UK policy document

30% discount

Please make sure you read and save a copy of the policy document below before you proceed to buy Tesco Car Breakdown

Before you start

Before completing your application please make sure you have read and printed or saved the Policy Summary and also the Policy Document. These outline the terms and conditions of your insurance cover.

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Your Policy

Tesco Car Breakdown Cover is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. Details of how we (throughout this Policy, reference to 'we' means UK insurance unless otherwise specified) may use the information that you provide to us is detailed in the section entitled Your Information. If this policy does not meet your requirements, please return all documents within 14 days of purchase/receipt of the product or the policy start date. We will return the Premium in full, providing no claims have been made on the Policy during that time. The full annual premium is due if a claim has been made during that period. If you have any questions about your Tesco Car Breakdown Cover Policy, please telephone or write to us at the number or address shown on your schedule.

Important Information

How to Complain

Should there ever be an occasion where you need to complain, please call us on 0845 246 0717.

If you wish to write, then address your letters as follows:

  • Claims related complaints to Customer Relations Department, Tesco Car Breakdown Cover Assistance, Cote Lane, Pudsey, LS28 5GF
  • All other complaints should be addressed to Customer Relations Department, Tesco Car Breakdown Cover, The Wharf, Neville Street, Leeds, LS1 4AZ.

If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London, E14 9SR, telephone 0845 080 1800.

Statement of Demands and Needs

We have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs. This product meets the demands and needs of those who wish to ensure that their specific Rescue requirements are covered.

Details about our Regulator

UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. The Financial Services Authority website which includes a register of all regulated firms can be visited at www.fsa.gov.uk/register (new window), or the Financial Services Authority can be contacted on 0845 606 1234.

Under the Financial Services and Markets Act 2000, should the company be unable to meet their liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Information can be obtained on request or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk (new window)

Contents

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Welcome

Welcome to Tesco Car Breakdown Cover. Tesco Breakdown Cover is underwritten by UK Insurance Limited, which is authorised and regulated by the Financial Services Authority. In association with Green Flag Motoring Assistance. Details of how we (throughout this Policy, reference to 'we' means UK Insurance unless otherwise specified) may use the information that you provide to us is detailed in the section entitled Your Information. These are your Policy terms and conditions and it is important that you read them carefully and keep this Policy in a safe place. This Policy is evidence of the contract between you and us at UK Insurance Limited, based on the information given to us by you orally or otherwise. We rely on the information you supply us. If that information is inaccurate or incorrect your Policy may be invalid. In return for receiving and accepting your Premium, we will provide rescue assistance services on the terms of this Tesco Car Breakdown Policy, as applying in respect of an incident for which cover is available for the duration of your Policy. English Law will apply to the terms of this Policy unless we both agree otherwise. On behalf of the company

Chris Moat
Managing Director

Head Office:
UK Insurance Limited,
The Wharf,
Neville Street,
Leeds LS1 4AZ.

Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ.

Registered in England No. 1179980.

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The Meaning of Words

Wherever the following words and phrases appear in this Policy they will always have these meanings, unless otherwise stated:

After Breakdown Care: is the service detailed in the section entitled After Breakdown Care;

After Breakdown Care Appointment: means the date and time when our Agent provides the After Breakdown Care, such date not to be more than 2 working days after your telephone request for such After Breakdown Care; Agent: is the Green Flag vehicle repair contractor who will provide the After Breakdown Care for you;

Computerised System: is any automatic or computerised operating system, which may be controlled by microprocessors installed in the insured Vehicle;

Eligible Incident: an Eligible Incident is an Insured Incident where it is considered, in Green Flag's reasonable and sole opinion, that the After Breakdown Care service could be beneficial for the Insured Vehicle, given the nature of the Insured Incident. Such Insured Incidents must have been attended by a Green Flag Agent, and would include Insured Incidents arising from minor mechanical breakdown and flat batteries but would not, without limitation include Insured Incidents such as accidents, where the Insured Vehicle is out of petrol, lost or damaged car keys, flat tyres, immobilisers and alarms, windscreen damage ormajor mechanical failure;

