Terms and Conditions

Terms & Conditions

By using this website you agree to the following terms. Please read them carefully. In these conditions of use ‘our’, ‘we’, ‘us’ means the following companies together: Smarter Insurance; and any named preferred supplier.

Name & Registered Office

Smarter Insurance,
Adlington House,
Adlington Road,
Bollington,
Macclesfield,
Cheshire,
SK10 5HQ

Company No. 01393740
Country of Origin: United Kingdom
Telephone: 0845 607 0515
E-mail: info@smarter-insurance.co.uk

Your responsibility

In order to get a quote for an insurance or financial services product, you will need to answer a number of questions on our site which cover the full set of questions needed by all the different underlying insurers and financial service providers [and any intermediaries they use]. The answers you give will determine the amount you pay and the level of cover you receive.

[They will also affect the selection, by our technology, of which policies of insurance or other financial services products are most suitable for you.] If you want to obtain a variety of quotations to cover different circumstances (for example, with you accepting a higher excess, or including or excluding a teenage son or daughter as an additional driver), you will need to complete a separate form for each variation you require.

You must get permission from any other people about whom you propose to provide information in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

Please resist any temptation to be anything less than completely honest. It is very important that you answer all questions truthfully and that you disclose all relevant facts. If you do not provide your insurer or financial services provider with the information they have asked for, or fail to tell them about any circumstance likely to influence the insurer’s/provider’s assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your insurance or product. Any failure on your part to supply complete and accurate information could have serious repercussions. If you are in any doubt whether any information is relevant, you should tell your proposed insurance or financial services provider before you accept their quotation.

Quotations are subject to acceptance by the underwriters. Your premium includes, where it is applicable, Insurance Premium Tax levied by the Government at the prevailing rate. Quotations are only valid at the time that they are given.

Residency requirement

Your answers to the questions should be given to the best of your knowledge and belief. Withholding or supplying false information could result in the policy becoming voidable or result in additional premiums. Our policies are applicable only to businesses located in Great Britain and the Isle of Man and the Channel Islands. In the case of personal accident policies cover relates to residents of those territories.

By requesting any quote, you are confirming that you, your property/business/vehicle/ possessions and any other relevant individuals meet the insurer’s/financial services provider’s requirements and that you will immediately notify them if any of those requirements cease to be met.

Legal exclusions and limitations

We take care to ensure that the information contained in this website is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without 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 the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

We reserve the right, at any time and without notice, to revise the contents of this site including these conditions of use. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change, you will signify that you agree to be bound by the revised conditions.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us.

Governing law

The content of this site and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the insurance contract written through Smarter Insurance shall be subject to the law of England and Wales and the exclusive jurisdiction of the courts.

If any of these provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Force majeure

We shall not be liable to you for any breach of these conditions of use or any failure to provide, or any delay in providing, our services through our site that results from any event or circumstance 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

The contents of this website (including but not limited to the text, graphics and sounds) are the copyright of Smarter Insurance and may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without prior written consent of Smarter Insurance.

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, solely for the purpose of using the site to seek a quote or buy products and services. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

Links to other websites

In this website certain links, including hypertext links, will lead you to websites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads.

We accept no responsibility or liability for the content of other websites. If you are redirected to another website via our website, you will need to contact that organisation separately to remove your details from their records. No one may link into this site without prior written consent.

Continuous Cover

In some instances, when taking cover with us, your policy may be eligible for continuous cover. This means your policy will be automatically renewed upon expiry, for another 12 month period. If this is the case, you will be contacted shortly before your renewal date to confirm your circumstances and payment details

January 2010