iVan Insurance is powered by City Insurance Group, a trading style of City Broking Ltd.

Definitions
"We", "Us" or "Our" means City Insurance Group (No 7184645), whose registered address is 88/89 High Street, Winchester. SO23 9AP England.

"User (s)", "You", "Your" or "Yourself" means any third party that accesses the Web Site and is not employed by City Insurance Group and acting in the course of their employment

"Website" means the website located at www.ivaninsurance.co.uk or www.cityinsurance.co.uk.

"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.

Who are we?

City Insurance Group is an Independent Insurance Intermediary, and is a trading style of City Broking Ltd ( No 7184645) Registered in England and Wales.
Registered Office: 88/89 High Street, Winchester. SO23 9AP England. No shares in the company are held by insurers. Authorised and Regulated by the Financial Conduct Authority (No 520574). You can check this on the FCA's register by clicking here or calling them on 0800 111 6768.

What we do

In most matters we act on behalf of our clients, advising on and arranging insurance for both individuals and businesses (other than for the collecting and holding of premiums, in which instance we are acting on behalf of the insurer). We will advise and make a recommendation for you after we have assessed your needs. Quotations provided will be based on a fair analysis of the market (offering policies for a range of insurers) with the exception of travel insurance purchased in isolation, for which we use a limited number of markets: Sunworld, PJ Hayman and Ageas Insurance.

Your duty of care

Your insurance is based upon the information provided to us and the insurance company. You must ensure that all such information is complete and accurate, and that all questions have been answered honestly and to the best of your knowledge. If you make a misrepresentation to us or your insurer (either deliberately or carelessly) this could result in your policy being cancelled with charges applying and/or cover being invalidated, and potentially lead to a claim being unpaid.

Client monies

Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as agent of the Insurer (in which case your policy is treated as being paid for). Occasionally we do not have such arrangements with an insurer, and (in those cases) we will discuss with you how to proceed. No interest earned by us on these monies received will be remitted to you.

Legal fees service

If you have purchased this valuable extra service and you are involved in an accident that is not your fault, the service can assist you with the recovery of uninsured losses and cover you for legal fees up to £100,000. This may include a replacement vehicle whilst yours is off the road being repaired, compensation for any personal injury sustained and the recovery of associated costs. If you have not purchased cover you can still benefit from using our claims service in the same way, However an "after the event insurance policy" will need to be purchased and a deduction of 25% from any personal injury claim will be made to cover legal and running costs. Full details will be provided should you need to use this service. Third party insurance details must be obtained. This service is operated on our behalf by "Kindertons Accident Management" and they shall be responsible for the final decision of acceptability and will use their own approved Solicitors. For all other insurance classes legal cover may be available for an additional cost. Full details are available on request

New policies/renewal & amendment charges

In addition to premiums charged or returned by insurers we do charge up to 25% of the premium plus a £35 policy fee. We reserve the right for bespoke and/or non-standard quotes to make higher charges. You will be advised of any charges prior to accepting cover. Premiums shown on our web site will be inclusive of our charges that may include discounts from time to time. Fees and charges are not refundable. The charges form part of our earnings to be able to offer professional advice and a selection of quality products in a highly competitive regulated market.

Remuneration

Our remuneration is based upon commission received from insurers which is based on a percentage of the premium which you pay. Where premium finance is taken we will receive a commission which is a percentage of the total amount financed. For any claims handling and processing by our partner Accident Management Companies we may receive a commission based on legal and professional services provided.

Cancellation of your insurance

If your policy is cancelled within 14 days after receipt of the policy document, there will be a charge made by the insurer (please refer to the insurer's Insurance Product Information Document) and a charge made by us of £50.00 whether cover has started or not. Should you, or we, cancel your policy after the 14-day cooling off period, your insurer may charge short period rates for the time on cover plus their charges (refer to your insurer’s policy wording for full details). Any amount returned to you or being returned to the finance provider (if paying by instalments) will be net of a 15% claw-back charge and our fee of £75.00.

