Terms and Conditions

Geoffrey Insurance Services is a trading name of Markerstudy Direct Limited (MDL), an appointed representative of Markerstudy Insurance Services Limited (MISL), which is authorised and regulated by the Financial Conduct Authority.  Registered in England & Wales No. 03228539 with registered office address: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB. 
Markerstudy Direct Limited and Markerstudy Insurance Services Limited are part of the Markerstudy Group of Companies.
 

Regulation

MDL is an appointed representative of MISL.  The Financial Services  Reference Number is 801751.  MISL is authorised and regulated by the Financial Conduct Authority (FCA) as an intermediary.  The Financial Service Reference 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 Financial Services 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

Markerstudy Direct (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
  • 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.


How we use your information

We believe in keeping your information safe and secure. Full details of what data we collect and how we use it can be found in our privacy policy which you can access via https://www.geoffreyinsurance.com/privacy-policy or by requesting a copy from our Data Protection Officer (contact details below). This section provides you with some basic information and explains:

  • What we do with your information
  • How we may check the information you have provided to us against other sources such as databases
  • Who we share your information with, and
  • How we may use your information.

We are governed by the Data Protection legislation applicable in both the United Kingdom


How we may collect your information

We may collect details about you from

  • Information you give to brokers
  • Information you give us in online forms and other forms
  • Other sources such as Google Earth and social media
  • Third parties and other sources
  • Telematics systems.


What information we may collect about you

We collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.


How we may share your information

In order to provide our services to you, we may share your information with insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies.
Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.


How we may use your information

We may use your information for a number of purposes. These include:

  • Providing you with our services
  • Dealing with your claim
  • Carrying out checks such as fraud checks and credit checks
  • Providing you with information about our products and services.

We give details about some of these processes below.


Driving Licence checks

We may also provide your (or any named third party) driving licence number (DLN) and other details to the DVLA to confirm licence status, entitlement and relevant restriction information and endorsement/conviction data.

Searches may be carried out prior to your policy commencing and at any point during your insurance policy including any mid-term adjustment and renewal stage. For details relating to information held about you by the DVLA please visit www.dvla.gov.uk.
The DVLA may also be used to search your (or any named third party’s) no claims discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement.

We may pass details of your no claims discount to certain organisations to be recorded on a NCD database.
 

Providing you with details on our Products and Services

Where you have given us your consent to do so, we will send you information about products and services of ours and other companies in our Group which may be of interest to you. We may contact you by telephone, letter or email (as you have indicated).

You have a right at any time to stop us from contacting you for marketing purposes or giving your information to other members of the Group.

If you no longer wish to be contacted for marketing purposes then please contact our Data Protection Officer (contact details below).
 

Motor Insurance Database

Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Bureau (MIB). MID and the data stored on it, including your personal details, may be looked at and used by certain statutory and/or authorised bodies including the Police, the DVLA, the Insurance Fraud Bureau and other bodies permitted by law.

If you are involved in an accident (in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant 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.

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 details are shown on the MID at www.askmid.com 


Fraud Prevention and Detection

We carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance.
When carrying out these checks, we will search against fraud detection databases.
We may pass details about you to some of these databases.
Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.
 

Claims History

We may process data relating to your claims history for the purposes of assessing any claim you may make.
The aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.

Credit Searches and Accounting

In assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.
Credit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.
 

Transfers

Sometimes your information may be transferred outside the European Economic Area by us, by
the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.
 

Your Rights as a Data Subject

Under Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).
 

Data Protection Officer

 
If you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at: 
Data Protection Officer
Markerstudy Direct Limited
45 Westerham Road
Bessels Green
Sevenoaks
Kent
TN13 2QB


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