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Terms & Conditions

The following details the conditions relating to your use of the website content under the domain name apricotinsurance.co.uk and other associated URLs (the “Site”) and to any correspondence by email between us and you. By using the Site you automatically agree to the terms and conditions of use. If you do not wish to accept the terms and conditions, please exit the Site immediately. Please read the privacy policy which outlines how the personal data you give us will be used.

We reserve the right to change the terms and conditions without notice. You should check this web page periodically for updated terms and conditions because they are binding on you. Additional terms and conditions will apply to certain products and services offered on this Site. We will draw your attention to these whenever you browse, apply for and/or purchase any of these products or services. The additional terms and conditions will override any conflicting term in these terms and conditions.

Apricot Insurance Services Limited

The Site is operated by Apricot Insurance Services Limited. In the terms and conditions, “our”, “we”, and “us” refer to Apricot Insurance Services Limited.

Apricot Insurance Services Limited. Registered Office: 166 Kingsway, Dunmurry, Belfast, BT17 9AD.

E-mail: ku tod oc tod ecnarusnitocirpa ta ofni. Registered in Northern Ireland no: NI046322.

Apricot Insurance Services Limited is authorised and regulated by the Financial Conduct Authority for the permissions as shown on the FCA register. FCA Number: 564655.

The Financial Conduct Authority website, which includes a register of all regulated firms, can be visited at http://www.fca.org.uk/register. The FCA can be contacted on 08456 061 234.

Ownership of Material

All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in all material on the Site are owned by Apricot Insurance Services Limited. You may only use the material on the Site in accordance with the limited licence stated in our copyright notice.

Terms and Conditions of Our Products and Services

The Site content does not constitute an offer by us to sell products and services to everyone who wishes to purchase. We retain the right to accept or reject any request to buy the products or services, and any purchase will be subject to the terms and conditions of that product or service.

The information on the Site may not represent full or total descriptions of all terms and conditions relating to our products and services. Complete details will be included in your schedule of cover, policy documents and/or conditions of purchase.

It is your responsibility to ensure that the details you give to us while using this Site are accurate. You must ensure you have sufficient funds to cover the cost of any product or service you purchased.

Site Availability

Technical matters that are beyond our control can arise. We cannot guarantee uninterrupted or error free access to the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus free. Access may be suspended or restricted to enable us to repair, maintain or update the Site.

Complaints

If for any reason Apricot Insurance Services Limited has not provided an excellent service and you have a complaint we would like to know and do everything we can to put things right. You can write to us at Customer Relations, Apricot Insurance Services Limited, 166 Kingsway, Dunmurry, Belfast, BT17 9AD, or email mark.walker@apricotinsurance.co.uk or call us on 02890 616718.

We aim to resolve complaints as quickly as possible however in the event that a complaint requires further investigation, the following timescales are prescribed by the FCA:

Apricot Insurance Services Limited will acknowledge receipt of your complaint, in writing, within 5 business days and we will provide details of the individual handling the complaint. We may combine the acknowledgement of the complaint with our final response letter. If Apricot Insurance Services Limited are unable to provide a final response in this timescale we will endeavour to provide a final response within 4 weeks of receipt of your complaint. If however, we are not in a position to supply you with a Final Response letter at this time, we will write to you explaining why we are not in a position to resolve the complaint, and give you an indication of when we will make further contact. Within 8 weeks of receipt of your complaint we aim to provide you with a Final Response letter. If we are not in a position to supply you with a Final Response letter at this time, we will write to you.

When Apricot Insurance Services Limited send a final response we will inform the complainant of their right to refer the complaint to the Financial Ombudsman Service should they not be satisfied with the final response, and that they must do so within six months. We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when the final response is sent.

Monitoring and recording

We may record calls for training purposes, to improve the quality of our service and to prevent and detect fraud.

If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR or email them at enquiries@financial-ombudsman.org.uk or by phone at 0845 080 1800. For any further information you can also visit the financial ombudsman website.

Third Party Websites

We provide links to third party websites for your convenience. These links will take you out of this Site. We cannot take responsibility for or endorse the content or availability of any third party websites and are not liable for loss or damage that you may suffer by using them.

Site Access and Passwords

This Site is intended for use by UK residents only. Applications for products or services from non-UK residents will, unless otherwise stated, not be accepted.

In some areas on the Site you will be able to register with us. It is your responsibility to maintain the confidentiality of your details and your password and to restrict access to your computer to prevent unauthorised access to your account. Please inform us immediately if you have reason to believe that your password has or is being used in an unauthorised way.

Disclaimer

We aim to correct errors and omissions as soon as possible. On occasion there may be an error in the price or type of product or service shown. In such circumstances we reserve the right to cancel any contract we may have entered into with you. This will be without any liability to you and a refund will be offered. In such circumstances we will advise you what has occurred and what action we propose to take. If we contracted to arrange an insurance policy for you and that insurance can no longer be concluded at the terms offered for any reason, or we believe that the insurance would be unsuitable for you then we reserve the right to cease continuing to arrange that insurance. We will notify you as soon as we can and where possible we will endeavor to offer alternative options. A refund of any amounts paid for our services where those services remain unused and we can no longer provide that service or you wish to cancel that future service, will be refunded. If you have paid in advance for any insurance premium and that premium has not or cannot be paid on to the insurer and that insurance policy is no longer to go ahead then we will refund that premium. This will be without any liability for us to continue to provide a service or arrange a policy that cannot be arranged at the terms previously offered to you. These refunds shall be the limit of our liability where that liability does not directly arise under the arrangements for regulating us set in place specifically by the Financial Services and Markets Act.

We make every effort to ensure the Site is accurate and up to date. All warranties (whether express 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.

This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Governing law

These terms and conditions and your use of our website shall be governed by the laws of Northern Ireland and you agree to submit to the non-exclusive jurisdiction of the courts of Northern Ireland in respect of any dispute in relation to your use of our website.

Initial Disclosure Document

The Financial Conduct Authority require us to present you with an Initial Disclosure Document which you must read before you make a purchase. This document is located here: http://www.apricotinsurance.co.uk/IDD/ApricotIDD.pdf