Instructor's FAQs

A selection of questions and answers you may have about becoming an introducer

National Learner Driver Insurance Terms Of Business And Conditions.

About us.
National Learner Driver Insurance is a trading style of Covered Insurance Services Limited who is an appointed representative of 3XD Limited who is authorised and regulated by the Financial Conduct Authority (FCA) registration number 469379. As such, Covered Insurance Services Limited is permitted to arrange and deal as an agent of insurers and clients with respect to certain specified non-investment insurance policies. You can check this out on the FCA’s website at www.fca.org.uk, which includes a register of all the firms they regulate, or by calling the FCA on 0800 111 6768.

Which companies do we deal with?
For Policies issued prior to 1st May 2018.
We offer you insurance products exclusively through Catlin Insurance Company (UK) Limited.

For Policies issued on or after 1st May 2018.
We will offer you insurance products exclusively through KGM Underwriting Services Limited

What products do we offer?
We offer fully comprehensive motor insurance policies specifically for learner drivers. The brands we use are as follows:

  • Covered Learner Driver Insurance
  • Covered Owner Learner Driver Insurance
  • National Learner Driver Insurance
  • Covered On Demand

Advice we offer. We provide you with a Non-Advised Service, meaning you will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make a choice about how to proceed.

Information you supply to us.
Under the Consumer Insurance Act, you must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your insurance policy. You must tell us as soon as possible about any change in the information you have provided to us, which happen before or during any period of insurance. When we are notified of a change, we will tell you whether we are able to accept the change and if so, whether the change will result in revised terms to your policy. If you do not inform us about a change it may affect any claim you make or could result in your insurance being invalid. If the information provided by you is not complete and accurate:

  • We may cancel your policy and refuse to pay any claims, or
  • We may not pay any claims in full, or
  • We may revise any terms or endorsements, or
  • The extent of the cover may be affected, or
  • Your insurance policy and cover may be cancelled

If you are in any doubt, please do not hesitate to contact us.

If for any reason you change your mind about your purchase, you have the right to cancel the policy and its cover. The following terms will apply.

Cancellation and Cooling-Off Period

(a) Applicable to Policies of 14 and 28 days

(i) Statutory Cancellation Rights – Cooling-Off Period

There are no statutory cancellation rights under this policy, as all periods of cover will have ended within a period of thirty (30) days from the date of commencement.

(ii) Your Right to Cancel

You are entitled to cancel this policy by notifying us in writing or by telephone on 0345 519 4969. Any return of premium due to you will be calculated at a proportional daily rate depending on how long the policy has been in force unless you have made a claim in which case the full premium is due.

The administrator will charge you an administration fee of GBP 20 in the event you cancel the policy.

(b) Applicable to Policies of 56, 84, 112 and 140 days

(i) Your Right to Cancel during the Cooling-Off Period

You are entitled to cancel this policy by notifying us in writing or by telephone on 0345 519 4969 within fourteen (14) days of either:

(1) the date you receive this policy; or

(2) the start of your period of insurance

whichever is the later. Where your policy has been purchased over the internet, receipt of the documentation will be deemed to have taken place when it has been received by you at your nominated email address.

If this policy is cancelled before the start of your period of insurance a full refund of any premium paid will be made, otherwise any return of premium due to you will be calculated at a proportional daily rate depending on how long the policy has been in force unless you have made a claim in which case the full premium is due.

(ii) Your Right to Cancel

You are entitled to cancel this policy after the cooling-off period, if applicable, by notifying us in writing or by telephone on 0345 519 4969. Any return of premium due to you will be calculated at a proportional daily rate depending on how long the policy has been in force unless you have made a claim in which case the full premium is due.

The administrator will charge you an administration fee of GBP 20 in the event you cancel the policy.

(c) Our Right to Cancel

We are entitled to cancel this policy, if there is a valid reason to do so, including for example:

(i) any failure by you to pay the premium; or

(ii) a change in risk occurring which means we can no longer provide you with insurance cover; or

(iii) non-cooperation or failure to supply any information or documentation we request, such as details following an accident;

by giving you seven (7) days’ notice in writing. Any return of premium due to you will be calculated at a proportional daily rate depending on how long the policy has been in force unless you have made a claim in which case the full premium is due.

In the event that we cancel the policy as a result of the car not having main insurance cover in place the administrator will charge you an administration fee of GBP 20, you will not be charged a fee if we cancel for any other reason.

Under the Road Traffic Act 1991 or any subsequent or amending legislation, it is an offence not to surrender your certificate or insurance within seven (7) days of the cancellation date.

Fees you will pay to us.

The fees you will pay are as follows. These fees are not refundable:

  • Change of vehicle £15.00
  • Change of address £15.00
  • Policy Cancellation fee £20.00 (where applicable)
  • Change of email address NIL
  • Credit Card fees NIL
  • Administration Fee NIL
  • Quotation Fee NIL

Protecting your information.
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurers and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to request sight of personal information about you that is held in our records, whether electronically or manually.

Information we collect through the website.

  • The information that is collected via the website includes any personal details you knowingly provide through forms and email, such as name, address, telephone number and any other information necessary to provide insurance coverage.
  • All payment transactions are handled through Sage Pay, for more information on Sage Pay policy please refer http://www.sagepay.com/terms_conditions
  • The only information that is retained from your card is the transaction date and whether the transaction was successful or not. The type of card, number, expiry date and security code (the three digit number on the back of the card) is not retained
  • We collect and retain your Internet Protocol (IP) address - this is a string of numbers unique to your computer.

