Kwik Fit Insurance Trading Information

Kwik Fit Insurance Services Limited is trading as Kwik Fit Insurance. Registered Office, 216 East Main Street, Broxburn, West Lothian, EH52 5AS. Company No. SC147319. VAT number 380094850.

Disclosing the Full Facts

If you don't tell us about all material facts, your insurance could be invalid and not give protection in the event of a claim. In particular you should tell us about any incidents (whether your fault or not, and whether you claimed or not). It is an offence to make false statements or withhold information to get motor insurance.

Terms and Conditions

All policies are subject to qualifying criteria, terms and conditions, details of which will be discussed when you call. For products which we sell on-line, these details are accessible at all times, and are displayed before you decide to buy. It is important that you read these before buying to make sure that the policy suits your needs.

Law Applicable

Policy documents detail the law applicable to each contract of insurance. This depends on the type of insurance you buy, and which insurer underwrites it. Generally, it will be English law. If you would like confirmation of this, please ask us before buying.

Keeping Us Informed

Once you buy your insurance, you must tell us of any changes to your circumstances. Note especially that you must call us before you change your car or if you move address. If you don't tell us of any changes, your insurance could be invalid and not cover you in the event of a claim.

When Cover Begins & When it Ends

Insurance cover will only begin when we receive your payment and we issue confirmation that cover has begun.
Most policies we sell are annual policies, which expire one year after the start date of cover (unless cancelled before then). Single trip travel insurance lasts for the period of time you ask for. In all cases, we will tell you the period of cover before you buy a policy from us, and your policy documents will confirm this.

Renewals

For your convenience and protection we will automatically renew your insurance policies (unless you tell us not to). We will write to you before the policy renewal date to remind you of this and to let you know what the revised payments will be. We will take payment from the most recent bank or payment card details that you have given us.

How to Cancel

If after buying a policy from us, you decide to cancel it, please call us. In most cases we will be able to take your instruction over the phone. Alternatively, you may write to us. Your policy documents will show the full cancellation procedure. For motor insurance, you will need to return the certificate of motor insurance to us within 7 days of the cancellation date.

If You Have a Complaint

We aim to achieve 100% customer delight at all times. If we let you down, please tell us and we will do our best to resolve your complaint as quickly and fairly as possible.

Step 1

In the first instance, please call one of the following numbers:

Motor Insurance & Breakdown customers - please call 0800 280 2204

Home Insurance customers - please call 0800 280 2205

Travel Insurance customers - please call 0845 345 1247

Commercial Vehicle Insurance customers please call 0800 280 2206

Pet Insurance customers please call 0870 240 0903

Motorbike insurance customers please call 0800 027 5770

Our experienced staff will do their best to resolve your complaint quickly. In the unlikely event that you are not completely satisfied, please ask to speak to one of our Customer Service Managers.

If you prefer, you may write to our Managing Director outlining your concerns and quoting your Customer Reference Number:

The Managing Director
Kwik Fit Insurance Limited
P O Box 007
Glasgow
G71 5PU

Alternatively, you can email us at: customerrelations@kfis.co.uk

Our aim is to acknowledge your complaint within a maximum of 5 working days and send you our final written response within 20 working days. If this is not possible, we will tell you why and send you our final letter within 40 working days of when your complaint was received.

Step 2

If you have received our final written response and you are still not satisfied, you can refer your complaint to the Financial Ombudsman Service within 6 months;

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

The Ombudsman will need a completed form, which you can find on their website at www.financial-ombudsman.org.uk

Alternatively, they can help you complete the form by taking your details over the phone on 0845 080 1800. Please note that if you are a business customer with an annual turnover in excess of £1million, you may not have access to the Ombudsman Service. Referral to the Ombudsman does not affect your right to take legal action.

Policy Wording

If you would like a sample of our policy wording, please call us.