Terms of Business
- About eLifebelt
- Disclosure Of Information
- Statement of Information
- Policy and Administration Charges
- Data Protection Act
- Motor Insurance Database
- Claims & Underwriting Exchange Register
- Cover
- Cancellation of Policies
- No Claims Discount
- Driving Licence
- Payment of Premiums & Refunds
- Quotations
- Governing Law
- How to Complain
- Compensation Scheme
- Other Taxes or Costs
About eLifebelt
eLifebelt is an internet based insurance company. Please note that our primary method of communication with all of our customers is via email. Any changes or adjustments to your policy must be made by yourself online by accessing your account and cannot be completed for you by a member of our helpdesk. The emphasis on the administration of the policy will be placed on yourself.
Disclosure Of Information
eLifebelt expect you to provide complete and accurate information when you take out your insurance policy, throughout the lifetime of the policy and when you renew your insurance. If you are unsure about disclosing any information please contact us for guidance.
Failure to disclose any material information or inaccuracies in the information given could invalidate your insurance cover and mean that part or all of your claim may not be paid.
Always keep copies of correspondence sent or received concerning your insurance.
You are reminded that it is an offence under the Road Traffic Act to make any false statements or withhold any relevant information to obtain a certificate of motor insurance.
Statement Of Information
When a policy is taken out we will send you a Statement of Information which shows the information you have supplied to obtain insurance cover. Please read this carefully as the answers detailed on this statement are your responsibility. If you make any changes to your policy, or add additional information we will send you a copy of the changes.
Policy and Administration Charges
We reserve the right to amend the level of the following charges at any time. You should also note that we will not be responsible for any fines or costs that you incur relating from late delivery of, or incorrect information on, any document relating to your insurance.
- In addition to the premium, charges are made to cover the administration of your Pay As You Go insurance. Pay As You Go premiums are subject to a £6 a month administration charge.
- Mid Term Changes to Standard or Pay as You Go policies will be subject to a £25 administration charge if the Additional Premium is over £20, or the Return Premium is over £35. All Mid Term Changes to Short Term Cover policies will be subject to a £5 administration charge.
- Standard policy: Refunds of less than £10 will not be allowed. For additional premiums under £20 the administration fee will be waived.
- Pay as You Go and Short Term Cover policy premiums are non-refundable.
- On cancellation of your annual policy when we receive your certificate of insurance you will be entitled to a refund on a pro rata basis for the period of insurance still remaining subject to you not having made a claim or a claim having been made against you during the period of cover. This will be less a cancellation charge of £50.
- On cancellation of your Standard policy due to non receipt of copy driving licence and/or proof of NCD (No Claims Discount) on receipt of your certificate of insurance You will be entitled to a refund on a pro rata basis for the period of insurance still remaining subject to you not having made a claim or a claim having been made against you during the period of cover. This will be less a cancellation charge of £75
- We will charge £25 administration fee for the creation and release of duplicate documents and non standard letters.
The eLifebelt instalment plan will be arranged by Panacea Finance Ltd, and provided by one of a panel of finance providers.
Information about our Premium Finance Providers and the Direct Debit Process.
Legal Expenses (if applicable)
There is a charge of £47.70 included in all comprehensive premiums for cars manufactured within the last 8 years and £77.50 on all non-comprehensive premiums and comprehensive premiums for cars manufactured more than 8 years ago (all rates are subject to Insurance Premium Tax if applicable) for Legal Expenses cover underwritten by I.G.I. Insurance Company Ltd.
Breakdown Assistance (if applicable)
There is a charge of £38.00 (subject to Insurance Premium Tax if applicable) included in all comprehensive premiums for breakdown assistance cover underwritten by Europ Assistance Insurance Limited for cars manufactured within the last 8 years.
Data Protection Act
For Data Protection Act purposes, eLifebelt and Southern Rock Insurance Company Limited will hold and process your personal data for insurance administration and for the marketing of our own and other insurance related products. For these purposes, the information may also be passed to selected Third Parties and reinsurers. All personal data supplied must be accurate and you must have the specific consent of those other persons insured to disclose their personal data. Under the Data Protection Act, 1998 you have rights of access to any personal information we hold about you in our records. If you have any queries in respect of confidentiality and data protection please contact us.
Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID). The MID is run by the Motor Insurers Information Centre (MIIC). 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, the MID maybe used by Insurers, MIIC and the Motor Insurers' Bureau to identify relevant policy information. People pursuing a claim in respect of a road traffic accident may also obtain relevant information held on the MID. For more information visit www.miic.org.uk
Claims and Underwriting Exchange Register
eLifebelt/Southern Rock Insurance Company Limited will pass information to the Claims and Underwriting Exchange Register which is run by Insurance Database Services Limited (IDS Ltd), and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us to check information provided and also prevent fraudulent claims. When dealing with your request for insurance these registers may be searched. Under the conditions of your policy, you must inform us of any incident (such as an accident or a theft) which may or may not give rise to a claim. When you inform us of an incident, we will pass the information relating to it to the registers.
Cover
The eLifebelt policy wording is available online. This should be read to ensure that the cover being provided to you is the cover you need. The cover we will issue for you will be based on the answers you have provided to the online quotation system. It is your responsibility to provide accurate information to eLifebelt when you take out, change or renew your insurance policy.
Please note - it is your responsibility to ensure that you are in possession of a valid cover note or certificate of insurance before you use your vehicle on the public highway. If your existing cover has expired, no cover will exist until a replacement cover note or certificate has been issued.
Once you have purchased your car insurance cover online you will be sent an email confirming cover details. We recommend you keep copies of all communications from eLifebelt for your records. You will receive your Certificate, Policy Schedule, Statement of Fact and Policy Booklet by post.
Cancellation of Insurance Policies
(i) Where cancellation rights exist
If you are an individual or sole trader (including a partnership in England and Wales) buying a policy which provides cover for you in both a private and business capacity, you have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day on which you receive your policy documentation, whichever is the later. If you exercise this right and the cover has not yet commenced, you will be entitled to a full refund of the premium paid. If the insurance has commenced, you will be entitled to a refund of the premium paid, subject to a deduction for the time you have been on cover and a deduction for our cost’s attributed in concluding your policy, administering your contract up until the effective cancellation date and processing the cancellation.
To cancel a policy log onto www.elifebeltinsurance.co.uk and select the Make A Change To Your Policy option and click on the Cancel Policy option. Your Legal Expenses policy maybe cancelled at any time but the premium is non-refundable.
(ii) When cancellation rights do not exist
Standard Car product
These insurance policies are arranged for a period of 12 months and you are required to pay the full amount stated. If the insurance is cancelled before the expiry date, other than in accordance with (i). on receipt of your certificate of insurance, you will be refunded on a pro rata basis for the period of insurance still remaining, subject to you not having made a claim, or a claim having been made against you during the period of cover less a £50 cancellation fee. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover. The cost of add-on products that you purchase will be non-refundable (other than in accordance with (i) above). If there are any unpaid monies when the policy is cancelled, we may withhold documents such as no claims discount to which you are entitled, until full payment is made. If you paid the premium by instalments the credit charges made by the premium finance provider will not be refunded.
Pay As You Go product
Pay As You Go policies are issued on a monthly basis. If you cancel the insurance before expiry date, other than in accordance with (i) above, there will be no refund of premium. The cost of add-on products that you purchase will be non-refundable (other than in accordance with (i) above). If there are any unpaid monies when the policy is cancelled, we may withhold documents such as no claims discount to which you are entitled, until full payment is made.
No Claims Discount
Please note that if you have taken out your policy on the basis of having earned any level of No Claims Discount (NCD) we require written proof to be sent to us within 14 days of the inception date of your policy. We recommend sending written proof of No Claims Discount by recorded delivery to eLifebelt. Alternatively you can also scan your written proof and email it to us at ncd@egroupltd.co.uk.
If when you provide your proof of NCD to us we identify discrepancies and/or non-disclosures which do not correspond to the information you have provided online when you purchased your policy, we may cancel your policy or apply the correct additional premium. Where we apply the correct additional premium, a 20% non-disclosure administration fee is payable, subject to a minimum fee of £35.
Failure to provide us with valid proof of NCD will result in your policy being cancelled by Us. You will be entitled to a refund of the premium paid on receipt of your certificate of insurance subject to a £75 administration charge for the costs incurred by us in issuing the policy and a deduction for the period of cover you have had. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover.
Please note that Short Term Cover policies are not subject to No Claims Discount
We will only accept the No Claims Discount you input provided that it is;
- Previously earned on a private car, commercial vehicle or motorcycle policy only
- Less than 2 years old and must be in policy holders name
- Earned within the European Union (provided in English by a sworn translator)
- All No Claims Discount must be in years not a percentage
- Not being used on another policy as No Claims Discount can only be used on one policy at a time
Anything outside of these criteria will not be accepted.