If during your application or subsequent validation process your policy has to be cancelled by us (whether cover has started or not) due to incorrect information being provided or undisclosed information with-held, we will charge £75.00 in addition insurer charges. We need to validate answers for anti-fraud measures and to ensure you are correctly covered. Key information checked by us and Insurers;

• identity failure, we will need immediate proof you live where you stated in the application
• claims/conviction history.

A charge of £95.00 will apply if you fail to reply to requests for information and we have cancelled your policy following a seven-day cancellation notice. We may elect to make your policy Null and Void from inception.

Cancellation notices will be sent to the last known email address that you provided. In the absence of an email address we will write to your last known address.

If a claim is made against the policy at any time and deemed to be fault (a claim against the policy where your insurer will make a payment to you or a third party and they are unable to make a recovery of their outlay) the premium must be paid in full and or if you are paying by instalments the payments must be continued until the loan is paid in full. No refund of premiums will be allowed. Your insurers reserve the right to deduct un-paid premiums from your claims settlement.

If you have a claim

If you need to make a claim or report an incident, please call the claims line number we gave you with your documents. For Motor claims, please call 0345 017 9962.

Complaints

It is our intention to provide you with the highest level of customer service at all times. In the unlikely event that you feel we have not met these standards please contact the Branch Manager either verbally or in writing. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service, They can be contacted on 0300 123 9123 or 0800 023 4567 or web address - www.financialombudsman.org.uk/ Your legal rights will not be affected.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS) and therefore you may be entitled to compensation from the FSCS if we should be unable to meet our obligations. This depends on the type of business and the circumstances of the claim. For most types of insurance, advising and arranging is covered for 90% of the claim, without upper limit. Further information about compensation scheme is available from the FSCS by phone (0800 678 1100) or via their website www.fscs.org.uk/

Privacy Notice

In accordance with the General Data Protection Regulation and related UK data protection legislation, we are committed to protecting the confidentiality and security of the information that you provide to us.

This Privacy Notice is designed to help you understand how we collect and use your information.

We may collect information from you about other people, for example, family members who may drive your car or who may be included on a travel or household insurance policy. If you give us information about another person it is your responsibility to ensure and confirm that:

• you have told the individual who we are and how we use personal information, as set out in this Privacy Notice; and
• you have permission from the individual to provide that personal information to us and for us to use it, as set out in this Privacy Notice.

If you have any questions or queries about this policy please contact us.

Who we are

City Insurance Group (also referred to in this Notice as “we", "us", or "our") means City Insurance Group.

How to contact us:

For any questions or concerns relating to this Privacy Notice or our data protection practices, or to make a subject access or any other request regarding the information we hold, please contact us at:

City Insurance Group
88/89 High Street
Winchester
Hants
SO23 9AP

Tel: 01962 844 848; email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Website: www.cityinsurance.co.uk

Why we need and how we use your personal information

We only collect, use and store your information where we have lawful grounds and legitimate business reasons to do so.

We collect, use and store your personal information in order to fulfil requests for quotes, products and services as part our insurance broking, claims handling and risk management business. It may also be used to verify your identity, to administer payments and to enable us to carry out anti-money laundering and other financial crime checks where required. If you pay by instalments your information may also be used to arrange credit.

The use of your data is essential for us to check your identity, to enable you to enter into an insurance contract and for the insurance to operate (in the event of a claim, for example). We may also use it to keep our records up to date, to notify you about changes to our service and to help us in developing new products and services.

If you do not provide the information required we are unlikely to be able to arrange your insurance and may not be able to provide certain services to you.

We may monitor calls, emails, text messages and other communications with you. When you contact us we may keep a record of that correspondence and any information provided to us during that or any subsequent communication.

Marketing

We would like to keep you updated about our relevant products and services by email, Post, SMS and/or telephone. If we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes we will only do so with your consent, if necessary. Your consent will be obtained specifically at the appropriate time.
If you have already consented and wish us to stop using your information for this purpose or any other purpose then please contact us.

Nature of personal information

Personal data is any information that may identify a living individual.
We collect personal information such as name, contact details, date of birth, gender, marital status, financial details, employment details and other personal details depending on the nature of the insurance and other services we offer.

We may collect, use and store sensitive personal information such as criminal convictions and medical conditions as necessary in relation to insurances such as motor, home, travel and health insurance. This information may be shared with insurers, insurance product providers and our third party service providers. Where necessary, we shall obtain your consent to the processing of such information.

