Terms and Conditions
This section contains the Terms and Conditions of this website. By accessing this Site and any of its pages, you are agreeing to these terms.
As a user of this website you will agree not to upload or distribute files which may damage the operation of computer hardware/software and you will not interfere or disrupt the functioning of this Site. You agree not to use this Site for illegal purposes and will comply with all regulations in connection with this Site.
2. Copyright and trademark
All information and all trade marks on this Site are the property of IPH and/or its licensors and are subject to copyright. As a user of this Site you will be able to view and print any documents for your own consumer or internal business purposes. It is strictly prohibited to redistribute the Site or its content other than for your own consumer or internal business purposes. No part of the materials supplied on this Site will be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for commercial or public purposes without IPH’s prior written consent.
3. Use of information and translated content
The information contained on this Site is not intended to provide professional advice. Users accessing these pages should obtain appropriate professional advice when necessary. Where the Site has been translated to another language, the English version will prevail.
The software used on this Site is the property of IPH or our software suppliers and may only use it for the sole purpose of this agreement.
5. Linked websites
You agree that IPH will not be responsible or indeed liable, either directly or indirectly for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any information, goods or services available on or through any sites linked to this Site. Access to and use of such other websites is at your own risk and subject to any terms and conditions applicable to such access/use. By providing hyperlinks to other websites, IPH shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the service provided on their web site.
6. No warranties
Whilst IPH has taken every care in the preparation of the information materials contained in this Site, such information and materials are provided “as is” without warranty of any kind, either express or implied. Please note that no warranty regarding non-infringement, accuracy, security or fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.
7. Transmitting over the internet
Due to the nature of the Internet transactions may be subject to interruption, transmission blackout, delayed transmission and incorrect data transmission. IPH will not be held liable for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages and transactions you send.
8. Limited liability
IPH will not be liable for any loss of business, loss of use or of data, business interruption, goodwill or loss of profits or of any damages of any kind arising out of this agreement.
As a user of this site you acknowledge that IPH has the right to monitor, review, prohibit any activity or information transmitted or received through this Site.
You agree that IPH may, in its sole discretion, deny you access to the Site and disable any user name and password associated with you for any reason. IPH reserves the right at any time and to modify or discontinue the services offered under this Site (or any part thereof) without notice. You agree that IPH shall not be liable to you or to any third party for any modification, suspension or discontinuance of the services offered under this Site.
11. Site governed
This Site is created and controlled by IPH in the United Kingdom and you agree that the laws of England and Wales will govern this agreement and you and IPH agree to submit to the exclusive jurisdiction of the courts of England and Wales. IPH reserves the right to make changes to this Site and this agreement at any time. IPH reserves the right to discontinue the listing of any services as it may choose in its sole discretion and without notice. As a user of this site you agree that no press release will be issued or any public statement regarding your use or participation in the Site without the prior written permission of IPH.
12. Your payment details and automatic renewals
Where IPH takes your bank account/credit card payment details for the payment of financial services/insurance, we only do so with your authorisation. IPH may change our payment providers to ones that we consider suitable at any time. Where administration charges or card charges apply, you will be informed prior to the purchasing of the product. IPH will only use payment providers who comply with data protection legislation and hold your details in as secure a manner as possible. IPH will not hold your payment details directly on our systems, although we are able to securely reference these details with the payment provider directly.
We hold the right to automatically renew your cover and take further payment once your current policy has lapsed. We will always notify you before a new policy starts. This does not affect your right to cancel in line with IPH’s cancellation policy.
13. Non-provision of financial services products
IPH does not offer any financial services or products through their use and operation of this website, or gateway (the “Site”). Products or services on this Site do not constitute an offer or recommendation of any products or services provided by IPH. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation.
Not all the products and services that you may be able to view via this Site may be available in all geographical locations served by IPH. IPH may decline to provide you with products and services solely based on your country of residence.
General terms of business
We, International Private Healthcare Limited and IPH Insurance Services (UK) Limited, IPH House, Stirling Way, Borehamwood, Herts, WD62BT, are authorised and regulated by the Financial Conduct Authority. International Private Healthcare Limited FCA registered number is 307733. IPH Insurance Services (UK) Limited FCA registered number is 306156. You can check our FCA registered status by visiting www.fca.org.uk.
