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Terms & Conditions

  1. Introduction
  • www.gondrive.co.uk website doesn’t generate any quotes itself like other comparison sites as we are not authorised to do so and all access to and use of this Website is subject to these terms and conditions (“Terms of Use”). By accessing our services and using this Website you agree to be bound by these Terms of Use.
  • This Website is intended for use by UK residents only, aged 18 years and over.
  • 1.4 We may amend these Terms of Use at any and the amended Terms of Use will be effective from the date they are posted on this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.
  • Go N Drive is an independent price searching company (not associated with any insurer or underwriter), a 3rd Party who works on customer’s behalf only up to searching the quotations.

  1. General

Go N Drive DOES NOT Regulate, Monitor, Forward or Administrate any policies, also does not intend to carry out any regulated activities therefore, We may read or describe all the quotes to you and the features and benefits, but it is solely your (clients) task to buy or go ahead with the rest on your own.  (CHECKJ COMPLETED)

  1. FSMA Regulatory and PCI DSS Compliance Information:
    As a professional firm we do not perform any regulatory activities, therefore according to The Financial Services & Markets Act 2000 (FSMA) we are not required to be authorised and regulated by FCA and PRA. In terms of handling personal and sensitive data and payment information we are registered with ICO as per Data Protection Act/GDPR 2018 and made our declarations to the information commissioner. We,  as a merchant provide information to Security Metrics (www.securitymetrics.com)  which involve our security policies, procedures and regulations. Security Metrics has found ICUK Insurance to be compliant with Payment Card Industry Data Security Standards (PCI DSS) endorsed by VISA, Master Card, American Express, Discover and JCB card brands.

  1. To comply with Data Protection Act/GDPR 2018, consultancy and advisory services as described by the Information Commissioner’s Office :

Purpose Description:
Giving advice or rendering professional services. The provision of services of advisory, consultancy or intermediary nature.

Data Subjects are:
Customers and clients.
Complainants, correspondents and enquirers.
Advisers, consultants and other professional experts.

Data Classes are:
Personal details.
Family, lifestyle and social circumstances.
Education and training details.
Employment details.
Financial details.
Goods or services provided.
Racial or ethnic origin.

  1. Explanation of Tailored Quotation
    Wetypicallydo not act as a broker or agent for any particular insurer when providing services, especially when searching for car insurance prices. In order to find the best deal for you, we will use online/offline comparison sites to provide you with an instant quote from a provider you choose. To help you out, with you acknowledgment we may search for cheaper deal changing some of your personal information. Usually this is a more challenging premium which in turn will save you money and time.  By the term Tailored Quote for any policy we mean you can have the policy tailored to your requirements. We cannot make any alterations to the insurance policy itself but we can endeavour to find the type of policy that fits your requirements. Tailored Quote includes our administration fee, interest and all other charges, but it does not include any charges from insurer or broker that may arise later on if you instruct any amendment or alteration to the policy after setting up, like change of car, change of address or change of any other personal details. When we work on Tailored Quote we always process your data and payment information according to Data Protection Act/GDPR 2018.
  1. Quotation delivery
    You should receive the results of our quotation searching work (Tailored Quote) within 24-48 hours. You will also be contacted by telephone call to discuss where you will have the opportunity to learn more about the policy features. However, we are completely reliant on the availability of the third party sites and on the overall performance of the World Wide Web. At certain times Tailored Quotes are not available. You will be advised if this is the case and under these circumstances we will e-mail you to advise when your quote is ready.
  1. Clarification of our service charge
    Full details of any fees for amendments related to your policy that you directly pay to your insurer can be found in your policy documentation. Any other fees will be discussed or advised of before proceeding with the policy. We provide Tailored Quotes for free of charge but if you decide to buy any policy by using Tailored Quote or its reference, it may incur a separate administration fee. When you pay us any administration fee you only pay us for providing you with the Tailored Quote (only when you choose to buy the policy, if you do not buy any policy, it is free) but not for setting up the policy. A Tailored Quote always includes our administration fee in it. If you give us any false or inaccurate information, it may result in cancellation of your policy and our administration fee will not be refunded. We do not share the administration fee with any insurer and this is not linked with your insurance policy and is non-refundable at any time.

 

  1. Motor Insurance Database
    Your motor insurance policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Information Centre (MIIC), sometimes it may take up to 7 days to get your policy details updated on the MID. You can also check information about your own vehicle at www.askmid.com. MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purposes of establishing whether a driver’s use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers’ Bureau and MIIC may search the MID to obtain relevant car insurance policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from the insurer, or at www.miic.org.uk

9.
We do not conduct activities as a broker or agent for any specific insurance company. Coherence to Consumer Rights Act 2015 and The General Data Protection Regulation (GDPR) the client (yourself) is appointing or authorising us to carry out price searching work on your behalf to find you a Custom-made quotation or renewal comparison from the available market (based on the accuracy of the information you have submitted to us). ICUK Insurance does not make any personal recommendations or suggestions or give any financial advice to the suitability of any products to our clients.

  1. Legal Reminder
    If any provision of these terms and conditions are held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question will not be affected.
    English law will apply to this agreement and the parties agree to submit to the non-exclusive jurisdiction of the English courts.
    Save as expressly provided elsewhere these terms and conditions shall apply only between us and you and no other person shall be entitled to benefit from them.