Terms & Conditions
Terms of Business - For customers who purchased a policy on or after 1st October 2018
Terms of Business - For customers who purchased a policy on or between 11th January 2018 – 30th September 2018
Terms of Business - For customers who purchased a policy on or before 10th January 2018
Legal Expenses Policy Booklet
Legal Expenses Insurance Product Information Document
UK Breakdown Cover Policy Booklet
UK Breakdown Cover Insurance Product Information Document
Vehicle Hire Plus Policy Booklet
Vehicle Hire Plus Insurance Product Information Document
Key Protect Policy Booklet
Key Protect Cover Insurance Product Information Document
Excess Protect - Policy Booklet
Excess Protect Cover Insurance Product Information Document
No Claims Bonus (NCB) helps to drive down the cost of your car insurance. For every year you continuously hold insurance and don't have any claims that are classed as your fault, you may get a discount on your premium. The more years claim free that you have, the more discount you may receive.
When you get a quote, you'll be asked how many years NCB you have. If you are eligible for a discount, this will be reflected in your premium.
You will need to provide proof of your NCB. We'd like to see all pages of your latest renewal invitation or cancellation letter from your last insurer, and ask that it:
Once you have sent us your NCB proof there is no need for you to take any action until the next time you hear from us. We will be in contact with you within five working days.
If you have been the main driver on a company car then a letter on company headed paper from your employer can be supplied as proof. The letter will need to state the number of consecutive years you have been claim free as the main driver of the car and that the car was used for personal and business use. There cannot be a break in the period you were driving.
You can email your proof of NCB to firstname.lastname@example.org. We will acknowledge receipt of your email within 24 hours of receiving it and confirm what happens next. Please check your spam folder and add us to your safe senders list to ensure safe delivery of future emails.
You can upload your proof of NCB using our simple form.
Customer Services, Bristol Sport Insurance, Europa House, Midland Way, Thornbury, Bristol. BS35 2JX.
Please note: If you are sending your proof of No Claims Bonus by post, you will need to allow an extra five working days for us to process your policy.
Sometimes our insurance partners ask to see proof of some of the statements made in your application for insurance. This can include:
Proof of address
We are able to accept a copy of a gas, electric, water, broadband or telephone bill that's dated within the last three months. We cannot accept a mobile phone bill.
Proof of the car's registered keeper
We would need to see a copy of all four pages of your V5C vehicle registration certificate. If you are asked to, please send us a copy of your V5C registration certificate as instructed.
Proof of driving licence
We would need to see a copy of your photo-card driving licences for you and any additional drivers named on the policy. Please note: The paper counterpart to the photo-card driving licences are not valid and are no longer issued by the DVLA.
If you pay for your insurance by Direct Debit, your policy will automatically renew. We will send you a renewal invitation showing your new renewal price with enough time to make an informed decision about your renewal prior to the end of your current insurance.
If you pay for your insurance annually, you will need to contact us to arrange cover for another year.
If you don't plan on renewing then please contact us to discuss further options.
At Bristol Sport Insurance, our aim is to get everything right, first time, every time. If a mistake is made we aim to put it right quickly. To start the process of reporting a complaint all you need to do is phone, e-mail or write to the contact details below:
|Telephone:||0344 800 3694|
|Write to:||Bristol Sport Insurance, Europa House, Midland Way, Thornbury, Bristol, BS35 2JX|
Once your complaint has been received it will be treated with the highest importance.
Within five working days we will:
Within four weeks we aim to:
We hope that our response will never exceed eight weeks but should it do so, we will explain why it has not been possible to give you a Final Response, and let you know when we will be ready to do so. At this point we will also advise you of your rights under the Financial Ombudsman Service.
This is a free, independent service for resolving complaints about most financial matters.*
If you're not happy with our Final Response to your complaint, or with the reasons given for any delays beyond eight weeks, you can contact the Financial Ombudsman Service using the details below:
|Telephone:||0800 0234567 / 0300 123 9123|
|Write to:||The Financial Ombudsman Service, Exchange Tower, London, E14 9SR|
Any complaint referred to the Financial Ombudsman Service needs to be made within six months of the date of the Final Response. It is possible that your complaint may not be eligible for referral to the Financial Ombudsman Service. If so, one of their staff will still be able to advise you on your options, or you might prefer to seek your own professional or legal advice.
The European Commission has an online dispute resolution service for consumers who have a complaint about a product or service bought online. If you choose to submit your complaint this way it will be forwarded to the Financial Ombudsman Service.
Alternatively, you can contact the Financial Ombudsman Service directly.
In the event of a claim, please call 0344 335 2588 as soon as you can. The Claims Department will gather all the information required to process your claim.
If you need to make a claim on one of your Optional Extras, then call the relevant number below:
0800 055 6472
0370 243 0151
0843 227 7574
0344 800 3693
0330 102 8755
Once we have taken all the relevant information, your claim will be passed over to your insurer to process.
The renewal invite that we sent you about a month before your renewal date contains your proof of no claims. We will also automatically send a copy of your earned NCB to you by email shortly after your policy with us ends.
You can choose to pay for your insurance in full via debit or credit card.
By Direct Debit
You can choose to pay monthly by Direct Debit credit agreement through our third party premium finance provider, Premium Credit Limited (PCL).
PCL are authorised by the Financial Conduct Authority (FCA) to provide finance to customers in respect of insurance premiums.
Phone: 0344 736 9836
Post: Premium Credit Limited, Ermyn House, Ermyn Way, Leatherhead, KT22 8UX
Please note: Onequote Direct/Bristol Sport Insurance is a credit broker not a lender. We only introduce you to PCL for the arrangement of Direct Debit credit agreements. You do not pay us anything for this service. Instead, you pay interest on the amount loaned to you by PCL, known as a Transaction Fee.
