About us

Geoffrey Insurance Services is a trading name Markerstudy Direct Limited (MDL) registered in England and Wales (No. 03228539) with registered office at Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.
 

Regulation


MDL is an appointed represerntative of Markerstudy Insurance Services Limited (MISL). MISL is authorised and regulated by the Financial Conduct Authority (FCA) as an intermediary.  The Financial Service Registration number for MDL is 801751 and MISL is 475572. Zenith Insurance Plc is regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK (No. 211787) 846-848 Europort, Gibraltar.  QIC Europe Limited is authorised and regulated by the Malta Financial Services Authority (MFSA) to carry on general insurance business in terms of the Malta Insurance Business Act, 1998 and subject to limited regulation by the UK Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK (No. 659521) No. 7, 4th Floor, Block C, Skyway Offices, 179 Marina Street, Pieta, PTA 9042, Malta.
 
You can check this on the FS's Register by visiting the FCA's website https://www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.
 

Accuracy of information

Before completing your quote, please read the questions and answers again. It is an offence at law to make a false statement or withhold any material fact for the purpose of obtaining an insurance contract. Making a false statement or withholding a material fact could result in your insurance being void from inception, leaving you without insurance cover. A material fact is one that is likely to influence the acceptance and/or assessment of your proposal for insurance. If you are in any doubt as to whether a particular item of information is material, you should disclose it.

Cancellation

You have the right to change your mind and cancel this policy (without giving any reason) within 14 days of receiving the policy documents or the start of the policy, whichever is later. If you do this, the insurer will only charge you for the period of time that you have been covered plus a £20 administration fee. We will only charge you for the time you have been covered if you cancel the policy after this initial 14 day period but the administration fee may be increased to £65 dependent on how your policy was arranged. In either situation you must return the Certificate of Motor Insurance to us.

Renewal

We will write to you 21 days before your policy expires with full details of your next year's premium and policy conditions. Unless we are told otherwise, we will automatically renew your policy. If you paid by credit / debit card last year, we will use the same method of payment and will debit the card that was used most recently to make a payment. If you do not want to renew this policy, all you need to do is call us prior to renewal to let us know.

Complaints process

If you have a complaint about the service provided to you by Geoffrey Insurance Services, you may write to the person at the address shown in the Terms of Business.

If you remain dissatisfied with the Geoffrey Insurance Services response, you can refer the matter to the Financial Ombudsman Service (details will be made available at the appropriate stage of the complaints process).

Please click HERE to read our Complaint Handling Procedure. 

Compensation scheme

Markerstudy Direct Limited (trading as Geoffrey Insurance Services) and Markerstudy Insurance Services Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Geoffrey Insurance Services or Markerstudy Insurance Services Limited cannot meet their obligations.

You can get more information about compensation scheme arrangements from the FSCS.

Administration fees

Geoffrey Insurance Services will charge an administration fee in the following circumstances:

  • Mid-Term Adjustment to the policy - £20
  • Posted Duplicate Documents - £10
  • Cancellation within the first 14 days - up to £25 (dependent on how your policy was arranged)
  • Cancellation outside of the first 14 days - up to £50 (dependent on how your policy was arranged)

Notice - data protection

We are required to provide you with this information to comply with current Data Protection Legislation. In order to prevent and detect fraudulent applications and claims, and/or in order to pursue a claim in respect of a road traffic accident (including those occurring in other countries) we (and your insurer) may share and receive information about you with other organisations and public bodies including the police.

We may use your details to send you information about other products and services from companies within the Markerstudy Group or to carry out research. We may contact you by letter, telephone or e-mail. Please be reassured that we will not make your personal details available to any companies outside the Markerstudy Group to use for their own marketing purposes. If you would prefer not to receive information from companies within the group or participate in research please write to us at the address above. On payment of a small fee you are entitled to receive a copy of the information that we (and your insurer) hold about you. If you have any questions or would like to find out more about this notice, you can write to The Data Protection Officer, Prospect House, Thanet Way, Whitstable, Kent CT5 3FD or telephone 01227 284700..

Notice – exchanging information with other insurers

Insurers pass information to the Claims and Underwriting Exchange Register run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help the insurance industry to check the information provided and also to prevent fraudulent claims. When the insurer deals with your proposal for insurance, it may search these registers. Under the conditions of your insurance, you must tell your insurer about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell the insurer about an incident, it will pass information relating to it to the register.

Information relating to your insurance policy will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including :

  1. Electronic Licensing
  2. Continuous Insurance Enforcement
  3. Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
  4. The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving.

If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information.

Persons (including his or her appointed representatives) 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.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com

You can find out more about this from us, or at www.mib.org.uk

You should show this notice to anyone insured to drive the vehicle covered under this insurance.

Misuse of email

Don't be concerned that we will misuse or 'sell-on' your email address. We know how frustrating it can be to receive unwanted 'SPAM' emails, but we need your email address in order to contact you. Please see the Notice - Data Protection advice above if you have any concerns.

Previous terms imposed

Any policy which your insurer issues will be based on the assumption that no driver under the policy has previously had special terms imposed by a motor insurer. If this is not the case you must contact us to discuss the matter. Failure to contact us where appropriate could invalidate your insurance and result in a claim not being paid.

Telephone number

Quotations and new business queries call 01227 284848

Existing customer queries including changes to your policy, address, named drivers, level of cover etc and other queries from existing customers call
01227 284020.

The lines are open from
8am to 9pm Monday to Friday
9am to 5pm Saturdays
9am to 4pm Sundays and Bank Holidays