Legal information

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Legal information
How to make a complaint
What you need to know

Legal information

Nationwide car insurance is underwritten and administered by Churchill Insurance Company Limited. Nationwide breakdown services are provided by Green Flag Motoring Assistance which is underwritten by UK Insurance Limited. Churchill Insurance Company Limited and UK Insurance Limited are authorised and regulated by the Financial Services Authority.

Nationwide Building Society is authorised and regulated by the Financial Services Authority for life assurance, pensions, unit trusts, insurance and regulated mortgages. Nationwide Building Society, Nationwide House, Pipers Way, Swindon SN38 1NW. You can check this on the FSA's Register by visiting the FSA's website http://www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

How to make a complaint

First class service is what you expect from Nationwide, and what we aim to provide. If you feel our service falls short of this, please

Further details can be found in our leaflet "A complaint - how can we put it right?" Complaints about the insurance product should be addressed to Churchill Insurance Company Limited as detailed in your policy document or summary. If we cannot settle a complaint to your satisfaction through our internal complaints procedure you may refer the matter to the Financial Ombudsman Service (FOS). Referral to the FOS does not affect your right to take legal action against the Insurer or Nationwide.

We are covered by the Financial Services Compensation Scheme (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.

Under the Financial Services and Markets Act 2000, should the company be unable to meet all it's liabilities to policyholders, compensation may be available. 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. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

Calls may be recorded.

What you need to know

Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. The information on this website, is correct at the time of being published.

A copy of the policy booklet is available on request. Nationwide will not provide you with any advice or recommendation as to the suitability of the insurance products on this website, so that you can make your own informed decision.

It is a minimum legal requirement to have car insurance that covers third party liability. If you don't have car insurance you will be committing a criminal offence and you may be prosecuted. In the event of an accident you may be responsible for the damage caused to the other vehicle and the loss caused to the driver and any passengers. Third party only cover does not provide insurance cover for fire, theft or damage to your car. Third party fire and theft cover is available, which covers fire and theft in addition to third party liability.

You can insure your car on a fully comprehensive basis. This provides cover for damage or loss to you and your car as well as third parties, in event of an accident. This type of policy also has other benefits which may be appropriate for you. If you choose a fully comprehensive policy it is important to ensure the level of cover adequately reflects the value of your car.

Always give us accurate information

It is essential you give us accurate information and tell us about anything that might affect your application. If you don't, we may not be able to pay any claims you make.

Always check to see if you are covered elsewhere

You are unlikely to be able to make the same claim twice, even if you've been paying for duplicate cover.

Stay covered when you switch

If you have existing cover and want to switch to us, make sure that your new Nationwide policy starts as soon as your old one ends.

Regularly review your insurance needs

Your circumstances may change over time. Remember to regularly review your insurance needs including your level of cover and tell us of any changes you want to make. Your premiums may increase if you require additional cover, so you may need to take your other financial commitments into account.

Make sure you understand what you're getting

Please ensure that this policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, we won't be able to pay your claim or refund your premiums. So if there's anything you don't fully understand, please ask us to explain it to you before you go ahead. That's what we're here for.

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