Terms & Conditions

Greenlight Insurance Services Limited are located at Foremost House, Radford Way, Billericay, Essex, CM12 0BT. We are an Independent Insurance Intermediary, who are authorized and regulated by the Financial Conduct Authority. Our FCA authorization number is 548036 and our permitted business is arranging general Insurance contracts. This can be verified on the FCA's register by visiting the FCA's website www.fsa.gov.uk/register/ or by contacting the FCA on 0845 606 1234. As your Intermediary we act on your behalf in arranging your Insurance.


Services available from Greenlight Insurance Services Limited include, advising you on your Insurance needs, arranging your Insurance cover with Insurers to meet your specific individual requirements and to assist you with any ongoing changes you have to make.


We offer a wide range of personal Insurance products and have access to leading Insurers in the marketplace. As your agent we are here to help you in any way possible, so please feel free to contact us for advice or assistance at any time.



At Greenlight Insurance Services Limited we endeavour to offer you policies that will best suit your individual requirements, the policy terms and conditions will have been explained to you verbally when you purchased your policy.

The enclosed documentation will summarise the key policy terms, conditions and Exclusions. You can find the complete detail in your Insurers policy document which is included within this welcome pack.



The parties to this proposed Insurance are free to choose the Law applicable to the Insurance contract, but unless you specifically agree otherwise with the Underwriters, your proposed contract will be governed by English Law.



As a policyholder who has purchased a financial services product by distance means (i.e. via the telephone, by fax, e-mail or internet), you have 14 days from receipt of this letter to fully peruse and assess the cover offered under this policy, along with our terms and conditions of trading.


In the event that you are unsure or require further clarification of any aspect of your policy, simply contact our office for further advice.


Should you feel that after reading our policy enclosure the policy offered does not meet your needs, if you return your certificate or cover-note to us for cancellation within the 14 day cooling off period afforded to you under the directive you will only incur a pro-rata or minimal charge (listed within Insurer key facts) for the days on cover.


In view of the level of administration involved with processing your application, sourcing then arranging cover following receipt of your payment and instruction to proceed with the quoted policy to meet your specific requirement. Then having to enact policy cancellation to reverse these processes from the requested cancellation date, we reserve the right to either retain our annual commission or up to a £100.00 processing charge in addition to charging a flat 2% of the amount paid.


If you do choose not to proceed with this policy, please ensure that you have arranged adequate cover as required under the Road Traffic Act. Also, please note that your details will be removed from the Motor Insurers Database and your vehicle will be shown as uninsured until your next Insurer places you upon the database.



In order to be able to provide this service to you Greenlight Insurance Services Limited will normally receive a commission from your Insurer to reflect our involvement with all aspects of this policy, including our sourcing, placement and ongoing involvement with the upkeep and administration of your policy.


From time to time and also in event that an Insurer operates on a net (or zero) commission basis we will operate on a fee basis. Our fees will always be included within the figures quoted to you and on occasions in which fees are being charged in addition to our commission these will be specifically declared to you.



All premiums quoted are inclusive of the HM Government Insurance premium tax at the prevailing rate.

We reserve the right to withdraw or vary premium indications before they are taken up and to apply any changes notified to us by Underwriters after the indication has been given.



In consideration of being granted temporary Insurance cover under a policy without providing us with evidence of No Claims Bonus.


Should your policy be subject to no claims bonus, you undertake to provide such evidence within 14 days of the policy cover commencement date.


In the event that you do not provide such evidence (providing your underwriter’s scheme permits this) you will be requested to pay such increased premiums resulting from failure to provide evidence of your No Claims Discount.

If the policy has to be cancelled as a result of failure to provide proof of bonus and you failing to pay any increased premium, you will be asked to pay a time on risk charge based upon the total gross premium plus a cancellation fee.

Please be aware that for some underwriters, a No Claims Discount is a pre-requisite of their policy. If this is the case and it transpires that you are not entitled to the required level of No Claims Discount to qualify for the Underwriters acceptance criteria, your underwriter would be within their rights to void your policy and potentially refuse to indemnify you for any claim presented.



Whilst this is an annual policy based upon your circumstances as they were at inception of the policy, most Underwriters are able to make amendments (ie. change of car, permitted drivers, modifications) to your policy.

Each respective Underwriter will adopt their own criteria in relation to risks that they can accept, with this in mind please refer to our office in order that we may contact the Underwriter on your behalf to establish the required terms, or acceptability of any proposed amendment.


