About our

insurance services.
Who are we?
VitalityCar is a trading name of Vitality Corporate Services Who regulates us
Limited, a company registered in England and Wales Vitality Corporate Services Limited is authorised and
(registered number 5933141) whose registered office is at regulated by the Financial Conduct Authority (FCA). Our
3 More London Riverside, London, SE1 2AQ. Firm Reference Number is 461107. We are permitted by
the FCA to act as a general insurance intermediary and
Vitality Corporate Services Limited is a wholly owned
credit broker.
subsidiary of Discovery Holdings Europe Limited.
You can check the authorisation on the Financial Conduct
The service you will receive Authority’s website: https://register.fca.org.uk
You will not receive advice or a personal recommendation
regarding the sale or suitability of a specific insurance Our adminstration charges
Covea Insurance plc, who underwrite and administer this
plan(s). We may ask you some questions to narrow down
plan, will apply administration charges in the following
the selection of products that we can offer. We will provide
cases:
you with sufficient information in order for you to make an
informed decision on whether the specific insurance plan(s) Your car insurance plan is cancelled inside
meet(s) your insurance requirements. the 14 day cooling off period, or at any time £25
following renewal
Our services to you may include (but are not restricted to):
Your car insurance plan is cancelled outside
arranging insurance plan(s) with insurers, helping you to of the 14 day cooling off period in your first £55
make changes to your insurance plan(s), providing year of insurance with us
assistance to you when submitting a claim and any other You make any other changes to your plan £0
related services.

In certain circumstances, insurers may have delegated

authority to us to carry out certain activities, such as binding What to do if you have a complaint
risks, administering plan(s) and issuing documents. In these If you are unhappy with the service that VitalityCar have
circumstances we will be acting as agent of the insurer. provided then please contact as follows:
If your complaint relates to your car plan details and
Whose products we offer
administration, or our claims service:
We will provide you with information on private car
Phone: 0345 026 0010
insurance cover, motor legal protection insurance cover
and replacement car insurance cover provided by Covea Email: [email protected]
Insurance plc only. In writing: VitalityCar
We have chosen RAC Motoring Services to be the sole A&B Mills, Dean Clough, Halifax, HX3 5AX
provider of breakdown insurance cover. For anything else, including your rewards, good driving
sensor, or the Member Zone:
How we are remunerated Phone: 0161 216 7489
You do not need to pay us any individual fee or Email: [email protected]
commission for arranging this plan. We may receive a profit
In writing: VitalityCar
share from the insurer in recognition of the overall
Distribution Compliance Hub, St Christopher House, 217
performance of the VitalityCar account. Wellington Road South,
Stockport, Cheshire, SK2 6NG
If you cannot settle your complaint with us, you may be
entitled to refer it to the Financial Ombudsman Service How is your money handled
(FOS):
We do not hold money either paid by you to be passed on to
For more information about this service, please visit their your insurer or paid to us by your insurer to be passed on to
website at www.financial-ombudsman.org.uk or by you.
contacting them directly on 0800 023 4567
All premiums are paid directly to the insurer and all monies
The Financial Ombudsman Service, Exchange Tower, paid by the insurer are processed directly back to the plan
Harbour Exchange, London, E14 9SR member.

Cancellation When you take out a new plan

If you want to cancel your car insurance plan within 14 days The premium that you pay when you take out a new plan is
you will be refunded for the exact number of days left on calculated based on current rates. Your premium may increase
the plan, less an administration charge of £25. This will also at renewal next year and subsequently thereafter.
apply if you want to cancel the plan within 14 days after the
renewal date. If you cancel the plan at any other time you Your car insurance plan documentation
will be refunded for the exact number of days left on your You will receive written terms and conditions of any insurance
plan, less an administration charge of £55 if this is the first plan we arrange for you. Please check these documents and
year of insurance, or £25 if your plan is cancelled at any advise us as soon as reasonably practicable if the terms of the
time after renewal. cover are not in accordance with your requirements.
If you have chosen to pay by instalments you must continue You may be asked to send proof of your No Claims Discount (if
to pay your monthly direct debit. You will be refunded any you have one) within 14 days of your plan start date. You can
overpayment less an administration charge of £55 if this is provide this by:
the first year of insurance with us, or £25 if your policy is
cancelled at any time after renewal. • Uploading your proof on the Member Zone at
www.vitality.co.uk/member/my-car-insurance/documents;
If a claim has been made by you or against you, you will not or
receive any refund. You may cancel the plan by calling
• emailing a copy to [email protected]; or
0345 026 0010, or email [email protected] or writing to
VitalityCar, PO Box 905, Halifax, HX1 9WB. • posting it to: VitalityCar
PO Box 905, Halifax, HX1 9WB
If you want to cancel your replacement car cover and/or
motor legal protection cover within the first 14 days, a full If you choose to send this information to us by email, there are
refund will be given. After 14 days, no refund will be due. some security measures that you should consider. To find out
We will also do this if you want to cancel within 14 days after more about these measures, please visit
the renewal date. www.vitality.co.uk/data-protection. If you’re unsure if you can
securely send us an email, it is always safer to send the
If you want to cancel your breakdown cover within the first
documents to us by post.
14 days, a full refund will be given. After 14 days, a pro-rata
refund of premium will be due if no claims have been We may also need to get in touch with you after you have taken
made. If any claims have been made then no refund will be out your policy to validate some of the information you have
given. provided.
Consequences of failing to provide proof of your no claims
Your rights under the financial services compensation
bonus or of other information for validation upon request, or
scheme (FSCS)
providing proof that is different to the information that you
We are covered by the Financial Services Compensation
provided when applying for a quote, include:
Scheme. You may be entitled to compensation from the
scheme if we cannot meet our obligations. Whether or not • the price of your plan may change; or
you are able to claim and how much you may be entitled to • your plan may be cancelled; or
will depend on the specific circumstances at the time. For
further information about the scheme please contact the • your plan may be treated as if it never existed, meaning any
FSCS at; www.fscs.org.uk or on 0800 678 1100 or you can claims wouldn't be paid.
write to them at:
Financial Services Compensation Scheme Limited, Head
Office, 10th Floor, Beaufort House, 15 St Botolph Street,
London, EC3A 7QU.

2
Conflicts of interest
Circumstances may arise where we have a conflict of
interest between us (including our managers, employees or
agents) or another of our group companies and you, or
between you and another of our clients.

We always aim to treat you fairly and avoid conflicts of

interest. We never deliberately put ourselves in a position
where our interests, or our duty to another party, prevent
us from discharging our duty to you. In the event that we
are unable to mitigate the conflict of interest we will always
disclose this to you.

Data protection – how your personal information may

be used
The personal information that you provide will be used to
prepare a quote for your insurance plan(s). We will use your
personal information to contact you in relation to your
quote should we have any queries.

Our Privacy Policy can be located at:

vitality.co.uk/privacy

Find out more.

For more information please visit
vitality.co.uk/car

VitalityCar is a trading name of Vitality Corporate Services Limited. Registered number 5933141. Registered in England and Wales. Registered office at 3 More
London Riverside, London, SE1 2AQ. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. Calls may be
recorded/monitored to help improve customer service. Call charges may vary.

VM819A 04.22 | J4047_ VHA_O_0007