We've cut out the middleman! With Dial Direct Insurance is no need for an insurance broker as the broker can take between 12.5% and 20% of your total insurance payments in commission.

General Terms and Conditions

These terms and conditions apply to all aspects of your policy.

The schedule, terms and conditions, together with any correspondence sent to you, as well as any verbal agreements we make, form the policy of insurance between you and us. Please ensure that you are familiar with the contents of all the documents and that all the detail noted on the schedule is correct in every aspect.

Subject to the terms of your policy, we have the option to either pay, replace or repair (or any combination of these ) through a supplier or repairer of our choice.

We may change or cancel your policy by giving you 30 days' notice. We may give notice verbally, electronically, by fax or by post to your known address. Any change or cancellation which you make will be effective from the time and the date agreed to. Please note that if you cancel your policy during the course of an insured month, the premium paid for the rest of the month will not be refunded to you.

Your policy is a monthly policy and you must make the monthly payment in advance on the deduction dates as they have been stated on your schedule.

If we do not receive the payment for a policy on the deductions date(s) as stated on the schedule, you will not have any cover for the period for which you did not pay. From the second month's due payment we will allow a 15-day period of grace for payment. If we do not receive payment for two months in a row, the policy will cancel immediately.

When cover is interrupted because we did not receive your payment, we have the right to debit your account to reinstate your cover. We will then charge a reinstatement fee and debit your account with it as soon as possible. In addition to the reinstatement fee, you must also make a payment for the cover to recommence.

If you do not fulfil any of the following obligations, your cover may be cancelled.

Your Obligations are to:
  • 1. Give us true and complete information.
  • 2. Agree to comply with all our reasonable requests.
  • 3. Use all reasonable care and take all reasonable precautions to prevent or minimise loss, damage, death, injury or liability.
  • 4. Not admit any fault, or make any offer of/or settlement, without our written agreement.
  • 5. Inform us if any of the policy details or declarations are incorrect or if any of these details or declarations change.
  • 6. Tell us if you change the address where you usually keep the items we insure.
  • 7. Tell us about anything you have not disclosed, but which may be important for us to know in order to accept the policy, or about anything that changes which may be important for us to continue accepting the policy.
We will only compensate you for a claim if you:
  • 1. Inform us and give us full details of anything that has happened that you may claim for, within 60 days.
  • 2. Report anything which is lost or stolen to the police, within 48 hours.
  • 3. Give us any documents that your receive in connection with any claim, within 30 days.
  • 4. Give us all the information and documentation which we may ask for, within 30 days.

After we inform you of our decision on a claim, we will allow you 90 days to make representations to us about our decision. If we do not compensate you for a claim or a part of it, and you want to challenge our decision, you must serve legal process on us within 90 days after the time we allow for representations on disputed claims, as referred to above.

When you claim, we can ask you to prove ownership and value of the things you claim for.

If a claim is also covered by another policy, we will only compensate you for our portion.

Continue ... Click here

Go Back to Cover Options ... Click here

For a Free online Quote Click Here or Call : 0860 10 45 73