TERMS OF BUSINESS

Regulation

We, CoverSupermarket.com 141-145 Central Drive, Blackpool, FY1 5EE an appointed representatives of M&J Yates Ltd who are authorised and regulated by Financial Services Authority (FSA) to sell general insurance products. Their FSA register number is 304571 and you can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Our Service to You

In arranging insurance for our customers we act as an independent intermediary and act on you behalf when arranging your insurance. Our service includes: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements and helping you with any ongoing changes you have to make. We offer a range of general insurance products and have access to a number of insures (arrange insurance through one insurer for each product) with whom we place your insurance. We will give you details of these insurers when we discuss your individual requirements.

Complaints

It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet your expectations, please contact Mr M T Yates either verbally or in writing, who will take details of your concerns. We will acknowledge in writing, advising you of our understanding of your concerns and attempt to address them within five working days. If our investigations take longer, we will provide you with an update and a timescale for our full and final response. If we cannot satisfy your complaint, you may be entitled to refer it to the Financial Ombudsman Service. This must be done within 6 months of receiving our full and final response. Please contact us using the following methods:

In writing

Complaints Manager
CoverSupermarket
141-145 Central Drive
Blackpool
Lancashire
FY1 5EE

Phone us

0808 143 44 00*

For our joint protection, calls may be recorded and monitored

Email Us

complaints@CoverSupermarket.com

Whose products do we offer

We offer products from a range of insurers however you will be advised if your product is offered from a limited market or single insurer. A list of insurers is available on Current.Request We will advise and make a recommendation for you after we have assessed your needs. This will include the type of cover you seek together with the costs involved.

Disclosure of Information

It is important that you understand that any information, statements or answers made by you or us, or you insurer, are your responsibility and must be correct. Any failure to disclose facts material to the insurer or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclose immediately. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The disclosure of information not only applies at commencement and renewal of your policy, but also at anytime during the period of insurance.

What will you have to pay for our services?

We reserve the right to make charges, in addition to any insurance premiums, for the arranging, amending, renewing and cancelling any policy of insurance. Details of charges made will be declared in all correspondence with you.

Awareness of Policy Terms

When a Policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms and conditions, please seek our advice promptly.

Ownership

No Insurer owns any of our share capital.

Charges

We reserve the right to make charges, in addition to any insurance premiums, for the arranging, amending, renewing and cancelling any policy of insurance. Details of charges made will be declared in all correspondence with you.

Clients Money (Statutory Trust)

We will hold client money separate from our own money with an approved bank, segregated in a client bank account designated as subject to a Statutory Trust. We act as Trustees of our clients monies and must meet certain legal and regulatory conditions. We reserve the right to keep any interest earned.

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. Insurance advising and arranging is covered for the first £2,000 and 90% of the remained of the claim without any upper limit. Further information about the compensation scheme is available from the FSCS.

Cancellation Rights

If you are a consumer, you may have the right to cancel a new policy within 14 days of when you purchase your policy or of when you receive your policy document, whichever is later, and a renewed policy within 14 days of renewal date. Provided you have not incurred any claims during that period, the insurers will pay a pro-rata refund of premium, subject to a minimum charge, from which we may at our discretion deduct a cancellation fee and claw back commissions.

If you cancel after 14 days, motor insurers are likely to set short-period cancellations rates for calculating refunds.

After the 14 day cooling off period has expired. breakdown, legal expenses and excess reimbursement premiums are non-refundable. If you’re a commercial customer, any right to cancellation will be detail in your policy.

SECURITY AND PRIVACY

Who we are

CoverSupermarket Ltd is a trading name of M & J Yates Limited. For information about our company please telephone 0808 143 44 00

How we protect your data

Whenever you fill in an online quotation form, such as a request for a quote, it is automatically protected using the Secure Socket Layer (SSL) between your computer and ours.

How we use your information and who we share it with

We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers.

Your information includes data about your transactions.

We do not disclose your information to anyone except:

Where we have your permission, where we are required or permitted to do so by law, to other companies who provide a service to us or you or where we may transfer rights and obligations under this agreement.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions) We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents.

Dealing with other people

It is our policy to deal with you the policyholder direct or any spouse or partner who calls us on your behalf, provided they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis please let us know.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

• Checking applications for, and managing credit and other facilities and recovering debt;
Checking insurance proposals and claims;
• Checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

Disclosure of Information

It is important that you understand that any information, statements or answers made by you or us, or you insurer, are your responsibility and must be correct. Any failure to disclose facts material to the insurer or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclose immediately. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The disclosure of information not only applies at commencement and renewal of your policy, but also at anytime during the period of insurance.

SITE TERMS OF USE

Please read the following information carefully before using our site. If you do not agree to be bound by these Terms you must stop using this site immediately.

This site is owned and operated by CoverSupermarket Ltd. Registered in England and Wales at: 141-145 Central Drive, Blackpool, Lancashire, FY1 5EE

CoverSupermarket.com Limited is a trading name of M&J Yates Ltd, which is authorised and regulated by the Financial Services Authority. Our FSA Register number is 304571.

Changes to Terms

We reserve the right to make any changes to these Terms at any time. Please check this page regularly for any changes.

Privacy Policy

All personal information supplied by you will be treated in confidence by CoverSupermarket and will not be disclosed to any third parties except where your consent has been received or where permitted by law. Please click here to view our privacy policy.

International Use

This site is intended for use by UK residents. We do not maintain that materials on our site are appropriate or available for use in locations outside the UK. As such, accessing this site from countries or territories where its contents are illegal or unlawful is prohibited. If you choose to access our site from locations outside the UK, you do so, on your own initiative and are responsible for compliance with local laws.

Intellectual Property

All intellectual property rights are our property, unless otherwise stated. These include copyright in graphic images, buttons, layout, and text contained in the site. You may not copy or distribute our site, except for your own personal use, in whole or in part, without our prior written consent.

Access to our site

Due to the nature of the Internet and the fact that your access to our site involves features outside of our control we are not responsible for any technical problems you may experience with our site. If you do experience technical problems, please use the 'Contact Us' section of the site. Email messages sent over the Internet cannot be guaranteed to be completely secure as they can be intercepted, lost or corrupted. We are therefore not responsible for the accuracy of messages sent from us to you or from you to us over the Internet.

Third Party Sites

Links to third party sites are provided solely for your convenience. We do not endorse or take responsibility for the content and availability of third party sites and we are not liable for any loss or damage that you may suffer by using those sites. If you decide to access linked third party sites, you do so entirely at your own risk.

Disclaimer

Whilst we have taken all reasonable care to ensure the information contained within these pages is accurate we do not guarantee the accuracy or completeness of any information contained on or provided in connection with our site. We are not responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with our site. We shall not be responsible for any loss or damage caused, directly or indirectly, by your use of our site or the information contained on our site.

Applicable Law

These Terms shall be governed by and construed exclusively in accordance with English law. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the English courts and, by using this site; you hereby submit to and waive any objections to, the jurisdiction of such courts.