Regulatory Information and Terms and Conditions of use
Please read the following section carefully as it contains the conditions of use governing your use of the Privilege website pages at www.privilege.com (the "Site").
Additional terms and conditions apply to the products and services offered on this Site. These will be drawn to your attention when you browse, apply for and following any purchase you make of any Privilege product or service. By using this Site you agree to these conditions of use.
Companies operating on the site
The Site is operated by U K Insurance Limited on behalf of the Privilege brand.
Please note that if you need advice on financial or investment decisions you should approach a financial adviser.
U K Insurance Limited provides and underwrites the general insurance products advertised on the Site.
U K Insurance Limited (UKI) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is entered in the Financial Services RegØister number 202810. The Financial Services Register can be accessed through http://www.fca.org.uk. UKI is registered in England and Wales under company number 1179980.
U K Insurance Limited is also a member of the Creditor Insurance Anti-Fraud Register and exchanges all claims information with other participating insurers.
By entering into a contract of insurance you will take on certain obligations and grant certain powers to U K Insurance Limited. Nothing contained in any insurance policy terms affects your statutory rights as a consumer.
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, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.
Use of personal information
Images, logos, names and trademarks on the Site are proprietary marks owned by U K Insurance Limited. Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder.
Ownership of all materials on the site
We are the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.
Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.
Product terms and conditions
The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.
The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.
If you apply for any product or service detailed on the Site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service terms and conditions, the latter shall prevail.
You must ensure that the details you give to us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit or debit card you are using must be your own and not in anyone else's name.
We aim to provide you with a first class online service. However, there may be times when you feel that we have not done so. If this is the case, we would rather be told about it so that we can do our best to solve the problem. If you have a complaint then please contact us and we will make sure that your complaint is considered immediately.
If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Service (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your right to take subsequent legal proceedings. Their address is:
The Financial Ombudsman
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
European Online Dispute Resolution platform
The European Commission has launched the European Online Dispute Resolution platform (ODR platform). The ODR platform is a website which helps customers who’ve bought something online in the EU if a dispute arises.
The platform will send your complaint to a certified Alternative Dispute Resolution Provider who works to solve the problem. In the UK that would be the UK Financial Ombudsman Service. The ODR can also offer translation services if your complaint is with a company in a different country.
Access the ODR platform
You can still contact us directly
We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.
Certain links on the Site may lead you to websites that are under the control of other companies within the Direct Line Group across the world. These sites are operated on a local basis and may be subject to laws and/or regulation other than the UK. Please consult the conditions of use and privacy statement on those websites for further details on use of those websites.
The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.
You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.
Credit card transactions
We retain the credit card details you provide to us after payment has been made. This assists in reducing credit card fraud. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.
We will do our best to correct errors and omissions as soon as we can. Nevertheless on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract, but this of course will be without any liability to you and a refund will be offered.
We take care to ensure the Site is accurate and up to date however, all warranties (whether expressed or implied) and all liability to you in respect of the Site, its content and your use of the same are excluded to the fullest extent permitted by law.
Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site.
Amendment to these conditions of use
We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest that you check them whenever you visit the Site.
If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.
Monitoring of telephone calls and emails
Telephone calls and e-mail correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.
Jurisdiction and law
These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.
Last updated: February 2016