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Terms & conditions

Customer terms of business

Tempcover Ltd
2nd Floor Admiral House, Harlington Way, Fleet, Hampshire, GU51 4BB

  1. The Financial Conduct Authority (FCA):

    The FCA is the independent watchdog that regulates financial services. Please use this information to decide if our services are right for you.

  2. Who regulates us?

    Tempcover Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 746985. You can check this at http://www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768. Our permitted business is advising on, arranging and assisting in the administration and performance of a contract of insurance.

  3. Our service

    We are an Insurance Intermediary and as such we act as the agent of our client. However, in certain circumstances we may act for and owe duties of care to other parties. We will advise you when these circumstances occur so you will be aware of any possible conflict of interest.We do not give advice but will provide quotations after we have assessed your insurance needs to enable you to make an informed purchasing decision.

  4. Whose products we offer

    In the majority of cases we will carry out a ‘fair analysis’ of the market in order to identify a suitable product. This means that we will compare products from a sufficiently large range of insurance providers in terms of cover, price, quality of service and other relevant features in order to select appropriate policies for you. If this is not the case we will advise you of the breadth or our marketing prior to inception of the policy.

  5. Remuneration

    We receive commission from insurers which is a percentage of the premium paid by you and allowed by the insurers. In addition, we may charge a professional fee to cover the placing of your insurance. The amount of the charge will always be advised to you before you purchase the policy.We earn the entirety of our commission and/or fees when your risk is successfully placed and take our commission and/or fees immediately upon receipt of payment unless agreed otherwise with your insurer.

  6. Disclosure of earnings

    You are entitled at any time, to request information about earnings that we receive as a result of placing your business. Remuneration is only earned on the basis that it does not detract from our obligation to act in our client’s best interest at all times.

  7. Payment terms

    We only accept payment by Debit, Credit card, PayPal or Amazon. We require full payment of the premium before cover is incepted.

  8. How we will handle your money

    We are the Agent of Insurers for the collection of premiums and hold your money on a risk transfer basis. Any interest, or investment returns, earned on your money whilst in our possession will be retained by us.

  9. Insurers

    Whilst we take every care to check the financial stability of any firm with which we place business, we cannot be held responsible if that firm subsequently ceases to trade.

  10. Treating Customers Fairly (TCF)

    We set high standards for ourselves and it is our intention to treat customers fairly at all times. We have appointed Nikki Carr to oversee TCF within this firm. If at any time you feel that you have not been treated fairly please contact us in order that the matter may be addressed.

  11. Prevention of bribery

    It is our intention to meet the requirements of the Bribery Act 2010. We have appointed Nikki Carr with overall responsibility for the prevention of bribery. If, at any time, you feel that we have not acted in a way that meets the requirements of the Bribery Act 2010 you should contact us immediately.

  12. Your duty to provide information

    It is your duty to take reasonable care to answer all questions honestly and to the best of your knowledge. If you do not, your insurance policy may be cancelled or treated as if it never existed or your claim may be rejected or not paid in full. It is important that all statements you make on proposal forms, claim forms and other documents are full and accurate. Failure to provide requested information to your insurers could invalidate your insurance cover and mean that part or all of a claim may not be paid.

  13. Claims

    As part of our service we can assist you with any claim you need to make. When you first become a customer, we will give you details of how you can make a claim and tell you what your responsibilities are in relation to making claims. If you are ever in any doubt as to what action to take in the event of a claim, please contact us at the address above.

  14. Complaints

    It is our intention to provide you with a high level of customer service at all times. If you should wish to make a complaint about our service, we have a formal complaints procedure. In the first instance you should address your complaint to Nikki Carr, Operations Director. We will supply you with a copy of our complaints procedure upon receipt of a complaint or at any time upon request. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

  15. Financial Services Compensation Scheme (FSCS)

    We are covered by the 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. Full details and further information on the compensation scheme is available from the FSCS.

  16. Confidentiality

    All personal information about you will be treated as private and confidential. We are registered under the Data Protection Act 1998 and we undertake to comply with the Act in all our dealings with your personal data. Your personal information will be kept secure.

  17. Privacy notice

    When you contact us for an insurance quotation we collect the relevant information needed by an insurer to calculate the premium and understand your insurance needs. We collect this information from our website or telephone conversations with you.The information we collect will be passed to insurers to enable them to calculate a competitive insurance quotation to meet your requirements.We will retain any information we have collected about you for up to 6 years after our professional relationship has terminated however, data held electronically may be retained for longer.

