Welcome to our terms and conditions. These terms and conditions form the basis of the contract between you (the customer) and us (Sure Thing), so it is important that you read them carefully each time you purchase an insurance policy with us.
These terms and conditions set out:
- who we are and how you can contact us;
- what services we provide, including any fees and charges; and
- how we use the information you give us.
You should use the information we provide here to decide if our services are right for you.
Please note in these terms and conditions, 'our', 'we' and 'us' refer to Sure Thing. Sure Thing is a trading name of QMetric Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). FCA registered number: 529506, www.fca.org.uk for more information. The FCA is the independent body that regulates financial services. QMetric's registration with the FCA allows us to provide insurance services, intermediation and credit broking.
The registered address of QMetric Group Limited is:
32-38 Dukes Place, London, EC3A 7LP
and its company registration number is: 07151701, registered in England and Wales.
We have the right to amend these terms and conditions without giving you notice. If you have any questions about the terms and conditions, please email email@example.com or call us on 0344 355 5555.
Our service to you
By asking a series of questions we aim to identify your insurance demands and needs and provide you with quotes from our panel of insurers. We also provide you with the information you need to make an informed decision when buying any of the products and services that we offer.
We do not offer advice or make recommendations about which of our products and services will be the most suitable for your needs. You need to make your own choice about what to buy. If you are unsure, we suggest that you ask for advice from an independent insurance adviser, who should be able to help you make the right decision.
We work with a number of carefully chosen third parties to offer you the products and services that you can buy on our website or over the phone. The full list of these is available at www.surething.co.uk/trusted-partners
We work as an intermediary to represent the insurers on our panel to offer and sell insurance products, and we have the authority to sell insurance policies on their behalf. We act on behalf of a panel of insurers to provide quotes, issue policies, collect premiums and manage claims.
We have the right to add more insurers or change existing insurers, as we see fit, to make sure we maintain the high standards we aim for in offering and providing you with insurance cover.
There is more information on the insurers who are underwriting (providing) your policy in the policy wording or product summary documents. Policy documents are available on our website.
If you would like us to send you paper copies of your insurance documents by standard class post, these are available free of charge. If you require a special mailing of insurance documents (for example guaranteed next day delivery), you will need to pay any additional postage costs we incur. All documents are available free of charge on our website.
How to make a payment
You can pay for your policy by credit card or debit card, or by premium finance (subject to acceptance by the lender).
Payments by card
After you have made a card payment, our payment service provider (PSP), the company that processes payments on our behalf, will keep a record of your credit card or debit card details so that we can use these details at a later date, for example: - to make a refund; - take payment for extra insurance products you buy from us; - check your card is still valid for the next year's payments at renewal; and - to renew your policy. Our PSP stores your credit-card details in an encrypted format and keeps to the Payment Card Industry Data Security Standard, which includes strict requirements for how credit-card details must be handled.
Payments by premium finance
We are registered with the Financial Conduct Authority as a credit broker. If you choose to pay your insurance premium by monthly payments, we will act as your agent in helping you arrange finance with a lender, subject to acceptance of the loan application by the lender. We will not charge you fees or interest for this service, but we will receive a commission from the lender. The lender will charge you interest on the money they lend you. They may also charge you fees, which are set out in their agreement with you and are listed in Our Charges section below.
The premium finance company will keep a record of your bank details.
Your first monthly payment may be different from the rest of your monthly payments. This is because the total amount you will pay cannot always be divided into equal monthly amounts.
If you miss any monthly payment your credit rating might be affected, which may mean it is difficult for you to get credit in the future.
If you do not keep up to date with your monthly payments your credit agreement will be cancelled. If this happened, you would need to pay for your insurance in one payment or cancel your policy.
How we handle your money
We act as an agent of the insurers on our panel in collecting, holding, receiving or paying (as appropriate) premiums, premium refunds, claims, reinsurance premiums, recoveries and other related money. You are protected because:
- premiums are treated as being received by the insurer when we receive them in our bank account; and
- a premium refund or claims payment is treated as being received by you when you actually receive it.
We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We receive a payment from the insurer, which comes out of the premium you pay. This amount can vary.
