Terms of Business

ClearMile is a trading name of Walsingham Motor Insurance Limited ("WMIL", "we", "us", "our"), registered in England and Wales, Company No. 08164227. Walsingham Motor Insurance Limited is an Appointed Representative of MGA Managers Limited, which is authorised and regulated by the Financial Conduct Authority – FRN 771791. Walsingham Motor Insurance Limited's FRN is 586279.

Registered Office: Northover House, 132a Bournemouth Rd, Chandler's Ford, Eastleigh SO53 3AL

ClearMile provides motor insurance for taxi and private hire vehicle drivers. When you buy a policy through ClearMile:

• We offer insurance underwritten by a single insurer, New India Assurance Company Limited. We do not search the market or compare quotes from other insurers, and we cannot offer you a choice of insurer for this product
• We do not give you a personal recommendation or advice about whether this policy is suitable for you
• It is your responsibility to check that the cover, limits, and excesses meet your needs. You should read the Policy Document and Insurance Product Information Document (IPID) provided with your quote before you buy

If you choose to pay for your annual insurance by Direct Debit instead of in full, you are applying for a finance agreement. ClearMile acts as a credit broker, not a lender, to arrange this on your behalf, and we introduce customers exclusively to Premium Credit Limited.

We do not charge you a fee for this introduction, but we do receive commission from Premium Credit Limited for credit broking arrangements with our customers. Paying by instalments will incur additional fees and interest, meaning you will pay more in total than if you paid annually in full. Full details are set out separately at the point you choose to pay monthly.

We may receive income in connection with policies arranged through ClearMile, which can include:

• Commission from the insurer for arranging your policy
• Fees for arranging your insurance and managing your account
• Commission from Premium Credit Limited where you choose to pay by instalments

This income is separate from, and does not increase, the premium you are quoted. Further information about our remuneration is available on request.

We act as agent of the insurer for the purposes of collecting premiums and handling refunds. This means that once you pay us, your premium is treated as if it has been paid directly to the insurer. Premiums are held in a bank account designated for this purpose, which is operated by our regulatory principal, MGA Managers Limited, on behalf of the insurer.

You have the right to cancel your policy within 14 days of the start date of your policy, or the date you receive your policy documents, whichever is later, without giving any reason.

• If you cancel within this period and have not made a claim, you will receive a full refund of premium, less a charge for any time you have been on cover and any applicable administration fee
• If you cancel outside this period and have not made a claim, we will refund the premium for the exact number of days left on the policy less an administration charge of £50.00
• If you are paying by instalments, cancelling your policy will also end your finance agreement with Premium Credit Limited, and any amount owed to them will become due
• In the event of a claim occurring during the period of insurance we will retain the full annual premium

If you are unhappy with any part of our service, please contact us so we can try to put things right. We can be contacted by either writing to:

The Chief Executive,
Walsingham Motor Insurance Limited
Northover House,
132a Bournemouth Road,
Chandler's Ford,
Eastleigh,
SO53 3AL

Or by emailing: complaints@walsinghamunderwriting.com

If we are unable to resolve your issue immediately we will contact you within three working days of receipt to acknowledge your complaint and tell you what we are doing about it. We will provide you with our final response no later than eight weeks from receipt unless it has been possible to finalise our investigation and response earlier.

If however, you feel the problem is still not resolved to your satisfaction and depending on your circumstances, you may be able to refer your complaint to the Financial Ombudsman Service ("FOS").

Website: www.financial-ombudsman.org.uk
Telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we, the insurer, or Premium Credit Limited cannot meet our obligations to you, depending on the circumstances of your claim.

Details of how we collect, use, share, and protect your personal information are set out in our Privacy Notice, available at: www.clearmile.co.uk/privacy

This Terms of Business document, and any policy arranged through ClearMile, is governed by the law of England and Wales, and the English courts will have exclusive jurisdiction over any dispute. All communications with you will be in English.

Phone: 0800 229 4946
Email: contact@clearmile.co.uk
Website: www.clearmile.co.uk