15. Our service to you
In arranging insurance for our customers we act as an independent intermediary and act on your behalf when arranging your insurance. Our service includes advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. We offer a range of insurance products and have access to a number of insurers with whom we place your insurance. We will give you details of these insurers when we discuss your individual requirements. These insurers will pay us commission and we will disclose the commission if you request it.
16. Disclosure of information – for commercial customers
It is important that you understand that any information, statements or answers made by you to us, or your insurer, are your responsibility and must be correct. Any failure to disclose facts material to the insurer or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed immediately. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The disclosure of information not only applies at commencement and renewal of your policy, but also at anytime during the period of insurance. Information we need to know about – NB This only applies to retail customers You must take all reasonable care to provide complete and accurate answers to the questions we ask. Please read any assumptions carefully and confirm if they apply to your circumstances.
You must tell us within 14 days of you becoming aware if any of the information provided by you changes after you purchase your policy and during the period of your policy.
You should be aware that if the information provided by you is not complete and accurate, we may:
- cancel your policy and refuse to pay any claim, or
- not pay any claim in full, or
- revise the premium and/or change any excess, or
- revise the extent of cover or terms of this insurance.
We recommend that you keep a record (including copies of letters) of all the information you provide to us for your future reference.
17. Awareness of policy terms
When a Policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms and conditions, please seek our advice promptly.
18. Client money — general
The FCA rules are designed to protect you in the event that an insurance intermediary fails or is unable to transfer:
- any premium money it has received from you to the insurer; or
- any claims or return premium monies that it has received from the insurer to you.
We are governed by strict rules pertaining to client money, set down by the FCA. Where we hold monies in a client bank account we may earn interest on monies held, which will be retained by us.
We will hold client money separate from our own money with an approved bank segregated in a client bank account designated as subject to a Non-Statutory Trust. Under a Non-statutory Trust we are entitled to use client money to make advances of credit, for example to pay another client’s premium before the premium has been received from the other client and to pay claims and premium refunds to a client before such monies have been received from the insurer. We act as Trustees of our clients’ monies and must meet certain legal and regulatory conditions.
19. Payment to third parties
We may transfer client money to another person, such as another broker or settlement agent, for the purpose of effecting a transaction on your behalf through that person. We do however still remain responsible to you in respect of your money. This may include brokers and settlement agents outside of the UK. The legal and regulatory regime applying to a broker or settlement agent outside the UK may be different from that of the UK and in the event of a failure of the broker or settlement agent, this money may be treated in a different manner from that, which would apply if the money were held by a broker or settlement agent in the UK. You may notify us if you do not wish your money to be passed to a person in a particular jurisdiction.
20. Customer protection information
It is our intention to provide you with a high level of customer service at all times. If there are occasions when we do not meet your standards, please contact the Complaints Manager, either verbally or in writing, who will take details of your concerns. We will acknowledge your complaint, in writing, advising you of who is dealing with your concerns, within two working days (Health insurance), or 5 working days (General insurance), from the receipt of your complaint. We will provide a full response within 14 calendar days (Health insurance ) or 4 weeks (General insurance), from the receipt of your complaint or, if our investigations are going to take longer, explain our position and provide timescales, 28 calendar days (Health insurance), or 8 weeks (General insurance), from the receipt of the complaint, for a full response. If we cannot satisfy your complaint you may be entitled to refer it to the Financial Ombudsman Service.
21. Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. For compulsory insurance you may be entitled to compensation of up to 100% of the claim. For all other types of insurance you may be entitled to compensation up to 90% of the claim. Further information about the compensation scheme is available from the FSCS.
22. Cooling off period
We will give you enough information and help so you can make an informed decision before you make a final commitment to buy your insurance policy. However you will have fourteen days to change your mind and cancel the insurance contract from the date you receive the policy documentation. NB This only applies to retail customers.
23. Insurance document
Please see your insurance documents for your specific policy details and additional information of our terms of business.