Definitions
"We", "us" or "our" means SportsCover Direct Limited of 29 Great George Street, Bristol, BS1 5QT, Tel. 0845 120 6400 Fax.0845 120
6401, email enquiries@sportscover.co.uk
"You" and "your" means the individual person who is a policyholder or potential policyholder.
1. About Us
We are a specialist provider of sports accident insurance and also travel insurance for active people. Our policies are
underwritten by Lloyd's Syndicate 1607 by Impact Underwriting Limited, 17th Floor, 30 St. Mary Axe, London EC3A 8BF. We are acting
for the Underwriters pursuant to the terms of a Binding Authority and whilst we are an intermediary acting on your behalf, advice
is only based upon our knowledge of our own policies. We do not offer the policies, products or services of any other insurers. We
are responsible for issuing your policy and advising on policy coverage and suitability for your needs. We are also able to assist
with policy amendments, upgrades or queries throughout your policy period. On request, we will provide you with our full policy
terms and conditions and sales brochures.
2. Consumer Protection
We are authorised and regulated by the Financial Services Authority (FSA) who are the organisation set up by the Government under
the Financial Services and Markets Act 2000 (FSMA) to regulate firms that undertake financial services in the UK. Our firm
reference number is 309959.
3. Confidentiality
All information about you will be treated as private and will not be shared with other parties without your express agreement
except for that which we may have to disclose to FSA as a condition of our membership. Under the Data Protection Act 1998, you have
the right to see personal information about you that we hold in our records. We will not make your details available to other
parties for marketing purposes but we may contact you ourselves to keep you informed of our latest products and services for
insurance and travel. We use Industry standard encryption technologies when transferring and receiving customer data exchanged with
our WEB site.
4. Customer Obligations
It is your responsibility to provide complete and accurate information to us when you take out your insurance policy and throughout
the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make on
application forms, claims forms, Internet forms or verbally over the telephone are full and accurate. If you fail to disclose any
material information to your insurers, this could invalidate your insurance cover and mean that part or all of a claim may not be
paid.
5. Purchases made on behalf of a third party
If you are purchasing a policy on behalf of another person or a group or team, it is your responsibility to ensure that the
Customer Obligations (set out in previous paragraph) are met for each of the persons for whom cover is being purchased. It is also
your obligation to ensure that each person on whose behalf insurance has been purchased is aware of the full details of the cover.
We are unable to accept responsibility for loss should a claim be rejected due to the non-disclosure of a third party insured.
6. Medical Warranty
All persons purchasing insurance from us must comply with the health declaration. If you are unable to comply or need guidance with
specific problems, either call us during office hours or email info@sportscover.co.uk. If you cannot agree with this declaration
you must contact us at the time of taking out this insurance and we will tell you if we can cover you. Existing medical conditions
will not be covered unless declared and the insurer accepts the condition in writing. If there is a change in your medical
condition or the medical condition of anyone whom a trip depends on and you can no longer comply with this declaration, you must
contact us.
7. Residency Warranty
You and anyone on whose behalf you purchase our insurance must be a resident of the United Kingdom, the Republic of Ireland or at a
valid BFPO address, from where journeys must start and end. Any variation from this must be agreed in writing before travel.
8. Payment
Premiums for Insurance are payable and due at the time of booking. You may make payment by cheque or credit card (all major
credit/debit cards except Amex are accepted). Please note that insurance purchase will not be concluded until payment has been
received unless otherwise agreed. We may allow payment of the total premium by instalment to be spread over 3 consecutive months
provided the initial payment is made at inception and the means of payment for the following instalments is supplied at that time
(eg with Credit card details or post-dated cheques). Failure to make a payment by the agreed date will result in cancellation of
the policy one month after the payment failed and no refund will be made. All premiums quoted are inclusive of local Taxes at the
prevailing rate.
9. Your right to cancel
If the Insurance does not meet with your requirements you may return the documentation within 14 days of the date of issue and
provided no claim is made, obtain a full refund.
10. Policy Documents
Policy information will be issued in a timely manner. This will normally be within 3 days of the contract of insurance being
concluded. Your policy documentation will confirm the basis of cover, give details of the insurer, be accompanied by a policy
summary and include a Demands and Needs statement and Keyfacts illustration. We reserve the right to hold back schedules and
certificates until all payments due have been made. We retain documents for 6 years in accordance with our retentions of documents
policy.
11. Checking your policy documents
When you receive your documents, please ensure that you read your insurance policy carefully. In particular you should check the
start and end dates, the health declaration and that the sports group covers your chosen activity. For travel insurance (excluding
top-up cover) your insurance period must include the day on which you leave your home or office to the date you return to your home
or office. Failure to comply with the terms and conditions of the policy may result in cover being restricted or possibly invalid.
Please contact us if you have any questions with regard to your policy. You are advised that the full terms and conditions of our
policies should be consulted prior to your completing your policy purchase and if you have any questions you should make sure these
are answered to your satisfaction. If you have not received a copy of the full policy terms and conditions before you book your
insurance you will be provided a copy with your insurance schedule.
12. Policy Excesses
Under most sections of the insurance, claims will be subject to an excess. This means that you will be responsible for paying part
of the claim. The amount you have to pay is the excess. Where more than one excess applies (ie claims made under multiple sections)
we will apply only the highest excess.
13. Policy renewal
Annual policyholders will be provided with the renewal terms no less than 21 days before expiry of the policy, or notified that the
renewal is not being invited.
14. Claims
Your insurance policy includes a claims procedure, which tells you what steps you should take if you wish to make a claim. You must
notify us of a claim or circumstance which may give rise to a claim as soon as possible. You will be provided with every assistance
in submitting a claim and seeking reimbursement.
15. Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we or the
Insurers cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Full details and
further information on the scheme are available from the FSCS.
16. Complaints Procedure
We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel
that we have not offered you a first class service please write to us and address your correspondence to the Managing Director. We
will do our best to resolve the problem. Should you remain dissatisfied and wish to make a further complaint you can do so at any
time by referring the matter to the Complaints Department at Lloyd's. Their address is: - Complaints Department, Lloyd's, One Lime
Street, London EC3M 7HA Tel: 020 7327 5693. Fax: 020 7327 5225. e-mail: complaints@lloyds.com. Complaints that cannot be resolved by the Complaints Department
may be referred to The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR. Further details will be
provided at the appropriate stage of the complaints process.
17. Law and Jurisdiction
These terms of business shall be governed by and construed in accordance with English law. In relation to any legal action or
proceedings arising out of or in connection with these terms of business we both irrevocably submit to the non-exclusive
jurisdiction of the English courts.
18. Remuneration
Our remuneration may be a fee, or as brokerage, which is a percentage of the insurance premium paid by you and allowed by the
insurer with whom the insurance is placed. Brokerage and fees are earned for the policy period and we will be entitled to retain
all fees and brokerage in respect of the full policy period in relation to policies placed with us. In the event of a mid-term
adjustment we will be entitled to a percentage of the premium payable by you. In addition to the client fees and/or brokerage
payments we may receive remuneration by way of administration fees or profit commissions, which are contingent on underwriting
profitability, from underwriters. At your request, we shall endeavour to calculate and advise you of the contingent commission we
may receive in respect of your business.