Car Insurance
Car Insurance
Car Insurance Car Insurance
Contact us:
01962 844848

From 1st Oct 2023   Before 1st Oct 2023

Terms of Business (from 1st Oct 2023)

Applying to General (Consumer) & Commercial (Non-Consumer) Insurance clients

About Us and Regulation

City Insurance Group is an Independent Insurance Intermediary and is a trading style of City Broking Ltd (No. 7184645) registered in England and Wales. Registered Office: 88/89 High Street, Winchester, SO23 9AP, England. No shares in the company are held by Insurers. City Broking Ltd is authorised and regulated by the Financial Conduct Authority (No. 520574) to advise on, arrange, deal in, and assist in the administration and performance of general insurance contracts. We are also permitted to provide credit broking services. You can check this on the FCA’s register by visiting the website or calling them on 0800 111 6768.

What We Do and Client Classification

In most matters, we act on behalf of our clients, other than for the collecting and holding of premiums, in which instance we are acting on behalf of the insurer.

We offer a wide range of insurance products covering Personal Clients (Consumer) and Commercial Clients (Non - Consumer) and services which may include: advising on insurance needs, offering, and arranging suitable insurance cover with insurers to meet requirements, helping with any subsequent changes to insurance policies and providing all reasonable assistance with claims.

For clarity, a consumer is a client who is acting outside of their trade or profession in respect of the insurance cover requested or arranged. A commercial client is a person or entity who is not a consumer.

We will advise and make a recommendation for you after we have assessed your needs and demands, providing sufficient information such as the main features of the product’s cover, any unusual restrictions or exclusions and any significant conditions or obligations

Quotations will be provided based on a fair analysis of the market (offering policies from a wide range of insurers in the market). With the exception of travel insurance, for which we only use a limited number of markets (Sunworld and PJ Hayman) and our optional additional covers which are offered by one insurer only.

Your Duty of Care (Consumer Clients only)

It is your duty to take reasonable care not to make a misrepresentation to an insurer. A failure by you to comply with the insurer’s request to confirm or amend particulars previously given is capable of

being a misrepresentation. It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate and we recommend you keep a copy of all correspondence in relation to the arrangement of your insurance. An insurer has a right to

remedy against you in respect of qualifying misrepresentations in breach of your duty of reasonable care where the insurer deems the misrepresentation to be either deliberate, reckless or careless. This could include enforcing cancellation with charges applying, the cover being invalidated and the annual premium retained and/or potentially lead to claims being unpaid. If you are in doubt about any point in relation to your duty to take reasonable care and subsequent qualifying misrepresentations, please contact us immediately.

Fair Presentation of Risk (Commercial Non-Consumer Clients only)

It is your responsibility to provide a fair presentation of the insurance risk based on you conducting a reasonable search for information. This could require you to obtain information from senior managers within your organisation or other parties to which the insurance relates or who carry out outsourcing functions for your business. You must disclose every material circumstance which you know or ought to know, or failing that, disclose sufficient information to put your insurer on notice that it needs to make further enquiries. You must ensure that any information you provide is correct to the best of your knowledge and representations that you make in expectation or belief must be made in good faith. If you fail to make a fair presentation of the risk this may result in additional terms or warranties being applied from the inception of the policy or any claim payment being proportionately reduced. In some cases, this could result in your policy being declared void by an insurer and your premiums returned. Any deliberate or reckless breach of the duty of fair presentation could result in your policy being declared void by an insurer with no refund of the premium. If you are in doubt about any point in relation to material circumstances and reasonable search, please contact us immediately.

Limitations and Exclusion of Our Liability

The following provisions set out our entire financial liability to you.

You acknowledge and agree that you shall only be entitled to make a claim against us and not against any individual employee or consultant engaged by us. Our liability for losses suffered by you arising under or in connection with the provision of our services, whether in contract, tort (including negligence), breach of statutory duty, or otherwise (including our liability for the acts or omissions of our senior management, employees and any appointed representatives) shall be limited to £2.5M per claim. Any claim or series of claims arising from one act, error, omission, incident, or original cause shall be considered to be one claim. We shall not be liable to you for any loss of profit or loss of business whether directly or indirectly occurring and which arises out of or in connection with the provision of our services. Nothing in this paragraph shall exclude or limit our liability for death or personal injury caused by our negligence or for loss by our fraud, fraudulent misrepresentation or breach of regulatory obligations owed to you. You are welcome to contact us to discuss increasing the limitations of our liability and or varying the exclusions set out above.

