All you need to know
Who we are
Doddle Cover is a trading name of Insenture Underwriting Services Limited that is authorised and regulated by the Financial Conduct Authority (No 923592). This can be checked on the Financial Services Register by visiting the website: www.fca.org.uk or calling the FCA: 0800 111 6768.
What we do
We are a non-advisory intermediary that act on your behalf to arrange your insurance. We will not provide advice or recommendations but instead will offer the most competitively priced product available from our range of insurers that is most suited to your demands and needs. If you decide to purchase a policy through us, you do so at your own choice and confirm that the product is suitable for your needs.
We will endeavour to issue your policy documentation on the day you arrange cover with us, but at times where this is not possible your documents will be issued the next working day.
We will notify you how to renew in good time prior to the expiry of your policy.
1 - Duty of Care - Please take reasonable care to answer all questions honestly and to the best of your knowledge, as any product will be based on the information you have provided. Incorrect risk details provided either accidentally or deliberately may lead to an increase in your premium, invalidate your insurance cover, result in your insurer reserving the right to cancel your policy, or treat the policy as if it never existed. Incorrect information could also lead to claims being rejected or not fully paid.
You must therefore provide complete and accurate information to us at all times including when arranging your insurance and throughout the lifetime of any policy. Any change in your circumstance or the risk itself, such as changing occupation or receiving endorsements on your licence must be notified to us immediately. If you are unsure about disclosing any information, please ask us for guidance. You are reminded that it is an offence under the Road Traffic Act to make false statements or withhold any relevant information to obtain a certificate of motor insurance. Under the Rehabilitation of Offenders Act you are not required to disclose convictions regarded as ‘spent’.
2 - Taxi Dashcam & Mobile Application - We will not provide any cover under our taxi product insurance (other than that required by the Road Traffic Acts), if an accident occurs whilst you or any other insured person whilst driving is not using the app and dashcam provided in accordance with the terms of your policy, you must also supply all accident data without delay to the claims department in the specified period. Failure to do so will result in us recovering from you or the driver all sums paid (including legal costs) whether in settlement or under a judgement of any claim arising from an accident.
3 - Check Your Documents - It is vital that you take the time to immediately check all documentation that we send to you including application forms, schedules, certificates, cover notes and policy wordings to ensure all the information stated is present and correct. If you feel that any documentation is incorrect, you should contact us immediately.
4 - Notify Accidents / Claims - All accidents regardless if you intend to make a claim should be notified to us immediately on:
0330 124 6277
4 - Supporting Documentation - To maintain our competitive premiums, validate your information and to combat fraudulent activity, your insurer may require you to provide certain documentation. These requirements will be outlined to you at the point of sale and in your Welcome Pack. Any supporting documentation that does not correspond to the information you have provided will be corrected and where applicable an additional premium may be charged by your insurer. We will also apply the charges set out below. You can provide the supporting documentation to email@example.com or via our document portal here
Failure to provide the supporting documentation within 23 days of accepting the policy may lead to your policy being cancelled and charges imposed in line with our Cancellation section of this document.
6 - Anti-Fraud Registers and Other Searches - To ensure you are offered our most competitive premiums now, at renewal and at any other time and to protect all customers from fraud, many insurance providers operate a credit scoring system and will use the information you provide to carry out checks with credit reference agencies, fraud prevention agencies, and other public and privately available sources of information. These checks can include electoral roll and credit information.
The information is used to verify your identity and is registered as a general insurance search. The searches may appear on your credit report whether or not your application for insurance proceeds, but will not harm your credit rating or adversely affect your credit profile. Whilst we do not carry out credit checks on our website, we or our partners may do so at any stage of the quote or purchase process, regardless if you obtain a quote via the internet or over the phone.
How we are remunerated
We may receive a commission from the insurer in return for arranging your policy. We also apply the following charges for our service and where a charge is variable, we will confirm an exact figure to you before any transaction.
New Business: Fee up to 15% of the insurer quoted premium
Renewal: Fee up to 15% of the insurer quoted premium
Making a change to a policy: £25 (excluding the first change of vehicle registration where no charge is made)
Our charges are non-refundable. Where you have chosen to pay for your premium through a third party finance provider, we may be paid commission for the arrangement of your credit agreement. We may also receive income from claims management companies and / or remuneration for profitability of the insurer.
Cancelling your policy
We really recommend that you get in contact with us before deciding to cancel your insurance policy to discuss your options. You have the right to cancel your insurance policy at any time, but charges will vary depending on when you cancel. When your policy is cancelled, any additional products are cancelled at the same time and our service charges and those of the insurer are not refundable. Any refunds due can take up to 30 days to be processed.
