Terms & Conditions

Who Regulates Us?

Encoreinsure is a trading name of Integro Insurance Brokers Limited of 100 Leadenhall Street, London, EC3A 3BP, authorised and regulated by the Financial Conduct Authority (FCA). Our FCA reference number is 305496. You can check this on the FCA’s register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

What Service Will You Provide Me With?

We will ask you questions to ascertain your insurance requirements and to enable the premium to be calculated. You will then need to make your own choice about how to proceed. You will not receive advice or a recommendation from us as part of our service.

Whose Products Do We Offer?

We offer insurance from a single Insurer (Travelers Insurance Company Ltd) for this product.

Disclosure of Information

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of the policy and at renewal. Failure to disclose material facts may invalidate your insurance cover partially or in full. A material fact is information that may influence an insurer in assessing your risk and should be disclosed as soon as you become aware of it. If you are in any doubt whether information is material, you should disclose it.

Insurance Premium Tax

The Financial Act 1994 requires us to levy Insurance Premium Tax at the prevailing rate (currently 6%) on insurance business.

Policy Excesses

Under some sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying part of the claim.

Policy Documents

Policy Documentation can only be sent via e-mail, and they will be sent within 24 hours of the policy being created or renewed. If the e-mail has not been received or cannot be located within your spam folder after this time period, it is your responsibility to contact us for this to be resent.

It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and conditions as failure to comply with them could invalidate your policy.

You are advised that the full terms and conditions of the policy should be consulted prior to completing purchase.

Renewal

Policyholders will be provided with renewal terms, or notified that renewal terms will not be invited, at least 21 days prior to renewal.

Cancellation

New or renewing customers – if you are not entirely satisfied with your policy, you have 14 days from receipt of your policy documents to cancel your policy and a full refund will be made as long as no claim has been made. We must receive a signed letter of cancellation or an e-mail to this effect and all relevant certificates must be returned.

Existing customers during policy term – if you wish to cancel your policy, you must access the website with your unique log-on details and follow instructions. All relevant certificates must be returned. Please note however that as the duration of our policies is fixed and premiums are paid at inception; pro-rata refunds are not guaranteed in all circumstances.

Claims

We have no authority to settle claims on behalf of insurers.

This section is covered in more detail within the ‘Make A Claim’ section of this website. To make a claim, you should access your account using your unique e-mail address and password and follow the instructions from there to submit your claim electronically and directly to your insurer. We are available on 020 7929 4747 should you need to talk to someone.

In an emergency, and outside of business hours, please refer to the policy wording. We or the Insurer will advise you, as soon as possible, of Insurer’s requirements and next steps to bringing your claim to a close.

What To Do If You Have A Complaint

In the first instance, please write to;

Complaints Department
Integro
America House,
2 America Square,
London
EC3N 2LU

If you need to complain to one of your insurers, then that can be done as below:

In writing:

Travelers Insurance Company
61-63 London Road
Redhill
Surrey
RH1 1NA
UK

or by Telephone: 01737 787787

quoting your policy number or claim reference if appropriate

 

If your complaint has not been resolved to your satisfaction, you can progress your complaint to the Financial Ombudsman Service. The Financial Ombudsman is an independent body that arbitrates on complaints about general insurance products and other financial services.

They can be contacted at:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Website: www.financial-ombudsman.org.uk

The Financial Services Compensation Scheme (FSCS)

If we cannot meet our obligations to you, you may be entitled to compensation from the FSCS. This depends on the type of business and circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, also without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk.

Our Remuneration

We derive our income from commission payable to us by Insurers. Commercial clients are entitled to full details of our remuneration on all our dealings with you.

Residency Warranty

You and anyone on whose behalf you purchase our insurance must be a resident of the United Kingdom.

Governing Law

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any disputes arising out of it shall be subject to the exclusive jurisdiction of English courts.

Confidentiality and Marketing

All personal information about you will be treated as private and confidential. We will use and disclose information in the normal course of arranging and administering your insurance, along with providing details on other products we feel may be appropriate. We will not pass your information to third parties for any marketing purposes. We are registered under the Data Protection Act 1998.

Protecting Your Money

Where we act on insurer’s behalf, we shall hold money as insurer money. Premiums received by us will be treated as having been received by insurers whereas claims payments and/or premium refunds will only be treated as having been received by you when they are actually paid to you.

Availability of Site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times. Access may be suspended or restricted to allow for repair or maintenance or for the introduction of new services without notice.

Site Access

To obtain access to certain online services you may be given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential.

Disclaimer

Whilst we have taken all reasonable steps to ensure that the information contained within the pages of this Site is accurate, current and complies with the relevant legislation and regulations as at the date of issue, no warranty is given and no representation is made regarding the accuracy of or completeness of the content of the Site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no warranty is given that this Site shall be available on an uninterrupted basis and no liability can be accepted in respect of losses or damages arising out of changes made to the content of this Site by an unauthorised third party

Transactions

We are responsible for all transactions on the Website. Credit/Debit card details are entered on a secure page and are transferred using SSL technology.

Private Data

Any personal data collected and handled by us is processed in accordance with local law and is not sold to third parties.