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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)
 
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 aim 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. 

Your Responsibilities

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’.

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.

Notify Accidents / Claims

 

All accidents regardless if you intend to make a claim should be notified to us immediately on 0330 124 6277

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 documents@doddlecover.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. 

Making a change to your policy

During the year it's likely you'll buy a new vehicle, change where you live or even get a new job.

 

It's really important that any change to your circumstances or the risk itself must be notified to us immediately. If you're unsure about disclosing any information just ask one of our team!

 

Call our team on 0330 124 5773 and we'll let you know exactly how the change will affect your policy and insurance premium. We charge a £30.00 administration fee in addition to any insurer charges for all changes.

 

Our team is on hand from 9am - 7pm on weekdays and 9am - 2pm on Saturdays and Bank Holidays.

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. All our and insurer fees / charges are non-refundable.

Setup Fee: A fee of up to 15% of the insurer quoted premium may be charged.

Making a change to your policy: For all changes to your policy we charge a fee of £30.00 plus any insurer charges.

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 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. 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 notify you by email to the last known email address you have provided. 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 cover has commenced we will charge £60.00 plus any insurer setup fees or cancellation charges*

* All insurer fees / charges can be found here

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, we will charge:

- A pro rata charge for the time your policy was on cover plus any insurer setup fees or cancellation charges*
- Our policy arrangement fee
- Our cancellation charge of £60.00
- The full cost for any optional additional products if the benefit has been used.

* All insurer fees / charges can be found here


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, we will charge:

- A charge based on the time your policy was on cover plus any insurer new business, renewal or cancellation charges**
- Our policy arrangement fee
- Our cancellation charge of £60.00
- The full cost for any optional additional products purchased.


* All Insurer charges can be found here

 

** Please see your policy wording for full cancellation terms of each of our insurers. 

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 and any fees are due. Any remaining instalments will need to be settled.

Payment Options

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.

 

Monthly Instalments
 

If you choose to pay your premium by monthly instalments, we will arrange this for you through a finance provider 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 will be incurred for failing to pay a monthly instalment 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 your finance provider 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:


Doddle Cover

1st Floor
94 - 102 Highstreet

Hampton Hill

TW12 1NY

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:

 

Exchange Tower
Harbour Exchange Square 
London

E14 9SR
Email: complaint.info@financial-ombudsman.org.uk

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.

Customer Feedback

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.

Telephone Recording

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.
 

Governing Law


The laws of England and Wales govern this agreement and any dispute is subject to the exclusive jurisdiction of the English courts.

Insurer Solvency

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. You can find more information regarding rating of our insurer partners here

How we use your information

You can check our Privacy Policy here

Insurer Fees

We are partnered with a number of insurers that charge a range of fees. These fees will always be included in all our quotations.All insurers are non-refundable if you chose to cancel the policy and can be found in full here

Statutory Rights


Agreement to our Terms of Business does not affect your normal statutory rights.

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