Sharing information

We will only supply your personal information to other parties where such a transfer is a necessary part of the activities that we undertake, where you give us consent or where we are required to do so by law or regulation (e.g. where the disclosure is necessary for the purposes of the prevention and/or detection of crime).

As an intermediary we must disclose personal information to insurance companies, underwriting agencies, business partners and other parties in order to provide our products and services and to enable you to enter into insurance contracts. Examples of other parties include other insurance intermediaries, loss adjusters, regulatory bodies, legal and accountancy firms involved in the claims handling process. We may also share your personal information with fraud prevention agencies such as the Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud and Theft Register. We may pass information relating to your insurance policy and any incident to the operators of these registers, their agents and suppliers, For motor insurance we share it with the Motor Insurance Database (MID) which may be used to establish whether a driver is insured to drive a vehicle and/or for preventing or detecting crime. If you are involved in an accident in the UK or abroad, the MID may be searched to obtain relevant policy information. You can find out more at https://www.mib.org.uk

We may also disclose your information to service providers engaged to perform services on our behalf. Such service providers are contractually restricted from using or disclosing the information we give them except as necessary to perform services on our behalf or to comply with legal requirements.

We only share your information if we are satisfied that our partners or suppliers have sufficient measures in place to protect your information in the same way that we do.

We may also disclose personal information to new owners of our business in the event that we are subject to a merger or acquisition. Disclosure may also be made to enable company audits, regulatory inspections or to investigate a complaint, suspicion of fraud or a security threat.

We never share your information outside our organisation for marketing purposes.

You understand that we may disclose the information you provide to relevant other parties for the purposes described in this Notice.

Transfer of personal data outside the UK

Certain personal information held on our Information Technology systems may be transferred across geographical borders in accordance with applicable law. By providing us with your information, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How long we keep information about you

We will keep your information for as long as it is required to enable us to provide quotations, administer your insurances, offer renewal and respond to any claims or complaints (which may arise after the period of insurance has expired). This will usually be a minimum period of seven years or otherwise as determined by law or regulation. Once we decide that we no longer need your information it will be securely and confidentially destroyed.

Your data protection rights

You have certain legal rights under UK data protection law and regulations, summarised as follows:

• The right to be informed about our data processing activities, including through Privacy Notices such as this.
• The right of access to the personal information we hold about you. To request a copy of this information you must make a subject access request in writing to us.
• The right of rectification. You may ask us to correct any inaccurate or incomplete data within one month.
• The right to erasure and to restrict processing. You have the right to have your personal data erased and to prevent processing except where we have a legal obligation to process your personal information. You should bear in mind that by exercising this right you may hinder or prevent our ability to provide products and services.
• The right to data portability. On your request, we will provide you with your personal data in a structured format.
• The right to object. You have particular rights in relation to automated decision making and profiling to reduce the risk that a potentially damaging decision is taken without human intervention. You can object to your personal data being used for profiling, direct marketing or research purposes.

If you want to invoke any of these rights please write/email to us at the address shown above.

Withdrawal of consent

Where you have provided your specific consent to the use of personal data, you may withdraw that consent by contacting us at the address shown above.

How to make a complaint

If you wish to make a complaint about how we hold or use your data, please contact us at the address shown above.

If you are dissatisfied with how we deal with your complaint, you may contact the Information Commissioner's Office:
The Information Commissioner Wycliffe House Water Lane Wilmslow Cheshire, SK9 5AF; Phone: 08456 30 60 60 Website: https://ico.org.uk

Information from other sources

We may use legal public sources such as the electoral roll and other third party sources such as credit reference agencies to obtain information about you, for example to verify your identity or check your credit history.
We also obtain information about you from credit reference agencies and similar third parties. Some personal information may be provided to us by third parties such as insurance companies, other insurance intermediaries and motor vehicle licensing authorities. In some cases you will have previously submitted your personal information to them and given them approval to pass this information on for certain purposes.

Such information will only be obtained from reputable sources which operate in accordance with the General Data Protection Regulation.

