OUR TERMS OF BUSINESS

Gladiator is a trading name of Able Insurance Services Limited and is located at No 1 Langdon Road, Swansea Waterfront, Swansea, SA1 8AG (Registration number: 02890075) (Home State: United Kingdom). Able Insurance Services Limited is an independent intermediary and represent a number of insurers.

Please read these notes carefully as they tell you how we work. If you have any queries, please call the relevant department on the telephone number shown below. Full details of your policy will be in your Policy Booklet that we send to you after you take out cover.

Able Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA Registration: 311649).

Able Insurance Services Limited is entered in the Financial Services Authority Register; this can be confirmed at www.fsa.gov.uk/register/.

Gladiator gives quotations based on the information given to us by you (the proposer) or your representative. When a policy is taken out we send you a copy of your Proposal Form which shows all the information given for your quotation. Your insurer has the right to decline your risk, increase your premium or offer a policy containing restrictions in cover at any time throughout the duration of your policy term. Insurers may change their prices at short notice, especially at the end of the month. Therefore, please check your quotation with us before asking us for cover.

Failure to disclose all material facts could render your insurance invalid and not give protection in the event of a claim. Material facts are those which are likely to influence the acceptance and assessment of your proposal. False details could mean you have to pay more money, your insurers cancelling your policy or a claim not being paid. If you are in any doubt about facts considered material, you should disclose them.

Unless we have agreed otherwise with you, the Insurance Contract written through Able Insurance Services Limited shall be subject to the law of England and Wales. All communication is to be conducted in English.

Gladiator will reserve the right to charge for the work involved in setting up or renewing your policy. If you make a change to your policy such as a new vehicle, change of address or any other policy change, require copies of documents, Gladiator will charge you an administration fee of £20. Gladiator reserves the right to alter this fee. Your insurer will take off their charges from any refund before passing it to us to pay to you.

If you need to make a new claim or require help on an existing claim, please call our Claims Helpline straight away on 0870 600 0022. They will tell you what to do next. You may be asked to complete a Claim Form.

Interest is charged for all premiums paid by instalments. For full details, please refer to your credit agreement and your facts about the Direct Debit Scheme. Instalment deposits are non-refundable.

If you have paid for your premium by credit/debit card or pay your premium by instalments, we may use these details to automatically renew your policy. You will be advised first by letter prior to your renewal.

If you do not pay in full for your time on cover, Gladiator reserves the right to use a debt recovery agency to collect any money owing. Any costs we have to pay to get this money back will be added to your existing debt. If you pay for your insurance by instalments, any refund due after cancelling will be credited to your Gladiator Instalment Account and we will refund any balance to you. If the refund is not enough to clear your outstanding balance, you will have to pay the difference. We will take our commission and a fee of £20 off all refunds. No refunds will be given on 'Short Term' policies (which last for six months or less), limited mileage policies, or if you make a 'total loss' claim. Please note if you have purchased any extra cover such as Payment Protection Cover, Legal Cover, Windscreen Cover or Personal Accident Cover you will not be eligible for any refund on these products. A minimum charge of 25% will apply to any cancelled policy and if you are paying by direct debit, your initial deposit is non-refundable. Any refund due back to you will be paid via your original payment method.

Our insurers are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they are unable to meet their obligations. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

For your protection we may record or listen to telephone calls. This is to ensure that we maintain a high level of service. Gladiator may occasionally send you offers from third parties who act on our behalf. If you do not wish to receive such mailings, please write to the Data Protection Officer at: Gladiator, No 1 Langdon Road, Swansea Waterfront, Swansea, SA1 8AG. You have the right to ask for a copy of the information held by us on computer. We may make an administration charge for this. You also have the right to request us to correct any inaccuracies in your information.