Force Majeure Event: means an event beyond our reasonable control which includes without limitation; fire, flood, inclement weather, earthquake, accident, civil disturbances, war, rationing, embargoes, strikes, labour problems, delays in transportation, inability to secure necessary materials, delay or failure of performance of any supplier or subcontractor, acts of God and acts of government;

Insured Incident: means one of the following events: immobilization of the Insured Vehicle as a result of breakdown, malicious damage, accidental damage, flat tyre, lack of fuel, flat battery, loss or breakage of car keys, occurring within the UK during the Period of Insurance;

Insured Person: the Policyholder and any other person who at the time of the Insured Incident, is driving or riding as a passenger in the Insured Vehicle with your permission and is not a hitch-hiker;

Insured Vehicle: the vehicle we have agreed to cover which must comply with General Condition 10;

Network: is the network of our Agents, details of which can be obtained by calling us on 0845 246 0718;

Period Of Insurance: the 12 month period beginning on the date of purchase shown on your Tesco Car Breakdown Cover receipt;

Policy or Tesco Car Breakdown Cover: this booklet and your Tesco Car Breakdown Cover receipt, which together form the contract between you and us;

you tell us otherwise.

Premium: is the Premium due for your Policy displayed where you collect your pack;

United Kingdom (UK): Great Britain, Northern Ireland, the Isle of Man (and, for residents of the Channel Islands only, the Channel Islands);

We or us or our: UK Insurance Limited, the underwriter of this policy under the trading name Green Flag Motoring Assistance including our agents (including service providers).

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SECTION A - Level 1 Standard Care

What is covered

Following an Insured Incident occurring outside a ¼ mile radius of either the Policyholder's home address or the place where the Insured Vehicle is usually kept, we will:

  1. Arrange for roadside assistance and, if necessary, transportation of the Insured Vehicle and Insured Persons to either a single destination of your choice within 10 miles of the Insured Incident or to a suitable repairer within 10 miles of the Insured Incident.
  2. Provide these services, free of charge including call-out and up to 60 minutes labour for roadside assistance.

Please remember

All other labour charges and the cost of replacement parts and/or other materials are your responsibility.

  1. You are responsible for instructing the garage to carry out any repairs. If there is no suitable repairer within 10 miles of the Insured Incident an additional mileage charge may be made. This service cannot be used if the Insured Vehicle has broken down or is unroadworthy when cover was taken out.
  2. Recovery cannot be used as a way of avoiding repair costs.

What is not covered

  1. Labour charges for labour over 60 minutes roadside assistance.
  2. The cost of any parts, materials and/or equipment used.
  3. The cost of supplying a spare wheel and tyre if a serviceable one cannot be provided by you.
  4. The cost of, if needed, a locksmith or a bodyglass or tyre specialist.
  5. Anything mentioned in the General Exclusions.
  6. Charges incurred where transportation of the Insured Vehicle exceeds 10 miles.

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SECTION B - Level 2 Extra Care

What is covered

Following an Insured Incident which may occur either outside or inside a 1 mile radius of either the Policyholder's home address or the place where the Insured Vehicle is usually kept, you are entitled to the services detailed in Level 1 standard care, subject always to the conditions and exclusions set out in this Policy.

Please remember

This level of cover will not be effective until the day after you have arranged this cover for the first time. You will be entitled to the level of service described in Level 1 standard care on the day of purchase.

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SECTION C - Level 3 Total Care

What is covered

  1. Following an Insured Incident, you are entitled to the services detailed in Level 2 Extra Care. You are also entitled to After Breakdown Care, the details and conditions of which are detailed in the After Breakdown Care section.

    Following an Insured Incident occurring outside a 1 mile radius of either the Policyholders home address or the place where the Insured Vehicle is usually kept we will arrange the services described in points 2 to 4 below.

