ATTENTION: This legal notice applies to the entire contents of this website under the domain name www.peterbestinsurance.co.uk ("the Website") and to any correspondence by email between us and you in relation to any insurance policies arranged by us. Please read these terms and conditions (“Terms”) carefully before using this Website. Using this Website indicates that you accept these Terms regardless of whether or not you choose to secure insurance offered on this Website. If you do not accept these Terms, please do not use this Website. This notice is issued by Peter Best Insurance Services. Our registered office is at: Tollgate House, 96 Market Place, Romford, Essex, RM1 3ER. Peter Best Insurance Services are an independent intermediary who are authorised and regulated by the Financial Conduct Authority and our Firm Reference Number is 307045.
We may update these Terms at any time. You should review these Terms every time you visit this site to check for any amendments, because they are binding on you.
If you continue to use this Website after the date on which the change comes into effect, your use of the Website indicates your agreement to be bound by the new Terms.
Unless otherwise indicated, our products and services are only available to UK residents who access this Website from within the UK.
If you use this Website to apply for insurance, you confirm that you are over 17 years old and are not impersonating another person.
We aim to offer very competitive insurance but not everybody will be eligible to take out some of our insurance products. We reserve the right to refuse to offer you a quote if you are not eligible for the selected insurance product.
You are permitted to print and download extracts from this Website provided that:
- no documents or related graphics on this Website are modified in any way;
- no graphics on this Website are used separately from accompanying text; and
- our copyright notice and this permission notice appear in all copies.
Unless otherwise stated, the copyright and other intellectual property rights in all material on this Website (including, without limitation, photographs and graphic images) are owned by us or our licensors. For the purposes of these Terms, any use of extracts from this Website other than in accordance with the provisions above for any purpose is prohibited. If you breach any of the Terms, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.
Subject to the above provisions, no part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.
Any rights so expressly granted in these Terms are reserved.
While we endeavour to ensure that this Website is available 24 hours a day, we will not be liable if for any reason this Website is unavailable at any time or for any period.
Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.
Other than personally identifiable information, any material you transmit or post to this Website will be considered non-confidential and non-proprietary. We will have no obligations with respect to such material. We will be free to copy, disclose, distribute, incorporate and otherwise use such material and/or data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.
You are prohibited from posting or transmitting to or from this Website anything:
- that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy, or which may cause annoyance or inconvenience;
- for which you have not obtained all necessary licences and/or approval;
- which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
- which is technically harmful (including, without limitation, computer viruses, logic bombs, worms, harmful components, corrupted data or other malicious software or harmful data).
You may not misuse the Website (including, without limitation, by hacking).
Links to third party websites on this Website are provided solely for your convenience. If you use these links, you will leave this Website. We have not reviewed all of these third party websites and we do not control and are not responsible for these websites or their contents. Therefore, we do not endorse or make any representations about them, or any material found there, or any result that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.
If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions:
- you do not remove, distort or otherwise alter the size or appearance of our logo;
- you do not create a frame or any other browser or border environment around this Website;
- you do not in any way imply that we are endorsing any products or services other than its own;
- you do not misrepresent your relationship with us nor present any other false information about us;
- you do not otherwise use any of our trade marks displayed on this Website without express written permission from us;
- you do not link from a website which is not owned by you; and
- your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with applicable laws and regulations.
We expressly reserve the right to revoke the rights granted above for breach of these Terms and to take any action we deem appropriate.
You shall fully indemnify us for any loss or damage suffered by us or any of our group companies for breach of the above provisions.
While we endeavour to ensure that the information on this Website is correct, we do not warrant the accuracy and completeness of the material on this Website. We may make changes to the material on this Website, or to the products and prices described in it, at any time without notice, the material on this Website may be out of date, and we make no commitment to update such material.
The material on this Website is provided on a "as is" basis without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with this Website on the basis that we exclude all representations, warranties, conditions and other terms, (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this Website.
The following “Exclusion of Liability” statement should be read carefully as this explains the exclusions and limitations of our liability arising from your use of this website.
While care has been taken to ensure that the contents of this website are both accurate and complete we and any other party (whether or not involved in creating, producing, maintaining or delivering this Website) accept no liability or responsibility in tort (including without limitation, negligence, contract or otherwise) for any amount or kind of loss or damage which may result to you or a third party including and without limitation to any;
- direct, indirect, punitive or consequential loss or damages
- loss of income, profits, goodwill, data, contracts, use of money,
- loss or damage arising from or in connection in any way to business interruption,
Access and use of this Website is at your own risk. We do not accept liability or responsibility or otherwise which may result in your inability to use the Website functionality; neither do we 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 or websites linked to this Website, including but not limited to loss or damage due to:
- viruses that may infect your computer equipment including but not limited to spyware, malicious software Trojans and worms
- software, data or other property on account of your access to the use of, or browsing of this Website or your downloading of any material from this Website or any websites linked to this Website.