Administration process and our charges
Making a change to your policy
Please call us immediately if there are any changes to the information set out in the Statement of Fact document and on your schedule. If your current insurer accepts the changes, your premium will be adjusted to reflect this. If you pay monthly, your monthly amounts will be adjusted. If you pay in full, payment will be due immediately.
If your current insurer does not accept the new risk a new quotation may be offered with another insurer. If you accept a new quotation a new policy will begin.
If you pay in full, payment will be due immediately.
If you choose to pay monthly and the finance provider accepts, you may need to pay a deposit immediately (by debit card or credit card). The finance provider will provide a loan for the remaining balance, payable by you in a series of monthly payments.
Changes in your circumstances may result in us not being able to offer you cover and your current policy may be cancelled.
See below 'Our refund policy'
How to cancel your policy
You can cancel any policy at any time during the policy term by calling us on 0344 335 5555.
There is a cooling-off period for you to check that the policy you have bought meets your needs.
If we provide you with electronic access to your policy documents, this is the first 14 days from the date you purchase the policy.
If we do not provide you with electronic access to your documents, the cooling-off period is 14 days from the date the policy documents are delivered to your correspondence address.
If you cancel your policy in the 'cooling off' period we will charge you a cancellation fee.
After the 'cooling off' period, if you cancel a policy, you may have to pay a cancellation fee.
Any optional extra policies you have bought will also be cancelled on the same date as the main policy is cancelled.
Our refund policy
If you cancel a policy and no claims have been made by you or against you, we will refund you an amount of premium for the period from the cancellation date to the policy expiry date.
If you have made a claim under your policy, or a claim has been made against you before you cancel, and you have paid in full you will not receive a refund. If you are paying by direct-debit the full annual premium is due and you will be required to pay outstanding balance on the instalment agreement.
If you have paid in full by card, we will pay refunds back to the original debit card or credit card you used to buy the policy. If this is not possible (for example, if your card has expired) we will refund you by cheque.
If you pay monthly, we will cancel your direct debit.
If a direct-debit payment is due from you within two days of the date you request to cancel, it may not be possible to stop that payment. If so, we will only be able to inform you of an approximate refund amount and will process the cancellation once the payment has completed.
If you have chosen to pay by direct debit your effective date of policy cancellation will be the last date of paid cover, or the cancellation date you request, whichever date is the earliest.
Our right to cancel your policy
We have the right to cancel any policy at any time if there is a valid reason for doing so (for example, if you haven't given us the correct information). We will give you at least 7 days' notice in writing via email to the email address you have provided before cancelling any policy. If fraud has been proven, we do not have to give you notice and can cancel the policy immediately.
Sure Thing don't charge you any administration fees for:
- buying your policy over the phone;
- paying by debit card or credit card;
We do charge the following fees.
- A £30 cancellation fee if you or we cancel your motor insurance policy within the 14-day cooling-off period.
- A £60 cancellation fee if you or we cancel your motor insurance policy after the 14-day cooling-off period.
- A £30 administration charge for any changes made to your policy during the policy period if you contact us to make the change on your behalf.
- A £30 administration charge for any changes made to your policy during the policy period if you make the change online using the Sure Thing portal.
- A £20 renewals arrangement fee. Depending on your chosen method of payment, this will be included within your one-off payment or spread across your instalment payments
In addition to the above fees, some of our insurers may charge you a fee if you or they:
- make a change to your policy after you've bought it; or
- cancel your policy.
Their fees will vary and will be set out in each insurer's policy wording document. Our premium finance provider may charge you the following fees:
- Up to £30 for each monthly payment that you miss
How to renew your policy
Before your policy is due to end we will let you know by email, phone, or letter if we are able to continue offering you insurance.
The insurer for your policy does not guarantee to offer a renewal quote. If that is the case, we will try to find you cover with another insurer on our panel. If no other insurer on our panel is able to offer you cover, we will aim to give you at least 21 days' notice before your existing policy ends.
If your policy is not renewed, it will end, and you will no longer be covered.
If we can offer you renewal terms, we will attempt to renew your policy automatically.
If you don't want your cover to automatically renew and you want to opt out of this 'automatic renewal' process, simply contact us before your renewal date to end your continuous payment.