  2. If it is apparent that repairs cannot be effected by the repairer to which we have transported the Insured Vehicle in accordance with Level 2 Extra Care by the end of the working day, or if the Insured Vehicle has been stolen and is not recovered in a roadworthy condition the same day, we will arrange and pay for one of the following four options at your request, subject to availability:
    1. The transportation of the Insured Vehicle and Insured Person to:
      • The Policyholder's home address in the UK, or
      • Your original destination within the UK, or
      • A suitable repairer within the UK.
    2. Where available, the hire of a self-drive rental vehicle of an equivalent level to the Insured Vehicle up to a maximum of 1600cc, for a reasonable period to complete your journey, up to a maximum cost of £100; or
    3. The cost for the Insured Person(s) to either continue the journey or return to the Policyholder's home address within the UK by our choice of alternative transport, up to a maximum cost of £100; or
    4. Overnight bed and breakfast accommodation, excluding alcohol, for one night in a local hotel whilst awaiting repairs, provided that the Insured Incident occurs more than 25 miles from the Policyholder's home address or intended destination, up to a maximum cost of £40 per Insured Person, up to but not more than £240 per Insured Incident.
  3. In addition if necessary, we will also:
    • Pay for one single standard class rail ticket in the UK for the Policyholder or any authorised driver to collect the Insured Vehicle following repair; and
    • Relay up to three telephone messages to family members, friends or business associates of the Policyholder to advise of unforeseen travel delays.
  4. Please note that if some form of medical certification can be shown and there are no passengers who can drive the Insured vehicle, the services listed in points 1 to 3 of total care, above, may also be used in the event of the driver being declared medically unfit to drive. We may choose to recover the Insured Vehicle by providing a qualified driver.

Please remember

  1. A hire car is provided subject to you or the Insured Person meeting the conditions of the hirer. Any claims involving the hire of a replacement vehicle must have our prior approval.
  2. We cannot guarantee to provide a vehicle with a roof rack or tow bar. Cover under this Section C will not be effective until the day after you have arranged this cover for the first time. You will be entitled to the level of service described in Level 1 standard care on the day of purchase.

What is not covered

  1. Any costs where we have not been contacted at the time of the nsured Incident and which we have not agreed to in advance. Vehicle hire, or other expenses, not authorised in advance by us.
  2. Any authorised vehicle hire not effected within 24 hours of occurrence of the Insured Incident.
  3. Vehicle hire in the event of the Insured Vehicle requiring routine servicing, being out of use temporarily under warranty, or for other repair work to correct non-immobilising faults or undergoing repair of cosmetic damage.
  4. The cost of fuel and oil used in any replacement vehicle or any additional insurance offered by the replacement vehicle hirers.
  5. Anything mentioned in the General Exclusions.

Exclusions:

  1. Any replacement parts fitted during the After Breakdown Care Appointment are not included in the cost of the After Breakdown Care. We will charge you for such parts at the same cost to us. You shall pay the Agent on our behalf for the cost of any Parts supplied during the After Breakdown Care.
  2. Any labour which exceeds 60 minutes (and all work and, or parts to be carried out then) may be carried out as agreed between you and the Agent but will be charged to you at the price agreed between you and the Agent prior to commencement of the work. You should arrange for such additional labour, work and parts directly with the Agent. Please note that in such circumstances, where you agree with the Green Flag Agent for him/her to work on the Insured Vehicle after the supply of the above After Breakdown Care, that the Agent does so in an independent capacity and is no longer acting as our agent.
  3. Please note that the contract for any additional labour or for the supply of any parts is solely between you and the Agent and does not form part of this Policy.
  4. After Breakdown Care does not provide any guarantees whatsoever, including without limitation:
    1. That the Insured Vehicle will pass an MOT test, nor is it intended to be a substitute for an MOT test or other general servicing;
    2. Against the failure of the Insured Vehicle in the future;
    3. That all or any of the components of the Insured Vehicle are original components or replacement components which have been manufactured by the manufacturer of the Insured Vehicle.
  5. Any assessment carried out shall be limited to any parts or components or areas of the Insured Vehicle which are reasonably visible or accessible at the time of the After Breakdown Care Appointment. During the assessment, the Agent will not fully check the detailed operation of any Computerised Systems or any internal mechanisms or systems of the Insured Vehicle.
  6. The Report will not include details of defects which would have been made reasonably apparent had the Insured Vehicle been road tested by our Agent.
  7. We will not be liable to you for any future defect of the Insured Vehicle which was not reasonably apparent to our Agent at the time of the After Breakdown Care Appointment.
  8. You cannot rely upon any statement or advice given to you by our Agent orally and not confirmed in the Report. We shall not be liable for any such advice that is not confirmed in the Report.
  9. We will not be liable for failure to detect any defect in any Computerised Systems or internal mechanisms or systems of the Insured Vehicle.
  10. Insured Vehicles cannot be serviced under the After Breakdown Care if they are on the public highway.

