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16.12.2016
Broker Ref : MANC48PC01
Mr Narcis Mazilu
46 College Avenue
Harrow
HA3 6HA
Dear Mr Mazilu
Policy No. PC/4805/1566742
Thank you for choosing Right Choice Insurance Brokers Ltd for your insurance needs.
It is important that you take the time to read through this letter, any attachments and any other
documents we may send you in the future in connection with this policy.
Your insurance premium is £1,925.00 inclusive of Insurance Premium Tax (IPT) and our
administration fee.
As you have opted to pay monthly, full details of your monthly instalments and charges will
be sent to you shortly by our chosen finance provider.
To enable us to complete the policy we require the following documents:-
- A signed & dated proposal form (see attached).
- A signed RCIB credit agreement (See attached form)
- Copy of Driving Licence (both sides of the photocard). Driving Licence must match
policy address.
- DVLA Check Code (See attached form)
- Signed Driving Experience Declaration
It is important that you provide all the requested documents within the next 14 days if
the policy is to be fully validated and remain active.
You can send document(s) to us via mail to the address below or by email at
customercare@rcib.co.uk.
If you experience any difficulties in providing the requested document(s) or require any
assistance please call our Customer Care team on 01708 336 519 or email us at
customercare@rcib.co.uk without delay and we will do everything we can to assist you.
In the unfortunate event you need to report a claim please call 0345 241 0519.
Yours sincerely
Right Choice Insurance Brokers Ltd
Mr Narcis Mazilu
46 College Avenue
Harrow
HA3 6HA
16.12.2016
Our Reference MANC48PC01
Credit Agreement
Between Right Choice Insurance Brokers Limited (RCIB) and Close Brothers Premium Finance
Following receipt of your deposit, it is agreed that the remaining insurance premium of £1,573.49 can be paid in monthly
instalments as per the schedule below and it is agreed that if the policy is cancelled due to payment default that the certificate
of insurance must be returned on demand.
Payment Schedule
Day of the month for payments to be collected:- 16
Monthly Instalment amount: - £ 188.82
Number of payments:- 10
*Payments will usually begin being collected within the first month on the above date and on the same day every month
thereafter (or the last working day before, if this falls on a weekend or bank holiday)
Please note that if you have requested a different date then this will NOT be shown correctly on the letter you receive from
the Close Brothers Premium Finance.
It is understood that should any payment be unpaid for whatever reason, Right Choice Insurance Brokers Limited have the
right to recover payment from any card details previously provided to recover such monies owing, or to cancel this policy
following issue of a seven day Notice of Cancellation, however in the event of cancellation any shortfall in the return
premium will still become immediately due.
It is also agreed that the full premium is payable on demand, in the event of a claim occurring under this policy and that no
refund of premium will be due if a claim has been made or still outstanding and that we may at our discretion deduct all
monies owed from your claims settlement.
It is also agreed that in the event of a default that you authorise us to debit any monies owed from any credit or debit card
previously used.
Please note that a default charge of £20 will be levied for any dishonoured payments.
It is agreed and understood that the finance is provided by “Close Brothers Premium Finance” , the premium will be paid
directly by them to RCIB and if I default on payment to the finance company, the finance providers have the right to reclaim
the full outstanding balance from RCIB and in these circumstances I agree to pay RCIB upon request the sum reclaimed by
the finance company and if I do not pay this sum on demand, RCIB then have the right to cancel the policy and take further
action to recover the amount due.
Print Name: Mazilu Narcis     Signed: Mazilu Narcis 
Date 16/12/2016
Persons aged under the age of eighteen (18) must have this form signed by a parent / guardian who will be responsible and
liable to make these payments.
Signed
Parent / Guardian ……………………………. Print Name ……………………………………
Date ………………………………………….
 
Driving Experience Declaration
Broker Ref:MANC48PC01
Policy Number:PC/4805/1566742
From: 01/06/2016
To: 01/11/2016
Policyholder: Business
Vehicles previously insured on:
commercial van
I have stated that I have 5 months driving experience as per the description above, I am
unable to provide proof for the following reason:
No Paperwork
Markerstudy may, at any time, validate the above information.
Signed: Mazilu Narcis Ionel  Date: 16/12/2016
_______________________________________ ____________________
If this is found to be incorrect it may result in, but is not limited to, an additional premium
being applied and/or your policy being cancelled.
 
DVLA Check Code Form
Broker Ref : MANC48PC01
As the DVLA no longer issues Counterpart Licences we can now check driving licence
records online with your permission.