Should a mid term amendment be made to your policy, Greenlight Insurance Services Limited reserve the right to charge administration fees and retain commission from any refunds.


These will vary dependent upon the nature and complexity of each respective policy amendment. Any charge made will be advised to you at the time of adjustment and confirmed in written format to you where varied from our stated transaction charges.



All policies sold by Greenlight Insurance Services Limited are on an annual basis, short term policies are not available from us.

Should you look to cancel your policy before the 12 month term has run it's course, your policy will be cancelled in accordance with your Insurer's cancellation scale contained within the policy booklet provided to you.


Your Insurer will require your written instruction along with the return of your latest cover-note, or policy certificate in order to effect cancellation of your policy.


In event of an enforced cancellation a letter will be despatched to you in accordance with the Road Traffic Act.


Once processed by your Insurer you can expect any return of premium to follow within 90 days of cancellation. The refund will usually be paid to us by your Insurer on a collective basis at the end of the subsequent month from your Insurer's receipt of cancellation instruction.


If a claim has been presented under your policy for which you were to blame, your policy is deemed to have carried out its intended function and you will not receive a cancellation refund.


Also, when any claim presented is outstanding pending settlement you will not receive a refund for cancellation unless the claim is settled with no apportionment of liability to you.


In event of policy cancellation, Greenlight Insurance Services Limited reserve the right to retain fully our annual commission or fee income and charge a £50.00 processing fee in this regard.

If you cancel within 14 days of setting up your policy within the cooling off period you will only be charged our policy issue fee of up to £100 and the Insurance Company's minimum charge for the number of days on cover. These charges vary depending on the Insurer. Call our customer service line for more information.



£40.00 Policy Issue
£15.00 Duplicate Documentation
£25.00* Policy Amendment
£15.00 Temporary Amendment
£100.00 Cancellation Processing charge


The charges listed above are administration charges made by Greenlight Insurance Services Limited and will apply in addition to your Insurer's premium for cover.


*Our standard amendment charge for a transaction is £25.00, however we do reserve the right to increase this charge in respect of particularly technical or labour intensive tasks.


Should a heightened charge be required, you will be made aware of this prior to proceeding with a transaction of this nature.

Any charge made by us will always be incorporated within the price quoted to you for any transaction.



Your quoted Insurance cover may be comprised of several Insurers, or cover providers who form the overall policy cover quoted to you.


Additional providers are only used in instances where the primary Insurer selected from our range of available Insurers is unable to offer the respective level of cover quoted to you by Greenlight Insurance Services Limited.


Should any additional providers have been used to enhance the level of cover provided by the primary Insurer they will be listed upon your initial quotation confirmation and within your welcome pack under the ‘policy cover includes’ section.

Where applicable they will also be highlighted when forming part of any future renewal offer, or renewal documentation subsequently provided to you.


Where the Accident Management Service is present, twenty nine pounds and thirty five pence is the attributable cost of this specific feature within the overall price quoted to you for your policy cover package.


Where the Boomerang-Tag key and lock cover is listed as included under the ‘policy cover includes’ section, fourteen pounds and twenty four pence plus IPT at the prevailing rate is the attributable cost of this specific feature within the overall price quoted for your policy cover package.


Where the Combined Claims Assistance road traffic accident uninsured loss recovery and claims management service is present, twenty seven pounds and sixty nine pence plus IPT at the prevailing rate is the attributable cost of this specific feature within the overall price quoted to you for your policy cover package.


In the event of policy cancellation the attributable cost relating to Boomerang-Tag and Combined Claims Assistance products is non-refundable, but you would still have the ability to utilise the cover provided by the respective product until the expiry of their annual term.



We treat all customers' personal information in a confidential manner and we ask a series of verification questions to ensure that we are speaking to our customer and not someone who is not authorised to ask questions or to give instructions to us.

We can only take instructions to effect or to alter a policy in some way from our policyholder or their legally appointed representative.


Your data is held in compliance with legislative requirements.



All premiums received from you are held by us as agent of the Insurer.


Once received, your policy premium is directly deposited into a specifically designated account which holds all premiums received by us on behalf of your Insurer.


Any interest earned upon funds within this account will be handled in accordance with our terms of business with your Insurer, which may allow our retention of Interest earned up on the Insurance premium until paid to your Insurer.



This Insurer has been sourced on the basis of the details you provided to Greenlight Insurance Services Limited at the time of quotation.


