Insurance 4 Vans
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Terms Of Business - Version 27/Term 01


1. Accepting our Terms of Business

Throughout this Terms Of Business document, references to 'we' 'us' and 'our 'are references to Autonet Insurance Services Ltd.  For your own benefit and protection, you should read these terms carefully as this document outlines important information of which you should be aware.

By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact our Customer Services Team on 03303 438487 or in writing to:

Autonet Insurance Services Ltd

Nile Street





Calls may be recorded for training, monitoring and reviewing purposes.


2. The Financial Conduct Authority

Autonet Insurance Services Limited is authorised and regulated by the UK Financial Conduct Authority (FCA). Our FCA register number is 308213. Our permitted business is introducing, advising, arranging, dealing as an agent, assisting in the administration and performance of general insurance contracts and credit broking in relation to insurance instalment facilities.  You may check this on the FCA's register by visiting the FCA website,

3. Our Service

For telephone sales, our role is to advise you, and after we have assessed your needs, to make a suitable recommendation. For internet quotes and sales we source and arrange products but do not offer advice or make recommendations, when arranging your insurance. However, we may ask some questions to narrow down the selection of products on which we provide details. Where we can offer the availability of an instalment facility in order to pay the insurance premium, we do not offer advice in relation to this.

Brokered Products: We select Private Car, Van, Motorcycle and Tools in Van insurance from a limited range of insurers; you may ask us for a list of the insurers we deal with for these products.

Additional Products: For the following insurance products we only offer cover from one insurer for each product:  Vehicle Breakdown Assistance, Vehicle Excess Protector, Motor Legal Expenses, Replacement Van, Windscreen and Glass Cover, Personal Accident, Accidental Death and Gadget Insurance. Please refer to your policy summary document for details of these insurers.

If we propose using another intermediary to help place the business, we will confirm this to you in good time before any arrangements are finalised.

4. Handling Money

We act as agents of the insurer in collecting premiums and handling refunds due to clients. Such monies are deemed to be held by the insurer(s) with which your insurance is arranged. We will retain your debit/credit card details and bank account details for the purpose of automatic renewals and to pay or refund other premiums that may become due upon changes to the policy. If you do not want us to use your credit/debit card for these purposes please contact our customer services team on the telephone number above.

5. Payment for Our Services

In addition to the premiums charged by your insurer, we will also charge you the following fees for arranging and handling brokered products (see section no.3, Our Service). These fees are non-refundable and are payable at the time of the transaction to which it relates:

Service                                                                                                            Service Charge

Arranging your new policy*                                                                  £20

New policy incepted via our call centre additional                                 £15

Arranging your policy renewal*                                                             £50

Amendments to your policy                                                                 £37.50

Duplicate Documents                                                                          £12.50

Requests for personal Data                                                                 £10.00

As part of our new business process, we will check your

information. If we have to make any amendments to correct

your information, you'll have to pay a £14.95 administration fee               £14.95

Refunds issued to you by cheque                                                         £20

Postal delivery of new policy or renewed policy documents                  £5

Sending Correspondence Special Delivery                                             £6.50

Dishonoured Cheque                                                                            £19.50

Cancellation prior to policy start date                                                   £25

Cancellation within 14 days                                                                  £50

Cancellation after 14 days                                                                    £79.95

Cancellation due to failure of identification process within 14 days       £79.95

*In addition to the new policy and renewal arrangement fees where your insurer pays us less than 25% commission an additional fee may be levied. The monetary amount of any such fee will be fully disclosed to you prior to you purchasing/renewing the policy. In the event that your policy is cancelled a pro-rata refund of this fee will be made.

You will be informed of the total price to be paid, including any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded. You are entitled, at any time to request information regarding any commission which we may have received as a result of placing your insurance business. or arranging your premium finance.


6. Complaints and Compensation

We aim to provide you with a high level of customer service at all times, but if you are not satisfied, please visit for details of how to complain. Alternatively you can contact our Complaints Officer, at the address shown above. When dealing with your complaint, we will follow our complaint handling procedures. A summary of these procedures is available on request. If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service.

Their contact details are:

Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square


E14 9SR

Tel: 0800 023 4567

Or you can log on to their website:

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim without any upper limit. For compulsory classes of insurance (such as Third Party Motor or Employers Liability), insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 or 0207 741 4100 or


7. Renewing your Policy

For your protection shortly before the renewal of your policy, we will send you a renewal invitation, which contains information on the premium due and the details we hold. It is important you check the information we hold is accurate and you inform us of any changes in your circumstances.

To ensure that we continue to offer a policy that is suitable to your needs we may recommend an alternative insurer at renewal. If you are happy with your renewal quote with the insurer recommended, there may be nothing further for you to arrange and your credit/debit card may be automatically debited for your renewal. If you are paying for your insurance by direct debit your policy may be automatically renewed and your revised payments may be debited from the bank account details we hold. Further details of whether or not your policy will be automatically renewed will be confirmed on your renewal invitation.

If you do not wish us to renew your policy automatically, please inform us at any time up to 7 days before your renewal date. If we do not hear from you to the contrary, we will take this as your authority to accept the renewal terms, and will accept on your behalf the policy offered. Please note that if we confirm your policy will not be automatically renewed, cover will cease on your renewal date unless you contact us beforehand to make a payment.

To ensure that we obtain the most competitive renewal premium we will conduct a search with credit reference agencies. A copy of this search will be left on your credit file but this will not affect your credit rating in any way.