There are occasions where we will enforce cancellation of your policy. This is only performed when there is a good reason or if your insurers have instructed us to do so. Before cancelling your policy, we will always send at least seven days written notice to your last known address. The cancellation will be treated as a standard cancellation and you will incur the same charges as set out below.
Cancelling before cover starts
If you have instructed us to start a policy, but choose to cancel before any cover has commenced, we will charge £50.
Cancelling within the cooling off period
If your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A pro rata charge for the time your policy was on cover
- A charge for the time any optional additional products were cover*
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dashcam is issued by us and not returned
*If you have used the service of any optional additional products within the cooling off period, the full charge of the additional product will apply.
Cancelling after the cooling off period
If your cover has started and you decide to cancel your policy outside of the cooling off period, and provided you have not made a claim or had a claim made against you, you will be charged the following;
- A charge for the time your policy was on cover plus any insurers cancellation fee*
- The full cost of any optional additional products, regardless if the service was used
- A cancellation charge of £50
- The policy arrangement fee
- A charge of £75 if a dash-cam is issued by us and not returned
*For the cancellation calculation for each insurer please refer to your policy booklet.
If you are paying your premium by instalments, where the total cost for your cover exceeds the amount that you have paid the third party finance provider, you will be required to pay the difference within 7 days. Failure to do so may result in us taking steps to recover any debt through a debt recovery agency that may apply further charges to the balance.
If you cancel your policy and you have made a claim, or a claim has been made against you, the full premium is due and any remaining instalments will need to be settled.
All non-annual policies (i.e. with a policy term less than 12 months) are calculated on a proportionate basis less a charge of £50 plus Insurance Premium Tax if applicable to cover our administration costs.
Tree Planting Initiative - All policies that are included will only become eligible once outside of the cooling off period.
Credit/Debit Card Payment
Please note that any refunds can only be made back to the card used for the original transaction, or where this is not possible a cheque or BACS transfer will be issued.
If you choose to pay your premium by monthly instalments, we will arrange this for you through Close Brothers Premium Finance unless your application for credit is declined. This method of payment works like a loan, where the finance provider will pay your insurance premium to us in full and you will pay back the finance company by monthly instalments including any interest applicable to the loan. We are a credit broker and not a lender.
Please note that paying your premium by monthly instalments does not provide a month’s cover at a time, you will have entered into an annual contract of insurance and have chosen a more manageable method of paying your annual premium. You are responsible for paying the monthly instalments when they fall due, please therefore take note of the payment schedule provided to you. A missed payment charge of £30 will be incurred for failing to pay a monthly installment this will be charged by Close Brothers Premium Finance, and if overdue payments are not received within 7 days of defaulting, we will commence the cancellation process.
For your protection, if you cancel your direct debit it will not automatically cancel your insurance policy, and could lead to unnecessary charges being applied to your policy. You should always contact us in accordance with the ‘Cancellation’ section of this document.
The finance providers will have their own terms and conditions, which you should read carefully upon receipt, and additional charges will be applied for the administration of a dishonoured payment. You will receive the credit agreement from Close Brothers Premium Finance that you will need to sign and return. Failing to do so may result in your finance agreement to be cancelled which could affect your insurance policy.
We reserve the right to withhold documentation until due payments have been made. We will provide any documentation that we are required to do so by law.
Making a complaint
We are dedicated to delivering a first class level of service to all policyholders. However, we accept that things can occasionally go wrong and would encourage you to tell us about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. Our customer service team are here to help on 0330 124 5773 or Complaints@Insentureunderwriting.com who will do all they can to swiftly resolve the issue. You can request a copy of our complaints procedure free of charge at any time.
You can also write to us at:
Insenture Underwriting Services Limited
94 - 102 Highstreet
We will make every effort to resolve your complaint by the end of the third working day after receipt. If we cannot resolve your complaint within this timeframe we will acknowledge your complaint within five working days of receipt and do our best to resolve the problem within four weeks by sending you a final response letter. If we are unable to do so, we will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks.
When contacting us please provide:
- A policy number and/or claim number.
- An outline of your complaint.
- A contact telephone number.
If we are still unable to provide you with a final response at this stage, we will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address:
Harbour Exchange Square
The Financial Ombudsman Service
You may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure stated above. If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter. You may only refer to the Ombudsman beyond this time limit if we have provided our consent.
Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action.
If you have any suggestions or comments about our cover or the service we have provided please email Info@Insentureunderwriting.com - We always welcome feedback to enable us to improve our products and services.
For our joint protection telephone calls may be recorded and monitored by us.