If you have any queries, please write to the Operations Manager, 3XD Limited at the address shown on your policy document.

Protecting your money.
Prior to your premium being forwarded to the insurer, your money is held in a client bank account on trust for you and your policy is treated as being paid for.

Your money will be protected at all times because of the requirements of FCA rules. We reserve the right to retain interest earned on this account.

By accepting this Terms of Insurance Business document, you are giving your consent for us to operate in this way.

How to claim.
Please refer to your policy summary, your policy document or our web site www.coveredlearnerdriver.com. If you need to notify us of a claim, you should contact the insurer direct as soon as possible by telephoning 0800 066 5364. This telephone line is available 24 hours a day.

It is our intention to provide a high level of service at all times. However, if you have reason to make a complaint about our service in respect of this insurance product, you should contact 3XD Limited at the address shown on your policy documents. Subsequently, you may be entitled to refer the matter to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0300 123 9 123 or 0800 023 4567, and further information is available at http://www.financial-ombudsman.org.uk. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

You can also use the online European Online Dispute Resolution platform to provide details of your complaint, which will then be forwarded to the Financial Ombudsman Service. To access the Online Dispute Resolution Service go to. http://ec.europa.eu/consumers/odr Alternatively, you can contact the Financial Ombudsman Service directly.

If your Policy was issued prior to 1st May 2018
If you are unhappy about claims handling, you should initially contact Catlin Insurance (UK). Limited in writing, by phone or email. Address any correspondence to: The Complaints Manager, Catlin Insurance Company (UK) Ltd, 20 Gracechurch Street, London, EC3V 0BG. Telephone 0207 743 8487. Email catlinukcomplaints@catlin.com

If your Policy was issued on or after the 1st May 2018
if you wish to make a complaint, you can do so at any time be referring the matter to:

KGM Motor, St James House 27-43 Eastern Road
Romford, RM1 3NH
Telephone Number: 020 8530 7351
Email address: mailto:compliance.kgm@kgmus.co.uk

In the event you remain dissatisfied you can refer the matter to the Complaints Team at Lloyd's:
Complaints Team Lloyd's, One Lime Street London, EC3M 7HA

Telephone Number: 020 7327 5693
Email address: complaints@lloyds.com
Details of Lloyd’s complaints procedures are set out in a leaflet “Your complaint - How We Can Help” available at www.lloyds.com/complaints and are also available from the above address. If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services.

Availability of the website.
Whilst we have taken care in the preparation of the website, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the site at all times, that defects will be remedied, or that the site, or the server that makes the site available, are virus or bug free. Access may be suspended occasionally, or restricted, to allow for repair or maintenance or for the introduction of new services.

Images, logos, names and trademarks on the site are proprietary marks of Covered Insurance Services Limited and/or any applicable relevant third party. Unless otherwise agreed in writing nothing on the site shall be deemed to confer, on any person, any licence or right to use any such image, logo, name or trademark, and any such use may constitute an infringement of the rights of the holder.

Ownership of all materials on the website.
We are the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the website unless otherwise stated. The site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice. Interference or entry to the site with intent to corrupt, damage or deny service from the site, or for other commercial benefit, shall be taken seriously, and we shall take such action as is necessary to protect the site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you, and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement, and that no proof of special damages is necessary for reliance on such remedies.

Product terms and conditions.
The content of the site does not constitute an offer by us to sell products and services. Your application to purchase a product or service represents a request by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the site to purchase the product or service then, assuming such product or service is available to you and your request is accepted, you will receive confirmation of your purchase.

The information and descriptions on the site do not necessarily represent complete descriptions of all terms, conditions and exclusions, and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

If you apply for any product or service detailed on the site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product of service terms and conditions, the latter shall prevail.

You must ensure that the details you give to us while using this site are correct, and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal, the credit or debit card you are using must be your own and not in anyone else's name.

External links.
We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the site. We do not endorse or take responsibility for the content on third party websites, or the availability of those websites, and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk.

Site access and usage.
The site is directed at those who can access it from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

You must not use the site in any way that causes, or is likely to cause, access to be interrupted or impaired in any way, and you acknowledge and agree that you are responsible for electronic communications sent from your computer. Introduce or attempt to introduce any virus or other contaminant to the site or any of its software or systems; or in any way attempt to access, alter, de-compile, reverse engineer, destroy or otherwise tamper with any part of the site, its software or systems.

Monitoring of telephone calls and email correspondence with us, as a result of your access to the site, may be recorded for training and compliance purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.

If you breach these terms of use, and we do not take immediate action against you, we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and law.
These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of England and Wales.

We will do our best to correct errors and omissions as soon as we can. Nevertheless, on occasion, there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown, then we reserve the right to cancel that contract, but this, of course, will be without any liability to you and a refund will be offered.

The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website, or if the website is unavailable, and we shall not be liable for any direct or indirect economic losses (including without limitation) loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings; loss of goodwill or reputation, special, incidental, consequential loss or damage, suffered or incurred, arising out of or in connection with your use of this website and these terms and conditions.

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet, including but not limited to, loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this site.

Document National LDI TOBA

Doc change Feb 01 2017