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.

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 reserve the right to charge an administration fee of up to £30 if you request us to send you insurance documentation by post or for any change or correction to your policy that we make on your behalf.

Payment of Premium

If you have chosen to pay for your policy by lump sum, your payment will be debited from your payment card immediately and will appear on your statement within 3 working days. This includes any additional premium or related administration fees that may arise from changes made to your policy.

If you have chosen to pay for your policy by instalments, you will be provided with a Fixed Sum Loan Agreement in accordance with the Consumer Credit Act 1974. This contains important information relating to your credit agreement. your deposit will be debited from your payment card immediately and will appear on your statement within 3 working days. Should you make any changes to your policy that affects your premium, you will receive an amended Fixed Sum Loan Agreement to outline your new credit agreement and any related administration fees that may arise from these changes will be debited from your payment card immediately and will show on your statement within 3 working days.

You may change your payment method from instalment to lump sum at any point during your policy year.

Should you fail to make your payment(s) in full and by the due date, we will seek to recover all monies and may:

• Charge you an administration fee for instalments rejected by your bank due to a cancelled instruction or insufficient funds
• Terminate your Consumer Credit Agreement
• Cancel your policy subject to our £52.50 cancellation fee
• Refuse to pay any pending claims on your policy/policies
• Refer details of your policy to our debt collection agencies that will seek to recover all monies on our behalf and may record the outstanding debt. Should this action be taken, we reserve the right to add an administration fee to the value of your debt to cover costs incurred.

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