If you are still dissatisfied with the way your complaint has been handled, you can use the Online Dispute Resolution Platform (ODR) to submit your complaint for an independent assessment at: https://ec.europa.eu/info/index_en/
Protecting Your Money
We hold your premium payment in a Client Money Bank Account until it is passed to your insurer. We cannot use your money for any other purpose other than to pay the insurer that your insurance is arranged with. We may earn interest from money held in this account, which we will retain. Unless you tell us otherwise, you are consenting to us holding your money in this way.
The laws of England and Wales govern this agreement and any dispute is subject to the exclusive jurisdiction of the English courts.
How We Use Your Information
How we may collect your information
We may collect details about you from:
- Information you give to brokers.
- Information you give us in online forms and other forms.
- Other sources such as Google Earth and social media.
- Third parties and other sources.
- Telematics systems, dash-cams and mobile applications.
What information we may collect about you
We collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.
How we may share your information
In order to provide our services to you, we may share your information with insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies. Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.
How we may use your information
We may use your information for a number of purposes. These include:
- Providing you with our services.
- Dealing with your claim.
- Carrying out checks such as fraud checks and credit checks.
Driving Licence Checks
We may also provide your (or any named third party) driving licence number (DLN) and other details to the DVLA to confirm licence status, entitlement and relevant restriction information and endorsement / conviction data. Searches may be carried out prior to your policy commencing and at any point during your insurance policy including any mid-term adjustment and renewal stage. For details relating to information held about you by the DVLA please visit www.dvla.gov.uk. The DVLA may also be used to search your (or any named third party’s) no claims discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement. We may pass details of your no claims discount to certain organisations to be recorded on a NCD database.
Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Bureau (MIB). MID and the data stored on it, including your personal details, may be looked at and used by certain statutory and/or authorised bodies including the Police, the DVLA, the Insurance Fraud Bureau and other bodies permitted by law.
If you are involved in an accident (in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant 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.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration details are shown on the MID at www.askmid.com.
Fraud Prevention and Detection
We carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance. When carrying out these checks, we will search against fraud detection databases. We may pass details about you to some of these databases. Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.
We may process data relating to your claims history for the purposes of assessing any claim you may make.
The aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.
Credit Searches and Accounting
In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.
Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.
Sometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.
For our Doddle Taxi customers where a dash-cam and mobile application is the mandatory the following terms also apply.
The Doddle Cover Taxi Cover App collects and transmits data on location, mileage driven, driving style along with the time and impact speed if your insured vehicle is involved in an accident. The app collects location data whilst you are driving even when the app is closed or in the background. This data is processed to help identify driver safety. We will not communicate this information to you or take any action unless there is a repeated occurrence of an extreme driving event.
For further information we may:
- Collect GPS location information every second during an active journey using the GPS sensor in your phone.
- Record Raw Trip Data which consists of the date and time for each one second GPS data point as well as a measurement of the GPS Horizontal Precision at that point in time.
- Compare your acceleration events against others who have used the system and generate driver scores based on how you compare with the other reference drivers.
- Compare your speed against a database of legal speed limits throughout the journey and generate a speeding score based on how much of your driving is within the legal speed limits. - Use your Driver Scores, Raw Trip Data or speeding related incidents, to influence aspects of your insurance policy or influence offers from us for other insurance policies. This may include changing the deductible (excess), offering you a discount, or in extreme cases withdrawing insurance cover.
- Capture photographs of certain documents and items that may be associated with your policy or potential insurance product purchase.
- Collect a GPS location fix for each photograph taken by the app including a date and time stamp. - Process each photograph taken on our platform and electronically read and store the text within the photographs which may include a vehicle number plate or name, DOB and address information from a photo of a driving licence.
- Automatically identify or compare faces in an uploaded photograph against other documents provided.
- Process, review and store Dashcam footage uploaded to us to administer or maintain the policy or to investigate any event or incident that may have been recorded by the Dashcam.
Raw Trip data is anonymised and retained indefinitely and may be used by our Telematics provider and their associated partners for the purposes of improving systems, general analysis or generating new aggregate data sets.
We and/or the telematics provider may process Raw Trip Data to generate Driver Scores.
We will only hold your personal data for as long as we are required in law and by our regulators. Your Rights as a Data Subject
Under Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).
Data Protection Officer
If you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at:
The Data Protection Officer
Insenture Underwriting Services Limited
1st Floor 94 - 102 Highstreet
We endeavour to place your business with insurers who have adequate means to meet their obligations but cannot guarantee the solvency of any insurer and we shall not be liable for losses suffered by you in the event of the insolvency of an insurer.
Agreement to our Terms of Business does not affect your normal statutory rights.