Terms Of Use Policy

Website Terms of Use

Last Updated: 9th April 2020

Assurant General Insurance Limited is a limited company registered in England and Wales, with registered address at Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN, United Kingdom (“Assurant”, “we”, “us” or “our”).

Assurant (Financial Services Register No. 202735) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

We provide this website (the “Website”) for your personal non-commercial use only and subject to your compliance with these Terms of Use (the “Terms”), unless otherwise set forth on the Website.

Our Website is directed to people residing in the United Kingdom. We do not represent that the Website or the Content is appropriate for use in or available in other locations.

Please read these Terms carefully before using the Website. Your use of any part of the Website constitutes your acceptance to be bound by these Terms. If at any time you do not accept all of the terms and conditions of these Terms, you must immediately discontinue use of the Website and make no use of the information, material and content from this Website (the “Content”). We recommend you print a copy of these terms for future reference.

1. Additional Terms apply

Our insurance and other product and service offerings linked to the Website, (the “Additional Products”) are governed by additional terms (“Additional Terms”) which you will also be subject to. For example, when you make an insurance claim through the Website you will be subject to your Insurance contract terms and conditions.

You must agree to those Additional Terms before using the Additional Products. The Additional Terms and these Terms, taken together, shall apply to your use of those Additional Products. If there is an inconsistency between the Additional Terms and these Terms, the Additional Terms shall control.

2. Changes to these Terms

We reserve the right, in our sole discretion, to change these Terms at any time. Your continued use of the Website constitutes your agreement to be bound by any changes to these Terms. Please review these Terms and/or the Additional Terms periodically for changes.

3. We may modify, suspend or terminate the Website

Our Website is currently made available free of charge. Assurant reserves the right to charge a fee for access to or use of the Website, at any time in the future, and Assurant will notify you before it does so. Your access to or use of the Website before such time does not entitle you to access or use without charge in the future.

We may, in our sole discretion, modify, suspend, or terminate the Website and/or any portion thereof at any time for business or operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

Where you breach any of the provisions of these Terms, we reserve the right to modify, suspend or terminate your use of the Website, and to terminate these Terms immediately on written notice.

For termination for any reason, your right to use our Website and the Content will cease, and you must, at our option, return or destroy copies of any Content you have made.

4. Registering for and cancelling your account

If you register for an account to use the Website, you must complete the registration process by providing us with complete and accurate information as requested by such process. You must keep your registration data complete, accurate and up-to-date, and any loss caused by your failure to do so is your responsibility.

After completing the registration process, you may be asked to choose a user name and password. It is your responsibility to maintain the confidentiality of your password and account. You are also responsible for all activities that occur under your account. You agree to notify Assurant immediately of any suspected or unauthorised use of your account, or if anyone knows your password. Assurant is not liable for any loss that you may incur as a result of someone else using your password or account.

You may cancel your account on the Website at any time by notifying customer service via the Website. Cancellation of your account on the Website does not cancel the Additional Products, these may only be cancelled in accordance with the relevant Additional Terms.

We have the right to suspend or terminate your account on the Website and your use of the Website, in whole or in part, at any time, if we have a reasonable belief that it is being used in connection with fraudulent activity.

5. Your use of our Content

The Website and its Content, including but not limited to text, photographs, graphics, video and audio material, software, Assurant logos, titles, characters, names, and button icons, are owned by or licensed to Assurant and protected by copyright, trademark and other intellectual property laws around the world. All rights are reserved and you must not use the Intellectual Property other than as set out in these Terms.

You may view, and download extracts, and print a reasonable number of pages within the Website solely for your personal or internal, non-commercial purposes, provided that (a) no such pages are modified, and (b) this page and any notice in such pages regarding use or ownership are included with such stored, reproduced or distributed pages. You must not use any illustrations, logs, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of Content must always be acknowledged.

Any trademarks, service marks, product names and company names or logos appearing in any part of the Content that are owned by Assurant, its affiliates, licensors, or suppliers may not be used without express permission from the respective owner.

Unless otherwise expressly permitted, websites may not hyperlink to any page beyond the homepage of the Website, or frame the Website, nor may any entity include a hyperlink to any aspect of the Website in an email for commercial purposes, without the express written permission of Assurant.