    Under the Data Protection Act you have a right to obtain a copy of the personal information that we hold about you. If you believe that any information held is incorrect or incomplete, you should contact us. Any information that is found to be incorrect or incomplete will be amended promptly.

  18. Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud Register

    Insurers pass information to the Claims and Underwriting Exchange Register operated by Insurance Database Services Limited and the Motor Insurance Anti-Fraud and Theft Register compiled by the Association of British Insurers. The objective is to check information provided and to prevent fraudulent claims. Motor insurance details are also added to the Motor Insurance Database operated by the Motor Insurers’ Information Centre (MIIC), which has been formed to help identify uninsured drivers and may be accessed by the police to help confirm who is insured to drive. In the event of an accident, this database may be used by insurers, MIIC and your motor insurer to identify relevant policy information. Other insurance related databases may also be added in the future.

  19. Applicable law

    This Terms of Business document is subject to English Law and the jurisdiction of English Courts.

Website terms and conditions of use

  1. Definition:

    “You/you”: In the case of Agents, “You/you” means the intermediary holding the agency. In the case customers dealing with us direct, “You/you” means the Policyholder and where applicable any additional drivers. “The Company”, “We”, “Us”, “Our” are all terms referring to Tempcover Ltd.

  2. IMPORTANT:

    These are the General Trading Terms of Tempcover Ltd. Please read these Trading Terms carefully. Your use of our Website will be subject to these Trading Terms. When you access and use our site, you agree to the Trading Terms. If you do not wish to adhere to the Trading Terms, you should not use our site.

  3. As a condition of your use of this Website you agree that you will NOT:

    1. Reverse engineer or de-compile (whether in whole or in part) any software at the Website (save to the extent expressly permitted by applicable law).
    2. Disclose, publish, transfer or otherwise make available any of the contents of the Website or information learned by you whilst using the Website without prior written consent.
    3. Enter those parts of the Website that are protected by password unless you have a valid password.
    4. Remove any copyright, trademark or other intellectual property right notices contained in material on the Website.
    5. Make copies, modify or alter (including the creation of HTML links to or from the Website) all or any part of the Website or any materials contained on the Website without prior written agreement.
    6. Publish, post, upload, distribute, disseminate or otherwise transmit, information or pictures that are obscene or pornographic, threatening, menacing, racist, offensive, defamatory, libellous, slanderous or are otherwise unlawful on the Website.
    7. Hack into, deliver viruses or forward chain letters, surveys, contests, pyramid schemes or engage in any other behaviour intended to inhibit any other user from using and enjoying the Website or is otherwise likely to damage or destroy the reputation of the Website.

    These are the General Trading Terms of Tempcover Ltd. Please read these Trading Terms carefully. Your use of our Website will be subject to these Trading Terms. When you access and use our site, you agree to the Trading Terms. If you do not wish to adhere to the Trading Terms, you should not use our site.

  4. Ownership:

    The Website (including the software used to operate it) and the trademarks used in connection with the Website are owned by us. You are not granted any right or interest in these except as stated in these terms. We reserve the right to block access to the Website of any user at any time, either temporarily or permanently, if we deem in our absolute discretion that it is reasonable to do so.

  5. Security/Confidentiality:

    The information you supply will be kept confidential to us and our associated and/or subsidiary companies and the Insurers with whom we deal, save or unless we are required by law to make any disclosure. We have taken care to protect any information that you provide to us. We have used encryption methods to keep your personal information and credit or debit card account details as secure as possible.To prevent fraud and to ensure that we provide our customers with the most competitive quotations, we carry out identity checks for every quotation which we issue. This will not affect your credit history but a note of the check may be recorded.

    If you are an agent then your agent login and password is unique and this helps us to protect your information. Agents will need their agent login and password to access their information on the website. Agents should therefore not disclose either their Agent login or password to anyone. We will accept no responsibility or liability if a third party obtains and uses any agency login or password. Agents must tell us immediately if they have lost their agency login or password, or if they believe a third party may have obtained either of them.

