Exclusions

Any exclusion applicable to your Policy with us will be shown in red print in your Policy Booklet. Please read all of your Policy Documents and retain in a safe place for future use/referral. If you have any queries please do not hesitate to contact us.

Charges

If any changes in circumstances arise during the period of insurance cover please contact us on 0870 333 1248 to let us know the details. An administration charge of £10 will be made for any such alteration to your policy. This will be made in addition to any additional premium (or deducted from any refund premium) generated by the alteration itself.

Cancellation

You have the right to cancel your policy during a period of 14 days after the later of the day of purchase of the contract or the day on which you receive your policy documentation. If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid. Alternatively, if you wish to do so and if the insurance cover has already commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered calculated as a proportion of the time for which the insurance would have provided cover and for any cost incurred by us in issuing the policy. Please note that if you have made a claim and subsequently wish to cancel your policy, we may seek to recover the monies paid to you in settlement of the claim. To exercise your right to cancel your policy.

please contact us:

In writing                               Ford Insure,

                                    Customer Services Department,

                                    Surrey Street, Norwich,

                                                NR1 3XL. 

Please also return your certificate of motor insurance.

By phone                       Telephone 0870 333 1248

If you do not exercise your right to cancel your policy, it will continue in force for the term of the policy and you will be required to pay the premium as stated.

After this 14-day period you may cancel this policy at any time by calling us on 0870 333 1248 and returning your Ford Insure certificate of motor insurance to us.  If you have not made a claim during the current period of insurance we will refund the premium you have paid for the cancelled period of insurance, except:-

§         if you cancel during the first year of insurance under this policy the refund calculation will be based on our short term cancellation rates

§         if you have chosen to pay monthly premiums no refund will apply, including advance premiums paid in the first year of insurance

We, or any agent we appoint, may cancel this policy by sending you at least seven days’ notice by recorded delivery to your last known address.  We will work out the premium for the period we have been insuring you and refund any difference. If, however, this insurance has been subject to Ford funded insurance you will not be entitled to a refund of any premium.

Important: If this insurance was provided to you as part of a Ford Motor Company vehicle sales campaign subject to Ford funded insurance and you sell your car, cover under this policy will cease. You will not be entitled to a refund of any premium.

Choice of Law

The law of England and Wales will apply to this contract unless:

1) You and the Insurer agree otherwise; or

2) At the date of the contract you are a resident of (or, in the case of a business, the registered office or principal place of business is situated in) Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case (in the absence of agreement to the contrary) the law of that country will apply.