"We", "Us", "Our" or “BeWiser” means Be Wiser Insurance Services Ltd (Company number 6097813) “Be Wiser” whose registered address is Rowans, Houghton, Stockbridge, Hants, SO20 6LT.
"User (s)", "You", "Your" or "Yourself" means any third party that accesses the Web Site and is not employed by Be Wiser and acting in the course of their employment.
"Cookies" means a text only string of information that a website transfers to the cookie file of the browser on your computers hard disk so that the website can remember who you are.
Ivan Insurance is a trading name used by BeWiser. Ivan Insurance offers products from a range of insurers for Van and Commercial Vehicle insurance. After a fair analysis of the market we will advise and make recommendations whilst considering your demands and needs for these products.
Full policy wordings and summary of covers are available from www.bewiser.co.uk/insurers/van. You are advised to read these and download them prior to purchasing any policy from us.
Be Wiser Insurance Services Ltd is authorised and regulated with respect to Non-Investment Insurance contracts by the Financial Services Authority and is held on the FSA register, number 465471. Our name, address and regulatory status may be verified by visiting their website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Your Duty of Disclosure
Your insurance contract, including terms, conditions and premiums are based upon the information provided and subject to acceptance by the Insurer. You must ensure that you are complying with your legal duty in disclosing all material facts relating to the risk.
It is your responsibility to provide complete and accurate information to the Insurer throughout the life of your policy, this begins from the point of quotation, throughout the policy duration and when the contract is renewed. Any change in your circumstance or the risk itself must be notified to us immediately, cover may be invalid until your Insurers have agreed cover based on any such change.
Please note any failure to disclose material facts accurately to your Insurers may invalidate your insurance cover and could result in all or part of a claim not being paid. Your Insurers hold the right to cancel or void all cover in these circumstances. It is important that all documentation we send to you is checked immediately to ensure all information is correct. If any information is incorrect please advise us immediately.
What You Pay
When arranging policies on line we do make a charge of £20.00. If you wish to know the commission we earn we will be pleased to advise you. All premiums quoted will be the total cost which you will pay including Insurance Premium Tax but excluding any interest that may be due (Dependant on your payment method).
In addition to the premiums charged or returned by Insurers we do charge up to 15% of the premium plus £20 for any additional or return premium. The adjustment schedule will show the net due to the Insurer and you will be advised of any charges when obtaining quotations for adjustments.
All payments that you make are split proportionally between our earnings and the Insurers net premium requirement for the policy.
Prior to the policy renewal date we will write to you in good time and advise terms for the next policy period.
If you elect to pay for your policy by direct debit the renewal advice will confirm the new monthly instalments to be taken by direct debit and the policy will automatically renew unless we receive your advice to lapse the policy.
If you elect to pay for your policy by credit or debit card the renewal advice will confirm the new annual premium and this will automatically be taken from the same card unless we receive your advice to lapse the policy. If the card details by which you paid for your policy change please ensure we are advised prior to the renewal date.
For all other methods of payment the policy will not be automatically renewed and you must contact us prior to the renewal date and advise us to continue cover by providing payment. If payment is not received from you the policy will lapse upon the renewal date.
In the unfortunate event that an incident occurs which may give rise to a claim, whether fault or non fault it is your duty to advise your Insurers without delay. All correspondence received from any third party must be forwarded to us immediately upon receipt, failure to do so may prejudice your Insurers position and they may seek recompense from you for such loss.
As part of our service to you we also offer assistance with any claim you may need to make including if required, the recovery of any uninsured losses you may incur. Our uninsured loss protection service providers (Crusader) may in the event of a non fault accident provide you with a replacement vehicle for the period your vehicle is off the road. Free legal assistance to pursue any losses you may incur will be provided. Please note this service is not an insurance policy and as such is not governed by the personal customer code.
Be Wiser Insurance Services Ltd is covered by the Financial Services Compensation Scheme. In the unlikely event that we are unable to meet our obligations you may be entitled to compensation from this scheme. Compensation for legally compulsive insurance contracts is covered in full. For other classes of insurance compensation may address the first £2,000 of a claim in full and 90% of the remaining claim or the value of unused premium.
For further information please contact: The Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN. Tel: 020 7892 7300 or visit their website at www.fscs.org.uk
You have the right to cancel your policy at any time during the period of cover.
In the event that you wish to cancel your policy the current Certificate of Insurance and / or Cover Note must be returned with a letter stating these instructions, this must confirm the date from which you wish cover to cease.
In the unlikely event that you are unhappy with the service or the product we provide you hold the right to cancel cover within fourteen days from inception or fourteen days from receiving policy documentation. The premium payable by yourself will be calculated by the number of days on cover at the premium quoted, subject to a minimum premium of £25.00.
Should you wish to cancel cover after fourteen days your Insurers may base their premium on 'Short Period Rates'. This charge may not reflect a pro rata premium and could represent the time on cover with an additional charge equal to three months premium. Any return premium to you will be the net return given by your Insurers less our charge of 15%.
Please note should you cancel cover due to revised terms applied by the Insurers following non disclosure of material facts the time on risk charge may be based on the correct information and correct premium.
In the event that a claim has occurred under your contract, no refund will be given until your Insurers have settled the claim on a non fault basis, recovering all financial costs which may have been incurred. Please note if you have elected to pay by instalments these will continue to be collected unless you settle the outstanding balance in full.
