Terms of Business

AutoSaint Insurance (AutoSaint) is part of the Fresh Insurance Services Group Ltd (Fresh Insurance). These Terms of Business are to be read in conjunction with the Telematics terms and conditions for your insurer, our Privacy Policy and your insurer’s Policy Wording, Key Facts, Schedule and Statement of Facts

1.  Who authorises and regulates us? Fresh Insurance Services Group Ltd of Ladybird Suite, Burnt Meadow Road, North Moons Moat, Redditch, B98 9PA is authorised and regulated by the Financial Conduct Authority. Our registration number is 306202. This may be verified on Financial Services Register by visiting the FCA’s website, register.fca.org.uk or by contacting the FCA on 0800 111 6768.
2.  Whose products do we offer? We offer products from a panel of insurers for motor insurance and from single insurers for other optional add-on contracts including, windscreen replacement, vehicle breakdown, excess protection and key replacement cover. Details of all insurers used can be provided on request. Our Bronze Accident Management Service is provided with all motor policies and can be upgraded to our Platinum Accident Management Service. Accident Management Services are offered from a single provider and are not regulated by the Financial Conduct Authority nor covered by the Financial Ombudsman Service, nor the Financial Services Compensation Scheme.
3.  Which services will we provide you with? You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
4.  What to do if you have a complaint? If you wish to make a complaint, please contact us via email: autosaintcs@fresh.co.uk OR telephone 0344 557 8401 or write to Complaints Department, Fresh Insurance Services Group Ltd, Ladybird Suite, Burnt Meadow Road, North Moons Moat, Redditch, B98 9PA . If you cannot settle your complaint with us, you may be entitled to refer it, free of charge, to the Financial Ombudsman Service (website: financial-ombudsman.org.uk). Full details of our complaint handling procedures are available upon request.
5.  Are we covered by the Financial Services Compensation Scheme (FSCS)?  We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about the compensation scheme is available from the Financial Services Compensation Scheme.
Fees & Charges
Our professional charges are as follows – all of these are separate and in addition to any change in the insurance premium, insurer charges or finance change:
Arranging a new policy or a renewal £30 plus up to 20% of the insurer's premium.
Mid-Term Alteration to your policy (includes change of address, change of cover, purchase of additional mileage etc £60 See also Instalment Payments below.
Cancellation charges See “Cancellation of policy prior to fitting” and Cancellation of Policy section
Dishonoured payment admin charge £10 (charged if we administer the defaulted payment)
Debt collection admin fee £45 (charged where we have to pass your account to a debt collection agency)
Provision of hard copy documents £10 to cover administrative costs, printing and postage
Fees & Charges relating to the Autosaint Box
Cost of installing AutoSaint Box and initiating the data feed. Ownership of the AutoSaint Box remains with our service partner. Charge non-refundable once AutoSaint Box is fitted. £183.50 for new policies. £168.50 where a change of vehicle requires new box OR box is fitted after passing driving test.
Customer request to remove AutoSaint Box (ONLY possible if the insurance policy is no longer in force) £78
Failure to attend or cancellation of installation appointment £60
AutoSaint Box data charge (only payable at renewal) £60.00 non refundable
Cancellation of Policy
If you wish to cancel your policy please telephone our Customer Services Department on 0344 557 8401 or email autosaintcs@fresh.co.uk in the first instance. They will advise you of the process required for your insurer or can help you look for alternative cover if appropriate.  Cancelling your instalment plan DOES NOT cancel your policy, and the payments made to date are unlikely to cover costs in the event of cancellation. Any remaining balance can be cleared in one payment or you must continue with the instalments until it is cleared. We will withhold proof of any No Claims Bonus until the balance is paid. Cancellation fees and costs apply whether the policy is cancelled by you or us, regardless of reason. If there has been ANY claim, the full premium will be payable with no refund due. Refunds of less than £10 will be retained by us due to the administrative cost of returning these. We may communicate any cancellations by email, so please ensure the email address you provide us with is correct and kept up to date. Optional add-ons are also cancelled if the main motor policy is cancelled.
Within the first 14 days or before the policy starts
You have the right to cancel within 14 days of when you purchase your new policy, or from when you receive your policy documents, whichever is later, and within 14 days of renewal date for renewed policies. The insurers will pay a pro-rata refund of premium, subject to a minimum charge, and we will refund any policy set-up charges. We will deduct a cancellation fee of up to £60 from the total refund to cover our costs. Fees noted above relating to the AutoSaint Box will also apply.
Day 15 onwards
There will be a charge for the time you have been covered by your insurance. Full details of this can be found in your policy booklet. We will then refund any amount we owe to you after deduction of our fees. 
We will charge our cancellation fee of up to £60 and reclaim our commission at 10% of the premium returned from the insurer (charge waived if you replace the policy through us). Premiums for optional add-on products such as breakdown, our Platinum Legal Policy and key replacement are non-refundable after the 14 day cooling-off period.
Young and inexperienced drivers
If you are aged under 25, or have held a full UK/EU Driving Licence for less than 12 months then additional excesses will apply. Please refer to your policy booklet for full details.