Confidentiality and Data Protection

We are a data controller for the information you provide to us including, identification and financial details, policy history and special category data (such as medical or criminal history). Details of our legal basis for processing your information, along with details of any third party recipient whom it may be necessary to share your personal data with to fulfil the contract, retention period for data held, security of your data, your rights under the UK General Data Protection Regulations (UK GDPR) including the right to complain can be found in our full ‘Privacy Notice’ attached to these Terms and/or on our website at

Solvency of Insurers

We cannot guarantee the solvency of any insurer with which we place business. This means that you may still be liable for any premium due and not be able to recover the premium paid, whether in full or in part, should an insurer become insolvent.

Financial Crime

Please be aware that current UK money laundering regulations require us to obtain adequate ‘Know Your Client’ information about you. We are also required to cross-check you against The Office of Financial Sanctions Implementation (OFSI) HM Treasury consolidated list of Financial Sanctions Targets in the UK as part of the information gathering process.

We are obliged to report to the National Crime Agency and/or Serious Fraud Office any evidence or suspicion of financial crime at the first opportunity and we are prohibited from disclosing any such report. We will not permit our employees or other persons engaged by them to be either influenced or influence others in respect of undue payments or privileges from or to insurers or clients.

Terms of Payment

Our payment terms are as follows (unless specifically agreed by us in writing to the contrary):

All premiums are due to be paid immediately.

If payment is not received from you in accordance with the above terms, we, or your insurer may cancel or lapse the relevant policy/policies, which could mean that part or all of a claim may not be paid. You may also be in breach of legally required insurance cover.

If you choose to pay for your insurance premium using a finance provider, your details will be passed on to them. We will provide you with a breakdown of the costs and you will receive detailed information from the finance provider. It is important that you take time to read this document and you must contact us if you do not receive this. If you have any queries or questions, either about the service provided by the finance provider or their terms and conditions you should in the first instance contact them. Where your policy is paid via the finance provider and you choose to renew your cover a renewal or new plan will be entered into. If any direct debit or other payment due in respect of any credit agreement you enter into to pay insurance premiums is not met when presented for payment or if you end the credit agreement, we will be informed of such events by the finance provider. In certain circumstances, we may be contractually obliged by the finance provider to notify your insurer to cancel the policy.

Where we are not contractually obliged to do so by the finance provider, if you do not make other arrangements with us to pay the insurance premiums you acknowledge and agree that we may, at any time after being informed of non-payment under the credit agreement, instruct on your behalf the relevant insurer to cancel the insurance and to collect any refund of premiums which may be made by the insurer and use this refund to offset the amount levied by the finance provider on us. If this amount is not sufficient to cover all our costs, we reserve the right to pursue any additional debt owed to us through a due legal process.

You will be responsible for paying any time on risk charge and putting in place any alternative insurance and/or payment arrangements you need. Upon receiving your strict acceptance to pay for insurance premiums through the finance provider, we will instruct them to proceed with your application for credit. This process will involve the provider searching public information that a credit reference agency holds about you and any previous payment history you have with that provider. The credit reference agency will add details of your search and your application to their record about you whether or not your application is successful.

Please read carefully the pre-contractual explanations and the information regarding the cost of credit (including any representative examples). Together they provide important information in relation to the credit facility available from the finance provider. Credit is available subject to status. We are authorised and regulated by the Financial Conduct Authority in respect of Consumer Credit.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS) and you may be entitled to compensation from the scheme if we should be unable to meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about the compensation scheme is available from the FSCS by phone 0800 678 1100 or via their website


It is our intention to always provide you with the highest level of customer service. However, we recognise that things can go wrong occasionally and if this occurs, we are committed to resolving matters promptly and fairly. Should you wish to complain you may do so by; writing to our Complaints Manager, Mike Cose, calling on 01962 844848 or emailing Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request, by calling them on 0800 023 4567 or on their website Further details will be supplied at the time of responding to your complaint.

Fees, Charges, Cost and Remuneration

Charges form part of our earnings to be able to offer clients professional advice and to cover high operational costs including compliance in a highly regulated market. In most cases we are paid commission from an insurer, this can vary, but in some circumstances, we may charge you a fee instead of commission or a combination of both. There may also be occasions when an additional fee is sought, for example, changes to the risk that required significant further advice or work and placement of additional coverage or substantial involvement in any large, difficult, or complex claims.

Our fees will be confirmed to you clearly and in writing at the time of incepting or renewing your policy and will always be disclosed to you before you commit to purchasing the product. In addition, we also make charges as detailed below to cover the administration of your insurance. Any applicable insurance premium tax will be shown on the documentation we provide to you.

Administration fees, broker fees and any additional charges are non-refundable & will apply in addition to any charge your insurer may make.