So we can do this we require you to obtain a DVLA check code. To obtain a check code
please go to www.gov.uk/view-driving-licence and follow the on-screen instructions. If you do
not have internet access you can telephone the DVLA on 0300 083 0013.
To obtain a check code that you can share with us you will require the following information:
Driving Licence Number
National Insurance Number
Postcode of the address the licence is registered to
Once you have obtained the required check code please fill in the details below. As these
codes are only valid for 21 days it is important that you return this form to us as soon as you
have all the required information.
PLEASE NOTE: These codes are CASE SENSITIVE and can only be used ONCE.
Please DO NOT use the code yourself before sending them to us.
Drivers Name
Driving Licence Number
(Last 8 Characters Only*)
DVLA Check Code
Mr Narcis Mazilu
*Only the last 8 Characters of the Driving Licence Number are required – for example:
SMTKK 101192 GT2BD
By sending us the above information you are giving Right Choice Insurance Brokers the
authority and consent to use this check code to obtain your driving licence information from
the DVLA.
This service only applies to driving licences issued in England, Scotland or Wales. Please
contact us if your licence was issued in Isle of Man or Northern Ireland.
Motor Legal Expenses Insurance
CERTIFICATE OF INSURANCE
Insured Person
Mr Narcis Mazilu
Date Cover Commenced
16/12/2016
Certificate Number
MANC48PC01
This insurance is a contract between You and the Insurers, Alpha Insurance A/S (registered by the Financial
Conduct Authority under no 431621). The Insurers will indemnify the Insured Persons subject to the terms,
conditions, clauses and exclusions of this insurance during the Period of Insurance.
Alpha Insurance A/S, Harbour House, Sundkrogsgade 21,
Copenhagen, DK-2100, Denmark. Authorised and regulated by the
Finanstilsynet (the Danish FSA under no 53068).
Duty of Disclosure
The Consumer Insurance (Disclosure and Representations) Act 2012 updated the legal basis on which
insurance contracts are sold to customers and brings outdated laws into line with current market
practice. The act makes clear that consumers need to take care when answering questions asked as
part of an insurance application. Customers have a duty of disclosure and whilst there is no need for
you to volunteer information it is your responsibililty to provide complete and accurate information
and answer questions fully. Incorrect information may invalidate your insurance and any claims may
not be paid.
As a matter of course your insurer may use the Claims and Underwriting Exchange (CUE) to confirm
that your driving history and any accident and/or claim disclosed at inception is accurate and to ensure
there are no mismatches to your proposal form.
The Claims and Underwriting Exchange (CUE) is a central database of motor, home and personal
injury/industrial illness incidents reported to insurance companies, which may or may not give rise to
a claim. In the event that any non-disclosure or misrepresentations are reported to us during the
validation process, we reserve the right to take the following action:
Following our notification in writing to the policy holder we will attempt to debit the account details
taken at the point of inception for any additional premium due that has resulted in confirmation of any
non-disclosure or misrepresentation. Administration charges would also be applied in accordance with
our terms and conditions.
If you have paid the initial insurance premium in full then we may attempt to take payment
for the full additional premium.
If you are paying your insurance premium over monthly instalments (after a deposit) then we
may attempt to take payment of 25% of the additional premium due and spread the remaining
balance equally across your remaining monthly instalments. Details of your amended monthly
instalments including interest will be sent to you by your finance provider.
IF EITHER THE WHOLE ADDITIONAL PREMIUM OR THE 25% DEPOSIT FAILS TO
CLEAR AND NO OTHER PAYMENT AGREEMENT CAN BE REACHED THEN YOUR
POLICY WILL BE CANCELLED AND WILL BE SUBJECT TO CHARGES (please refer to
Your Cancellation Rights within our terms and conditions of business).
Terms and conditions of business
Important Information
The Consumer Insurance (Disclosure and Representations) Act 2012 updated the legal basis on which
insurance contracts are sold to consumers and brings outdated laws into line with current market
practice. The Act makes it clear that consumers need to take care when answering questions asked as
part of an insurance application. Customers have a duty of disclosure and whilst there is no need for
you to volunteer information it is your responsibility to provide complete and accurate information
and answer questions fully. Incorrect information may invalidate your insurance and any claims may
not be paid. You must inform us of any changes to your policy details during the life of your policy,
including at renewal. Please read all policy documentation carefully (motor welcome letter, policy
schedule, proposal form etc) and inform us immediately of any incorrect information.
