Terms and conditions
INFORMATION ABOUT US
www.iigl.co.uk is a site operated by Incorporated Insurance Group Limited (IIGL), whose registered office and principle place of business is at 43-45 Butts Green Road, Hornchurch, Essex, RM11 2JS. IIGL is an Managing General Agent (MGA) and regulated by the Financial Conduct Authority (FCA) www.fca.gov.uk – (FCA reg. 610302) registered in England No. 08312009.
In these Terms and Conditions unless the context otherwise requires:
“IIGL” or “our” or “us” or “we” means Incorporated Insurance Group Limited “insured” means the insured under a contract of insurance “authorised transactions” are transactions or communications which are either in fact conducted and authorised by you or by an authorised third party on your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions “contract of insurance” means a concluded contract of insurance obtained through your use of this site “site” means this Website and the IIGLOO internet trading site “Terms and Conditions” means these Terms and Conditions “you” and “your” means you, the person(s) accessing this site, the Registered User of the site and where the context so requires, includes any party on behalf of whom you use this site. We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the time of your access.
Accordingly you should check these Terms and Conditions every time you access the site.
“IIGLOO” is a registered trade mark being the insurance internet trading site licenced to Incorporated Insurance Group Limited.
We operate the site from England and the information delivered via the site is deemed to have been delivered in England. IIGL makes no representation that the material contained in the site is appropriate for use outside the United Kingdom and Europe. This site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its publication or availability is prohibited. Persons to whom such restrictions apply must not access this site. You shall be solely responsible for any legal proceedings or other consequence which may arise from you choosing to access this site from outside the United Kingdom and Europe. This site and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.
All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.
If you have any reason to complain about any of our products or services, let us know straight away by contacting team (see “Contact”). We will explain our complaints procedure and investigate your complaint straight away.
USE OF THE IIGLOO INTERNET TRADING SITE
You warrant to IIGL that you have the insured’s full authority to use this site, request cover for the insured and enter into a contract of insurance in the insured’s name. You agree to indemnify and keep IIGL indemnified from and against all liabilities costs claims and demands arising from or in respect of any breach of such warranty. You have been granted a unique “Username” and “Password”. You must keep the Username and Password secret. You must use all reasonable endeavours to prevent unauthorised or fraudulent use of the Username and Password. You must tell us as soon as possible by contacting us (see “Contact”) if you know or suspect that an unauthorised person is aware of the Username or Password. Until you contact us accordingly, we will be entitled to assume that all transactions effected via your Username and Password are authorised transactions and we shall be entitled to act upon these without further investigation. We will not be liable to you for acting on or processing such transactions or communications, or otherwise treating such transactions or communications as authorised transactions. You will indemnify us for any loss we suffer as a result of misuse of your Username and Password, where such misuse results from your failure to use reasonable endeavours to prevent unauthorised or fraudulent use. You will not post any material to the IIGLOO site which is obscene, defamatory, threatening, or otherwise actionable at law or which would constitute a criminal offence. You will indemnify us against any loss we may suffer by reason of any breach by you of this obligation. We may terminate your use of IIGLOO immediately if we feel that IIGLOO has been, is being, or is about to be, misused in breach of these Terms and Conditions.
AVAILABILITY AND ACCURACY
We will try to keep the information on IIGLOO as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the site, and any such warranty or representation is excluded to the fullest extent permitted by law. While the site is scanned for viruses, the success of this is not guaranteed. No warranty is given as to the freedom of the site from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to your or anyone else’s computer systems, and you should carry out your own checks. Notwithstanding the generality of the foregoing, you (as agent for the insured) should carefully review the contents of any certificate, attached schedule, endorsements and proposal form originated via IIGLOO. Any contract of insurance effected through IIGLOO will be subject to the Terms and Conditions shown on the relevant certificate. It is your responsibility (as agent for the Insured) and that of the Insured to carefully check the relevant certificate conditions. If any information set out in any of these items is incorrect, you must notify us immediately (see “Contact”). Failure to do so may invalidate all or part of the insurance cover provided. You agree to indemnify and keep IIGL indemnified from and against all liabilities costs claims and demands arising from or in respect of your failure to check such items or to notify us of any inaccuracies. If you are in any doubt as to whether certain facts are relevant or not, please call us (see “Contact”). Where there is any conflict between the provisions of these Terms and Conditions and those of any such items, the provisions of the relevant item shall prevail.
- We accept no liability in contract, tort or otherwise including negligence for inability to gain access to the site as a result of routine or emergency maintenance on the system or excessive demand for the site;
- loss of data including both data transmitted and other data held by you;
- delay or failure in transmitting or receiving material.
INTELLECTUAL PROPERTY RIGHTS
All material contained on the site is licenced to Incorporated Insurance Group Limited. All intellectual property rights on the site are licenced to Incorporated Insurance Group Limited. IIGL grants you a limited licence to access any part of the site you are authorised to access; and print off pages from it.
IIGL also grants Registered Users a limited licence to access any part of the site and print off pages from IIGLOO insofar as is necessary to obtain quotes, effect a contract of insurance (including printing a full copy of the relevant policy), or utilise the other functions made available to you by IIGLOO.
You may not:
- Copy, tamper or alter, distribute or use any material or design contained within IIGLOO except as is expressly permitted by these Terms and Conditions or with our prior written consent.
- Re-use any content of IIGLOO for any other purpose whatsoever.
- Any data generated by IIGLOO, including any data relating to insureds and the certificates of insurance effected via IIGLOO, shall belong to us.
LINKS TO OTHER WEBSITES
We do not accept any responsibility for the contacts of any third party website that may be linked to the site by way of hypertext link or other means of reference. You may not link the site to another site without our prior written consent. If Registered Users would like to create such a link, please contact us (see Support “Contact us” in IIGLOO).
IIGL takes security very seriously and uses a security system which we believe to be one of the strongest available to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using software called a Secure Socket Layer (SSL) between your computer and the owners of IIGLOO. SSL works in the following ways:
- It prevents impersonation – you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by a third party.
- It encrypts data – as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
- It prevents scrambling – SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you. The Internet cannot be guaranteed as being secure and accordingly we do not offer any warranties or assurances in this respect. Similarly, whilst we may communicate with you via e-mail or via the IIGLOO site itself, we cannot accept any liability for the security or transmission of such e-mail or internet-based communications.
INTERNET AND E-MAIL COMMUNICATIONS
Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception, monitoring, delay, loss or alteration. IIGL are not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.
OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, IIGL may monitor and/or record communications (whether over the Internet, telephone or otherwise) between you and us.
Cookies are text files placed on your computer to collect standard internet log information and visitor behaviour information. This information is used to track visitor use of the website and to compile statistical reports on website activity. For further information visit http://www.allaboutcookies.org.
- Incorporated Insurance Group Limited
- Registered in England and Wales
- Registered Number: 08312009
- Registered Office: Anglo House, 43-45 Butts Green Road, Hornchurch, Essex, RM11 2JS
Find out more
If you have a question, please get in touch. Our Head of Operations is Lyndsey Thompson and you can contact her on 0333 577 0477 or email Lyndsey.firstname.lastname@example.org