TERMS AND CONDITIONS
These Terms and Conditions set out the terms on which you may make use of this Website under the domain name
www.iigl.co.uk(“Website”), whether as a guest or a Registered User.
Please read these Terms and Conditions carefully before you start to use the Website. By using the Website, you indicate
that you accept these Terms and Conditions and that you agree to abide by them including (without limitation) those terms
Terms and Conditions, please refrain from using the Website.
INFORMATION ABOUT US
www.iigl.co.uk is a site operated by Incorporated Insurance Group
Limited (IIGL), whose registered office and principle place of business is at
Anglo House, 43-45 Butts Green Road, Hornchurch, Essex RM11 2JS.
IIGL is an MGA and regulated by the Financial Conduct Authority (FCA)
www.fca.org.uk – (FRN 610302) registered
in England No. 08312009.
In these Terms and Conditions unless the context otherwise requires:
"IIGL" or “our” or "us" or "we" means Incorporated Insurance Group Limited "insured" means the insured under
a contract of insurance "authorised transactions" are transactions or communications which are either in fact conducted
and authorised by you or by an authorised third party on your behalf or which we are entitled to assume are authorised
pursuant to these Terms and Conditions "contract of insurance" means a concluded contract of insurance obtained through
your use of this site "site" means this Website and the IIGLOO internet trading site "Terms and Conditions" means these
Terms and Conditions "you" and "your" means you, the person(s) accessing this site, the Registered User of the site and
where the context so requires, includes any party on behalf of whom you use this site. We reserve the right to change these
Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the
time of your access.
Accordingly you should check these Terms and Conditions every time you access the site.
“IIGLOO” is a registered trade mark being the insurance internet trading site
licensed to Incorporated Insurance Group Limited.
We operate the site from England and the information delivered via the site is deemed to have been delivered in England. IIGL makes no
representation that the material contained in the site is appropriate for use outside the United Kingdom and Europe. This site is not directed to any
person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its publication or availability is prohibited.
Persons to whom such restrictions apply must not access this site. You shall be solely responsible for any legal proceedings or other consequence
which may arise from you choosing to access this site from outside the United Kingdom and Europe. This site and any transactions effected through it
shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.
All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.
If you have any reason to complain about any of our products or services, let us know straight away by contacting
(see “Contact”). We will explain our complaints procedure and investigate your complaint straight away.
USE OF THE IIGLOO INTERNET TRADING SITE
You warrant to IIGL that you have the insured’s full authority to use this site, request cover for the insured and enter into a contract of insurance
in the insured’s name. You agree to indemnify and keep IIGL indemnified from and against all liabilities costs claims and demands arising from or in
respect of any breach of such warranty. You have been granted a unique “Username” and “Password”. You must keep the Username and Password secret. You
must use all reasonable endeavours to prevent unauthorised or fraudulent use of the Username and Password. You must tell us as soon as possible by
contacting us (see “Contact”) if you know or suspect that an unauthorised person is aware of the Username or Password. Until you contact us accordingly,
we will be entitled to assume that all transactions effected via your Username and Password are authorised transactions and we shall be entitled to act
upon these without further investigation. We will not be liable to you for acting on or processing such transactions or communications, or otherwise treating
such transactions or communications as authorised transactions. You will indemnify us for any loss we suffer as a result of misuse of your Username and Password,
where such misuse results from your failure to use reasonable endeavours to prevent unauthorised or fraudulent use. You will not post any material to the IIGLOO
site which is obscene, defamatory, threatening, or otherwise actionable at law or which would constitute a criminal offence. You will indemnify us against any loss
we may suffer by reason of any breach by you of this obligation. We may terminate your use of IIGLOO immediately if we feel that QuoteMac has been, is being,
or is about to be, misused in breach of these Terms and Conditions.
