Website terms of use & Online Multi-Quote & Buy System

The following sets out our terms and conditions, please read these carefully. By using this site and the online quote and buy system you agree to the following terms. If you do not agree, please exit this website.

Variations/Additional Terms

From time to time we may amend these terms and conditions without notice. You must therefore revisit this page on a regular basis for updated terms and conditions as you will be bound by these when using this site.

There may be additional terms and conditions which apply to products and services offered on this site. We will draw your attention to these whenever you browse or apply for these products or services.

Your responsibilities

So that you are able to obtain a quotation for an insurance or financial services product, you will need to answer a number of questions on our site. The answers you give will determine the amount you pay and the level of cover you receive.

It is important that you answer all questions accurately and that you disclose all relevant facts. If you do not provide your insurer or financial services provider with the information that they require or fail to tell them about changes or circumstances that are likely to influence the insurer’s/provider’s assessment of the risk, it could invalidate your insurance or product. If you are in any doubt about whether information supplied is relevant, please contact us on 03333 444 585, we will be more than happy to assist you.

By obtaining a quotation, you are confirming that you, your business and any other relevant individuals will meet the insurers’ requirements and will immediately notify us if any of those requirements cease to be met.

You should read and check all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention should be paid to terms and conditions of your policy as failure to comply with these conditions could invalidate the policy.

In the event of a claim, you should take note of the required procedures and guidelines stated in your policy documentation. And you must also note that you have an obligation to take reasonable steps to mitigate any loss or damage incurred.

Sales of Insurance Products

Policies are underwritten by either the sole insurer clearly stated on the website or by an insurer chosen by you. At the time of the quotation, the decision as to whether the insurer wishes to offer you the insurance cover is at the insurers’ discretion. All quoted premiums are subject to Insurance Premium Tax levied by the Government at the prevailing rate of 9.5% effective from 1st November 2015.

If the automated system is unable to provide you with a quotation, you will be asked to answer further questions. Your responses will then be sent over to the underwriters who will assess your application and decide whether or not they can provide you with an online quotation. If they choose not to accept you, your application will be brokered in the traditional manner and one of our brokers will contact you. You may be asked to complete a proposal form.

Once the insurance has been effected, (usually as soon as payment has been approved) you will receive an email with your policy schedule, relevant wordings, your proposal form and our own information sheets. You must confirm receipt of these documents. A link is sent to you in the email to enable you to confirm receipt automatically. You should keep a copy of all information submitted to or received from us for your own records.

Payment & Fees

We are either paid by the insurer(s) or the underwriter(s) with whom you have placed your insurance with. Should you require any further information about any commission received, please confirm this in writing.

My Business Cover is an appointed representative of Professional Insurance Agents Limited who are authorised and regulated by the Financial Conduct Authority. My Business Cover does not hold client money.

You may pay your insurance premium by credit or debit card payment and will be taken to secure servers of one of our online payment providers, sage pay or secure trading. Your card details are not stored but are passed onto a third party for payment processing.

Our documents and renewal notices are despatched to you via email. In the event you would prefer for us to send you a hard copy we may apply an additional fee to cover our administration costs. This will also apply to mid-term adjustments and cancellation requests.

Cancellation

Non-Payment

Where payment is not received, the insurer shall be entitled to terminate the policy or withdraw its quotation with immediate effect.

If you want to cancel within 14 days ‘Cooling Off Period’

We hope you’ll always tell us first if something’s not right, but here’s what to expect if you do decide to cancel your policy: You’ll receive a full refund if you cancel your cover within 14 days of setting it up (the ‘cooling-off’ period).

After this period, you may cancel the insurance by giving us 30 days written notice of your intention to do so. The insurer may cancel your policy by giving us written notice; the duration of which will be detailed in the policy wording, which we then forward onto you immediately.

Beyond the 14 day cooling off period

Beyond the 14 day cooling off period, cancellation terms may differ between insurers. Some insurers may be willing to return a pro-rata premium of up to 3 or 6 months after inception of the policy. However, after this period no refunds will be given. Any refunds may take up to 60 days to process.

Renewals

Renewals – if you don’t want to renew your insurance

When your insurance policy comes to an end, we will automatically renew it for you. We will always notify you of the policy details, the premium before commencement of your new policy.

If you decide you not to go ahead with your new policy at renewal, just let us know before your renewal comes to an end. Remember to arrange new cover elsewhere – assuming you still require insurance if your policy comes to an end with My Business Cover.

This does not affect your right to cancel in line with My Business Cover cancellation policy.

Renewal – if we decide not to renew your insurance

Should your insurer decide not to invite you for renewal or if something changes and we decide not to renew your policy, we will always let you know in writing before the expiry of your renewal.

Claims

If you need to make a claim, you can notify us of your claim by contacting us on 03333 444 585 or by sending an email to [email protected] along with your policy number, full details of the claim, including the date, amount and circumstances of the loss.

