This is a placeholder terms-of-business document for a demonstration website. It must be reviewed and replaced with a final version approved by the client's compliance adviser before the site goes live.
1. About these terms
These terms govern your use of the ZapDrive website and our insurance quotation and arrangement services. By using this website you accept these terms. The insurance contract itself is governed by the policy documents issued to you.
2. Our status
ZapDrive is a trading name of Crestora Nexora Trading Ltd. Insurance is arranged with UK-authorised insurers; the insurer for your policy will be identified in your policy documents.
3. Our service
We provide quotations for and arrange short-term comprehensive motor insurance for durations between 1 hour and 7 days. A quotation does not guarantee that cover will be offered. Cover only begins when we have confirmed acceptance and you have received your certificate of motor insurance — an online quote alone is not proof of insurance.
4. Your responsibilities
- You must provide accurate and complete information. Incorrect or incomplete information may invalidate your cover or lead to claims being declined.
- You must have the vehicle owner's permission to insure and drive the vehicle.
- You must hold a valid driving licence appropriate for the vehicle.
- You must check your policy documents and tell us straight away if anything is wrong.
- You must not rely on this website's content as advice; if you are unsure whether cover is suitable, contact us.
5. Eligibility
Cover is generally available to drivers aged 21–75 holding a full UK or EU licence for at least 12 months, for UK-registered vehicles valued under £65,000 with no more than 8 seats. Full eligibility criteria are applied during the quotation process.
6. Payment
The premium and any fees will be shown before you commit to purchase. Payment details and methods are confirmed during the purchase process once quoting is finalised.
7. Cancellation and cooling-off
You have a 14-day cooling-off period under applicable UK insurance regulations, starting from the later of the purchase date or receipt of your policy documents. However, where the policy term is shorter than 14 days, or cover has already begun, a pro-rata charge for time on cover plus any applicable administration fee will apply. Contact us to cancel.
8. Extensions
Policies cannot be backdated. If you need cover beyond your policy end date, contact us before expiry to arrange an extension or a new policy.
9. Claims
Claims must be reported as soon as reasonably possible using the contact details in your policy documents. Failure to report promptly may affect your claim.
10. Complaints
If you are unhappy with our service, contact us at complaints@zapdrive.co.uk or by phone. We will acknowledge your complaint and aim to resolve it promptly. If you remain dissatisfied, you may be able to refer the matter to the Financial Ombudsman Service (financial-ombudsman.org.uk).
11. Website use
We work to keep this website available and accurate, but we do not guarantee uninterrupted availability or freedom from errors. We may suspend the site for maintenance. You must not misuse the site, attempt to gain unauthorised access, or submit false information.
12. Liability
Nothing in these terms excludes liability that cannot be excluded by law. Subject to that, we are not liable for indirect or consequential losses arising from use of this website.
13. Governing law
These terms are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction over any dispute, unless you are a consumer resident elsewhere in the UK, in which case your local laws and courts may apply.