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After Breakdown Care

This service only applies to Level 3 total care where an Insured Incident has occurred.

IMPORTANT: please note that for health and safety reasons you must be able to park the Insured Vehicle away from the public highway in order to benefit from this service. After Breakdown Care cannot be provided if you cannot comply with this requirement.

What is covered

  1. Within 7 days of each Eligible Incident, you are entitled to arrange an After Breakdown Care Appointment by calling us on 0845 246 0719 between the hours of 9am-5pm Monday to Friday and 9am-12pm Saturday.
  2. The After Breakdown Care is a mobile service provided by our Network consisting of one appointment with an Agent at which the following services will be provided:
    1. A visual assessment of up to 30 minutes, of the Insured Vehicle to consider any problems which have arisen from the Eligible Incident and any repairs that may be necessary during the After Breakdown Care and shall include a common fault check (for the avoidance of doubt the assessment shall not include the dismantling of any parts, components or internal mechanisms);
    2. Up to 60 minutes labour for any repairs which can be carried out during the After Breakdown Care Appointment by our Agent and to which you agree to be carried out;
    3. A written Report detailing: Defects identified during the assessment; Repairs which have been carried out during the After Breakdown Care Appointment and further recommended repairs which cannot be completed during the appointment; and a quote for any labour exceeding 60 minutes where the Green Flag Agent is able to carry out the recommended work.

    Please note that in such circumstances, where you agree with the Green Flag Agent for him/her to continue working on the Insured Vehicle after the supply of the above After Breakdown Care, that the Agent does so in an independent capacity and is no longer acting as our agent.

  3. We shall pass onto you the benefit of any manufacturer's warranty for replacement parts supplied and fitted during the After Breakdown Care Appointment. Details of a manufacturer's warranty for a replacement part shall be supplied to you at your request.
  4. We warrant to rectify any Agent's faulty workmanship provided it is notified to us, in writing, within three months of the relevant work being completed. Any warranty in respect of parts must be obtained from the agent.

To the extent permitted by law, these provisions shall be your sole remedy in relation to fitment or faulty workmanship.

Please remember

  1. Either party may cancel the After Breakdown Care Appointment and rearrange a further appointment on request without any liability provided that 24 hours notice of such cancellation is given to the other party. If you fail to notify us of any cancellation and the Agent attends an After Breakdown Care Appointment, you will be liable for his reasonable costs.
  2. To enable us to carry out the After Breakdown Care you are responsible for:
    1. Providing us with full internal and external access to the Insured Vehicle at the After Breakdown Care Appointment at a location which is not on the public highway and for a minimum period of 2 hours thereafter;
    2. For ensuring that the Insured Vehicle is located on a hard level surface off the public highway and in a position which allows our Agent to park his own vehicle safely and in a position close to the Insured Vehicle without cost to our Agent;
    3. Notifying our Agent of any unroadworthy or defective components or features that the Insured Vehicle is suspected or known to have;
    4. Notifying our Agent of any repairs undertaken at the date of the Insured Incident; and
    5. Where a road test is deemed necessary by our Agent you shall ensure that the Insured Vehicle has a current MOT certificate and sufficient petrol/diesel for this purpose.
  3. You will be required to reimburse to us, within 1 month of our request, any reasonable expense incurred by us in providing any service under this Policy for which we are not responsible.

