Terms and Conditions

Geoffrey Insurance Services is a trading name of Zenith Marque Insurance Services Limited (ZMISL) registered in England and Wales (No. 2135730) with registered office at Markerstudy House, 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. Authorised and regulated by the Financial Conduct Authority (No. 475572) and appointed service provider to Zenith Insurance Plc and Chaucer Syndicates Ltd. Zenith Marque Insurance Services Ltd is part of the Markerstudy Group of Companies.
 
Markerstudy Limited registered in England and Wales (No. 03969511) with registered office at Markerstudy House, 45 Westerham Road, Sevenoaks, Kent TN13 2QB. Authorised and regulated by the Financial Conduct Authority (No. 312214).

Regulation

ZMISL is authorised and regulated by the Financial Conduct Authority (FCA) as an intermediary.  The Financial Service Registration number 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 http://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 for the purpose of obtaining an insurance contract. All questions which you are asked must be fully and accurately answered. Failure to do so could invalidate your insurance policy or mean that all or part of any claim may not be paid.  All questions must be answered in relation to you and all persons who are to be insured if you are in any doubt how to answer please contact Geoffrey Insurance Services. 

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 £25 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 £50 dependent on how your policy was arranged. In either situation you must return the Certificate of Motor Insurance to us.

Geoffrey Insurance Services Learner Driver policyholders need to refer to the following Terms of Business.

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.

Geoffrey Insurance Services Learner Driver policyholders need to refer to the following Terms of Business.

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).

Compensation scheme

Zenith Marque Insurance Services (trading as Geoffrey Insurance Services) is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Geoffrey Insurance Services cannot meet its 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 - £20
  • Cancellation within the first 14 days - £25
  • Cancellation outside of the first 14 days - up to £50 (dependent on how your policy was arranged).


Geoffrey Insurance Services Learner Driver policyholders need to refer to the following Terms of Business.

Data Protection Notice

Please read this carefully, as it contains important information relating to the details that you will give / have given us.
 
We are required to make you aware of this information to comply with Data Protection Act 1998.  It explains how we may use your details and tells you about the systems we have in place that allow us to detect and prevent fraudulent applications and claims.  The savings that we make help us to keep premiums and products competitive.
 
You have a right to access personal information that we hold about you. For details relating to information held about you please contact The Data Protection Officer, Prospect House, Thanet Way, Whitstable, Kent CT5 3FD or telephone 01227 284700.
 
For details relating to information held about you on the Claims Underwriting and Exchange Database and the Motor Insurance Anti-Fraud and Theft Register please visit
 
www.insurancedatabases.co.uk/default.aspx.
 
How we will use your data
Insurance underwriting purposes i.e. to examine the potential risk in relation to your (and/or a third party’s) prospective policy so that we can:

  • consider whether to accept the relevant risk;
  • make decisions about the provision and administration of insurance and related services for you (and members of your household);
  • validate your (or any person or property likely to be involved  in the policy or claim) claims history (at any time, including upon application for insurance, in the event of an accident or a claim, or at a time of renewal)

Management information purposes i.e. to analyse insurance and other markets for the purposes of:

  • portfolio assessment;
  • risk assessment;
  • performance reporting;
  • management reporting;

Anti fraud purposes i.e. to detect and prevent fraudulent claims and/or activities by:

  • sharing information about you with other organisations and public bodies including the police;
  • tracing debtors or beneficiaries, recovering debt, managing your accounts and or insurance policies;
  • undertaking fraud searches. Insurers pass information to the Claims Underwriting and Exchange Database and where appropriate the Motor Insurance Anti-Fraud and Theft Register administered by Insurance Database Services Limited (IDSL). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers.

 Compliance with legal obligations and responsibilities :

  • Claims management – In the event of a claim we may need to disclose information with any other party involved in that claim such as third parties involved in the incident, their insurer, solicitor or representative and medical teams, the police or other investigators.  We also may have to investigate your claims and conviction history;

Motor Insurance Database - 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 DVLNI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:

  • Electronic Licensing
  • Continuous Insurance Enforcement;
  • Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
  • 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 European Economic Area 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;

Complaints management - If you make a complaint about the service we have provided, we may be obliged to forward details about your complaint, including your personal information, to the relevant ombudsman.

 
How your data will be processed 
 
Information which is supplied to IDSL and MID can include details such as your name, address and date of birth together with details of any injury arising from a claim.
 
Your data may be transferred to any country, including countries outside of the European Economic Area, for any of the purposes mentioned above.
 
Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to a claim.  When you tell us about an incident, we will pass information relating to it to IDSL.

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, changes to your policy, address, named drivers, level of cover etc and other queries from existing customers call 01227 28 40 20

The lines are open from

  • 8am to 9pm Monday to Friday
  • 9am to 5pm Saturdays
  • 10am to 4pm Sundays and Bank Holidays