Our Regulator

MCE Insurance, Crown Way, Rushden NN10 6BS are authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 307832 which can be checked by visiting the FSA's website www.fsa.gov.uk or contacting them on 0845 606 1234. MCE Insurance (MCE) are authorised in advising, arranging, dealing as an agent and assisting in the ongoing administration of insurance policies as an independent insurance intermediary.

Our Service

MCE act on your behalf in advising you on and arranging your insurance needs, as well as helping you with any ongoing changes you may have. We will also assist you with any claim you need to make. We provide policies and issue documentation on behalf of a panel of insurers. We offer a wide range of insurance products, and have access to leading insurers in the market place. For some types of insurance we deal exclusively with a single insurer, which we have selected as offering value for money. Your documentation will be emailed to you at the email address you have provided. Additional charges are payable for documentation to be issued by post.

You may be able to pay for your premium by way of credit agreement through a finance scheme that we have arranged through MCE Premium Finance**. Additional charges and interest will be applied to pay by this method. If you choose this option, full details of payment dates, instalment amounts, interest and charges payable will be forwarded to you separately. You may also pay for your policy in full by way of debit/credit card at the start of your policy. As an agent of your insurer, we will hold your money in statutory trust until such time as it becomes payable to the insurer, in line with FSA regulations.

We reserve the right to withdraw premium indications, including renewal quotations, before they are taken up and to apply any changes notified to us by the underwriters after the indication was given.

Your Responsibility

You must provide complete and accurate information to MCE when you take out your insurance policy, throughout the life of your policy, and when you renew your policy. It is important that you ensure that all statements you make to us, your insurers and our claims department are full and accurate. If you fail to disclose any material information it may invalidate your insurance cover, and may mean that part or all of a claim may not be paid. When the policy documentation is issued, you must read it carefully as it is the basis of the insurance contract you have purchased, and contact us immediately if there are any discrepancies. We will advise you of any premium changes that result from any changes to your documentation.

Following inception of your policy, you are required to forward to MCE proof of any no claims bonus that is being used on your policy and copies of driving licenses, both card and counterpart (or pre-photocard paper licence) for you and any additional persons named on the policy. MCE will then validate the no claims bonus on your policy and record driving licence details to validate identity and driving history.

Should you be unable to produce this documentation or if there is any discrepancy between the documentation and what you have disclosed to MCE, you may have to pay an additional premium from your insurer together with a late disclosure charge from MCE. Where possible, we will add this charge to your existing MCE Premium Finance** agreement and we will notify you in writing of the amended instalment amounts, otherwise it must be paid in full by way of debit / credit card. If no payment is received we shall be entitled to cancel your policy in line with current procedures. In the event of such cancellation you will still be liable to pay the additional premium and MCE late disclosure charge, any refund of insurer premium and set up charge will be offset against the amount owing. You will remain liable for any outstanding balance remaining.

You must contact us if you are having difficulty meeting any payments due through MCE Premium Finance**. Failure to keep up with repayments may result in the cancellation of your policy in line with current procedures. You will remain liable for any outstanding balance following cancellation.

If we insure your motor vehicle under a chassis number you agree to supply us with the registration number within 7 days of the inception date. Failure to supply the registration within this time frame may result in the cancellation of your policy and you will pay a time on risk charge based on the insurer premium detailed within the policy booklet along with a cancellation fee in line with the scale below.

Charges and Fees

MCE's setup and renewal charge is variable and will have been calculated based upon your needs at inception and the market value of the policy as a whole. A proportion of this charge may be refunded if your policy is cancelled mid term. The total cost of your policy is made up of the insurer's premium, MCE's broker charge and insurance premium tax. In addition to MCE's variable set up and renewal charges, we reserve the right to make the following charges for the ongoing administration of your policy. Please note these charges are non refundable outside of the 14 day cooling off period:

Options Packages

MCE has a wide range of Options Packages that can be linked to your policy at premiums to suit everybody. You will be contacted by a member of our team and an Options Package will be tailored to meet your individual needs. The packages available are:

The premiums are variable for each Options Package due to the level of RAC breakdown cover that you will have (Roadside Assistance (10 mile radius recovery); National Recovery; National Recovery and Homestart; National Recovery, Homestart and European) but your advisor will confirm to you, prior to addition, the total cost of your Options Package and what it specifically includes. We may be able to add the premiums to your existing MCE Premium Finance** agreement or the premiums can be paid in full by way of debit / credit card. Your Options Package can be upgraded following payment of an additional premium at anytime during the life of your policy, although no additional cooling off period will be applicable. You will be emailed with the link to your Options Package documentation once it has been added to your policy.

The following is a table of the applicable premiums for each of MCE's Options Packages, depending on the level of RAC cover applied:

Options Packages Cancellation

If you cancel your Options Package but not the main policy within 14 days of receiving the policy documentation, a full refund of the Option Package premium will be issued. After this time, no refund will be given. If you cancel the main policy outside of the cooling off period, then any Options Package taken out will also be cancelled and no refund will be given.

Cancellation

Your right to cancel:

Once you have entered into this insurance contract with us, you are entitled to 14 days to decide whether you wish to proceed known as a "Cooling off Period". This commences from either: the day the contract is finalised or the day on which you receive the full terms of the contract, detailing the full contractual terms, conditions and other information to the contract, whichever is later. Following cancellation within this period, your insurer will make a charge to cover time on risk as detailed within their policy booklet and MCE will also make a £32.00 charge to cover the administration costs of setting up and cancelling the policy. The certificate of insurance must be returned to MCE. The right to cancel does not apply if the policy is terminated as a result of a total loss claim.