Automatic renewal (paid in full policies)
If you have paid for your policy in full, we will try and renew your policy using the payment card details that you used to pay for your previous policy.
About one month before automatically renewing a policy, we may pre-authorise your previous payment card with £2. This does not transfer any money to us, but temporarily reduces the money available to spend on your card. After a few days (depending on your bank) this reserved amount is released and is available again on your card.
If we find that your card details have changed, in some cases we may be able to ask our payment service provider to update the card details.
These are standard procedures in the insurance and financial services industry. We do this to:
- check that your method of payment is still valid;
- give us time to contact you if there is a problem; and
- make sure that your insurance will renew on time, without a break in your cover.
Please note that if we are unable to update the card details, we will not be able to automatically renew your policy
Automatic renewal (Direct Debit policies)
If you pay monthly for your policy by Direct Debit, we will renew your policy using the same bank details you provided for your previous policy.
What we need from you
We rely on the information you give us when deciding whether or not to offer you an insurance quotation. You must take reasonable care to provide full and accurate answers to the questions we ask when you take out, make changes to and renew your policy. If you do not give us full and accurate information, we or your insurer may cancel your policy (or policies), refuse to pay any claim, pay only part of a claim, alter the extent of your cover or treat your policy as though it never existed. Also, your details may be added to the national Insurance Fraud Register.
You must tell us about any change in your circumstances (based on the answers you gave to our questions) which happens before or during the period of insurance.
It is important that you tell us about a change before it happens or as soon as you know about it. When you tell us about a change we will let you know if it will affect your insurance.
We may need you to provide us with documents as proof of information you have provided. This may include items such as:
- proof of previous insurance, e.g. no-claims discount
- copies of your driving licence
- your vehicle V5 document
If we do ask you for proof, your policy will be invalidated if you do not provide it to us in the time frame that we specify.
Proof of no-claims discount
What proof do you need?
If you take out a motor insurance policy with us, you must provide evidence of your no-claims discount when we ask for it.
Your proof of no-claims discount is usually contained within the renewal invitation or cancellation letter from your most recent insurer. We only accept proof from UK insurers and the proof must be written in English. For motor insurance, this has to relate to no-claims discount earned within the UK on a private car insurance policy.
The proof of no-claims discount must show:
- the number of years' no-claims discount you've earned;
- the date your last insurance policy ended; and
- any claims you have made.
We cannot accept the following as proof of no-claims discount:
- information relating to a policy which ended over two years ago;
- certificates of insurance;
- insurance quotations; or
- documents produced by an insurer from outside the UK.
If there has been a gap since your previous motor insurance ended, we will need a covering letter giving the reason for the break in cover.
We will not accept the same NCD on more than one policy at the same time.
If you have any difficulty in getting proof of your no-claims discount, please call us on 0344 335 555.
As we cannot return your proof of no-claims discount once we have used it for your policy with us, we recommend that you give us a copy of the document, not the original.
No-claims discount earned on company cars
Our insurers do not currently offer no-claims discount earned from driving a company car.
What happens if I don't provide proof of no-claims discount
If we do not receive proof which matches the no-claims discount you have told us about within 21 days from the date you buy the policy, we have the right to take either of the following actions based on the individual insurer rules which apply to your policy.
- Automatically take any extra premium, based on a lower no-claims discount, from the payment card you used to buy the policy.
- Cancel your policy. If we cancel your policy because we did not receive your proof of no-claims discount, you may have to pay a cancellation fee.
Our employees are not paid a sales commission, but instead receive a basic salary for selling insurance policies. In addition, they are offered bonus payments for meeting a range of targets that are measured using a balanced scorecard, that includes quality of service and personal conduct.
If you have a complaint
We are committed to treating our customers fairly and we continually aim to provide you with a first-class service. However, if you feel we have not done this, please tell us so that we can do our best to solve the problem as quickly as possible.
If your complaint is about a claim, please see your policy wording for details of who to contact and their complaints process.
Otherwise, to complain to us, please get in touch with us.
Email: firstname.lastname@example.org (Include the word 'Complaint' in the subject field.)
