Terms and Conditions
Please read these terms carefully before using this
site.
This Web site is provided by Universal Group (UK) Ltd
(Company Registration Number - 05425074) of which Business Insurance Direct is
a trading style and may be used for information purposes only. By using the
site or downloading materials from the site, you agree to abide by the terms
and conditions set forth in this notice, If you do not agree to abide by these
terms and conditions do not use the site or download materials from the site.
Intellectual property rights, either owned by Universal Group Ltd or a 3rd party
that has given us permission to use them.
Should you experience any temporary unavailability of
the site due to maintenance or updates you can contact us on 0870 609 3656 for
a quotation or to ask an insurance related question.
Jurisdiction and Law
This site is directed at UK residents only and
applications from non-UK residents will, unless otherwise stated, not be
accepted. These terms and conditions shall be governed by and construed in
accordance with the Laws of England and Wales.
Security and Privacy Policy
The Business Insurance Direct Privacy
Policy forms part of these Terms and Conditions.
Once you have purchased your business insurance cover
online you will receive confirmation in the form of an email. Please ensure you
maintain a copy of all communication from Business Insurance Direct for your
records. Your Certificate of business insurance and your policy booklet will be
sent to you by return post.
Limited License
Subject to the terms and conditions set forth in this
Agreement, Business Insurance Direct grants you a non-exclusive,
non-transferable, limited right to access, use and display this site and the
materials thereon. You agree not to interrupt the operation of the site in any
way.
Business Insurance Direct authorises you to view and
download the information ("Materials") at this Web site ("Site") only for your
personal, non-commercial use. This authorisation is not a transfer of title in
the Materials and copies of the Materials and is subject to the following
restrictions: i) you must retain, on all copies of the Materials downloaded,
all copyright and other proprietary notices contained in the Materials; ii) you
may not modify the Materials in any way or reproduce or publicly display,
perform or distribute or otherwise use them for any public or commercial
purpose; and iii) you must not transfer the Materials to any other person
unless you give them notice of, and they agree to accept, the obligations
arising under these terms and conditions of use. You agree to abide by all
additional restrictions displayed on the Site as it may be updated from time to
time. This Site, including all Materials, is copyrighted and protected by
worldwide copyright laws and treaty provisions. You agree to comply with all
copyright laws worldwide in your use of this Site and to prevent any
unauthorised copying of the Materials. Except as expressly provided herein,
Business Insurance Direct does not grant any express or implied right to you
under any patents, trademarks, copyrights or trade secret information.
Disclaimer
The materials may contain inaccuracies and
typographical errors. Business Insurance Direct does not warrant the accuracy
or completeness of the materials or the reliability of any advice, opinion,
statement or other information displayed or distributed throughout the site.
You acknowledge that any reliance on any such opinion, advice, statement,
memorandum, or information shall be at your sole risk. Business Insurance
Direct reserves the right, in its sole discretion, to correct any errors or
omissions in any portion of the site. Business Insurance Direct may make any
other changes to the site, the materials and the products, programs, services
or prices (if any) described in the site at any time without notice.
This site, the information and materials on the site,
and the software made available on the site, are provided "as is" without any
representation or warranty, express or implied, of any kind, including, but not
limited to, warranties or merchantability, noninfringement, or fitness for any
particular purpose. Some jurisdictions do not allow for the exclusion of
implied warranties, so the above exclusions may not apply to you.
Third Party Websites: This website may contain
hypertext links to websites operated by third parties. The responsibility for
the operation and content of those websites shall rest solely with the
organisation identified as controlling the third party website and will be
governed by separate terms and conditions. When you activate these links you
leave our website. Links are provided for convenience and inclusion of any link
does not imply endorsement in any way of the site to which it links. We accept
no responsibility or liability for the contents of any linked websites.
Virus Protection: We make every effort to check and
test material published on this website at all stages of its creation. It is
always wise for you to run an anti-virus program on all material downloaded
from the Internet. We cannot accept any responsibility for any loss, disruption
or damage to your data or your computer system which may occur whilst using
material derived from this website.
Complaints Procedure
Business Insurance Direct is a trading style of
Universal Group (UK) Ltd, an appointed representative of Europa Group Ltd who
are authorised and regulated by the Financial Services Authority (FSA).
Our FSA Number is 309794. You can check our
registration details and find out more about the FSA by visiting their website
on www.fsa.gov.uk or by
contacting them direct on 0845 606 1234.
Business Insurance Direct's prime objective is to
satisfy customer requirements by providing a consistent, competitive and
efficient level of service. If there are occasions when we do not meet your
standards then please contact our Customer Services Department immediately.
Our Customer Services department can be contacted
using any of the following:
Telephone: 0870 609 3656
Email: customerservice@bidirect.co.uk
Mail: Customer Services, Business Insurance Direct, PO Box 2001,
Thornbury BS35 2FD.
If you are still unhappy please contact the Compliance
Manager who will investigate and do his best to settle the issue for you -
Compliance Manager.
If after this, you feel the complaint remains
unresolved, you may be entitled to refer it to the Financial Ombudsman Service.