Legal

Conditions of use

The customer uses this site on the basis it is an online-only product. No call centre facility is provided except for the purposes of allowing customers to make a claim and for certain changes to an existing policy. No policy documentation will be sent to a customer; all documentation will be available online. Customers are required to be responsible for the accuracy and ongoing availability of, and access to, their given email address. For further details you should check our Eligibility Conditions  and Charges/Fees.

You agree to these Conditions of Use by using this "website" at www.echoice.com.

About RSA (formerly Royal & SunAlliance)

RSA echoice car insurance is provided and underwritten by Royal & Sun Alliance Insurance plc (RSA).

Royal & Sun Alliance Insurance plc (No. 93792) is registered in England and Wales with its registered office at St. Mark's Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

Royal & Sun Alliance Insurance plc is registered for Value Added Tax under VAT No. GB 165 0008 01.

In these Conditions of Use 'our', 'we', 'us' means Royal & Sun Alliance Insurance plc and the RSA Group of companies.

English Law

These Conditions of Use will be governed by and construed in accordance with English law. Any disputes arising in relation to these Conditions of Use will be subject to the non-exclusive jurisdiction of the English courts. 

If any of the following provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or Conditions of Use. 

Access to the Website

Unless otherwise specified, the information on this Website is directed solely at those who access the Website from the United Kingdom.

Content and Product Information

The information about the products and services contained in this Website is general in nature and for information purposes only. If you purchase a product or service through this Website, the product or service will be subject to the specific product terms and conditions provided to you as part of the sales process.

Legal Exclusions and Limitations

We take care to ensure that the information contained in this Website is accurate and up-to-date. However, unless we agree otherwise with you in writing, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this Website, which may contain technical inaccuracies and typographical errors.

We aim to ensure that the Website operates properly at all times, but the Website is provided on an "as is" and "as available" basis, and we do not provide any warranties or guarantees that the Website will have any particular levels of availability or functionality.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Neither we nor any of our directors, employees or agents will be liable for indirect or consequential damages. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents or for any other liability which cannot by law or regulation be limited. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

Alterations

We reserve the right, at any time and without notice, to revise the contents of this Website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this Website and by continuing to use this Website following any such change, you will signify that you agree to be bound by the revised conditions.

Use of Your Information

Where we collect your personal data information through this Website, we will notify you of how we will use it. Click here to access the Privacy Policy for details of our data practices.

Intellectual Property Rights

All copyright, trade and service marks, design rights, database rights and other intellectual property rights and goodwill in or relating to the contents of the Website belong either to us or to our third party licensors.

Permission is granted to copy electronically and to print in hard copy portions of this Website, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this Website (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) or framing or linking to this Website or any part of it without prior written permission is strictly prohibited.

Links

In this Website certain links, including hypertext links, will lead you to websites other than www.echoice.com ("Third Party Sites"). These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the Third Party Site. We are not responsible for the content of any Third Party Sites or for the legal consequences of you entering into any contracts with third parties as a result.

Contacting us

If you need to contact us you can send an email to RSAechoice@echoice.com  you should note that ordinary email is not secure. Please do not send us any confidential information via email.

Security and privacy

How we use your information

Please read the following carefully as it contains important information relating to the details you give us. You should show this notice to any other party related to this insurance.

Who we are

You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, ‘we’ ‘us’ and ‘our’ refers to the Group unless otherwise stated.

How your information will be used and who we share it with

Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

If you contact us electronically, we may collect your electronic information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

We may use and share your information with other members of the Group to help us and them:

  • Assess financial and insurance risks;
  • Recover debt;
  • Prevent and detect crime;
  • Develop our services, systems and relationships with you;
  • Understand our customers' requirements;
  • Develop and test products and services.

We do not disclose your information to anyone outside the Group except:

  • Where we have your permission; or
  • Where we are required or permitted to do so by law; or
  • To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or
  • Where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone we pass it to provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.

We will not keep your information for longer than is necessary.

Calls may be recorded and monitored.

Sensitive information

Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.

Credit reference agencies

To determine premium payment rates at quote and renewal and/or any future invitations, we will make checks on the electoral roll and public data through a credit reference agency. These enquiries will be recorded but will not affect your credit rating.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • Checking details on applications for credit and credit related or other facilities;
  • Recovering debt;
  • Checking details on proposals and claims for all types of insurance;
  • Checking details of job applicants and employees.

Please contact the Data Protection Liaison Officer at the address below if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Claims history

Insurers pass information to the Claims and Underwriting Exchange Register (CUE) run by Insurance Database Services Ltd (IDS Ld) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI).

Under the conditions of your policy, you must tell us about any incident (e.g. accident, fire, theft or malicious damage) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.

How to contact us

On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to:

Data Protection Liaison Officer,
Customer Relations Office,
RSA,
Bowling Mill,
Dean Clough Industrial Estate,
Halifax
HX3 5WA.

You may also email us at crt.halifax@uk.rsagroup.com

Motor Insurance Database

Information relating to motor insurance policies will be added to the Motor Insurance Database (MID) managed by the Motor Insurers' Bureau (MIB). MID and the data stored on it may be used by Insurers, the Police, DVLA/DVANI, the Insurance Fraud Bureau or other bodies permitted by law for purposes including, but not limited to:

  • Electronic Vehicle Licensing;
  • Continuous Insurance Enforcement;
  • Law enforcement (prevention, detection, apprehension and/or prosecution of offenders);
  • Obtaining information if you are involved in a road traffic accident (either in the UK, the EEA or certain other territories).

Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

It is vital that the MID holds your current registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized.

You can check that your correct registration number details are shown on the MID at www.askmid.com.

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Existing policyholder?

Login to My echoice where you can:

  • Read and download / print your policy documents
  • Renew your insurance
  • Make a change to your policy
  • Change your car
  • Add extra cover options
 

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Renewing your echoice policy?

From the 1st July 2016 it will not be possible to renew your policy as echoice is closing.