Phone: 0344 335 5555
Write to: Customer Relations, Sure Thing, 2 Parklands Avenue, Maxim 3, Eurocentral, Motherwell, ML1 4WQ
When you contact us, please provide the following information:
- Your full name, address, postcode, phone number and an email address if you have one
- Your policy number
- The reason for your complaint
- Any evidence you have to support your complaint
If you are still not satisfied when you receive our response, you can:
(a) refer your complaint to the Financial Ombudsman Service (FOS). They will then contact us on your behalf.
Write to: Financial Ombudsman Service Exchange Tower, London, E14 9SR Phone: 0300 123 9123. Email: email@example.com. Or
(b) submit a dispute for online resolution to the European Commission Online Dispute Resolution platform. You can find this platform and more information about it here: http://ec.europa.eu/consumers/odr
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations. This depends on the type of business and the circumstances of the claim. For insurance that you must have by law (for example, motor insurance), insurance advising and arranging is covered for 100% of the claim, without any upper limit.
You can get more information about compensation scheme arrangements from the FSCS by writing to them at:
7th Floor, Lloyds Chambers, Portsoken Street, London, E1 8BN.
Website content and use
The information, services and products on our website www.surething.co.uk are intended for people who live in the UK, the Channel Islands and the Isle of Man only. They are not meant for people living anywhere else.
Our website is designed to be accessed through its main product home pages and other pages, as we decide. If you access the site through individual pages direct, you may not see important information which you will need to fully understand the products and services we are offering.
Before buying any product or service, we will refer you to certain site pages which contain details of the relevant product or service and important legal or regulatory information, such as the terms and conditions of your purchase. It is your responsibility to read these pages.
We have the right to change the contents of our website, including these terms and conditions, at any time and without giving you notice.
If you have registered with us online, please take care to keep your log-in details and password confidential to prevent anyone else from accessing your Sure Thing account. You are responsible for all activities that happen in connection with your Sure Thing account, so it is important that you call us immediately if you suspect that anyone has accessed your account.
Due to the nature of the internet, we cannot guarantee that any emails you send us are secure. So, you must not send us confidential information by email, such as your credit-card or debit-card information.
All copyright, trademarks and other intellectual property rights in all material or content in any documents we provide, or which are part of our website belong to us or other companies who we have licensed to use it. You are allowed to use this material only if we give you permission to do so. You agree that the material and content in any documents we provide and on our website are only for your personal use. We do not allow you to use the material and content for any other purpose. You agree not to (and agree not to help anyone else to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create other documents using our material and content. Our website and any documents we provide, whether in hard (printed) or soft (electronic) copy, contain trademarks which belong to QMetric Group Limited. You do not have any rights relating to any of the trademarks.
We have taken all reasonable steps to make sure the information we provide on our website or elsewhere is accurate and complete. However, we do not guarantee that this is the case. Except as set out in these terms and conditions, all guarantees, conditions and other terms implied by law are, as far as this is allowed by law, excluded from your contract with us.
We accept no liability for any losses or damages (whether direct, indirect, special or otherwise) arising out of mistakes in (or details that are missing from) the information we provide on our website or elsewhere. We also do not guarantee that our website and services will never be interrupted. We will not be liable for any losses or damages which arise as a result of these being unavailable. Also, we are not liable for losses or damages which arise out of changes unauthorised third parties make to our website.
We aim to correct any mistakes as soon as possible. However, there may sometimes be an error in the price or type of product or service shown. If this happens we have the right to cancel any contract we have entered into with you and we will offer you a full refund.
When you access and use our website you do so at your own risk. We do not guarantee that using our website or downloading any material from it will not cause damage to any property (this includes loss of data or computer virus).
Nothing in these terms and conditions will exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules which we must keep to. Also, nothing in these terms and conditions will exclude liability for death or personal injury, or for fraud.
Our website contains links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. If you use these links or access the other websites, you do so at your own risk, and we make no guarantees regarding the content of those websites. We are not liable for any loss or damage which arises as a result of using any other website.
Jurisdiction and governing law
These terms and conditions are governed by and interpreted in line with the laws of England. Any dispute relating to any of our services, including use of our website, will be dealt with by the English courts.