Anytime by miDrive

Terms and conditions

Anytime by miDrive

Who we are

Anytime by miDrive (referred to as “us”, “we”, “our” and ‘Anytime by miDrive” as contextually required) and is a brand name of miDrive Limited (referred to as “miDrive”) is registered in England and Wales, company number 09134222, registered at Newingreen, Hythe, Kent, CT21 4JF.

What we do

We provide the facility to offer short-term car insurance for learner drivers. miDrive Limited is an Approved Representative of Holiday Extras who acts as an intermediary acting on your behalf to arrange short-term learner insurance, underwritten and provided by Mulsanne Limited.

Buying insurance with us

We act as an intermediary and do not advise or offer any recommendation for any insurance product. If you decide to purchase a policy through us, you do so as your choice and ensure and confirm that the product is suitable for your requirements/needs.

By creating an account and completing the quotation process with us via our app, you have requested short-term learner insurance using the details you have provided. It is a legal requirement that the information you provide is, to the best of your knowledge, accurate. Failure to provide us with accurate or misleading information could result in the immediate termination and/or cancellation of a policy or the decline of a claim.

Refunds

If your period of insurance is for less than 30 days, you may cancel this policy at any time by returning the certificate of motor insurance to us or your insurance intermediary. Due to the short term nature of this policy there will be no refund of your premium.

If your period of insurance is for 30 days or more, you have 14 days to decide if this policy meets your requirements. If you are not satisfied you can cancel within 14 days of the policy starting or within 14 days of receiving your documents (whichever is the later).

You will be charged a premium for the period we have been insuring you plus an administration charge of £15.00 plus insurance premium tax (IPT). No refund of premium will be available if you have made a claim or if one has been made against you during this period. No refund of premium will be given unless the certificate of motor insurance is returned or a declaration has been received.

Promotions and discount codes

There are occasions that we run and offer promotions, including but not limited to personalised discounts and promo codes. All of our discounts and promo codes are subject to the our standard Terms and Conditions, in addition to the terms below:

  • All discounts and promo codes are applicable to first time purchases only, unless otherwise specifically stated.
  • Only one discount or promo code is accepted per purchase. Subsequent purchases will not be eligible for any discounts or codes, unless otherwise specifically stated.
  • Our discounts and promo codes run for limited periods of time and we reserve the right to discontinue discounts or promo codes at any time. We do not offer any guarantee to honour any discounts or promo codes.
  • We only provide discounts and promo codes via miDrive.com, our apps/products or to the email address you registered with. We do not accept any responsibility or liability for any discounts or promo codes offered by third parties and will not honour any discount or promo code offered or advertised on such sites.
  • A refund or cancellation where a discount and promo code has been used will invalidate the use of the discount or promo code by that customer and/or account and they will not be eligible for any first time customer promotion in the future.
  • Anytime discounts and promo codes cannot be claimed towards driving lessons and miDrive lesson discounts and promo codes cannot be claimed towards insurance, unless otherwise specifically stated.
  • Our discounts and promo codes have no cash value.
  • We reserve the right, where we believe necessary, to undertake all reasonable action to protect ourselves against fraud, suspicious or invalid redemptions, including but not limited to seeking further verification as to the identity of a customer.
  • Terms & Conditions vary by specific promotion. These can be found here.

Protection for you

miDrive Limited is authorised as an “Appointed Representative” of Holiday Extras Limited, Ashford Road, Newingreen, Kent, UK, CT21 4JF, company number 1693250, and is regulated by the Financial Conduct Authority (“FCA”). Their FCA number is: 309682. The FCA permits Holiday Extras via their ‘Appointed Representative’, miDrive Limited, to arrange and act as an agent for for short-term learner insurance contracts.

We pride ourselves on providing the best level of customer support at all times. We understand that we, may, occasionally get things wrong and should you be unhappy with any element of our service or wish to make a formal complaint, we have a formal complaints procedure.

If you do have an issue with our service, please contact us via email in the first instance at [email protected]

You can also contact us via

Live chat: via your Anytime by miDrive app

In writing:

miDrive Limited 114 - 116 Curtain Road London EC2A 3AH

Or call us on:

For sales related complaints: 0800 011 9700

For insurance policy related complaints: 0344 573 1241

How we deal with your complaint?