Standard Fees


We will get paid a commission from an insurer, this amount will vary, when this falls less than 20%, we will charge a fee so our commission/fee income is standardised at an acceptable amount. In addition to that we will charge standard fees shown below. Any fee will be notified to you before you procced and accept cover.
New Business £35
Renewal £35
Mid – Term Adjustments £35

Non-Consumer Client

New Business , Renewals & Mid Term Adjustments
Premiums Up to £500 £35
Premiums Ranging From £501 - £1000 £50
Premiums Ranging From £1001 - £2500 £75
Premiums over £2500 Fee Depending on Amount of Work Required. Fee Advised at the Point of Quote

We reserve the right to increase our charges in certain circumstances, where the work we do for you is different to that which we had anticipated and or to include additional complexity or in an express manner required. We will discuss with you any intention to increase our charges before making the increase.

Premiums shown on our website will be inclusive of our charges and any fee and may include discounts from time to time.

We may occasionally receive additional remuneration from insurers, claims management providers and others. Where you choose to pay your premium in instalments, we will use a single Finance Provider. Currently, we use Close Brothers Premium Finance for this purpose. Where we arrange premium finance on your behalf, we are remunerated for our assistance in putting this financing in place by way of commission. You are entitled at any time to request further information regarding the amount of remuneration which we may have received as a result of placing or renewing your insurance cover.

Cancellation of Your Insurance

Your policy document will detail your rights to cancel your insurance once you have taken it out. For Consumers, you are entitled to cancel within 14 days of receiving your documentation, known as the cooling off period. A charge will made by the insurer shown on their documentation. Please see the table below covering our charges. Please be aware that some insurers do not allow any refunds or may charge short-period cancellation rates.

We reserve the right to cancel your policy at any time for any reason by giving 7 days’ notice. Cancellation notices will be sent to the last known email address you provided. In the absence of an email address, we will write to your last known address. Immediate cancellation may also be enforced in the event a policy is declared null and void from inception.

If a policy is cancelled after the 14 days’ Cooling off period (or for Non-Consumers) we will retain the amount of commission/fee commission earned at the new business stage or the last renewal along with the administration fee shown below

If a discount was applied when you took out your policy, it will be deducted from any return premium.

If a claim is notified during the period of insurance and deemed to be fault (a claim against the policy where your insurer will make a payment to you or a third party and they are unable to make a recovery of their outlay), the premium must be paid in full and/or if you are paying by instalments the payments must be continued until the loan is paid in full. No refund of premiums will be allowed.

If you have selected any of the valuable additional services (e.g., Motor Legal, Breakdown, Excess Protection, Family Legal or Home Emergency) these are non-refundable after the 14-day cooling off period. There will also be no refund if a claim has been reported against these products within the cooling-off period.

Consumer - Cancellation Fees (applied whether cover has started or not)

Cancellations within the cooling off period £50
Cancellations after the cooling off period £75

Commercial Non-Consumer - Cancellation Fees (applied whether cover has started or not)

Commercial – Non-Consumer £75

If during your application or subsequent validation process, your policy has to be cancelled by us (whether the cover has started or not) due to incorrect information being provided or undisclosed information withheld, we will charge £75.00 in addition to insurer charges. We need to validate answers for anti-fraud measures and to ensure you are correctly covered. Key information about identity and history will be checked by us and your Insurer.

A charge of £95.00 will apply if you fail to reply to requests for information and we have cancelled your policy following a seven-day cancellation notice. We may elect to make your policy Null and Void from inception.
If during our checks, we believe fraudulent activity and or quote manipulation has taken place, we reserve the right to retain any premium/deposit paid and we may alert the relevant authorities.


You will be provided with renewal terms in good time before the expiry of the policy or notified that renewal is not being invited. Unless you advise otherwise, renewals are invited on the basis that there have been no changes in the risk or cover required, other than those specifically notified to us or your insurers (see the “Your Duty to Provide Information” and “Fair Presentation of Risk” sections) It is very important that you check the information provided at renewal to confirm it remains accurate and complete. If any of the information is incorrect or if your circumstances have changed, you should contact us immediately so we can update your details.

Mid-Term Transfer or Change of Agency

When we are appointed to service insurance policies other than at their inception or renewal and which were originally arranged via another party, we shall not be liable during the current insurance period for any loss arising from any errors or omissions or gaps in your insurance cover or advice not supplied by us.

Should you have any concerns in respect of a policy, which has been transferred to us, or if you require an immediate review of your insurance arrangements, we reserve the right to charge an appropriate fee if the work involved is outside of the usual remit. This fee would be advised to you as soon as possible, usually in advance.