If you have any questions then please contact us and we will be happy to discuss this with you.
About us
Right Choice Insurance Brokers of St James House, 27 - 43 Eastern Road, Romford, Essex, RM1
3NH is authorised and regulated by the Financial Conduct Authority (registration no. 475620). This
can be checked on the FCA's register by visiting the FCA's website http://www.fca.org.uk/register or
by contacting the FCA on 0800 111 6768 (Freephone).
We provide advice based on a fair analysis of the market for motor, household, motorbike and
commercial insurance. For breakdown insurance, legal expense cover and excess reimbursement
insurance we provide information only as we use a single insurer and we are not required by contract
to do so. Please ask us for details of the policies offered.
Our service charges, which are non-refundable
Arranging a new policy and renewals
Cancellation or voiding of a policy
Making a change to a policy
Issuing a duplicate insurance certificate
Administration of a dishonoured payment
Early settlement or cancellation of finance
agreement if paying by instalments
Credit charge for premium instalments
Credit card transaction
Some insurers may also make a charge for making a change to a policy – please refer to your policy
booklet
Telematics Insurance
If you have a Telematics motor insurance policy with us we will provide you with information
regarding any additional terms and conditions of business. You can also view these on our website
www.rightchoiceinsurance.co.uk.
Payment by instalments
You can choose to spread your premium payment with an initial deposit and eight further monthly
payments. Other payment plans may be available on request. Please note that in the event of a claim,
the full premium becomes payable immediately; it may be possible for us to deduct your outstanding
balance from your claim settlement or for you to continue making your monthly payments at our
discretion. In the event of an instalment default, we reserve the right to debit any card previously
used to make payment.
Where bad debts occur, we reserve the right to charge interest on the debt, to pass on any fees or
charges we incur and to collect the outstanding balance from the credit or debit card details held on
file. We will use a third party to aid debt recovery.
Protecting your money
We hold your premium payment in a trust account until it is passed to the insurers. 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. We will retain any interest earned on the
account. In the event of any refund of money being due, it may take up to 30 days for the funds to
arrive from the insurance company and returned to you.
Your cancellation rights
Within 14 days
If you are a private customer, you have the right to cancel a new policy within 14 days of when you
purchase your policy or of when you receive your policy documents, whichever is later. For a
renewed policy this is within 14 days of your renewal date. Provided you have not incurred any
claims during that period, the insurers will pay a pro-rata refund of premium minus their
administration charge. We will deduct a cancellation fee of £60 plus any other applicable service
charges that you have incurred during the course of your policy. If your policy is being paid by
instalments the cancellation of finance charge will apply. If your policy is voided then all of these
charges will also apply.
After 14 days
If you cancel after 14 days, some insurers may use a short-period cancellation scale for calculating
refunds. Providing no claims have been made on the policy the maximum you will be charged from
the insurer is as follows:
Period of cover
up to
One
month
Two
months
Three
months
Four
months
Five
months
Six
months
Seven
months
Eight
months
Premium
payable
30%
40%
50%
60%
70%
80%
90%
100%
In addition to the insurer’s charge we will also charge a cancellation fee of £60 and will retain up to
15% of any premium refund as commission (unless you are replacing the policy through our agency)
plus any other applicable service charges that you have incurred during the course of your policy. If
your policy is being paid by instalments the cancellation of finance charge will apply. If your policy is
voided then all of these charges will also apply.
After the 14-day cooling off period has expired, breakdown, excess reimbursement and other
purchased add-on premiums are payable in full.
If you are a commercial customer, any right to cancellation will be detailed in your policy.
If you have a complaint
We have a real commitment to customer care. We aim to be regarded as a company that puts the
customer first.
If you are unhappy with any aspect of our service please telephone us on 01708 336519. At any time
you can request a copy of our complaints procedures. If you remain dissatisfied, you can refer your
complaint to the Financial Ombudsman Service.
Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we are unable
to meet our obligations. This depends on the type of business and the circumstances of the claim.
Compulsory insurance claims (e.g. Third Party Motor claims) are covered for 100%, non-compulsory
insurance claims (e.g. own vehicle damage and home claims) are covered for 90%. Further
information about compensation scheme arrangements is available from the FSCS.
Governing law
The laws of England and Wales govern this agreement and any dispute is subject to the jurisdiction of
the English courts. Terms and conditions apply. We are authorised and regulated by the Financial
Conduct Authority (FCA). Our FRN is 475620.