"We" means any of our officers, directors, employees, or shareholders (or agents of them).
Nothing in this legal notice shall exclude or limit our liability for (i) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act l977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under applicable laws.
If your use of material in this Website results in the need for servicing, repair or correction of equipment, software or data, you are assumed to have accepted all responsibility together with the associated and resultant costs.
We want you to be confident that we take data protection and your privacy seriously. As a regulated company and data controller we are responsible for the security and management of the personal information we hold about an individual. That’s why we have invested in our systems and processes to ensure that the way we collect, use, share, and store your information meets the legal, regulatory and our own standards.
This notice explains how we collect, use and store your personal information when you use our services or contact us (including any personal information given to us about other people named on the quote, policy, quote or claim).
We act as the data controller in respect of your personal data and are committed to protecting your privacy. We will process the information you have given us (this includes information provided to us via a comparison website) in line with the UK’s Data Protection laws and any other laws that apply.
If your quote originated from a comparison website you should be aware that they act as the data controller of the data that they collect on their site(s). When you click through to our website or disclose information to us directly we are the data controller of the information we collect.Legal basis for processing and your consent
The collection of and processing of data about you and other persons connected with your insurance is necessary for the entering into and performance of a contract or contracts and this forms the legal basis we have for processing information. We also have legal obligations to perform in which case processing of your information is necessary for compliance with the legal obligations to which we are subject, for example Proceeds of Crime Act 2002.
We rely on your actions to indicate your consent for us to collect, process and disclose your information (which may include information about your health and criminal convictions), for example your voluntary provision of your personal data (including if it is given by a representative, agent of your employer), or where you have provided your express consent within a written, verbal or electronic document or other communication.If you do not consent to processing
You are not obliged to provide us with your personal information,but we cannot provide our services without it.
For us to provide our services and to administrate insurance quotes, insurance policies, service policies, and/or deal with any claims or complaints we need to collect and process information (including personal data) about you and any other individuals you may disclose. We may also collect and process information classified as “special categories” or sensitive data.
Information you provide about other people will be processed on the basis that you have provided this information with their explicit consent.
The types of personal data that we process may include but not be limited to:
|Individual details||such as name, address, contact details, martial status, date and place of birth, nationality, employer, job title, family details|
|Identification details||identification numbers issued by government bodies or agencies, including your national insurance number, employers reference number, passport information, tax and driving licence information, utility bills, certificates of incorporation (for businesses)|
|Financial information||bank account and payment card details, income, expenditure or other financial information|
|Risk information||information about you or other persons named or eligible to claim benefits under a policy in order to assess the risk to be insured and provide a quote. This might include data relating to health, criminal convictions, offences, garaging details, mileage details, details of valuable items. For certain types of policy, this could include information such as telematics data.|
|Policy information||Information about the quotes you receive and the policies you arrange|
|Credit and anti-fraud data||see the heading “Credit Searches and fraud prevention” below.|
|Previous and current claims||Information about previous and current claims (including unrelated insurances) which may include data about your health, criminal convictions and surveys.|
|Special categories of personal data||It is possible that special categories of data may be collected through our interactions with you or other parties, in which case we will ensure we meet the additional levels of protection required under the data protection laws.|
In the event of an incident or claim we may also collect information from third parties (such as the other party involved in the claim), law enforcement agencies (e.g. the police), witnesses, experts, loss adjusters, loss assessors, solicitors and claims handlers.
We also use “cookies” to collect data when you use our website(s). Further details about cookies and how we use them can be found in our website notices.
We may also collect personal information when you or your representative or anyone named or contact us, for example to ask us a question, or update your personal information.
