Terms & Conditions
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It is a precondition of use of this website
that you fully comply with these terms and conditions each time
you purchase a policy.
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Definitions
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| Authorised User: |
Any solicitor, licensed conveyancer or legal executive who
has registered with L&C to be a user of Ci Online and who has, or whose firm has, a professional
indemnity policy in place, and is:
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| (i) |
a company limited by shares or a limited liability partnership
which is recognised by the Law Society as a suitable body
to provide legal services which is regulated by the Solicitors Regulation Authority,
or
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a licensed conveyancing company recognised by the Council
for Licensed Conveyancers as a suitable body to provide
legal services which is regulated by the Council for Licensed
Conveyancers
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| AND who is, or whose firm is: |
| (ii) |
authorised and regulated by the Financial Conduct Authority
(FCA) in respect of non-investment insurance contracts,
or
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regulated in respect of insurance mediation activity
by a Designated Professional Body as defined under Section
326 of the Financial Services & Markets Act 2000 (such
as The Law Society) and recorded on the exempt professional
firms register maintained by the FCA as such.
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| Ci Online: |
This website and all of its content. |
| Insurer: |
As stated in the IPID and Policy Wording. |
| L&C: |
Legal & Contingency Limited. |
| IPID(s): |
Any Insurance Product Information Document (IPID) appearing on ci
online.
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| Policy Wording(s): |
Any policy wording appearing on ci
online.
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4. Regulatory
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| 4.1 |
Users of Ci Online
must be an Authorised User or an individual working under the
supervision and with the authority of such Authorised User.
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| 4.2 |
Ci Online policies are underwritten by the Insurer.
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| 4.3 |
You are acting for your clients and not as an agent of L&C
in obtaining any quotation or the collection of any premium
payments.
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| 4.4 |
Ci Online
policies are available for your use on the understanding that
all relevant searches and enquiries have been made in accordance
with normal conveyancing practice, including (but not limited
to) searches of the Land Registry, Land Charge and Local Authority.
This does not apply to any search to be covered under any Search
Insurance product that can be purchased on ci
online.
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| 4.5 |
Before you purchase an insurance policy on Ci Online you must ensure that:
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| 4.5.1 |
you comply with all the underwriting criteria and the
terms and conditions as notified to you on ci
online;
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| 4.5.2 |
you are familiar with the Policy Wording and the cover
provided, and are satisfied that they meet your client’s
needs;
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| 4.5.3 |
an IPID has been made available to the insured
and that they are fully aware of the policy cover, including
its terms and conditions. IPID's are available
on Ci Online;
and
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| 4.5.4 |
all material facts (i.e. those which might reasonably
be considered likely to influence L&C’s decision
to insure a risk) to the extent required by law applicable at the commencement of the policy
have been disclosed to L&C.
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| 4.6 |
You are not authorised to amend or vary the Ci Online Policy Wordings, or backdate
cover by more than 30 days in any circumstances.
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| 4.7 |
The limit of indemnity entered by you must not be less than
the market value of the property at the commencement of the
policy.
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| 4.8 |
All premiums quoted on Ci Online
include Insurance Premium Tax at the prevailing rate.
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| 4.9 |
Quotes provided on Ci Online
are only valid for 180 days from the date the quote is
given.
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| 4.10 |
A Ci Online
policy is in force once a download of the policy is
made available to you subject to your compliance with clause 4.11 below.
L&C will send you an email confirming
that the policy has been incepted. If you do not receive this
email or the details shown on the policy schedule are incorrect
you must contact L&C immediately on 020 7397 4363
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| 4.11 |
Once a Ci Online
policy has been incepted you must pay the premium
and send copies of any other documentation requested on ci
online to L&C within 10 working days. Failure
to pay the premium or send any such documentation may result
in the policy being voided ab initio by the Insurer.
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| 4.12 |
L&C reserve the right to request further information from
you for auditing purposes.
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| 4.13 |
L&C hold all premiums received as agent for the Insurer. |
| 4.14 |
L&C are authorised and regulated by the FCA. |
6. Security
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| 6.1 |
Ci Online is
a secure website. You may only access the secure areas once
you have obtained a password from L&C (via this website).
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| 6.2 |
L&C can refuse to issue you with a password at any time,
and without offering any explanation. If you have been issued
with a password, L&C can revoke your use of such password
at any time without notice, and without offering any explanation.
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| 6.3 |
Once you have been issued with a password you must not disclose
it to anyone. If your password is revealed to a third party,
whether deliberately or in error or otherwise, L&C will
not be liable to you for any loss incurred. If you forget your
password, or if you believe that someone else knows your password,
you must notify L&C immediately. You may change your password
from time to time and for whatever reason via ci
online.