Notification of Incidents/Claims

For motor claims, please call us directly on 0345 017 9962.This service is operated 24 hours a day and operated on our behalf by Winn Accident Management & Solicitors. If an accident is not your fault, they will deal with your claim directly against a third party. Please refer to the Legal Fees section.

For all other classes of business, please refer to the policy and documentation we sent you specifically.

It is essential that you notify us immediately of all incidents which may result in a claim under your insurance policy whether you believe you are liable or not. Any letter or claim received by you must be passed to us immediately.

Legal Fees Service

If you have purchased this valuable extra service and you are involved in an accident that is not your fault, this service can assist you with the recovery of uninsured losses and cover you for legal fees up to £100,000. This may include a replacement vehicle whilst yours is off the road being repaired, compensation for any personal injury sustained and the recovery of associated costs. If you have not purchased cover, you can still benefit from using our claims service in the same way, However, an "after the event insurance policy" will need to be purchased and a deduction of 25% from any personal injury claim will be made to cover legal and running costs. Full details will be provided should you need to use this service. Third-party insurance details must be obtained. This service is operated on our behalf by "Winns Accident Management & Solicitors" and they shall be responsible for the final decision of acceptability. For all other insurance classes, legal cover may be available for an additional cost. Full details are available on request

How We Hold Your Money

Any money we receive and hold on behalf of our clients, such as premium payments and premium refunds, will be held by us on behalf of the insurer with whom we arrange your policy as their agent. This means that when we have received your cleared premium, it is deemed to have been paid to the insurer. Occasionally we do not have such arrangements with an insurer, and (in those cases) we will discuss with you how to proceed. All client monies, including yours, will be held in a trust account, the purpose of which is to protect you in the event of our financial failure. We hold all client monies with an approved bank, in a Non-Statutory Risk Transferred/Insurer Money Trust account in accordance with the FCA client money rules. No interest earned on these monies received will be remitted to you.

Third Party Rights

Unless otherwise agreed between us in writing, no term of this Terms of Business is enforceable under the Contracts (Rights of Third Parties) Act 1999.


This Agreement, which sets out our Terms of Business with you, will be governed by and construed in accordance with English Law. If any provision of these Terms is found to be invalid or unenforceable in whole or in part, the validity of the other provisions of these Terms and the remainder of the provision in question will not be affected. These Terms shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the exclusive jurisdiction of the relevant court. These Terms supersede all proposals, prior discussions and representations (whether oral or written) between us relating to our appointment as your agent in connection with the arranging and administration of your insurance. These Terms constitute an offer by us to act on your behalf in the arranging and administration of your insurance. In the absence of any specific acceptance communicated to us by you (whether verbal or written) you are deemed to accept our offer to act for you on the basis of these Terms, by conduct, upon your instructing us to arrange, renew or otherwise act for you in connection with insurance matters.


cheap car insurance  Car - 0345 017 9795
cheap van insurance  Van - 0345 017 9792
cheap motorbike insurance  Motorbike - 0345 017 9795
cheap home insurance  Home - 0333 0151509
cheap let property insurance  Let Property - 0333 0151508
cheap business insurance  Business - 0333 0151507
cheap travel insurance  Travel - 0333 0151516

City Insurance Group
88-89 High St
SO23 9AP
Tel: 01962 844848


Useful Info

Contact Details
About Us
Policy Documents
How to Claim
Driving Abroad - Brexit
Optional Extra Cover
Car & Van Breakdown Cover
News and Articles
Existing clients - FAQs
Latest News and Blogs

Green Card update and new driving laws
Read full article

Motor Update: Biggest fuel rise in 5 years – how to find cheaper fuel and improve fuel efficiency
Read full article

More than 90,000 drivers on the brink of losing their licence
Read full article

Scam Alert - Drivers warned of fraudulent DVLA messages
Read full article

The Best Types of Smart Home Security Device
Read full article

Covid-19 Motor Update: Car Dealerships set to reopen
Read full article

Thefts and Burglaries on the rise
Read full article

Van Insurance Guide and How to Reduce Your Premium
Read full article

Drink-driving related deaths highest in 10 years
Read full article

cheap car insurance

cheap van insurance

cheap motorbike insurance

cheap home insurance


cheap let property insurance

Let Property
cheap business insurance

cheap travel insurance


Service Excellence Since 1989

Site Links

Useful Links
City Insurance Group is a trading style of City Broking Ltd (No 7184645) Registered in England and Wales. Registered Office: 88/89 High Street, Winchester. SO23 9AP England. Authorised and Regulated by the Financial Conduct Authority (No 520574)