To ensure that your personal details are protected, we may ask questions to confirm your identity before we can communicate with you or your representative.What we do with your information
We process and use your personal information to enable us to act as an insurance intermediary and to promote products and services to you. This means we will exchange the information we collect with insurers, other brokers or intermediaries, agents and service providers for this purpose. This includes maintenance of our own accounts and records and to support and manage our staff. Below gives an overview of what we might use your personal information for and whom we might exchange it with:
- Obtain and Provide quotations and arranging your insurance cover
- Administering your insurance policies
- Claims processing or assisting you in your claim
- Complaint handling
- Processing renewals and adjustments
- Complying with our legal or regulatory objectives
- Debt collection
- Premium payment and premium finance arrangements
- Business transfers (where we sell all or part of our business and/or assets to another party)
We may also need to share your personal information with:
- Professional advisors and auditors
- Law enforcement agencies
- Claims handlers
- The MID and MIB
- Any other party as referred to in this privacy notice
- Credit reference agencies
We will also use your personal information to:
- Help train our staff and improve our customer service, website and data bases
- Help us understand our customers and prospective customers
- Prevent fraud and other financial crime
- Ask you to provide feedback to us on the products and services we provide
- Identify risk and manage risk exposure
- develop, improve, and personalise the products we offer
- develop and improve pricing and underwriting and risk selection strategies and processes
- develop and improve our administration, security systems and insurance applications
- promote responsible lending and help prevent over-indebtedness
Your contact information will be used to contact you throughout the duration of your policy and may continue beyond that, for example if you have given consent to receive marketing or other communications or make a complaint or a claim is made. Other parties that we share your contact information with may also need to contact you during your policy term and beyond, for example if a claim has been made or you have a complaint.
We will disclose your personal information to insurers, intermediaries, our service providers, contractors, agents and group companies that perform activities on our behalf for these and other purposes described in this policy. We may also disclose your personal information to anyone you have nominated to handle your insurance on your behalf.
To help improve customer service and for quality control and training purposes, telephone calls may be recorded and monitored.
We must make you aware that insurers are legally required to provide details of motor insurance policies to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID data may be used by certain statutory and authorised bodies including but not limited to the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law. Insurers also share information with each other via the Claims and Underwriting Exchange Register (CUE), and the Motor Insurance Anti-fraud and Theft Register, and other data bases (including our own). This exchange of information enables us and insurance companies to verify the information that is provided during the quote or claims process (including information about any third party who is named on the policy) and help prevent fraud.
We must also make you aware that insurers and/or their agents and intermediaries may pass your information to countries within the EU and in some cases may pass your information to countries outside of the EU, for example the United States. On such occasion they must ensure that adequate levels of data protection are in place. The insurers documents will explain how your data will be used.
We may use your no claims discount information to check your entitlement, examine the potential risk in relation to your prospective policy and help prevent fraud. If we do this your information will be checked against the MIB database. Such searches may be carried out against you or the relevant person included on the proposal and may be carried out at point of quote and, if a policy is incepted, at the renewal stage.
If you provide your driving licence number this may be passed to the DVLA for a search to be carried out to confirm your (or any named driver's) licence status, entitlement and relevant restriction information and endorsement/conviction data.
Searches may be carried out as part of your quote and at any point throughout the duration of your insurance policy. A search with the DVLA will not show on your (or the named driver's) driving licence record. For details relating to information held about you by the DVLA, please visit www.gov.uk/view-driving-licence. Undertaking searches using your driving licence number helps insurers check information to prevent fraud and reduce incidences of negligent misrepresentation and non-disclosure.
We or your insurer may also request your (or another relevant person included on the proposal/insurance policy) driving licence information, licence share code and/or a copy of the photocard at any time, for example when a claim arises or in order to validate information you have provided.
When we arrange and administer your policy we might ask you to provide physical forms of identification which might include (but not be limited to) a copy of your driving licence information, utility bills, bank statements, V5, passports, mileage readings etc. For companies (other than listed ones) this might include but not be limited to of a copy of certificate of incorporation, a list of directors, a list of shareholders and the registered address. We may ask for this information at any time.
We may check your personal data or exchange it with credit reference agencies, fraud prevention agencies, and other public and privately available sources of information. These checks may include electoral roll and credit information (including credit history and credit score), sanctions, details of criminal offences, county court judgements, vehicle taxation status, MOT status, and bankruptcy. Insurers may also perform these checks as well. We perform these activities to check your identity, assess credit worthiness, credit scoring, help prevent fraud and money laundering.
Such checks are registered as general insurance searches. They will appear on your credit report and may be viewed by other companies when you apply for credit or insurance. These searches should not harm your credit profile or adversely affect your credit profile.
These checks may be performed at any time including at the time of a quote, purchase process or when your insurance is due for renewal. This may happen regardless of whether you get a quote via the internet or phone. We might need to perform these checks on named individuals on your insurance policy or policies, subject to their consent.
If you make an application for credit the premium finance provider may perform a full credit check which will leave a record on your credit report.
Credit reference agencies will keep records of searches and will share information with other organisations, enabling applications for financial products or services to be assessed, to assist in tracing debtors or to prevent fraud. You have the right to access your credit report held by a credit reference agency.
If you deliberately misrepresent or provide false or inaccurate information and we suspect fraud we will record this on our own data bases and may exchange it with fraud prevention agencies or other authorities, for example the Police.