8. Cancellation of Insurances

You should make any request for cancellation either verbally or in writing. If your policy is cancelled within 14 days from the latter of either the start date of the policy or the date you receive your documents we will charge up to £79.95 to cover the administration of your policy. If your policy is cancelled after the 14 day period an administration charge of up to £79.95 will apply. We also charge up to £20 to process any refunds by cheque. The terms of your policy may allow your insurers to retain the premium in full or to charge short period premiums in the event of cancellation before the policy expires. If your policy is cancelled and you or someone else had made a claim under your policy you must pay the rest of your premium including any outstanding payments under your credit agreement. Please note after the 14 day period we do not provide a refund against any additional products (see section no, 03, Our Service) you may have purchased. You will be required to pay debit balances. If you fail to settle a debit balance promptly, we will then use any credit/debit card details you have previously authorised us to use. We reserve the right to cancel your insurance policy in the event of your insurance premium not being paid up in full, this includes any default on an instalment plan.


9. Ending Your Relationship with Us

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose a penalty. Your instructions must be given in writing and will take effect from the date of receipt. In circumstances where we feel that we cannot continue providing services to you, we will give you a minimum of 7 days notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business.  You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for services provided.


10. Debt Collection Procedure

In the event that any premium/and or fees remain outstanding to us, we will refer your debt to a debt collection agency and/or the company solicitor. The debt collection agency and the company solicitor may make further charges to recover any balances outstanding.


11. Conflicts of Interest

Occasions can arise where we or one of our associated companies, clients or product providers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and we will detail the steps we will take to ensure fair treatment.


12. Your Responsibilities

You are responsible for providing the complete and accurate information which insurers require in connection with any proposal for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't or misrepresent any fact which may influence the insurer`s decision to accept the risk or the terms offered, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not fully paid. You must inform us immediately of any changes in circumstances, please do not wait until your renewal. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and terms that apply, as failure to comply with them could invalidate your policy.


13. Claims Handling Arrangements

All claims enquiries are handled by Kindertons Accident Management, Kindertons House, Marshfield Bank, Crewe CW2 8UY. To notify us of a new claim call 0800 9537537. You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. Generally, insurers require immediate notification of a claim or circumstances which might lead to a claim.


14. Fraudulent and False Claims

If you knowingly make a claim that is false or fraudulent in anyway, your policy will become void and no payment will be made against the claim.


15. No Claims Bonus

If you have informed us that you are entitled to No Claims Bonus but this is not validated with the relevant proof, your policy may be subject to an additional premium, it may be cancelled or be made null and void from the inception date of your policy.


16. Use of Personal Data

We will process any personal information we obtain in the course of providing our services to you in accordance with the Data Protection Act 1998. In administering your insurances and where applicable arranging premium finance it will be necessary for us to pass such information to insurers and other product or service providers which may also provide us with business and compliance support. We may also disclose details to relevant parties, as necessary, to comply with regulatory or legal requirements. We may contact you or pass your details to other companies associated with us including claims management companies in order to promote products or services which may be of interest to you. You may be contacted for the purpose of marketing the goods of the business, by telephone, email, letter or SMS text message. We will not otherwise use or disclose personal information we hold without your consent. Some of the details you may be asked to give us, such as information about offences or medical conditions, are defined by the Act as sensitive personal data.

By giving us such information you signify your consent to it being processed by us in arranging and administering your insurances. Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of £10. If at any time you wish us, or any company associated with us, to cease processing any of the personal data or sensitive personal data we hold, or to cease contacting you about products and services, please write to us at the address shown above.


17. Dealing with others on your behalf

To help manage your insurance policy, subject to answering security questions, we will deal with you or your husband, wife or partner or any other person whom we reasonably believe will be acting for you if they call us on your behalf in connection with your policy or a claim relating to your policy.


18. Sharing Information to prevent fraud

We may share information which we hold and which has been supplied to us in connection with any application for insurance using public and personal data from a variety of sources, including a credit reference agency, the Claims and Underwriting Exchange register and other similar databases. The aim is to help us check the information that is given to us and to prevent fraud. This search may appear on your credit report whether or not your application proceeds. In order to support your application we may ask for additional documentation as proof of your identity. Failure to provide the requested information will result in the cancellation or voidance of your policy. We reserve the right to retain your insurance documents until the information you have provided has been verified.


19. Credit Checking

We and other firms involved in arranging your insurance (insurers, other intermediaries or premium finance companies) may use public and personal data from a variety of sources including credit reference agencies and other organisations. The information is used to ensure that we obtain the most competitive quotation and renewal premium, to ascertain the most appropriate payment options for you and to help prevent fraud. A copy of this search will be left on your credit report, whether or not your application proceeds, but this will not affect your credit rating in any way.


20. Block Transfers

In respect of some classes of insurance we may operate block insurance arrangements certain type with one insurer who can provide particularly competitive terms for all our customers. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business Agreement constitutes both your acceptance that we may do this and your prior request for us so to do.


21. Applicable Law

English law applies to your relationship with us, Similarly, unless you and your insurer agree otherwise, English Law applies to your relationship with your insurer and your insurance contract.

Customer Service Opening Times

Mon - Fri:                  08:00 - 19:00

Saturday:                      09:00 - 17:30

Sunday:                        Closed

Alternatively visit our website 24 hours a day at -