Access to and use of our Web Site (“the Site”) and access to the services provided through the Site is governed by the terms and conditions of use and the terms and conditions of business (together “terms and conditions”) set out below.
By using the Site you agree to accept these terms and conditions. If you do not wish to accept these terms and conditions, please do not use this Site.
This Site is operated and owned by Policysure Limited trading as Policysure.com, A1insure.co.uk and InsuranceWorld (company number 3946059) a company incorporated in and under the laws of England.
Policysure may at any time revise these terms and conditions by updating this posting. On each occasion that you visit this site, therefore, you are advised to review the terms and conditions as these will govern any contract which is made at any time after such terms and conditions have been posted to the site.
TERMS AND CONDITIONS
1 Disclaimer
1.1 Policysure's relationship with you is as an introducer of the participating insurers only and no contractual relationship arises between you and Policysure out of any contract of insurance entered into through this Site. Details of the insurances or other services available through this Site and of the terms and conditions relating to such insurances or other services are provided by third party participating insurance providers and not by Policysure and accordingly, Policysure itself makes no representations or warranties about the accuracy, completeness, satisfactory quality or suitability for any purpose of:
(i) the information contained in the pages and related graphics published in the Site; or
(ii) any of the products of whatever nature details of which appear on the Site.
1.2 Policysure assumes no responsibility and shall not be liable for any damages to or viruses that may infect, your computer equipment or other property on account of your access to, use of or browsing in the Site or your downloading of any materials, data, text, images, video, or audio material from the Site.
1.3 All such documents and related graphics are provided, and such products (where ordered) are accepted by you on an “as is basis”. Your statutory consumer rights are not affected.
1.4 Although using the latest encrypted security software from a market leader, the security of information and payments transmitted by the Internet cannot be guaranteed. Any losses incurred or sustained by users who transmit information by means of e-mail or other Internet link will be borne solely and exclusively by such user and in no event will any such losses in whole or part be borne by us.
1.5 All brand names, product names and titles used in the Site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of the above and moreover any such use may constitute an infringement of the holders’ rights.
1.6 This website is intended for general insurance business only and is not intended to promote or give access to any form of investment business including investment products or investment services. Policysure has no commercial interest or control over any investment services or investment business offered by any participating insurer nor over the content of any linked sites which may incorporate or promote investment services or investment products.
1.7 The Internet is an inherently unstable medium and errors, omissions, interruptions and delays of service may occur at any time. This may result in an insurance proposal being held up and not presented to an insurer, a delay in supplying an insurance quotation pursuant to your proposal or a delay in obtaining confirmation of insurance by way of a cover note. Where any such errors, omissions, interruptions or delays occur as a result of anything happening which is not under the reasonable control of Policysure, Policysure shall not be liable to you for any loss or damages which you may suffer as a result of such errors, omissions, interruptions or delays.
1.8 Nothing in these terms and conditions affects your statutory rights as a consumer or will exclude or restrict Policysure's liability for personal injury or death arising out of the negligence of Policysure.
2 Material You Provide To Us
If you send ideas, remarks, questions, data, graphics or the like (“Submissions”) to the Site, these will be deemed to be non-confidential and we will be entitled to use or disclose the Submissions in any manner whatsoever, without liability or notice to you. Furthermore, Policysure shall be free to use any Submissions for any purpose whatsoever including but not limited to, developing products and services for sale using such information subject only to our privacy policy set out in clause 5 below. Submissions or any other information you send to the Site should not be, or contain material which is, offensive, pornographic, defamatory, blasphemous, unlawful or likely to infringe any applicable law. You agree that all material submitted to us is original to you, and not copied in whole or part from any third party. Please do not send anything which is required to be kept confidential or which you do not wish us to use.
3 Linked Sites
3.1 We are not responsible for the content of any off-site pages or any other sites linked to the Site nor have we reviewed any such site. These links are not endorsements of those sites. If you link to any off-site pages or other sites, such action will be at your own risk. We cannot be held responsible for the contents of any web site which is electronically linked to the Site and which is not maintained by us. Policysure.com is not a party to any policy of insurance or other contract made through any off-site pages or other sites electronically linked to this Site.
3.2 Each section comprising the Site contains details of the terms and conditions as well as the services provided under policies of insurance provided by third party participating insurers. These pages are to be treated as off-site pages or linked sites and the disclaimer contained in clause 3.1 of this clause, applies to them. You are advised to verify the accuracy of any information set out there before relying on it and to seek clarification or further details as you may require from the relevant insurance provider.