We carry out automated decision making to decide whether we can provide insurance products to you. We may compare your personal data against industry averages. This data may also be used to help us to sell you other products, help us decide which other products might be of interest to you, and help our risk selection processes. Pricing and underwriting decisions may be performed using automated means or with staff intervention or a combination of both. This can also assist us to understand fraud patterns and help combat fraud. We use an automated quote engine to provide insurance quotes, using the information we have collected.
We carry out analysis of products and services based on your use of our website and other services. Provided you have consented to receive such information from us we may contact you about products and services that may be of interest to you via Post, Email, SMS or Phone.
We do not sell or pass on any client or user information to any third-party companies for marketing purposes, but we may inform you of services or products available from third parties. It is your choice whether you wish to request more information from them. These communications may cover but not be limited to travel, leisure, financial services, charities and shopping.
Remember, if you would prefer not to receive this information from us you can ask us to stop at any time by emailing us at firstname.lastname@example.org. If you change your mind about how we may contact you, you can also manage your preferences at any time by emailing us at email@example.com
We will keep your personal data for so long as is necessary and for the purpose for which it was collected. In particular, for as long as there is any possibility that either you or we may wish to bring a legal claim or a complaint under your insurance, or where we are required to keep your personal data due to tax, legal or regulatory reasons.
To store your information, we may use storage services which are located within the UK or outside the EEA. Where services are based outside the EEA we will ensure that appropriate measures are in place to remain compliant with our obligations in respect of data protection.
When we pass your personal data to insurers, their agents, intermediaries or other service providers you should be aware that they (including their affiliates or sub-contractors) may have offices located outside the European Economic Area (EEA). Transfer of your information should be made in compliance with the applicable data protection laws to ensure your information is properly protected. Your policy documents will set out how your data is used and whether it might be transferred outside the EEA. You should also be aware that those parties and ourselves might use the services of digital storage providers because of the amount of data we collect and process. We ensure that appropriate measures are in place to ensure we only use the services of those providers who meet the standard expected in the applicable data protection laws.
We may record information about your computer or mobile device, including hardware and software used and general location when you use or interact with our websites. We use this information to note your interest in our websites, the products and services we offer, and to improve our marketing strategies, customer journeys, and for anti-fraud purposes.
You have rights under the Data Protection laws including the right to access the information we hold about you (subject to any legal restrictions that may apply), to have the information corrected if it is inaccurate, and to have it updated if it is incomplete. In certain circumstances you may have the right to restrict or object to processing, and to receive an electronic copy of your data under data portability, or to have your data deleted.
You can withdraw consent to us processing your information at any time however, should you do this we will no longer be able to provide our services or administer any contracts and we will need to cancel any insurance policies or service contracts you hold with us, in order to comply with your request.
If you exercise your rights to object to us using your personal information you can do this at any time by telling us. We will consider your request and either stop using your information or explain why we are not able to.
Sometimes we will not be able to stop using or delete your personal information when you ask us to (for example where we need to use it because the law requires us to do so, or when we need to retain the information for regulatory purposes).
If you have any concerns about the way we use your personal information, please contact:
Data Access Team
Grove & Dean Ltd
96 Market Place
Essex RM1 3ER
For more information about Data Protection or if you wish to complain about how we treat your personal information you can contact the Information Commissioner’s Office at:
Tel: 0303 123 1113 or 01625 54 57 45
We have policies and firewalls in place to safeguard the storage of your personal information from unauthorised access and improper use. Although we have security measures in place to protect your information which we monitor regularly, because of the Internet and its worldwide accessibility, we cannot guarantee that your information will remain at all times 100% secure. We therefore take no responsibility in relation to secure storage of your personal information.
Access to personal information on our website is by your user ID and password. Our security procedures are regularly monitored and reviewed.
Processing of quotations is via a secure server. Your browser should confirm this by showing a lock symbol in the bottom right hand corner.
Cookies are small text files, placed on your computer or mobile device by websites or sometimes emails. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like information you have inserted and how you have behaved on a site.
We may at one time or another use three types of cookies on our websites:
- Session cookies that are deleted after each visit.
- Persistent cookies that remain in place across multiple visits to our sites.
- Third party cookies that are used by our approved business partners.