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Additional Vehicle

What is covered

If shown on your Tesco Car Breakdown Cover pack, cover applies to an additional specified vehicle, whether or not you are insured to drive it, as agreed by us that is kept at and registered to the Policyholder's address provided it complies with the vehicle specifications described in General Condition 9.

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General Conditions

Applying to this Policy

This part describes certain responsibilities and procedures.

  1. You must:
    • Take all ordinary and reasonable precautions to prevent loss, damage to or breakdown of the Insured Vehicle.
    • Take all steps necessary to expedite the completion of repairs.
    • Not abandon the Insured Vehicle or any of its parts to us without our authorisation.
    • Contact us without delay when an incident arises that may result in a claim.
  2. We will provide the services described in this Policy on condition that the Policyholder and each other Insured Person observe their licence conditions and all the terms, provisions, conditions and endorsements laid down in the Policy. The services cannot be used for routine servicing or the rectification of failed repairs, or as a way of avoiding repair costs.
  3. We are entitled to take over your rights in the defence or settlement of a claim or to take proceedings in your name for our own benefit against another party and we shall have full discretion in such matters. You must give us all the information and assistance we may require.
  4. Any disputes as to the interpretation of this Policy or as to the rights or obligations thereunder shall be referred to arbitration under the legislation for the time being in force.
  5. If any misrepresentation or concealment shall be made by or on behalf of the Policyholder in obtaining this Policy or by or on behalf of an Insured Person in support of a claim, this Policy shall become void and the premium shall be forfeited.
  6. This Policy may be cancelled:
    • By us at any time by providing 7 days' notice in writing to you at your last known address. In such event we will refund the pro-rata premium applicable to any unexpired part of the Period of Insurance for which premium has been paid.
    • By you at any time by providing 7 days' notice in writing and surrendering the Policy pack. In such event, provided no claims have been made during the Policy year, we will issue a refund which will be calculated on a pro-rata basis, less a cancellation charge of 25%.
  7. You will be required to reimburse to us, within 1 month of the request, any expense incurred by us in providing any service under this Policy for which we are not responsible. This may include an administration charge where cover has not been arranged prior to the Insured Incident.
  8. Any garage used in connection with an Insured Incident is deemed to be acting on your instruction. We will not accept responsibility for any damage or loss resulting from the garage's acts or omissions. No warranty is given by us that such garage is competent to repair the vehicle or can do so immediately. You must give direct instructions to the garage and pay for any repairs.
  9. In the event of theft of the Insured Vehicle, you must provide us with a copy of the police report at our request.
  10. For cover to apply, the vehicle must:
    • Be either; a car, motorised caravan, light van, estate car or 4x4 off-road vehicle, privately registered in the United Kingdom; a towed caravan or trailer of proprietary make being less than 16 years old. We recommend all caravans and trailers carry a serviceable spare wheel and tyre.
    • Carry no more than the number of persons recommended by the manufacturer (and for whom seats are provided) with a maximum of 8 persons including the driver.
    • Not exceed (including any load carried) the following gross vehicle weight and dimensions: 3,500kg in weight, 7m in length, 3m in height and 2.25m in width.
    • Be serviced as recommended by the manufacturer and hold a current valid MOT certificate if applicable.
  11. Any failure by us in relying on or enforcing these terms and conditions on any particular occasion will not prevent any subsequent reliance or enforcement.
  12. Standard Care (Section A) may be arranged for immediate cover. All other levels of cover will not be effective until the day after cover has been arranged for the first time.
  13. If the vehicle is in a position where it cannot be worked on or towed, the wheels have been removed or where specialist equipment is required for its recovery, we can arrange to rectify this but you will be responsible for any costs involved.
  14. Any reduction in cover will only be allowed at renewal of the policy.
  15. Onward transportation of any animal in your vehicle is at our discretion. We will not be liable for injury or death of the animal.
  16. Following an Insured Incident attended by the police or other emergency service, transportation of the Insured Vehicle will not take place until they have authorised its removal.
  17. After any repairs have been completed following recovery of the Insured Vehicle, it is your responsibility to arrange and pay for collection of the Insured Vehicle.
  18. We reserve the right not to offer renewal of this Policy.
  19. We may ask you to pay all charges incurred where the reason for the call-out is due to the re-occurrence of a fault that necessitated a previous call-out.
  20. We can arrange to recover you following a road traffic accident but you may be responsible for any costs involved. However, you may be able to recover these from your motor insurer.
  21. We will not be liable for any delay or failure in performance of our obligations under this agreement if that delay or failure is due to a Force Majeure Event.
  22. We may choose to repair the Insured Vehicle (at your cost) following a breakdown, rather than arranging for it to be recovered.