4 Copyright
4.1 All Site design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software (including applets) and all other material on this Site are the copyright of Policysure and its affiliates and participating insurers, or their content and technology providers. ALL RIGHTS RESERVED.
4.2 Permission is granted to electronically copy and to print in hard copy portions of the Site for the sole purpose of making an insurance proposal through the Site or using the Site to obtain information on insurance products available through Policysure. Any other use of materials on this Site, including reproduction for purposes other than those noted above, or any modification, distribution, or reproduction thereof without our prior written permission is strictly prohibited.
5 Privacy Policy
5.1 At Policysure we are committed to protecting your privacy and to full compliance with the Data Protection Laws applicable to the UK. We use the information collected from you/your proposal form only to process and broker insurance proposals and to provide a more personalised service.
5.2 When you make a proposal for insurance through the Site you will need to provide details about yourself and the risk of cover required, we need to know your name, address, age and other personal details about you and any other persons included in the proposal. This allows us to process your proposal. We do not sell, transmit or pass on any of your proposal details to any third party company. The only exception being the actual insurer, underwriter, carrier or subagent who will be administering your policy.
6 Online Security
Although using the latest encryption technology to protect your credit/debit card details and all your personal information, the security of information and payments transmitted by the Internet cannot be guaranteed. Any losses incurred or sustained by users who transmit information by means of e-mail or other Internet link will be borne solely and exclusively by such user and in no event will any such losses in whole or part be borne by us.
7 Credit Card Payments
You may make payment by credit card in which event, credit card information is not stored on any part of our Site. Payment by credit card or otherwise will be due upon your acceptance of any quotation and is a condition of the insurance. You may have the option of purchasing insurance without submitting your card details but no cover can be put "on risk" until payment in cleared funds has been received and acknowledged in writing by or on behalf of the relevant insurer.
8 Quotations and Contract Formation
8.1 The content of our Site constitutes an invitation to treat and not an offer to insure. Policysure is an introducer only and does not itself provide insurance. Your completed proposal form submitted via the web is likewise an invitation to treat. Upon receipt of your proposal, Policysure shall be entitled to submit the information contained on your proposal to insurers in order to process your proposal and obtain quotations. Any quotation made on your proposal shall constitute an offer made by the insurer specified in the quotation; capable of acceptance or rejection by you in accordance with the instructions provided on screen. The offer will be deemed to include the terms and conditions of the relevant insurer set out or referred to therein.
8.2 The insurance company gives all quotations on the basis of your insurance proposal/application form and acceptance and subject to any other terms set out in the insurance company’s terms. It is the proposer’s responsibility to answer all questions honestly and correctly and to disclose any material facts in the utmost good faith. No cover will be put on risk unless we are in receipt of a fully completed proposal form acceptable to the insurer and full payment has been made as instructed on the Site.
8.3 You are warned that before accepting a quotation you should first read and understand the terms and conditions relating to that policy. The terms and conditions relating to the policy of insurance are accessible as instructed on the relevant part of the Site.
9 Policy Documents
Policy documents will be issued to policyholders by the relevant insurer at the address stated on the proposal form. All policies and documents must be checked by you/the policyholder for accuracy and suitability. You are advised that any errors should be are notified to the issuing insurer promptly and in accordance with any terms of the policy.
10 Refunds
You may be entitled to a refund in the event that an insurance policy does not meet your requirements but this will depend on the relevant insurance terms and on your following any claim procedure set out in those terms for refunds. Your rights as a consumer are not affected.
11 General
11.1 The products and promotions and services available through this site are only available in the United Kingdom excluding Northern Ireland and any offer or invitation constituted by this Site is available only for acceptance or response by United Kingdom residents accessing the Site from any part of the United Kingdom excluding Northern Ireland. Policysure is unable to provide quotations or insurance cover for UK residents temporarily abroad or to any non-domiciled persons. Insurers may at their sole discretion decline to offer insurance cover in some parts of the United Kingdom
11.2 If any part or parts of these terms and conditions are deemed invalid, void or unenforceable, then that part or those parts will be considered severable from these terms and conditions thereby not preventing the remainder from being enforceable or effective.
11.3 These terms and conditions may be revised at any time and we reserve the right to do so.
12 Governing Law
Your use of this Site and any purchase by you on this Site of any products will be governed by English Law and will be deemed to have occurred in mainland United Kingdom.
Further Information
Any further information may be requested from:
Policysure Limited
11 Billing Road
Northampton
NN1 5AW
Tel: lo-call: 0845 1200 550 Fax: lo-call: 0845 1202 799 Email: info@policysure.com