Should you fail to advise us of any relevant information or material facts relating to your policy, you may invalidate your Insurance contract and your Insurer is within their rights to void your cover with effect from inception of your policy and repudiate, or exercise the right of recovery for any claim costs incurred.


The duty to disclose material information, including any vehicle enhancements or modifications, any incident in which a claim has occurred under this or any other policy, any motoring or non-motoring conviction for yourself or any driver that is named under this policy continues throughout the duration of your policy.


If you are unsure as to what constitutes material information it is always best to contact us and advise us full details of any change to your circumstance.


You will receive a written acknowledgement from us in respect of all material in formation supplied, or changes made to your policy.


If this is not received within 7 working days of your correspondence, please resubmit your advice as we will not have received your prior advice and will therefore be unaware as to any updated material information supplied.



Some or all of the information you supply to us in connection with your Insurance proposal (at inception, for the duration of the policy term and each subsequent renewal) may be passed to Insurance and other companies for Underwriting, anti-fraud, regulatory compliance, claims handling, premium collection, policy administration and data validation purposes.


These include the Motor Insurance Database, the Claims & Underwriting Exchange (CUE) and the Motor Insurance Anti-Fraud & Theft Register (MIAFTR) administered by the Motor Insurers Bureau (MIB). In addition to the NCD database administered by Lexis Nexis.


The Motor Insurance Database (MID) has been set up to help identify uninsured drivers. It is a legal requirement for Motor Insurers providing cover in the UK to provide data to the MID. Which will be searched by the authorities, including the police, to help confirm Insurance cover is in force and who is Insured to drive.


With the aim of this information exchange being to reduce fraud, financial crime, non-disclosure and uninsured drivers, as well as improving the efficiency of policy administration.


Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to Mr A Fehily at the above address.


In addition, we and/or the Insurers and/or Credit providers may use publically available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud and to obtain beneficial quotations, offers and payment options on your behalf. Some of these searches may appear upon your credit report whether or not your application proceeds.


Under the conditions of your policy, you must tell us/your Insurer about any incident (such as accident or Theft) which may or may not give rise to a claim. When you tell us/your Insurer about an incident, information relating to the incident will be passed to registers (including CUE and MIAFTA listed above) who we/your Insurer will exchange information with.
If there is an incident involving your vehicle the database may be used by Insurers', claims handlers, the Motor Insurers Bureau (MIB) and the authorities (including the Police) to identify relevant policy information.                                        
This notice should also be shown to all other drivers covered under this policy to drive the Insured vehicle.



It is always our intention to provide you with a high level of customer service at all times. But if there are occasions when we do not meet your expectations please contact Mr A Fehily.


Feel free to contact Mr Fehily either verbally or in writing, he will take details and endeavour to resolve any concern, query or problem that you may be experiencing.


We will always act to resolve any issue as swiftly as possible and should Mr Fehily be unavailable for any reason, we will advise you as to specifically who at our office is addressing your concerns.


In the event we have not been able to resolve the complaint on the spot, or by the end of the next working day, we will send a prompt written acknowledgement of your complaint to you to confirm we are handling your complaint.


As part of our complaints process we conduct a thorough review of your record with us, paying particular attention to the issues raised within your complaint. We will always aim to resolve any issue raised and reply to you in detail as soon as possible, but should our review prove to be a lengthy process we will keep you informed of progress along the way.


Our final response to you will be issued to you no later than eight weeks after the date we received your complaint.


In the event that we cannot resolve your complaint to your satisfaction, or you wish to take the matter further after receiving our final response, you may refer your complaint to the Financial Ombudsman Service (FOS), Exchange Tower, Harbour Exchange Square, London E14 9SR.



Greenlight Insurance are covered by the Financial Services Compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation from the scheme and the level of compensation will depend upon the type of business and the circumstances of the claim. 


Insurance advising and arranging of Compulsory Insurance such as third party motor Insurance, is covered for 100% of the claim. Non-compulsory Insurance, such as home Insurance, is covered for 90% of the claim.


Further details can be found at www.fscs.org.uk

Greenlight Insurance,  Foremost House,  Radford Way,  Billericay,  Essex CM12 0BT,  England,  United kingdom
01277 650866  |  Customerservice@greenlightinsurance.co.uk

Greenlight Insurance Services Limited are authorised and regulated by the Financial Conduct Authority. Our FCA authorisation number is 548036, our permitted business is arranging general Insurance contracts. This can be verified by visiting the FCA's website www.fca.org.uk or by contacting the FCA on 0800 111 6768


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