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Website terms 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 Terms and Conditions of Use of the Tempcover Ltd Website and its systems. Please read these Terms carefully. Your use of our Website will be subject to these Terms. By proceeding with access to our Website, you are deemed to have accepted these Terms. If you do not wish to adhere to these Terms, you should not use our site.  


Your use of any information or materials on this Website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this Website meet your specific requirements. 


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.  


Unauthorised use of this Website may give rise to a claim for damages and/or be a criminal offence. 


These are the Terms and Conditions of Use of the Tempcover Ltd Website and its systems. 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 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. This is called a ‘soft search’.  


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 agreeing to the Insurer’s terms and conditions of cover as laid out in 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 Terms and Conditions of Use of the Tempcover Ltd Website and its systems 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. 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, email correspondence and any other methods of communication such as our live chat facility accessible through, or discernible from, this Website will be recorded and monitored for quality control and training purposes. By using such communication methods, you are consenting to the recording and monitoring by us and our Agents 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, such as our Customer Terms of Business, 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 product 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.  


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