You can also register your initial claim notification online. When registering a new claim please provide My Business Cover with as much detail as possible.

Legal Exclusions & Limitations

Every effort is made to ensure our site is accurate and up to date. However, we make no representations or warranties about the accuracy, completeness, reliability of the information and any related graphics published on this site which may contain technical inaccuracies and typographical errors.

When you obtain a quotation online you agree that you understand and accept that we are not providing you with any legal or professional advice nor are we giving you opinions on specific facts or matters.

When using this site you also accept that neither we nor any of our directors, employees or agents are liable for damages arising out of or in connection with the use of this site or of the information contained in it. This is a comprehensive limitation of liability that applies to all damages of any kind, including (within limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims.

However, nothing shall exclude or restrict liability for death or personal injury resulting from negligence on our part and that of our directors, employees or agents. And nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or of any current or future Financial Services Legislation being proposed.

We reserve the right at any time and from time to time to revise our conditions of use and contents on this site. You will be notified of changes made to these conditions and are bound by such revisions by continuing to use our site once a change has been implemented.

We can give no warranty that our site or its contents are free from viruses or if they contain any contaminating or destructive properties. If you are in any doubt as to the validity of information made available on these pages or are relying on this information, then it is in your best interest that you contact us.

Regulation

My Business Cover is an appointed representative of Professional Insurance Agents Limited. Authorised and regulated by the Financial Conduct Authority for arranging general insurance contracts in the UK; reference number 305328.

You can check this information on the FCA’s register or by visiting the FCA’s website – www.fca.org.uk/register

Complaints

My Business Cover aims to provide you with the highest standard of service every time. However, if you are not happy with something we want to hear from you so that we can put things right.

We record all complaints to ensure matters are dealt with properly and that action is taken to avoid a similar problem arising in the future. If you wish to register a complaint email [email protected]

Beyond Us

Should you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS). You have six months from the date of our final written response to refer your complaint to the FOS. Please note that this does not affect your legal rights to take action.

If we are unable to resolve your complaint you may refer your case to FOS at the following address:

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR

Tel: 0300 123 9123 or 0800 023 4567

Website: http://www.financial-ombudsman.org.uk

Is this insurance covered by the Financial Services Compensation Scheme (FSCS)

You may be entitled to compensation from the FSCS if we unable to meet our liabilities.

Non-Compulsory Insurance (e.g. home and general)

The maximum level of compensation for claims against firms declared in default on or after 1 January 2010 is 90% of the claim with no upper limit.

The maximum level of compensation for claims against firms declared in default before 1st January 2010 is 100% of the first £2,000 plus 90% of the remainder.

General Insurance Advice and Arranging

The maximum level of compensation for claims against firms declared in default on or after 1 January 2010 is 90% of the claim with no upper limit.

The maximum level of compensation for claims for business conducted on or after 14 January 2005 and against a firm declared in default before 1 January 2010 is 100% of the first £2,000 plus 90% of the remainder. Advice and arranging of compulsory insurance from the same period is protected in full.

Please contact us for more details.

Jurisdiction

Our terms and conditions, content produced on this site and products and services offered by us are governed by the laws of England and Wales and will be interpreted in accordance with the English Courts, unless otherwise agreed. If you live in Scotland, these conditions of use will be governed by Scottish law and the Courts of Scotland.

If any of our provisions are found to be unlawful, void or unenforceable, then that particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Data Protection

Our usage of your personal information is governed by our privacy policy which forms a part of our terms. Please read the privacy policy with the Data Protection Act 1998 before proceeding. By providing us with your personal details, you are consenting to its use in accordance with our privacy policy.

You may at any time request for us to make available a copy of the personal information we hold on you. You will be charged a small fee for retrieving this information from our systems.

Force Majeure

Any delay, failure in performance or breaches of any of the conditions of use on this site shall be excused in any event/circumstance that is beyond our reasonable control. This includes without limitation – strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Copyright & Intellectual Property Rights

Content produced on this website (including but not limited to the text, graphics and sounds) are either the copyright of My Business Cover or of a third party that has given us permission to use them, and may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way.

All design, text, graphics and their selection or arrangements are the copyright of third parties or us. Permission is granted to copy electronically and to print in hard copy portions of this site to seek a quotation or buy our products and services. Any other use of materials on this site, (including reproduction for purposes other than those noted above, alterations, modifications, distribution or republication) without prior written consent is strictly prohibited.

Third Party Websites

Certain links, including hypertext links on this site will lead you to websites that are not under the control of My Business Cover. We provide links to third party websites for your assistance and convenience.

Once activated, these links take you out of our site. We cannot take responsibility for or endorse the content or availability of any third party site and are not liable for any loss or damage suffered when you are activated on their site. If you are redirected to another website via our website, these sites will have their own terms and conditions of use and you must contact them to have your details removed from their records.

Contacting Us

If you have any questions regarding these terms of use or if there is anything else that you would like to ask us, you may contact us by emailing [email protected]