Once we have received your complaint, we will:

  • Acknowledge its receipt within five business days, and give you details of who is handling your complaint, should you wish to contact us regarding its progress. Some complaints can be resolved easily, within a few days, but other are more complicated and require extensive investigation to ensure that whatever we propose is fair and consistent.
  • Your complaint will be handled by an experienced member of staff who has not been previously involved in the subject matter of your complaint, thus ensuring impartiality.

In line with the guidelines set out by the FCA:

  • We will strive to resolve your complaint at the earliest possible stage
  • You will receive our final response within eight weeks, outlining the investigation we have carried out, and details of how we propose to resolve your complaint.

If, while we are dealing with your complaint, you decide you would like to discuss the matter or bring further information to our attention, please contact us. It will help us to know all the relevant facts in order to reach a fair conclusion.

The Financial Ombudsman Service

In the event that you are dissatisfied with our final response we provide, you may refer your complaint to the Financial Ombudsman Service.

You should always give us the opportunity to resolve any complaint you wish to make about our service before you approach the Ombudsman. The Financial Ombudsman Service will only consider your complaint if you have already given us the opportunity to resolve the matter.

You can write to the Financial Ombudsman Service at: Exchange Tower 1 Harbour Exchange Square London E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123

Website: http://www.financial-ombudsman.org.uk

Your information

You are legally responsible to provide us with accurate and complete information when you take out your policy of insurance. Failing to provide us with the correct information could result in your policy being cancelled or void.

During the signup process you must declare any motoring or criminal convictions including any prosecutions or policy enquiries pending. In addition to this, you must also notify us of any vehicle modifications. You must also notify us of any previous policies cancelled, voided or if you have ever had insurance refused. If any material fact or circumstance changes, you must let us know of changes via email at [email protected].

How we get paid:

We are an Approved Representative acting on behalf of Holiday Extras as an intermediary on your behalf in order to facilitate learner car insurance. Premiums can only be paid in app via Debit Card, Credit Card, Apple Pay or Android Pay. You may be charged be for the use of certain credit cards and other card types such as American Express. Our payments are processed and handled by Stripe.

You will be notified of any additional charges in a summary which you will view prior to purchase. We are VAT registered and our VAT number is GB195376466.

miDrive Limited is remunerated from an administration fee on top of the cost of the premium sold via our app. The administration fee is subject to change at any point without prior notice, but will always be less than the cost of the premium. A breakdown will be provided to you prior to purchase. We may earn additional income from interest on our client statutory/non statutory trust account, which you consent to us retaining.

We act as an agent of Mulsanne Limited for the purpose collection of payments for premiums. The underwriter will bear the risk of any subsequent losses that may arise from a failure of miDrive Limited. Our underwriter treats premiums as being paid when received by Stripe.

Policy documents

Once you have purchased a policy with us, you will be provided with your Certificate and Schedule of Insurance and any other relevant information via the email that you use to create your Anytime by miDrive account.

Your Certificate and Schedule of Insurance will be available to view in your Anytime by miDrive app. We commit to ensure that you will receive all of the necessary documents you are required to have by law in relation to the policy of insurance.

Authentication

In order to verify your identity, combat fraud and make sure that you get the best premium possible, we will use the Government “MyLicence” database. This check with verify the details you have provided for your insurance policy are correct and that are no outstanding endorsements on your Provisional Driving Licence.

Please see our Fair Obtaining Notice for more information on how we use your Driving Licence information.

Reporting an accident

In the unfortunate event that you have an accident, you will need to report the accident to the helpline on the contact telephone number provided in your Policy Documents. The accident helpline contact number is also available in your Anytime by miDrive app. You should report your claim as soon as practicably possible and when it is safe to do so, ultimately within 24 hours of the accident occurring.

Please remember you are legally required to report any accident you have, and failure to do so may void your policy of insurance and cause the underwritten policy to be withdrawn.

Confidentiality

The information you provide us at the time of sign-up or at any stage of your time with us or miDrive, will be handled by miDrive Limited. We treat all personal information about you as private and confidential.

Your information will be secured securely and used in the normal course of arranging a policy of insurance. From time to time we may use the data we hold on you to help improve our service and to inform you of any products and services that we feel are relevant to you.

Under the Data Protection Act 1998 you have a legal right to see the information that we hold on you, should you request to see this information please contact us at [email protected]

Legal

All of our terms are governed by and construed in accordance with the laws of England and Wales and subject to the exclusive jurisdiction of the English Courts.