Markerstudy Policies ONLY – You may receive a discount where you have recently passed your driving test but have owned your car for 60 days or more and had insured this whilst holding a provisional licence. We may have to remove this discount if we subsequently establish that you do not meet the insurer’s criteria. 
Instalment payments
We act as a credit broker and you can spread your premium with an initial deposit and ten further monthly instalment payments. In the event of a claim, instalments MUST continue to be paid until the FULL premium and charges have been settled. Credit is subject to status and credit searches and if your application is declined the premium will become payable in full. You may contact us to cancel your credit agreement without penalty within the first 14 days, but the insurance premium will become immediately payable in full.  We will receive a commission from Premium Credit for referring you to them – details are available upon request. Premium Credit will send you a credit agreement, you must sign this to prevent a £10 charge being added, so just remember to do that when you receive it. You can set up a Premium Credit account online or download the ‘My Premium Credit’ app to do this.
We may add any additional costs incurred throughout the policy to your outstanding balance and this will be split across your remaining payments. If we cannot add the costs of any Mid-Term Alterations to your instalment plan these must be paid at the time of the change. Finance is provided by Premium Credit Limited and is the cheapest available to you. Please ask for details. 
Who do we act for?
We act as your agent for sourcing and placing insurance business and in the event of you notifying a claim to us. We will act as the insurer’s agent for the purposes of cancelling the policy, collecting or refunding premiums or as otherwise informed.
Referrals from other brokers
We may make a payment to any referring broker if you take a policy out with us. This will not affect your premium.  Details are available upon request.
No Claims Bonus Protection (where available)
No claims bonus is applied as a percentage discount to your insurance premium. In protecting your no claims bonus you are protecting this percentage discount, not the overall price of the policy. Should you make a claim against your policy whilst no claims protection is in force, your renewal price may still increase.
Protecting your money
We hold your premium (payment or refund) in a trust account as agents of the insurer. It is considered as being held by the insurer whilst in this account – this is known as ‘risk transfer’. While it is in the account, your money cannot be used for any purpose other than paying the insurers or any brokers through whom we may have arranged your insurance, or in the case or premium refunds, returning the money to you. Any interest earned on the account is retained by us.
Accuracy of information
You must provide us with honest and accurate information to the questions we ask and inform us of any changes to the information previously supplied. If you withhold information or answer questions dishonestly you may have your cover reduced, be charged a higher premium, have your policy cancelled or voided and any claims may not be paid.
Continuing payments
By accepting these terms and conditions you (or the cardholder if this is not you) also agree that we may retain the card details and use these to take any additional premiums, cost or charges relating to the policy until you state otherwise. This will apply even if the card does not belong to you. You will always be informed before we try to take any funds from the card so you must make sure the cardholder is informed if they are a third party.
Renewal of your policy
Insurers do not provide a period of grace to renew your policy.  You must contact us in good time prior to your renewal to ensure continuous cover is in force.
Use of your personal data - Fraud prevention, detection & claim history.
Your details will be held on our system to assist with the administration of your policy and will also be passed to your insurers. We and they may share it with other insurers and fraud prevention agencies including the police and credit reference agencies. We and other organisations may also search these agencies and databases to help make decisions about the provision and administration of insurance, credit and related services for you and members of your household; trace debtors or beneficiaries; recover debt; prevent fraud; manage your accounts or insurance policies and check your identity in order to offer you the most competitive premium. Full details of what data we hold about you and how this is used can be found in our Privacy Policy which should be read in conjunction with this document.

Use of driving licence data.  
If you and/or any named driver provide us with your Driving Licence Number(s) (DLN), you/they consent to us accessing information about the licence status, entitlements and restrictions and any endorsements/convictions from the DVLA both now and at renewal. This information will ONLY be used by us or passed to authorised third parties for the administration of your insurance policy. For information about driving licence data please visit gov.uk/view-driving-licence.
Privacy Policy.
By accepting these Terms and Conditions you also accept our Privacy Policy which is available online at https://www.fresh.co.uk/privacy or upon request.
What data is captured by the AutoSaint Box and how will we and the insurer use this?
The AutoSaint Box will record information about how, where and when the vehicle is driven from the date it is installed. Full details of what data is captured and how this is used can be found in our Privacy Policy which should be read in conjunction with this document.
Governing law
The laws of England and Wales govern this agreement and any dispute is subject to the jurisdiction of the English courts