6. Restrictions of use of the Website

Unless otherwise specified, the Website and Content are for your personal and non-commercial use only. In accessing and using the Website, you agree that you will not:

• Use the Website in any manner which could damage, overburden or interfere with the use of or security of the Website or other users’ devices, or damage, disrupt or limit the functioning of any software, hardware, or telecommunications equipment.
• Attempt to gain unauthorised access to the Website, any related website, or other accounts, computer systems, or networks connected to the Website, through hacking, password mining, or any other means.
• Obtain, decipher or attempt to obtain any materials, transmissions or information through any means not intentionally made available through this the Website, including by collecting information about others such as email addresses.
• Misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
• Allow, attempt to obtain, assist, or to otherwise make available to, third parties access to the Website other than as permitted in these Terms;
• License, transfer, assign or otherwise commercially exploit the Website to third parties other than as permitted in these Terms;
• Create, using any information made available by or on our Website or Content, any product, software or service where its expression or functionality is similar to that or competes with the Website or Content;
• Transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Website;
• Upload or store any material that is, or appears to be, unlawful, illegal or in any way defamatory or harmful, or which infringes another person’s right to privacy, confidentiality or third-party copyright, trademarks, or any other third party intellectual property rights;
• Otherwise use the Website of Content in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or act fraudulently or maliciously in the use of the Website or Content.

7. Indemnification for your use of the Website

You agree to defend, indemnify and hold harmless Assurant from and against all third-party claims, actions, demands, liabilities, costs and expenses, including, without limitation, reasonable legal fees, resulting from:

• your breach of any provision of these Terms or any warranty you provide herein;
• your unauthorised use or misuse of the Website or the Content;
• violation of any third party’s right, including, without limitation, any intellectual property right or privacy right; or
• dispute or issue with a third party.

You agree to cooperate fully with Assurant in asserting any available defenses in connection with a claim subject to indemnification by you under these Terms.

8. We do not provide you with advice via the Website

The Website and Content are provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the Website or Content.

9. We may link to external sites on the Website

The Website may contain links to external third-party sites that we do not own or operate. These links are provided for your information only and should not be interpreted as approval by us of those linked websites or information you obtain from them. We have no control over the content of those sites or resources and recommend that you familiarise yourself with their own terms of use and privacy policy.

10. Our liability to you for the Website

We make no warranties or representations, express or implied, that:

• the Website will operate error-free or uninterrupted or that defects will be corrected,
• the Website and/or its server will be free of viruses and/or other harmful components,
• any information transmitted via the Website will be safe from loss, or
• the Website and Content are accurate, complete, up to date or suitable for your purposes.

You agree that, to the fullest extent permitted by applicable law, your sole and exclusive remedy for any problems or dissatisfaction with the Website or the Content is to stop using the Website and any Content.

We do not exclude or limit our legal liability in relation to the Website and Content in any way: (a) for death or personal injury caused by our negligence or the negligence of our personnel; (b) for fraud or fraudulent misrepresentation; (c) where it would otherwise be unlawful to do so; or (d) in relation to our liabilities under the Financial Services and Markets Act 2000 or the rules of the Financial Conduct Authority for the conduct of business or the rules of the Prudential Regulatory Authority.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of the Additional Products, which will be set out in the Additional Terms.

Please note that we only provide our Website and Content for domestic and private use. You agree not to use the Website for any commercial or business purposes, and if you choose to do so we have no liability to you for loss of profit, loss of business, business interruption, or loss of business opportunity.

11. General

(a) These Terms, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland. (b) You may not assign, transfer, charge, subcontract or deal in any other manner with all or any of the rights and obligations under these Terms without our prior written consent. We may at any time assign, transfer, charge, subcontract, or deal in any other manner with all or any of our rights under these Terms and we may contract or delegate in any manner any or all of our obligations under these Terms to any third party or agent. (c) If any term or provision of these Terms is found to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall not affect any other term or provision of these Terms or the remaining part of such term or provision, or invalidate or render unenforceable such term or provision or part thereof in any other jurisdiction. Upon determination that any term or provision or part thereof is invalid, illegal or unenforceable, such valid legal, enforceable term or provision as corresponds as closely as possible to the commercial intention of the parties shall apply. (d) A person who is not a party to these Terms shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of these Terms. (e) The failure of either party to insist upon strict performance of any provision of, or to exercise any right available under, these Terms shall not be construed as a waiver of any provision or right. (f) Unless expressly provided otherwise, these Terms and any applicable Additional Terms are the entire agreement between you and Assurant with respect to the use of the Website and Content and shall not be modified except in writing, signed by an authorised representative of Assurant. (g) Upon termination of these Terms, any terms that contemplate performance of obligations after termination will survive.

If you have any questions concerning these Terms or the Website, please contact us through our Website.