It is our intention to ensure exceptional service at all times. However in the unlikely event that you are unhappy with our service please contact us immediately and we will endeavour to provide the service you deserve.
If you feel your complaint remains unresolved during this initial contact we will agree a further course of action with you. Should you wish to make a written complaint you may write to: The Complaints Officer, Be Wiser Insurance, Riverside House, 35 – 37 Bridge Street, Andover, Hants, SP10 1BE.
Upon receipt of any written complaint we will acknowledge receipt in writing within five business working days. Within 28 days of receiving your complaint we will provide a written final response or an explanation as to why we are not in a position to resolve this matter together with the date that we will contact you again.
Within eight weeks of receiving your complaint we will provide you with a written final response or an explanation as to why we are not in a position to do so.
If however, there is a matter we cannot resolve to your satisfaction you may refer the matter to the Financial Ombudsman Service, their contact details are: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Website: www.financial-ombudsman.org.uk.
Long Term Credit
If you have chosen to pay by long term credit any return premium issued by your Insurer will be used to reduce the outstanding balance of the agreement. Should your policy be cancelled the instalments will continue to be collected under the credit agreement which you have entered into until all balances have been paid.
Unless the full balance of this agreement is paid your cancellation of the credit agreement will be an instruction from you to cancel your policy. We reserve the right to cancel or lapse a policy where payments are not received by the date due.
The Service is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
We will endeavour to allow uninterrupted access to the Websites, but access may be suspended, restricted or terminated from time to time. We will not be liable, for any reason, if any of the Websites are unavailable for any period.
We reserve the right to change, modify, substitute, suspend or remove without notice any information, service or content on the Websites.
In addition we cannot warrant that the Websites will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of the Websites.
We assume no responsibility and provide no warranty, guarantee or representation for content or services of any other website which links to or from the Websites.
Any material and / or data downloaded or obtained through us of this website or any of the websites mentioned in this website is at your own discretion and risk. You hold sole responsibility for any damage to your computer system or loss of data that results from downloading of such material and / or data.
All intellectual property including, but not limited to, the copyright, trademarks and all other intellectual property rights in the whole and every part of the Websites are owned by, or licensed to, Be Wiser Insurance Services Ltd unless otherwise indicated.
Such material may not be used, sold, copied, licensed, distributed, transmitted, published or reproduced in whole or in part in any manner or form or in any media by any person without prior written consent of Be Wiser Insurance Services Ltd.
The Websites are solely for the use by private individuals. You are not permitted to use the Websites or copy material from the Websites for commercial purposes
Be Wiser makes no warranty or representation that the Websites will meet your requirements, that they will be of satisfactory quality, that they will be fit for a particular purpose, that they will not infringe the rights of third parties, that they will be compatible with all systems, that they will be secure and that all information provided will be accurate.
Be Wiser aim to correct errors and omissions as soon as possible once they are aware, however, on occasion there may be an error in the information or service shown. Should such an event occur we reserve the right to cancel any contract we may have entered in to with you. This will be without any liability to you and a pro rata refund will be offered.
We take every effort to ensure the Websites are accurate and up to date. However, all warranties (whether express or implied) and all liability to you in respect of the Websites, their contents and or your use of the same, are excluded to the fullest extent permitted by law.
This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from the Websites.
If any provision in these terms and conditions shall be found by any court or administrative body to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.
Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd and the Motor Insurance Anti Fraud and Theft Register, run by the Association of British Insurers. When we deal with your insurance request we may search these registers. Under the conditions of your policy you must inform us about any incident which may or may not give rise to a claim, this information will be passed to these registers.
When a motor insurance policy is taken out with Be Wiser your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police to establish 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 other UK insurers, the Motor Insurers Bureau and MIIC may search the MID to gain policy information.
Persons with a valid claim is respect of a road traffic accident may also obtain information which is held on the MID.
You may find out more about his from us, or at www.miic.org.uk.
You should show this notice to anyone insured to drive the vehicle covered under the policy.
Law and Jurisdiction
These terms and conditions and the relationship between you and Be Wiser shall be governed by and construed in accordance with the Law of England and Wales and Be Wiser and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
All quotations which we provide are in respect of policies subject to the law of England and Wales and subject to the exclusive jurisdiction of the English Courts save in either case where your policy otherwise provides.
Be Wiser is only able to arrange insurance on the Websites for individuals who are permanently resident in the United Kingdom, The Isle of Man and the Channel Islands.
Limitation of Liability
To the maximum extent permitted by law, Be Wiser accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Websites or any information contained therein. Users should be aware that they use the Websites at their own risk.
Nothing in these Terms and Conditions excludes or restricts Be Wiser's liability for death or personal injury resulting from any negligence or fraud on the part of Be Wiser.
Whilst every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions.
This term shall apply only within jurisdictions where a particular term is illegal.
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
Links to Other Web Sites
The Websites may contain links to other sites. Unless expressly stated, these sites are not under the control of Be Wiser or that of our affiliates. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on the Websites does not imply any endorsement of the sites themselves or of those in control of them.
We may record / monitor telephone calls for our joint protection and training purposes.
Road Traffic Act 1988
It is an offence under the Road Traffic Act to make any false statement or withhold any material information for the purpose of obtaining a certificate of insurance.
Rehabilitation of Offenders Act 1974
Please note that you are not required to disclose convictions regarded as "Spent Under the Rehabilitation of Offenders Act 1974".