The Consumer Insurance Disclosure and Representations Act 2012 places the obligation on the seller to ensure that the information obtained during the quotation stage is clear, specific and accurate. This means that it is our obligation to take reasonable care to ensure that the questions we ask is clear and the information you have given is correct. If the information is found to be inaccurate we are legally allowed, under the act, to remedy the situation in order to take into account what we would have done had we been in possession of the correct information at the time of quotation. This means that either we can offer different terms or void your policy off completely.
Because of this act it is our typical process that once a car insurance policy application has been completed online, and your holding deposit has been taken, our call centre staff will call you to validate all your information as supplied to us. If the information is not 100% accurate, and any alternations are required, some of our insurers may apply charges for changing your policy information. This may result in your premium being adjusted to reflect the new risk. In some instances, this may result in the insurer denying to cover you further, which may prompt us to migrate your risk to a new insurer wherever possible. This process may also result in an increased premium, or your policy being voided off completely.