Learner Driver Insurance Terms of business agreement

This document explains what we can expect from each other, who we are, how we work and what we will need from you.

Please give it a careful read and let us know if you do not understand anything or have questions or concerns by contacting our Customer Services Team on 01727 222777 or by email to help@thegreeninsuer.com. Unless you do this, by using our services you will be confirming that you are happy and agree to everything in this agreement.

About us

The Green Insurer is a trading name of The Green Option Limited, registered office 2 Adelaide Street, St Albans, Hertfordshire, AL3 5BH, and our company number is 14446809. When we refer to ‘us’, ‘we’ and ‘our’ it means The Green Insurer.

We are an insurance intermediary authorised and regulated to arrange and administer insurance by the Financial Conduct Authority (FCA). Our Firm Reference Number is 998384 and can be checked by visiting the FCA's website or by contacting them on 0800 111 6768.

Our service

We have partnered with KGM Underwriting Agency Limited (underwritten by Zurich Insurance Company Limited) to create a learner driver car insurance offering that enables learner drivers to offset your carbon emissions and earn rewards for driving more sustainably. Once you have registered with us, we provide you with an app to view and manage your insurance details, view your journeys, carbon offsets and redeem your rewards.

You can find out more information about the service we offer by visiting our website www.thegreeninsurer.com/learner-driver-insurance and if you need to contact us you can use online chat via the app or website, call on 01727 222777 or email at help@thegreeninsurer.com. We may record telephone calls for your protection and our training and monitoring purposes.

We are committed to providing you with good service and delivering cover that meets your needs. We aim to treat you fairly, act with integrity and with your best interests in mind at all times.

We may also offer other products and services from time to time which we feel may be of interest to you.

When buying a policy and providing your contact details, you are giving us permission to contact you by telephone, email, text message or push notification regarding the following:

• policy related issues
• renewing your policy
• payment related issues
• claim related issues
• journey confirmations
• your app setting issues
• feedback to drive more fuel-efficiently
• your rewards
• your carbon offsets

We will provide you with all the information you require to make an informed decision on whether to buy new policies and amend or renew existing ones. We do not offer any advice so please make sure that the policy provides the cover you require and is suitable for your needs.

Our communications with you are designed to be clear, easy to understand and free of jargon and abbreviations.

You will be able to report claims using our claims line 01727 222770 or by using the app or our website.

Green terms

When you buy a motor insurance policy through us we can help you to protect the environment by doing something to mitigate the climate damage from driving, regardless of how much or little pollution your vehicle produces. Improved driving could also save you fuel and other costs, for example, wear and tear on your brake pads. We provide you with an app that tracks your mileage, location and driving behaviours (acceleration, braking, cornering, speed and mobile phone use). We use this to calculate your carbon emissions produced whilst driving and to provide you with green rewards for fuel-efficient driving. To earn rewards and offset your carbon emissions you must download the app, accept the permission settings and check that it is recording your vehicle trips. You can contact us if there are any problems with this. We also pass this information to our insurer to help them calculate your premiums, which they may adjust based on your driving behaviours. Journeys may be recorded up to 24 hours after your policy expires or is cancelled.

Our app is designed to record how many miles you drive, and it learns your driving style during the first few hundred miles to help identify if you were driving or you were a passenger. During this time it is important you use the app to confirm whether you were driving the insured vehicle or not, and we can then start predicting whether you were driving and automatically allocate your journeys. If you don’t do this, we may under or overestimate your mileage which will affect our ability to offset your carbon as accurately as possible, as well as the rewards you earn.

When repairing your vehicle recycled (green) parts will be used whenever they are available. These parts will be guaranteed for the length of time you own the vehicle, excluding general wear and tear.

Your responsibilities

You must tell us as soon as you pass your practical driving test. Once you pass your driving test, all cover will end.

The car covered under this policy must be insured at all times under a separate annual motor insurance policy.

You must take care to answer all questions fully, honestly and accurately. Inaccuracies or information you do not tell us about may lead to your insurance being cancelled and/or a claim not being fully or partly paid. Please check your documentation carefully when you receive it and contact us if there is any incorrect or missing information.

You must tell us immediately if any of the information you gave us to arrange your policy changes, including:

• when you pass your practical driving test
• change of vehicle
• changes to the vehicle (modifications)
• change of address
• change of occupation
• change in use of the vehicle
• criminal convictions (including motoring offences)
• motoring accidents
• medical conditions that must be notified to the DVLA

Any changes could mean your premium may go up or down or your insurer may not continue to offer cover. If that happens, you need to pay our cancellation charge.

When driving you must always be accompanied by a passenger who is supervising you. This person must be over 25 years of age and have held a full UK driving licence for a minimum of three years, unless they are a currently qualified Driving Standard Agency Examiner or a registered qualified Approved Driving Instructor or an approved Potential Driving Instructor.

Your premiums

When we collect your premium it is placed in a trust account and is treated as if it has been paid directly to the insurer. Until we pass it to the insurer, we cannot use your money for anything other than paying them and we keep any interest it earns. If you are due a refund your insurers will place money in our trust account and then we will return it to you.

When you get a quotation from us, we will tell you the total price to be paid including any fees and taxes. You must always pay the premium in full up front by credit or debit card.

We will securely store any card details that are used for making payment to us. We use these details to take future payments, for example, if you make a change to your policy, renew or if there is an outstanding premium left unpaid. This is called a Continuous Payment Authority. You can opt out of the continuous payment authority by contacting us by phone, email or through live chat. We will always let you know before we take a payment from your card.

Any refunds will only be made back to the card you paid with. If your card details have changed, we will still process refunds on those details. Your bank will have to make sure the money is allocated to the correct account.