AVAILABILITY AND ACCURACY
We will try to keep the information on IIGLOO as accurate and up-to-date as possible but no warranty or representation (express or implied) is given
regarding the accuracy of any information contained on the site, and any such warranty or representation is excluded to the fullest extent permitted by
law. While the site is scanned for viruses, the success of this is not guaranteed. No warranty is given as to the freedom of the site from defects,
viruses, malicious programs, macros or any other material which is likely to cause harm to your or anyone else’s computer systems, and you should carry
out your own checks. Notwithstanding the generality of the foregoing, you (as agent for the insured) should carefully review the contents of any certificate,
attached schedule, endorsements and proposal form originated via IIGLOO. Any contract of insurance effected through QuoteMac will be subject to the Terms and
Conditions shown on the relevant certificate. It is your responsibility (as agent for the Insured) and that of the Insured to carefully check the relevant
certificate conditions. If any information set out in any of these items is incorrect, you must notify us immediately (see “Contact”). Failure to do so may
invalidate all or part of the insurance cover provided. You agree to indemnify and keep IIGL indemnified from and against all liabilities costs claims and demands
arising from or in respect of your failure to check such items or to notify us of any inaccuracies. If you are in any doubt as to whether certain facts are relevant
or not, please call us (see “Contact”). Where there is any conflict between the provisions of these Terms and Conditions and those of any such items, the provisions
of the relevant item shall prevail.
We accept no liability in contract, tort or otherwise including negligence for
inability to gain access to the site as a result of routine or emergency maintenance on the system or excessive demand for the site;
loss of data including both data transmitted and other data held by you;
delay or failure in transmitting or receiving material.
INTELLECTUAL PROPERTY RIGHTS
All material contained on the site is licensed to Incorporated Insurance Group Limited. All intellectual
property rights on the site are licensed to Incorporated Insurance Group Limited. IIGL grants you a limited license
to access any part of the site you are authorised to access; and print off pages from it.
IIGL also grants Registered Users a limited licence to access any part of the site and print off pages from IIGLOO insofar as is necessary to obtain
quotes, effect a contract of insurance (including printing a full copy of the relevant policy), or utilise the other functions made available to you
You may not:
Copy, tamper or alter, distribute or use any material or design contained within IIGLOO except as is expressly permitted by these Terms and Conditions or with our prior written consent.
Re-use any content of IIGLOO for any other purpose whatsoever.
Any data generated by IIGLOO, including any data relating to insureds and the certificates of insurance effected via QuoteMac, shall belong to us.
LINKS TO OTHER WEBSITES
We do not accept any responsibility for the contacts of any third party website that may be linked to the site by way of hypertext link or other means
of reference. You may not link the site to another site without our prior written consent. If Registered Users would like to create such a link, please
contact us (see Support “Contact us” in IIGLOO).
IIGL takes security very seriously and uses a security system which we believe to be one of the strongest available to protect your communications with us.
Whenever you fill in a form, such as a request for a quote, it is automatically protected using software called a Secure Socket Layer (SSL) between your
computer and ours. SSL works in the following ways:
It prevents impersonation – you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by a third party.
It encrypts data – as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
It prevents scrambling – SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried
to interfere with a message, your computer would not recognise the code and would alert you. The Internet cannot be guaranteed as being secure and accordingly we do not offer any warranties or assurances in this respect. Similarly, whilst we may communicate with you via e-mail or via
the IIGLOO site itself, we cannot accept any liability for the security or transmission of such e-mail or internet-based communications.
INTERNET AND E-MAIL COMMUNICATIONS
Messages sent over the Internet (including e-mail) cannot be guaranteed to be completely secure as they are subject to possible interception,
monitoring, delay, loss or alteration. IIGL are not responsible for any such messages nor liable to you or anyone else for any damages or otherwise in
connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over
the Internet (including e-mail). You should not include any sensitive or confidential information in such messages.
OUR MONITORING OF COMMUNICATIONS
To help us improve our service and in the interest of security, IIGL may monitor and/or record communications (whether over the Internet, telephone or
otherwise) between you and us.
Incorporated Insurance Group Limited
Registered in England and Wales
Registered Office: Anglo House, 43-45 Butts Green Road, Hornchurch, Essex RM11 2JS