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| 6.4 |
There may be email features within ci
online, which we cannot guarantee as secure.
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| 6.5 |
Information given to L&C via Ci Online will be used to provide the requested
service, and may also be used to keep you informed of products
and services which may be of interest. If you do not want the
information provided to be used in this way, please let us know
by emailing enquiries@conveyancinginsurance.co.uk
with your full name and postal address.
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8. Copyright
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| 8.1 |
All copyright, trade marks and all other intellectual property
rights in Ci Online
and its content (including without limitation the website design,
text, graphics and all software and source codes connected with
Ci Online) are
owned by or licensed to L&C or otherwise used by L&C
as permitted by law. L&C will pursue any unauthorised infringements
of our rights.
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| 8.2 |
You are allowed to use, download, obtain and print the information
on Ci Online for
the purpose only to obtain quotes and purchase policies online.
You may not otherwise extract or distribute material contained
within Ci Online,
or use the material and tools for any commercial benefit to
yourself or others. If you wish to use ci
online content for any other purpose, or in
any other way, you must contact L&C to obtain our prior
written consent. L&C may not give consent. If any consent
is given L&C will explain, as part of the consent, how you
will be permitted to use Ci Online
and its contents.
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10. Disclaimers and Limitation of Liability
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| 10.1 |
Whilst L&C endeavour to ensure that the content of ci
online is current and accurate, ci
online is provided on an "AS IS" and
"AS AVAILABLE" basis without any representation or
endorsement made and without warranty of any kind whether express
or implied, including but not limited to any warranties as to
non-infringement, compatibility, security and accuracy and to
the implied warranties of satisfactory quality and fitness for
a particular purpose.
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| 10.2 |
To the extent permitted by law, L&C will not be liable
for any loss of business, opportunity, data or profits or for
any indirect or consequential loss or damage of whatsoever nature
arising out of or in connection with the use of ci
online.
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| 10.3 |
L&C will endeavour to make ci
online constantly available for your use, however
we make no warranty that the functionality of ci
online will be uninterrupted or error free,
that defects will be corrected or that ci
online or the server that makes it available
are free of viruses or anything else which may be harmful or
destructive.
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| 10.4 |
Nothing in these Terms and Conditions shall be construed so
as to exclude or limit the liability of L&C for death or
personal injury as a result of the negligence of L&C.
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12. Customer Service & Complaints Procedure
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| 12.1 |
If you have any enquiries about ci
online or its content, please contact us at
enquiries@conveyancinginsurance.co.uk
or Forum House, 15-18 Lime Street, London EC3M 7AN or DX: 843 London/City
Tel: 020 7397 4363 Fax: 020 7397 4364.
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| 12.2 |
L&C aim to provide an excellent service. If you have any
cause for complaint you should, in the first instance, contact
us using the contact details set out in 12.1. Please quote the
details of the policy (surname and initials, policy number,
Property address etc).
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If the matter is not resolved to your satisfaction, you may
write to the Insurer. Their details are found on the Policy
Wording.
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You may also have a right to referral to the Financial Ombudsman
Service who can be contacted on 0800 023 4567 or 0300 123 9123 or emailed at
complaint.info@financial-ombudsman.org.uk
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The Insurer is covered by the Financial Service Compensation
Scheme (FSCS). If the Insurer is unable to meet its obligations
under a policy the insured may be entitled to compensation.
You may contact the FSCS on 0800 678 1100 or 020 7741 4100 for further details.
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15. Fair Presentation of the Risk
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| 15.1 |
If you are arranging insurance for a consumer, it is important that you and all parties to the transaction take care, as part of the insurance application, to ensure that all ‘Acceptance Criteria’ and ‘Assumptions’ that we have made a quotation subject to are true complete and accurate.
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| 15.2 |
For a commercial concern, it is important that you and all parties to the transaction provide us with a fair presentation of the risk. If there are material circumstances outside of our ‘Acceptance Criteria’ and ‘Assumptions’, that may be considered a material fact which are known or ought to be known by conducting a reasonable search of the information available, you must disclose these to us and provide us with sufficient information to put us on notice that we may need to make further enquiries in order to reveal any material circumstances. A matter is material if it would influence our acceptance of the risk proposed, including the terms applied and premium charged. You should ensure that facts presented are substantially correct and made in good faith. If you are unsure whether a matter is material, it should be disclosed.
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| 15.3 |
Failure to act as outlined above could invalidate the policy, result in rejection of a claim, application of different policy terms, or a claim not being paid in full. If any circumstances change before or after cover commences, you should provide us with full details.
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