Managing Your Insurance Policy

We hope you will choose to be in total control of your policy by managing it online. Your username and password will give you access to My Swift Space, your secure area of our site. Please keep your security details safe. You can access My Swift Space at any time to review or update your information, or you can call us.

Who we will speak to about your policy

We recognise you may need to talk to us. However as we are an internet based company and you can manage your policy online, an administration fee may be charged for policy administration by telephone.

To make managing your insurance more convenient, we will deal only with you or people authorised by you to act on your behalf. However to prove that another person has your permission to discuss your policy we will require them to provide your security details.

We may monitor or record telephone calls to improve our service and to prevent fraud.

Sensitive information

In order to provide you with insurance we will need to process sensitive information about you and the named drivers (such as information about health or criminal convictions). Please make sure you have the consent of the named drivers before sharing their sensitive information with us.

Automatic renewals

To ensure you continue to be covered after renewal, we will seek to automatically renew your insurance. However, notably, if you pay annually by Switch or Maestro we will not be able to do so. In all cases we will contact you prior to your renewal date to advise you what to do next.

Automatically renewing your policy means we will retain your payment details securely on our files so that we can take your premium at your next renewal. Each year we will email and send you a SMS in advance to remind you that this is happening. If you do not wish to renew your policy you should let us know via My Swift Space before your renewal date.

Fees

If you choose to cancel your policy, we reserve the right to charge a £25.00 administration fee if you cancel your policy within the first 14 days.

We are an online company and all your documentation will be available via My Swift Space. We will charge £30 if you request us to send you insurance documentation by post or for any change to your policy that you make by calling us.

Your right to cancel your Consumer Credit Agreement

If you have chosen to pay by instalments, you may cancel the Consumer Credit Agreement within 14 days of its receipt. If you would like to cancel the Consumer Credit Agreement, you can make the changes in My Swift Space, by email or by calling us on 0871 230 6666^*. We will refund any premium paid in full provided that no claim has been made. If a claim has been made then no refund will be given and we will deduct any remaining and unpaid premium from the settlement amount. If you do not cancel the Consumer Credit Agreement, you must continue to pay the instalments for your policy otherwise we will cancel your cover and terminate the Consumer Credit Agreement. Please note that if you cancel your Consumer Credit Agreement within 14 days, you can continue cover under your policy as long as you pay the full premium. Otherwise your policy will also be cancelled.

Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies. If you borrow and do not repay in full and on time, we may tell credit agencies who will record the outstanding debt. If you fail to pay any instalment by the due date we may also at our option:

• cancel your policy subject to our £52.50 cancellation fee;
• terminate your Consumer Credit Agreement;
• seek to recover all monies;
• refuse to pay any claim that occurred after that date.

For full details please see your Consumer Credit Agreement. It is possible that other taxes or costs not imposed by us or paid through us may apply to your Consumer Credit Agreement.

We propose that English law will apply to your Consumer Credit Agreement and it is subject to the jurisdiction of the English courts. Unless we and you agree otherwise English law and English jurisdiction will apply to your Consumer Credit Agreement. We have supplied your Consumer Credit Agreement and other information in English and will continue to communicate with you in English.

*Calls will be charged at 10p per minute from BT landlines. Calls from other networks or from outside the UK may vary.

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