  6. Domicile:

    Our products are available to UK residents and depending on the insurer cover may also be available for overseas visitors, excluding residents of the USA, Canada and Australia. By completing a request for a quotation and ticking the relevant box on the Proposers Declaration, you confirm that you comply to these conditions. The content of the site and the products and services offered by us comply with appropriate UK legislation and regulation.

  7. Copyright:

    The copyright in the material contained in this Website belongs to Tempcover Ltd or its licensed source. We may give permission for any person to copy any part of this material, subject to the following conditions:

    1. The material may not be used for any commercial purposes.
    2. The copies must retain any copyrights or other intellectual property notices contained in the original material.
    3. The products and technology or processes described in this Website may be subject to other intellectual property rights reserved by Tempcover Ltd or by other third parties (and no licence is granted in respect of those intellectual property rights).
    4. Images on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s).

    Anyone wishing to copy any part of the site or any material contained therein should contact us for prior permission.

  8. Terms of Business Agreement (TOBA):

    It is a requirement of any transaction with The Company that the Agent complies with the Terms of Business Agreement between the Company and the Agent. In the event of conflict between anything contained within these General Trading Terms and the TOBA, then the TOBA shall be read as the overriding document.

  9. Changes to Terms and Records of Agreements:

    We reserve the right to change these terms and conditions of use at any time by posting changes on the Website. It is your responsibility to review the Website terms and conditions regularly to ensure you are aware of our latest terms and conditions of use. Your use of this Website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions of use from time to time and a copy of any terms and conditions of use relating to any product or service which you apply for on-line, together with any related application and/or proposal form duly completed and submitted to us (and received by us). Any amendment to any terms and conditions of use must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.

  10. Disclaimer:

    Whilst we have taken care in the preparation of the contents of this Website, this Website and the information, names, images, pictures, logos, icons regarding or relating to us or any of our Group and/or associated and/or sister companies, or the products and services of the same (or to third party products and services), are provided on an “as existing” basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will we and/or our group, sister or associated companies be liable (whether in contract or tort, including negligence or breach of statutory duty or otherwise) for any losses sustained and arising out of or in connection with use of this Website including, without limitation, indirect or consequential losses, loss of profit, loss of data or special loss. We do not represent that the information contained in this Website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in the Website or for any reliance placed by any person or party (including but not limited to any third party) on the information contained herein. We do not warrant that the functions or materials accessible from or contained in this Website will be uninterrupted or error free, that defects will be corrected or that this Website or the server that makes it available are virus or bug free or represent the full functionality, accuracy or reliability of the materials. If any of these Terms and Conditions of Use (or any terms and conditions relating to a product or service referred to in this Website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws or any state or country in which such terms and conditions of use are intended to be effective, then to the extent of such illegality, invalidity or un-enforceability, and in relation to such state or country only, such terms or conditions of use shall be deleted and severed from the rest of the relevant terms and conditions of use and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude our liability for death or personal injury resulting from our negligence.

  11. Headings:

    Headings used in these terms and conditions of use are for convenience only and shall not affect their interpretation.

  12. Jurisdiction and Law:

    We make no representation that any product or service referred to on the Website is appropriate for use, or available in other locations. The information and other materials contained in this Website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK. These Terms and Conditions and any terms and conditions of use relating to products or services described in this Website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

  13. Links to other Websites:

    Certain (hypertext) links may lead you to Websites that are not under the control of Tempcover Ltd. When you activate any of these links, you will leave our Website and we have no control over and will accept no responsibility or liability in respect of the material on any such other Website. By allowing links with third party Websites we do not intend to solicit business or offer any security to any person in any country, directly or indirectly.

  14. Monitoring of Phone Calls/Emails:

    Entirely subject to our Privacy Policy, telephone calls using the telephone numbers provided on this Website and email correspondence with us at the email addresses accessible through, or discernible from, this Website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

  15. Product Terms and Conditions:

    If you apply for any product or service detailed on this Website, these Terms and Conditions of use should be read in conjunction with any other terms and conditions of use which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions of use and the specific terms and conditions relating to such produce or service, the latter shall prevail. For the purposes of these Terms and Conditions of use, product(s) and service(s) shall include, without limitation, any insurance or financial service.

  16. Trademarks:

    The images, logos and names on this Website identify Tempcover Ltd. Nothing contained in this Website shall be deemed to confer on any person any licence or right on the part of the companies mentioned above or any third party with respect to any such image, logo or name.