Terms and Conditions
Our terms and conditions and how they may affect you:
About UPIC Financial Services
UPIC Financial Services Limited is an insurance intermediary that acts for its clients in conjunction with the insurers. UPIC Financial Services Limited only provides services for life protection products.
You can only use the UPIC Financial Services Limited website at https://iaminsured.co.uk for the purpose of finding out about the company, its products and services, to obtain quotes and buy life protection products, or to contact us for advice and guidance.
You must provide accurate information on all our forms and in conversations with our Advisers. Failure to do so may result in you obtaining a policy that can become void, and result in claims not being met by your chosen insurer.
All information and material on the UPIC Financial Services Limited site is copyright protected, and cannot be copied, reproduced or used in any way without prior written consent from UPIC Financial Services Limited.
If you have a complaint about our service, please refer to the details on our complaints page.
1.0 Using our website
1.1 These Terms and Conditions apply to your use of this website.
1.2 By using this website you agree to these Terms and Conditions (T&C), but if you do not wish to be bound by these T&C you should not use this website.
1.3 It is possible we may change our Terms and Conditions from time to time. The revised terms will affect all uses of the site after the date of the change. If you used the site under a previous set of Terms and Conditions, they will apply for that previous visit(s).
2.1 “you” and “your” means the person who proposes to use or is using this website.
2.2 “we” “us” and “our” relates to us as UPIC Financial Services Limited, and use of https://iaminsured.co.uk.
UPIC Financial Services Limited is an Appointed Representative of UPIC Financial Services Limited, who are authorised and regulated by The Financial Conduct Authority.
Registered in England: No. 11210343 Registered Office: Unit 3, Venture Point, Stanney Mill Road, Little Stanney, Chester, CH2 4NE
2.3 “website” means https://iaminsured.co.uk and all web pages contained at that location.
2.4 “insurer” means the Insurance Company providing information and policies through our web site or Advisers.
2.5 “quote” means a price provided by an insurer for comparison with other quotes on the basis of the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the insurer direct to make an online purchase, where available, or through our Advisers where the insurance product is only available with our help. This help and any discussions are carried out primarily by phone, accompanied where relevant to your enquiry, by email, text and occasionally post.
3.0 Use of this website
3.1 By using this website you agree that:
3.1.1 You will not do anything that affects the integrity or security of this website, or may cause harm, damage or inconvenience to other users of this website or us.
3.1.2 You will not gather, extract, download, reproduce and/or display or advertise on any other website, or offline media any material from this website, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to gather the data.
3.2 If you breach any of the clauses set out at 3.1 above, we may take such action as we deem appropriate, including denying you access to this website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
4.0 UK residents only
4.1 This website is for UK residents only. We do not make any warranty or representation that the services we offer are available or appropriate for use outside the UK.
5.0 Your obligations
5.1 You must only use the UPIC Financial Services Limited (https://iaminsured.co.uk) website for your personal use or, if a business user, for legitimate business information gathering purposes.
5.2 It is your responsibility to ensure that all information you supply to us, enter onto this website or provide direct to an insurer is complete and accurate, as any inaccuracies may void any insurance you purchase or cause you to have to pay increased premiums. Please ensure you understand and agree the terms and conditions of the insurer you are purchasing your cover from before committing to the purchase. Our terms and conditions relate only to UPIC Financial Services Limited, it’s services and website.
6.0 Our service
6.1 We provide a service which enables you to compare a number of prices for products and services and make a decision based on those comparisons. There is no charge for this service.
7.0 Validity of quote
7.1 We do not control the price, length of offers, or special conditions relating to price comparison quotes. These are set by the insurers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our website to the product provider or service provider’s website, or call us on 01244 732 890. Product and service providers’ prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.
7.2 In order to purchase any of the products described on our website you must contact the product or service provider. When a price is shown on this website you will also find a direct link to the insurer’s website. For some products you may need to complete your transaction over the telephone. The call will be completed with UPIC Financial Services Limited.
8.0 Delivery of quotes
8.1 You should receive the results of our price comparison technology online. However, we rely on the availability of third party sites and general performance of the worldwide web. At certain times some or all online quotes may not be available to you due to problems with third party websites or the worldwide web.
8.2 Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, “non standard” or “high risk”. If this is the case you should contact UPIC Financial Services Limited directly to discuss your requirements.
8.3 Each insurer will have a different approach to the provision of their quotes and may not make quotes available for all of their products. Where you have expressed an interest in a product restricted by an insurer, we or the provider may contact you to assist further (we or the insurer will continue to treat your data as confidential and comply with data protection legislation).
9.0 Responsibility for content
9.1 We are responsible for ensuring that we accurately reflect insurer quotes via our price comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.
9.2 We will use our best endeavours to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.
9.3 We are not responsible for any commentary, opinions, ratings or other postings on this website by third parties.
9.4 Product or service providers and third party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.
9.5 You may be entitled to rights separate to these Terms and Conditions under English consumer law or other legislation.
10.0 Third party websites
10.1 This website contains links to websites operated by third parties. Some of those websites will carry our branding and are therefore only accessible by our customers. The operation and content of those websites are determined by those third parties and will be governed by separate terms and conditions. We do not accept responsibility or liability for the content of any third party website, as this is outside of our control.
10.2 Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links.
10.3 You may wish to take the following steps when purchasing a product or service from a third party website:
10.3.1 Read and ensure that you understand the terms and conditions of their website and terms and conditions of any product or service you might be agreeing with them;
10.3.2 Clarify and/or check your understanding of relevant terms and conditions by seeking independent advice, for example if the proposed transaction is of significant financial value to you or your insurance criteria is particularly unique or high risk; and/or
10.3.3 We regularly check that all our partners are regulated, however, if you wish to check the insurance provider you are dealing with is regulated (for example, by the Financial Conduct Authority, or Prudential Regulation Authority, if applicable). You can do this by checking the Financial Services Register on the Financial Conduct Authority’s website.
11.1 We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this website if you:
11.1.1 Substantially breach any of these Terms and conditions;
11.1.2 Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
11.1.3 If you are using this website to commit or attempt to commit a criminal offence.
12.0 Jurisdiction and Enforceability
12.1 If any provision of these Terms and Conditions are held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms and Conditions will not be affected and will remain valid.
12.2 In the event of a dispute in connection with or arising out of these Terms and Conditions, English law will apply.
12.3 These Terms and Conditions will only apply as between us and you. Unless as otherwise stated in these Terms and Conditions no other person may benefit or rely upon these Terms and Conditions.
12.1 Free Garmin Smartwatch Promotion:Garmin VivoSmart 3 smart watch to be paid by iam insured up to the value of £99.99 after payment of month 3 premium. Only available to persons on Vitality policies and paying a minimum premium of £35 per month. Offer subject to change & only available once to each person on the policy.
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