Cancellation outside of the cooling off period:

Following cancellation of your policy, depending on how many months into the policy this is, you may be entitled to a partial refund of the insurer's premium. Your policy booklet will advise you how this is calculated. You may also be entitled to a partial refund of MCE's set up charge. A cancellation charge will be payable in line with the scale detailed below. The charge is based upon the insurer's return premium and is the minimum cancellation charge plus the commission earned for arranging the policy. You will be advised of any return premium due back to you and a credit note will be issued to you once the refund is available, this will be when the return premium has been received from your insurer, which could be up to 120 days following the cancellation of your policy. The Options package is non-refundable upon cancellation. Refunds are not normally given if there has been an accident and / or a claim within the period of insurance. In addition to the cancellation charge, If you are paying for your policy by way of MCE Premium Finance** and have not paid all your instalments, there will be a balance outstanding to MCE Premium Finance**. You will be advised if there is any additional outstanding balance payable.

Please note that cancelling the direct debit arrangement with your bank or MCE Premium Finance** does not mean the cancellation of your insurance policy. MCE or your insurer may cancel your policy by sending seven days' notice in writing to your last known address by post. The same cancellation process will be applied whether the policy was cancelled by yourself, your insurer or MCE. We will issue confirmation to you when your policy has been cancelled.

In the event of any outstanding debt to MCE, additional charges will be incurred if the outstanding balance becomes collectable under MCE's Debt Management Program. If the debt remains unpaid, we reserve the right to instruct debt recovery agents to pursue on our behalf. Any proof of no claims bonus will be withheld until any debt is cleared. We reserve the right to offset any debt against any new or existing policy in your name.

Claims

In the unfortunate event of a claim, please contact MCE Claims Assist on 0871 222 7910 who will be able to guide you through the claims process. Certain insurers do not allow substitution of vehicle or cancellation refunds following a claim. Please refer to your policy booklet for further guidance. If you are paying your premium through MCE Premium Finance**, any outstanding balance on your account will become immediately payable following a claim. We reserve the right to deduct any outstanding balance on your account from any settlement cheque that is issued to you following a claim.

At Renewal

A renewal invitation containing a quotation for a new insurance policy and relevant monthly instalments will be sent to you approximately 3 weeks before the current policy is due to expire. If you are happy with the quotation and wish to renew, please contact us any time up to the renewal date. If you would like to pay by instalments through MCE Premium Finance**, a deposit of 10% will be required. If we do not hear from you to the contrary, your policy will be lapsed and no insurance cover will be in force following the renewal date. Please contact MCE for the release of any applicable no claims bonus proof.

Data Protection Notice

Please read this notice as it explains the purposes for which we use personal data and sensitive personal data which we hold.
Please show this to everyone insured to use the vehicle covered under this policy.

Insurance Administration, Renewal and Claims Handling

Information you supply may be used for the purpose of insurance administration, renewal and claims handling by the insurer, its agents, re-insurers and MCE. In assessing any claims made, insurers may undertake checks against publicly available information such as Electoral Register, County Court Judgements, bankruptcy or repossession information. Information may also be shared with other insurers either directly or via those acting for the insurer such as loss adjusters or investigators.

Credit Searches

In assessing your application or renewal, MCE may search files made available to us by Credit Reference Agencies. A record of that search will appear on your credit report, whether or not your application proceeds. By agreeing to the terms and conditions you agree for MCE to conduct this search. MCE may also pass to Credit Reference Agencies information that we hold about you and your payment record with us. 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.

Marketing and Market Research

MCE Insurance, its sister companies and other selected companies may use your information to keep you informed by telephone, e-mail, post, SMS or other means of products and services which may be of interest to you. They may also contact you to conduct market research. Your information may also be used for the above purposes after your policy has lapsed. If you do not wish your information to be used for these purposes, and have not already opted out, please write to the Compliance Manager at the address below.

Claims and Underwriting Exchange Register

Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Limited (IDS Ltd), the Hunter Database, run by Experian Ltd and the Motor Insurance's Anti Fraud and Theft Register, run by the Association of British Insurers (ABI) to help them check information provided and also to prevent fraudulent claims. When they deal with your request for insurance, they may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident, they will pass this information to the registers. You can ask us for more information about this.

Motor Insurance Database

Information relating to your insurance policy details will be added to the Motor Insurer Database (MID) managed by the Motor Insurers' Bureau (MIB). The MID and the data stored on it may be used by the certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, The Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
i Electronic Licensing
ii Continuous Insurance enforcement;
iii Law enforcement (prevention, detection, apprehension and/or prosecution of offenders)
iv The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.
If you are involved in a road traffic collision (either in the UK or the EEA or certain other territories), insurers and/or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic collision (including citizens of other countries) may also obtain relevant information which is held on the MID.
It is vital the MID holds your correct registration number. If it is incorrectly shown on MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com

Sensitive Personal Data

In order to assess the terms of the insurance contract or administer claims, the insurer will need to collect personal data which the Data Protection Act 1998 defines as sensitive, such as medical history or criminal convictions. By proceeding with this contract, you will signify your consent to such information being processed by the insurer or its agents.

Following payment of a fee you are entitled to request a copy of information we hold about you. If you have any questions or you would like to find out more about this notice please write to the Compliance Manager, MCE Insurance, Crown Way, Rushden, Northamptonshire NN10 6BS.

Complaints Procedure

If you should wish to make a complaint about our service, we have a formal complaints procedure. A copy is available on request. In the first instance you should contact us on 0870 420 75 09 addressing your complaint to the department Team Leader or write to Compliance Manager, MCE Insurance, Crown Way, Rushden, NN10 6BS.

Governing Law

This agreement shall be governed by and construed in accordance with the Laws of England and Wales.

**MCE Premium Finance is administered by Close Premium Finance.