Internet Explorer - you can delete cookies as a Microsoft Internet Explorer user by clicking:
- View Menu
- Internet Options
- Delete Cookies
Mozilla Firefox - you can delete cookies as a Mozilla Firefox user by clicking:
- Cookies (Click "Clear" button)
Google Chrome - you can delete cookies as a Google Chrome user by clicking:
- Wrench icon on browser's toolbar
- Advanced Settings
- Privacy Section – Click "Content Settings"
- "Cookies" section choose "Delete" or "Block" Safari
- Choose Preferences from Safari menu
- Select Security icon
- Press Show Cookies button
- Select the Cookies to be deleted from the list
- Press Delete button
This cookie enables us to assess all web traffic. This means we can improve your browsing experience by making informed decisions from the user data collected.
Our website uses conversion code tracking to establish whether an advertisement has driven an enquiry. Remarketing
We use remarketing advertising to deliver targeting advertising messages to users that have previously shown an interest in our website. We apply strict rules to our remarketing campaigns so you will only be delivered targeted messages and are not bombarded with ad space.
The enquiry forms within the website captures a user’s data prior to form submission. This is so as we can further improve the user journey and also perform a customer service call (if needed) to ensure the user has obtained all of the information required from our website.
We retain the card information you provide to us when payment is made on our website. This assists us in reducing fraud. Any refund we provide to you for any product you have purchased by card will be made back to the card account used to make the initial purchase. Where this is not possible we may choose an alternative method.
The information that you have supplied or will supply in connection with quotations obtained and policies effected through this Website forms the basis of your application for insurance. You must check that this information and all other information and answers you provide are true and accurate and that you disclose all relevant facts. In the event of a claim or upon request, you must be able to substantiate all of the details that you have provided. In particular, you may be asked to evidence your driving licence information, proof of address, proof of installation of fitted vehicle immobiliser or tracker device, and proof of your No Claims Discount entitlement. If any information is incorrect or missing you must notify us immediately.
Failure to notify us of any errors, omissions or amendments could result in your insurance being invalid or a claim not being met.
Any insurance policy purchased through this Website will be subject to these Terms, the Insurance Terms & Conditions we provide to you and the full policy wording. Your policy will be issued as confirmation that cover has been issued, however, a sample copy of your insurer’s policy wording is available on this Website. Your policy will be issued based on the information that you gave to us and the declarations you have made and you are strongly advised to read your policy carefully, as it is this document, the schedule and/or certificate that form the insurance contract you have purchased. If you are in any doubt over the policy terms or conditions please seek our advice promptly.
We operate a two stage sales process which means that whether you buy your insurance online or accept an offer by our sales team you will be contacted by our support team who will check through your information to make sure it is correct and that you are eligible. For policies that are not bought online your insurance cover will not be effective until you have received a call from our support team and they have confirmed to you when cover is effective from. If you have any doubts about your cover or you have not received your policy documents after making a purchase please contact our customer services staff immediately.
We reserve the right to retain your certificate(s) of insurance until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments will include our right to retain certificates of insurance until all such payments have been received. By accepting this agreement you agree that delivery of any certificate including certificates of motor insurance to us shall constitute delivery to yourself in accordance with United Kingdom law.
Cover cannot be granted in the absence of premium payment, or part thereof. In the event of an initial payment not being authorised, cover may not be deemed to have been afforded in any way. It remains your responsibility therefore to ensure that sufficient funds are available so that cover may commence.
Please note that we are only able to arrange insurance on this Website for individuals resident in the United Kingdom (excluding Northern Ireland), continuously for the past 12 months and all contracts arranged through our agency are subject to English Law.
The policies available on this Website are underwritten by a number of different insurers. You will be told which insurer is underwriting any particular policy before you decide to purchase your insurance and you will also be provided with details of the insurer. If you need to clarify anything before buying any insurance policy please contact us. Our opening hours are Monday to Thursday 8:30am - 8:30pm, Friday 8:30am - 7:30pm, Saturday 9:00am - 5:00pm, Sunday and Bank Holidays 10:00am - 4:00pm.
If you are eligible we may be able to offer you the option to spread your payments under a credit scheme by introducing you to a third party finance provider or an insurers’ instalment scheme. In providing this service we are a Credit Broker and not a Lender.
Where applicable details of this service (including any other applicable charges) will be provided in the credit/scheme agreement that the financier will provide to you. We do not charge a fee to arrange direct debits but we may make an administration charge, which will be explained to you when you arrange your policy, to cover the administration of the agreement throughout the term of your insurance policy.
If you have chosen this method of payment, in the event of an instalment becoming overdue or declined we reserve the right to cancel all cover from the overdue time and date.
Following cancellation you will be liable for the immediate payment of any shortfall in premium outstanding and we reserve the right to employ the service of debt recovery agents where necessary.
Please note that a finance agreement is a contract between you and the finance provider, and is separate to the insurance contract.
Please also note that in the event of a claim, any balance of the total amount payable shall become due immediately on demand.