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General Exclusions

Applying to this Policy

This Policy shall not apply in respect of:

  1. Vehicles which have not been maintained and operated in accordance with the manufacturer's recommendations.
  2. Vehicles used for hire or reward or for the carriage of goods for reward.
  3. Vehicles temporarily immobilised by floods or snow-affected roads or as a result of whole or partial immersion in water, snow, sand or mud.
  4. Vehicles used for and/or involved in motor racing, off road use (away from public roads and over rough terrain), rallies, speed or duration tests or practising for such events.
  5. Breakdowns resulting from a fault that has necessitated a call-out by us previously during the same journey or from an inadequate repair carried out to remedy a fault previously giving rise to a callout under this Policy or unsuccessful amateur servicing or repairs.
  6. Vehicles situated in areas to which our agents have no right of access or on motor traders' premises.
  7. Any willful act of you or any passenger.
  8. Loss of or damage to contents of the Insured Vehicle.
  9. Any claim resulting from difficulties or inability in obtaining raw materials, fuel or other supplies, due to Strikes, war, invasion, act of foreign enemy, hostilities (whether war be declared or not) terrorist activity, civil war, rebellion, revolution, insurrection, military or usurped power or taking part in civil commotion or riot of any kind.
  10. Loss or destruction of or damage to the Insured Vehicle or any loss or expense whatsoever resulting from:
    • Ionising radiations or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel.
    • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    • Pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
  11. Any costs recoverable from any other insurance, indemnity or warranty.
  12. Consequential loss of any kind arising from the provision of, or delay in providing, the services to which this Policy relates.
  13. Any claim arising from circumstances known to you at the time of applying for cover, or at any time prior to the commencement of a journey, or any claim arising as a result of a fact or facts material to this Policy where such fact or facts have not been disclosed to us.
  14. Any expenses which would have been incurred in the normal course of the journey.
  15. Any costs or storage charges incurred if, following the Insured Incident, you elect to have the Insured Vehicle towed to a repairer.
  16. Transportation of horses or livestock.
  17. Any costs incurred without our prior knowledge or consent.
  18. Any costs incurred for sea or river transit.
  19. Recovery of any vehicle that would be dangerous or illegal to load or transport.
  20. Immobilisation of or damage to the vehicle or any components caused by malfunctions due to non-millennium compliant software.
  21. Vehicles that have broken down or are unroadworthy when cover was taken out.
  22. Any costs incurred as a result of you failing to carry a serviceable spare wheel and tyre.
  23. The parties to this Policy are you and us and any person or company who is not a party to this Policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Policy but this does not affect any right or remedy of a third party that exists or is available apart from that Act.

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Your Information

Tesco Car Breakdown Coveris arranged by Tesco Stores Limited (a subsidiary of Tesco PLC) and underwritten and provided by UK Insurance Limited ('UKI'). In this Information statement, 'we' and 'us' refers to Tesco Personal Finance ('TPF') (which is a joint venture between the Royal Bank of Scotland plc and Tesco PLC) and UKI, unless otherwise stated.

Your privacy is important to us, and we promise to respect your personal information. Please take a few minutes to read this document as it contains important information relating to the details that you have given us. You should also show this document to anyone else who is covered under your policy.

