  This depends on the type of business and the circumstances of the claim.  For further information you can visit their web site www.fscs.org.uk

Customer information and Data protection: Telephone calls may be recorded for your security.  Information you provide will be used for the purposes of insurance administration and may be checked with a credit agency.  Information is exchanged between insurers through carious databases to decide whether to offer insurance and on what terms and to prevent fraudulent claims.  For the purposes of the Data Protection Act 1988 the data controller in relation to any personal data you supply is Central Insurance Brokers.  We do not pass on your personal data to any other company unless it is for the purposes of providing a quotation you have requested or to pass information to an insurer when you have agreed to take out cover.

Taxes and costs – All quotations and insurance premiums include insurance premium tax at the prevailing rate.

Governing law – This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.

Acceptance – All new policies taken out through us are subject to your acceptance of these terms and conditions that also apply to future changes to you policy and any subsequent renewal of cover.  If you are unable or unwilling to comply with these conditions you should contact us immediately.

Territorial Limits – The products and services described in this site are only available to permanent UK residents (Excluding Northern Ireland). The information on this site is not directed at anyone other than UK residents and applications from others cannot be accepted. The information contained in this site may not satisfy the laws of any other country. Any phone number(s) only applies to phone calls made from with in the UK.

Agreement to use of this site - These terms and conditions are the basis on which Central Insurance Brokers will allow you to use this site and include various important Disclaimers that limit any potential liability of Central Insurance Brokers to you for use of the web site. By using the web site you have agreed to these terms and conditions. If you do not agree to these terms and conditions you are not permitted to use the site.
You are permitted to access any part of the Web site and print off pages for your own personal use. You may not tamper with or alter in any way or otherwise use any copyright, trademark or other intellectual property contained in the Web site except as specifically permitted by Central Insurance Brokers. The distribution, copying or any other use of any material is strictly prohibited. No commercial use is permitted under any circumstances without full written permission from Central Insurance Brokers.

Copyright -You are only allowed to use this Web site and the material contained in this Web site as set out below. All copyright and other intellectual property rights in any material contained in this Web site is either owned by Central Insurance Brokers or has been licensed to Central Insurance Brokers by the owners of such rights so Central Insurance Brokers can use this material as part of its Web site. The Web site which includes, but is not limited to, trade-marks, images, illustrations and audio clips, is protected by copyright owned or licensed to Central Insurance Brokers by the persons granting us permission to display such trade-marks for use on this site.

Contracts - The entering into a contract of insurance is between the Insured and the Insurer. Central Insurance Brokers cannot be held responsible as a party to that contract. It is the responsibility of you, the Insured, to comply with all policy terms and conditions as set out by the Insurer and to declare to them all facts pertinent to the risks that they take on your behalf

Decency - You agree that you will not submit or otherwise publish through the web site any information or material which is obscene, pornographic, abusive, or threatening; libels, defames, invades privacy, or infringes any intellectual property or other right of any entity or person; is in breach of any or violates any law in any country, or advocates any illegal activity.

Security -Credit card and banking details are only used for processing payment and are not used for other purposes.

Links to External Web Sites - This web site includes links to other external web sites. Central Insurance Brokers accepts no responsibility for the content of such web sites.

General Disclaimer - Central Insurance Brokers has done its best to ensure the accuracy of the material contained in this web site but makes no express or implied warranties or representations about any of the content of this web site. We accept no responsibility for loss or damage, which may arise from reliance on information or advice contained in this Web site. Central Insurance Brokers shall not be liable for any other errors or omissions within this web site.

To the fullest extent permissible pursuant to any applicable law Central Insurance Brokers disclaims all express and implied warranties in relation to the operation of the web site. Central Insurance Brokers does not warrant that the functions contained in the web site or the materials or information posted on the web site will be uninterrupted or error-free, that defects will be corrected, or that Central Insurance Brokers it’s web site or the server that makes them available are free of any virus.

Please note that the above terms, conditions and notices may be updated from time to time. By using this web site you accept that you are bound by the current terms, conditions and notices and we therefore recommend that you check these each time you revisit our site.

By agreeing to these terms and conditions you agree to indemnify Central Insurance Brokers and its principals and employees, from and against any and all claims, demands, liabilities, costs fees and expenses. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement.

Inaccuracies - Whilst we seek to ensure that the information on this website is accurate and complete, we do not accept any liability arising from any inaccuracy or omissions in or the use of or reliance on the information on this site. You are advised to verify the accuracy of any information before relying on it.