Driving Licence
Please note that this insurance is subject to you providing us with a copy of the Driving Licence for all drivers on this policy. Required is a copy of the Counterpart Driving Licence and the front and rear of your Driving Licence Photo Card.
Failure to provide us with both parts of the Driving Licence for all drivers on the policy within 23 days of the start date of the policy will result in your policy being cancelled.
If when you provide your Driving Licence to us we identify discrepancies and/or non-disclosures which do not correspond to the information you have provided online when you purchased your policy, we may cancel your policy or apply the correct additional premium. Where we apply the correct additional premium, a 20% non-disclosure administration fee is payable, subject to a minimum fee of £35.
You will be entitled to a refund of the premium paid on receipt of your certificate of insurance subject to a £75 administration charge for the costs incurred by us in issuing the policy and a deduction for the period of cover you have had. We will not refund any premium if you have made a claim or if one has been made against you during the period of cover.
Copies of your licence can be sent to us via post. Alternatively you can also scan your licence and email it to us at licence@ecarinsurance.co.uk.
As we only request that customers send copies of their Driving Licence, we are not responsible for the loss or non return of the original driving licence
Payment of Premiums and Refunds
Unless otherwise agreed and formalised by a premium instalment plan, all premiums are due on the day cover is arranged, the date the policy is due for renewal or the date of any mid-term adjustment. If we arrange an instalment plan for you an administration charge of £27.50 will apply. You will be responsible for paying the instalments as they fall due. In the event of payment not being made, you will be sent a 7-day cancellation letter by recorded delivery. Policy cover will cease from the date advised in this letter. Any refund due, after deduction of the cancellation charge, will be used against any outstanding balance on your instalment plan.
The eLifebelt instalment plan will be arranged by Panacea Finance Ltd, and provided by one of a panel of finance providers.
In most cases all refunded premiums will be refunded via Cheque. In some cases, we may refund back to the card on which you used to make a payment on the policy. If you have any concerns over either of these refund methods then please contact us prior to making any changes to your policy. Please note that the choice of whether to refund by card or cheque is at our discretion.
Refunds made to card will appear in your account between 3-5 working days depending on your banking provider.
If you pay for your policy via Direct Debit then any refund will be calculated and sent via cheque.
Information about our Premium Finance Providers and the Direct Debit Process.
Pay As You Go premiums are non-refundable.
Quotations
Quotations offered by the eLifebelt on-line website are guaranteed for 14 days. You will be issued with a quote reference number, which in combination with your e-mail address will allow you to retrieve any stored quote. eLifebelt has the right to decline your risk or increase the premium payable if any errors or omissions are found in the statement of fact.
Governing Law
Unless we agree otherwise, this insurance will be governed by English Law. We have the right to refuse if you request a different law.
How To Complain
eLifebelt aim to provide a standard of service that will leave no cause for complaint. If you feel that the high standards we set ourselves have not been met please contact complaints@ecarinsurance.co.uk or write to:
The Customer Relations Manager eLifebelt MMT Centre Severn Bridge Aust Bristol BS35 4BL.
For enquiries about the use of our Technical Helpdesk telephone number call 01454 634887.
We are regulated by the Financial Services Commission. Our arbitration service is the Financial Ombudsman Service. If you are not satisfied with the response to your complaint you may contact them at:
Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR. Tel: 0845 080 1800 Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk
Compensation Scheme
If we are unable to meet our liability under this policy you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). This will depend on the circumstances of the claim. Further information about the compensation scheme is available from the FSCS on www.fscs.org.uk or write to:
Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8BN
You should show this notice to anyone insured to drive under the policy.
Other Taxes or Costs
Please note that there is a possibility that other taxes and/or costs may exist in respect of products and services offered by us, which are not paid through or imposed by us.
eLifebelt is a trading style of E Insurance Services Ltd. Authorised and regulated by the Financial Services Authority. Registered in England No. 5603030 Registered Office: MMT Centre, Severn Bridge, Aust, Bristol, BS35 4BL.
Features and Benefits
Click below to see what makes eLifebelt unique.
- Protected NCD for life
- NCD Accelerator
- European Cover Included
- Multiple Drivers and Vehicles
- Breakdown Cover Included
- Legal Cover Included
Product Information
Underwritten by