Collection of information

'Your personal information' means any information obtained from you in connection with a service or product provided to you by us or Tesco PLC (and its subsidiaries). Information is collected lawfully and in accordance with the Data Protection Act 1998. We will do our best to ensure that your details are accurate and kept up to date.

Use of information

TPF and Tesco PLC (and its subsidiaries) will use your personal information to;

  • Confirm, update and improve their customer records;
  • Identify and market products and services that may be of interest to you;
  • Analyse and develop their relationships with you;
  • Help in processing any applications you may make.

By UKI

UKI will use the personal information that you have given to UKI and TPF to manage and administer your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, regulatory authorities or to UKI's agents who provide services on our behalf.

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Dealing with other people

At the request of many of our customers and to make managing your insurance more convenient, it is UKI's policy to deal with your spouse or partner who calls us on your behalf. If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call us to let us know.

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Automatic renewals

If you have taken advantage of our automatic renewal service we will retain your payment details in order to continue to deduct premiums when your policy is renewed.

The personal information you give us and the information about your use of the services may be used by UKI and its associated group companies, TPF or Tesco PLC (and its subsidiaries), to tell you by letter, telephone or e-mail about other products or services that may interest you.

Your personal information will only be disclosed to third parties other than UKI and its associated group companies, TPF and Tesco PLC (and its subsidiaries) if:

  • It is necessary for the performance of your agreement with UKI, or
  • If you have given your consent, or
  • If such disclosure is required or permitted by law.

You may tell us that you do not wish to receive information from UKI and its associated group companies, TPF or Tesco PLC (and its subsidiaries) about other services or products or any third party services or products. If you would prefer not to receive this information please tell us when you next call or write to us at the address on page 18.

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions) about you and others named on the insurance policy. We will not use sensitive personal data (such as physical or mental health information) about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents. You will have been asked to agree to this when you called but please ensure that you only provide us with sensitive information about other people with their agreement.

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Fraud prevention & detection

Insurance fraud costs the industry millions of pounds each year and inevitably increases premiums. In order to prevent and detect fraud we may at any time:

  • Share information about you across the Royal Bank of Scotland group and with other insurers;
  • Pass your details to Insurance Hunter, a central insurance application and claims checking system, whereby it may be checked against information held by Insurance Hunter and shared with other insurers;
  • Check your details with fraud prevention agencies and, if you give us false or inaccurate information and we suspect fraud, we will record this with the fraud prevention agency. We and other organisations may also use and search these records to:
  • help make decisions about credit and credit related services for you and members of your household
    • help make decisions on motor, household, credit, life and other insurance proposals and claims for you and members of your household
    • trace debtors, recover debt, prevent fraud and to manage your insurance policies
    • check your identity to prevent money laundering, unless your furnish us with other satisfactory proof of identity
    • undertake credit searches and additional fraud searches. Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Limited and (for motor and rescue products) the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to help us to check information provided and also to prevent fraudulent claims. When we deal with your request for insurance we may search these registers. Under the conditions of your policy you must tell us about any incident (such as accident or theft) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.

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Security

Any personal data saved is held safely on our mainframe computer, with security systems preventing unauthorised access and we always ensure it is treated confidentially.

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Further Information

You are entitled on payment of a fee to receive a copy of the information UKI hold about you. This will be information that you have given us during your policy. We do not hold any information relating to your credit status.

If you would like to obtain information held about you by TPF please write to Data Protection Manager, Legal & Compliance Manager, Tesco Personal Finance, 52 West Register Street, Edinburgh, EH2 2AA.

If you would like a copy of your information, please contact the Data Protection Officer, 3 Edridge Road, Croydon, Surrey CR9 1AG, quoting reference DLI.

Please read this policy carefully and keep it in a safe place.

What if I change my mind? If after you have purchased your policy you find it is not suitable you can:

Upgrade for a different level of cover, or Get a full refund within 14 days of the purchase/receipt of your product, providing you have not made a claim. Simply call us on the number below. If anything isn't clear, please call us on:

0845 246 0717

Lines open 8am-8pm Mon to Fri & 9am-5pm Sat.

Calls charged at local rate.

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