TERMS & CONDITIONS AND IMPORTANT LEGAL INFORMATION

1. Introduction

This site is owned and operated by Insurance Republic ("we", "us" or "our").
PLEASE READ THESE TERMS AND CONDITIONS OF USE ("Terms") BEFORE USING OUR SITE. By using our site you are agreeing to be bound by these Terms. If you don't wish to be bound by what you read below, you should not use this site. We may make changes to these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure that you are aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our site after the posting of changes to these Terms, it means that you accept any such changes.

2. General

This site is directed to users in England and Wales only unless otherwise specified for specific items posted on this site. These Terms shall be governed by the laws of England and any dispute between us will be resolved exclusively in the Courts of England. If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

3. Use of this website

You agree to use this Website for lawful purposes only, and in a manner which does not infringe the Rights of, or restrict or inhibit use or enjoyment of the Service by any other persons. The Website must not be used fraudulently or in connection with a criminal offence, or to impersonate others or in a manner which conceals identity.
In order to purchase any product you must be, and you represent and warrant that you are, at least 18 years of age. You may buy an insurance policy on behalf of someone under the age of 18 years of age. The Website is accessed via a telecommunications dial-up connection. You are responsible for the provision of and payment for telecommunications services plus a suitable PC, modem and any other items of hardware or communications equipment necessary to enable you to access the Website. In no circumstances will we be able to issue refunds against charges you incur for such items or services. You are responsible for the costs incurred in contacting the Customer Services Call Centre and in no circumstances will we be able to issue refunds against these charges.

4. What we do

The terms and conditions that apply to our insurance policies are set out in the policy wording. We act as intermediary between you and the insurer. The quotations provided on this site are intended as an indication only of the likely premium based on the information you provide. They are not binding quotations. If you decide you wish to buy an insurance policy, then we will ask you to confirm the information you have provided. If you fail to disclose any relevant information, or if you provide any inaccurate information, this may invalidate your insurance policy. If you provide us with information about other people, then it is your responsibility to check that the information you provide is accurate and that the other people have given you permission to give their information to us. When you complete the Payment Details section of the site, we will treat this as your proposal of insurance. You are not insured until you receive confirmation from us that we have accepted your payment and proposal. The decision as to whether to offer you insurance is at our discretion. We may cancel your insurance policy before the start date of the policy at any time and for any reason which we do not need to give you. We may also cancel your policy even if it has already started for reasons such as fraud or any other reason we deem sufficient. If we choose to do this we will inform you using the email address you provided at the time of purchase that your policy has been cancelled but we do not need to give you the reason. You should keep a copy of all information submitted to and/or received from us for your own records.

Customer Service: There may be occasions where you feel we have not met your expectations. In this event please contact our Customer Services department and we will do our best to resolve any problems for you. If we are unable to resolve the matter to your satisfaction, please write to us at the address on our contacts page. However please note that we will not refund the insurance premium (either in full or part) after the Policy Schedule has been issued other than under our refund policy as stated in our FAQ's in the 'help centre' section of this website.

Auto-Renewal of Annual Multi-Trip Policies: To ensure you receive continuous cover, we operate an auto-renewal process for Annual Multi-trip policies.  Auto-renewal means that your travel insurance policy will be automatically renewed at the end of your policy. If you wish to cancel the auto-renewal of your policy you must contact us prior to the renewal date.

5. Information in this site

We provide regularly updated general information with our views. The information we provide does not address your individual requirements. In particular, our information does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific decisions. Given that the impact of any information expressed on our site can vary widely based on your particular circumstances, you should always carry out your own research.

Whilst we aim to ensure that the information contained in this website is accurate, we give no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site. If we need to change the content of the site from time to time then your continued use will be deemed as acceptance of the change. However, we will not change the terms and conditions that apply to your policy during its term and we will inform you before you renew your policy if any of the terms and conditions of the policy have changed. You acknowledge that there are technical limitations which affect the performance and availability of the site. The need for us to carry out regular maintenance and conditions affecting transmission and communication that are outside our control mean that at times this site may be temporarily unavailable.

