CheckABike Insurance

About The CheckABike Insurance

CheckABike takes every precaution to ensure that the data supplied to you is correct and complete. However due to the complexity of the data providers it is possible that a piece of information is not passed to us. To ensure that you do not suffer a financial loss due to incorrect or incomplete data we are able to offer CheckABike Insurance from Pinnacle Insurance plc. This is included at no extra cost in the CheckABike and covers the data provided up to a maximum of £30,000, or the purchase price, (whichever is the lower), for two years.

This insurance is provided on the motorcycle you eventually purchase, not every motorcycle you check. Once you have checked out a few bikes and made your decision to purchase one of them, you should check the terms and conditions of the insurance policy to ensure that you will be able to qualify for the insurance. The main benefits, conditions and exclusions are shown in the Policy Summary. You should also read our Buying Advice and use the check list provided to ensure that you are being prudent with your purchase.

As soon as possible after you have purchased the motorcycle you should return to this site to register the CheckABike Insurance. You will need to state the date purchased, the amount paid and whether it was a private sale, from a motor dealer or auction.

Please note that once you have registered the CheckABike Insurance any remaining checks will be void if purchased as part of a CheckABike Multi.

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How To Register Your CheckABike Insurance

To register your insurance you will need to confirm the vehicle's VIN which can usually be found in the engine compartment.

Once you have done this, you will be given the option to register the insurance on that vehicle and you will need to supply the following:

• Purchase date
• Amount paid
• Type of sale (eg private sale or motor dealer)

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How To Make A Claim

If you need to make a claim on the CheckABike Insurance after purchasing and registering your motorcycle, you should call 0870 333 8030 or write to

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Key Facts About CheckABike Insurance

Who Regulates Us?

The CheckABike is provided by Experian Limited, an Appointed Representative of Motorfile Limited, which is authorised and regulated by the Financial Services Authority (FSA). The registered office of Experian Limited and Motorfile Limited is Talbot House, Talbot Street, Nottingham, NG80 1TH. The FSA is the non-governmental body that regulates the financial services industry in the UK. Our permitted business is that of an insurance intermediary dealing in and arranging a contract of insurance and claims handling on behalf of Pinnacle Insurance plc. to support our CheckABikeInsurance. You can check this information on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Which Companies Do We Deal With?

The insurance provided with CheckABike is underwritten by Pinnacle Insurance plc. We act on behalf of this underwriter.

What Service Do We Provide?

You will not receive advice or a recommendation from us.

Your Duty Of Disclosure

Your insurance is based upon the information you provided in the event of a claim and you must ensure that it is complete and accurate, and that any facts that may influence the insurer's decision to accept and pay a valid claim are disclosed. Failure to disclose material information may invalidate your insurance cover and could mean that the claim may not be paid.

What Will You Have To Pay For Our Services?

You will not have to pay an arrangement fee for the insurance element of our service. One policy is included in the fee paid for a Solo or Multi CheckABike product.

Protecting Your Money

Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer (in which case your policy is treated as being paid for). We also reserve the right to retain interest earned. By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.

Protecting Your Information

All personal information about you will be treated as private and confidential except where the disclosure is made at your request or with your consent in relation to administering your insurance and except where law requires us. The FSA may ask us to provide it with access to our customer records in order that it may carry out a review of our activities.

How To Claim

Please refer to your policy summary or your policy document if you wish to notify a claim.

What To Do If You Have A Complaint

If you have a complaint regarding your CheckABike or our service you can write to Experian Ltd, Talbot House, Talbot Street, Nottingham, NG80 1TH, telephone 0870 013 1696.

If your complaint relates to the insurer or a claim under the insurance you may refer the matter to CheckABike Claims Department, Lambert House LHN1, Talbot Street, Nottingham, NG80 1LH, telephone 0870 333 8030 or you may contact the insurer directly by writing to the Customer Relations Manager, Cardif Pinnacle, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX.

If you cannot settle your complaint you may be entitled to refer the matter to the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone: 0845 0801 800.

Are We Covered By The Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk or telephone 0207 892 7300.

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