We and/or other parties may use your information for purposes such as statistical and trend research and analysis which may include computerised processes which profile you. Automatic profiling helps us understand, predict and forecast customer preferences and to improve the products and services we offer and to assess which products might be most suitable for you.

Data Protection/Fair Obtaining Notice

This notice explains how we may use the details you provide us with. You should show this Data Protection Notice to anyone covered or proposed to be covered under your policy/prospective policy.

By proceeding with your application for motor insurance and providing us with the information we request in that connection, you authorise us to use your data, including sensitive personal data, in accordance with this Data Protection Notice and to pass the data to suppliers, insurers and third parties for the purposes set out in this Data Protection Notice. You also confirm you have gained the consent of any named drivers for their data to be used as set out below.

How your data will be used

Your data will be used for insurance underwriting purposes i.e. to examine the potential risk in relation to your prospective policy and for anti-fraud purposes i.e. to detect and prevent fraudulent claims and/or activities.

Your Driving Licence Number ("DLN") and that of any named driver will be checked against the DVLA database to confirm the licence status, driving entitlement and relevant restrictions and any endorsements/convictions. Searches may be carried out prior to the date of the insurance policy and at any point throughout the duration of your insurance policy including at the mid-term adjustment and renewal stage.

A search of the DLN against the DVLA database should not show a footprint against your (or another relevant person’s) driving licence.

How your data will be processed

Your personal data will not be used for marketing. It will only be shared within organisations involved with the administration of your insurance policy or as otherwise set out in this Data Protection Notice.

For further information about disclosing your Driving Licence Number, see: https://www.mylicence.org.uk/

For details relating to information held about you by the Driver and Vehicle Licensing Agency ("DVLA") please visit https://www.dvla.gov.uk

Other Important/Useful information

How you can deal with us

On the phone number we would have supplied you with when you bought the insurance. You can visit our branches in the south of England. You can also e-mail us you're your enquiry's to This email address is being protected from spambots. You need JavaScript enabled to view it.

Whose policies do we offer?

For the majority of the policies we sell we deal with a range of insurers. In some circumstances we offer the policies of a limited number of insurers or a single insurer. A list of all the insurers we deal with is available on request.

At renewal

We will write to you giving you notice of renewal, we will undertake a review of other insurers that might be more competitive and this will be based on the information we took from you when you first bought cover. You will need to check this information to ensure it meets your current needs and demands.

Monthly payments by direct debit

Annual premiums can be paid by direct debit, full details will be provided prior to purchase depending on the policy type and whether the policy was bought through our website or by phone or in person. Full details are available on request.

Other monthly payments

In some circumstances annual policies may be paid for by monthly payments in cash or by cheque or credit card. For full details of the terms and conditions and fees, please ask. Availability is subject to status. A deposit is required. Quotations given on request.

Important: our right to cancel your insurance

You are reminded that it is a term of any instalment plan we arrange on your behalf including Consumer Credit Agreements that you authorise us, as your agent, to instruct the insurers to cancel your insurance. This will be invoked if any monthly direct debit or instalment payment, or any other amount due under those agreements, is in arrears and not paid on time.

Telephone calls

Call may be recorded and monitored

Intellectual Property

All intellectual property without limitation from this website including the copyright, trademarks and all other intellectual property rights in all pages are owned by or licensed to City Insurance Group. Such material may not be used in any manner, for the avoidance of doubt, copied sold, distributed, published or reproduced in any way without prior written consent of City Insurance Group.

Accessibility

We do our utmost to provide uninterrupted access to this Website, but access may be suspended, restricted or terminated from time to time. We shall not be liable, for any reason, if the website in unavailable for any period. We reserve the right to change, modify, substitute, suspend or remove without notice any information, service or content on this website. We cannot warrant that this site 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 this website. The same applies to other website's which link to or from this website. Any material and or data downloaded from this website or any of the websites mentioned is your responsibility.

Applicable law

English law applies to your relationship with us. Similarly, unless you and your insurer agree otherwise, English law applies to your relationship with your insurer and your insurance contract.

Who Is this Information Directed At?

The pages on this website are only directed at United Kingdom residents and comply with appropriate UK legislation and regulation.