6. Links

Our site may include details on, or links through to, information provided by other websites. We provide these links for your assistance and information and the provision of these links does not signify that we endorse or recommend such websites. We do not control the accuracy or completeness of that information. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website please read their contract carefully before deciding to buy. Your contract for those products or services will be with them.

Generally links included on this site are not affiliated however on occasion some links may be affiliated. Affiliated links take you directly or indirectly to a product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to their site or purchasing a product from them.

Some links will take you to the sites of insurers or insurance intermediaries.
You are welcome to link to our site if you comply with the terms set out in this section and all applicable laws. Any site or service that links to our site:
* can display our Logo but must not otherwise use any of our trade marks without our written consent;
* must not remove, distort or otherwise alter the size or appearance of our logo;
* may link only to our homepage unless we have given you our prior written consent;
* must not in any way imply that we are endorsing it or its products or services;
* must not mis-represent its relationship with us or present false information about us;
* must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does not comply with all relevant laws and regulations;
* must not be a site or service that contains content that could be considered distasteful or offensive.
If you breach these terms, then we have the right to require that your link is removed and to take whatever other action we think appropriate.

7. Our content

All the content on this website including its design and logos and the Insurance Republic brand were created by Lime Street Media and are protected by UK and international copyright laws © IMF Ltd. You are allowed to use the content for personal, non-commercial use only. You may make one copy of extracts from this site on any single computer for personal, individual use only, provided that all copyright and proprietary notices are kept intact. Apart from that, none of the content may be republished, posted, transmitted, stored, sold, distributed or modified without prior written consent. All brand names and trade marks that appear on this site are trademarks or trade names of their respective holders. No permission is given in respect of the use of any of these brands or marks and any such use may constitute an infringement of the holder's rights.

8. Your content

You own any copyright in the text that you post to our forums. However, when you post text, you expressly grant us a perpetual, unlimited free license to republish that text on our site and to redistribute/make available and/or sell that text in print or electronic form anywhere in the world as part of an edited compilation or otherwise.

9. Security & personal data policies (click here to view our Privacy Policy)

We collect information about our Customers in order to help us continually improve the service we offer. We will always endeavour to protect your information and provide you with a secure, efficient and easy to use service. We adhere to guidelines and requirements of the Financial Services Authority (FSA) and the Data Protection Act. All data collected is held on secure servers within the United Kingdom. To ensure that you are the only person who can access your data you will be issued with a login and password. You are responsible for the security and proper use of all this access information. Keep the information confidential, make sure you are not being overlooked when you are logging in. Never give your access information to unauthorised people. You must inform us immediately if you have any reason to believe that your access information has become known to someone not authorised to use it or if any access information is being or is likely to be used in an unauthorised way. If we have reason to believe that there is a likely breach of security or misuse of the Website we may change any or all of your access information immediately and will notify you accordingly. For security purposes we are unable to retrieve your access information. Never leave your computer unattended while you are logged in and change your passwords regularly. Never send e-mails with your access information or other information that could help another person access your Portfolio.

10. Disclaimer of warranties and liability

We provide our site in good faith but we can not and do not warrant the completeness, truth or accuracy of the information or other content or postings found on our site, or their usefulness for any particular purpose. You acknowledge and agree that you bear full responsibility for your own research and decisions and that we shall not be liable for any action that you or others take or don't take based on your use of or reliance on information provided by us or other users of this Site.

We do not promise that your access to our site, or its content will be delivered uninterrupted, timely or error-free, or that the site will be free from viruses or other harmful properties. It is your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our site are free from such contaminations or other harmful properties. You agree that under no circumstances will we be held liable for any direct, indirect, incidental or other type loss or injury resulting from your use, or downloading of any content on our site.

11. Indemnity

You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensors from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our communication forums or via our communication systems, any actions you take which disrupt access to and/or the functioning of our site or any breach by you of your obligations under these Terms.

Published: 1 December 2009

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