You will pay a Transaction Fee for each transaction added to your PCL account. You will be told which rate applies to you before you submit your application for credit. This information will also be included in your PCL Welcome Pack.
When you apply to pay by Direct Debit credit agreement, PCL will search public information that credit reference agencies hold about you and use this to assess whether they will lend to you. If they decline your application, they will let you know and inform you of the credit reference agency they used.
PCL Welcome Pack
The PCL Welcome Pack contains important information about your Direct Debit credit agreement. This includes information about PCL, the terms and costs of the potential finance product and the comparable costs of the financing so you can make an informed decision about whether to proceed. Documents included in the pack are Pre-contract Explanations and your Credit Agreement which will confirm all the details of your Direct Debit credit agreement including the Annual Percentage Rate so you can compare this with other types of lending.
Annual Percentage Rate (APR)
The APR shows all the credit-related charges that apply to your credit agreement expressed as an annual rate of charge.
Managing my Direct Debit
If you have chosen to pay for your insurance by Direct Debit, you must register online with PCL and sign your credit agreement.
To register for your online account and to find out how to sign your credit agreement, visit www.support.mypremiumcredit.com.
If you do not sign your Direct Debit credit agreement online, PCL will make a £10 charge.
Once you have registered, you can manage your account online including making changes to your payment date and bank details as well as cancelling your agreement.
Cancelling your agreement
You have a 14-day right to cancel the Direct Debit credit agreement after it has been made, which can be done via the PCL portal. For more information on how to cancel your Direct Debit credit agreement, visit www.support.mypremiumcredit.com/Cancelling-my-agreement/.
PCL will notify us if you cancel your Direct Debit credit agreement, fail to make payment on time and in full or if you end the Direct Debit credit agreement. If you do not make payments as detailed in your agreement, you may be charged £20 each time you miss or make a late payment. If your Direct Debit credit agreement is cancelled, you must contact us to arrange alternative ways to pay for your car insurance or your policy will be cancelled and all cover will end.
For more information about your Direct Debit credit agreement and PCL, please contact us.
Yes, we offer Comprehensive car insurance as well as Third Party, Fire and Theft (TPFT) and Third Party Only (TPO).
Yes, we offer a wide range of Optional Extras which you can add to your car insurance to tailor it to your specific needs. These include:
Some of the insurers on our panel will quote for cars with modifications however we are not able to provide quotes online as each insurer applies different terms depending on the modification. Please contact us to discuss your car modifications.
Windscreen cover is included as standard on Comprehensive cover.
Your policy may cover you to drive other cars in times of emergency, subject to the level of insurance you have selected, your age, your occupation and the type of vehicle. You should check at the time you take out your policy and it will be shown on your insurance certificate.
This will vary from insurer to insurer so please ensure you contact us to check your policy details before you travel.
As part of Continuous Insurance Enforcement (CIE) it is now a legal requirement to have continuous insurance in place, even if the vehicle is off the road, unless the vehicle has been declared SORN (Statutory Off Road Notification). For more information about CIE and the exceptions and penalties in place, visit www.direct.gov.uk/stayinsured.
It is important that you notify us of any changes to your circumstances or if you change your car, as soon as possible. Failure to do so could invalidate your insurance and result in your claim not being paid. To update your policy, please contact us. Please note, changes to your policy will incur an administration fee of up to £50. Your premium may also be adjusted.
During the cooling-off period
You have a 14 day cooling off period during which you are able to cancel your policy. If you cancel during the cooling off period you will be charged for the time you have held your policy, assuming there has been no incident, plus a charge of up to £25 which covers our administration with the insurer. Any optional extras will be refunded in full, providing no claims have been made.
If cover hasn't started, you will be entitled to a full refund of the premium you have paid, less our administration charge of up to £25.
After the cooling-off period
If you are cancelling outside of the 14 day cooling off period you will be charged for the time you have held your policy according to the insurer terms found in your policy booklet, again assuming there is no incident, plus an administration charge of up to £50. Our charges are in addition to any charge imposed by your insurer. There is an additional £25 fee if the policy has come from an aggregator.
Please note, any optional extra cover that runs alongside your policy will also be cancelled with no refund provided. Please contact us before cancelling to discuss your refund. For more information on cancelling your policy, please refer to our Terms of Business.
|Fees and Charges||Description||Amount (£)|
|New business fee||This is for arranging a new policy.||Up to £50|
|Renewal fee||This is for arranging a renewal.||Up to £50|
|Temporary addition fee||If you want to make a temporary change to your policy.||£20|
|Mid-term adjustment fee||Change of vehicle or driver.
Any other permanent change
|Cooling off cancellation fee||If your policy is cancelled within 14 days from the start date of your policy, this fee will be charged.||£25|
|Cancellation fee||If your policy is cancelled after 14 days from the start date of your policy, a fee will be charged.||£50|
|Price comparison charge||If your policy was taken out through a price comparison site and your policy is cancelled by you or us, we reserve the right to charge within the first year.||£25|
|Credit card charge||If you pay by credit card.||FREE|
|Duplicate document charge||If you require duplicate documents.||£20|
|Document Postage Charge||Email
|Voided policies fees||This is for a policy which has been voided.||£75|
Please refer to our FAQs for any fees and charges relating to the direct debit arrangement for your monthly instalment payments with Premium Credit Ltd.
Please refer to our Terms of Business and your policy documentation for further details, including your right to cancel under the terms of the "cooling-off" period and afterwards and for details of how refunds of premium are calculated.
Please be aware that premiums for our Optional Extras, e.g. Legal Expenses are non-refundable.