Policy Terms & Conditions

TV INSURANCE POLICY

This Insurance Policy has been arranged for You and is administered by Assuranty Nationwide Limited, whose offices are situated at Chancery House St Nicholas Way Sutton Surrey SM1 1JB and who can be contacted on 0800 012 4478. Assuranty Nationwide Limited is an Appointed Representative of European Specialty Risks Limited which is authorised and regulated by the UK Financial Conduct Authority. Firm Reference Number 565023. Any questions, claims or complaints regarding this policy should initially be sent to Assuranty Nationwide Limited by telephoning them on 0800 012 4478.

DEFINITIONS

Accidental Damage means the cost of repair to or replacement of Your Equipment following physical damage as a result of a sudden and unforeseen cause which stops the Equipment working.

Administrator, Our, We or Us means  Assuranty Nationwide Limited, Chancery House St. Nicholas Way Surrey SM1 1JB

Breakdown means the cost of repair to or replacement of Your Equipment following a mechanical or electrical fault which stops the Equipment from working properly.

Certificate of Insurance means the document which is issued by the Us as evidence of cover and forms part of this Policy.

Equipment means Your television set(s) as shown on Your Certificate of Insurance.

Insurer means Templeton Insurance Limited, Analyst House, Peel Road, Douglas, Isle of Man, IM1 4LZ, authorised by the Isle of Man Financial Services Authority (IOMFSA). Details of registration can be checked on the Register of Regulated Entities provided by the IOMFSA http://www.iomfsa.im/entitiessearch.aspx

Period of Cover means the period during which this Policy is in force as shown on Your Certificate of Insurance.

Premium means the monies You have agreed to pay for this Policy as shown on Your Certificate of Insurance.

Start Date means the date this Policy commences as shown on Your Certificate of Insurance.

You, Your, Policy Holder or Insured means the party set out on Your Certificate of Insurance who is entitled to cover under this Policy.

PERIOD OF COVER

You can find your policy period cover under the ‘Payment frequency’ section of your insurance certificate.

For Monthly Policies

One calendar month from the Start Date shown on Your Certificate of Insurance and thereafter for each consecutive corresponding monthly period for a total period of 12 months.

For Quarterly Policies

One quarter from the Start Date shown on Your Certificate of Insurance and thereafter for each consecutive corresponding quarterly period for a total period of 12 months.

For Annual Policies

12 month period from the Start Date shown on Your Certificate of Insurance.

WHAT IS INSURED

You are covered under this Policy for Breakdown and Accidental Damage of Your Equipment during the Period of Cover.

In the first instance We will try to resolve the issues You are having with Your Equipment through Our helpline.  If it is not possible to resolve the problems with Your Equipment over the telephone we will send an engineer to You to repair Your Equipment.

In the event that Your Equipment cannot be repaired We will replace Your Equipment. If We cannot reasonably arrange a replacement We will pay You a contribution towards the cost of replacing Your Equipment for a television of a similar size and specification. This contribution will be in the form of vouchers for a television retailer chosen by Us and will be for the price We would have otherwise obtained directly from Our chosen supplier.

If We replace Your Equipment You will be responsible for disposing of Your original Equipment at Your own cost.

POLICY LIMITS

First television identified on Your Certificate of Insurance

You are able to make a claim under this Policy for losses up to the value of £500 per claim.

Second and subsequent televisions identified on Your Certificate of Insurance

You are able to make a claim under this Policy for losses up to the value of £250 per claim.

WHAT IS NOT INSURED

The following are excluded from the cover provided under this Policy:

1.    Repairs or replacements of Equipment where such faults are still covered by the manufacturer’s, supplier’s or repairer’s warranty;

2.    Where the Equipment has been recalled by the manufacturer;

3.    Faults which are due to a generic manufacturing defect;

4.    Faults which arise from Your Equipment being modified in a manner which is not authorised by the manufacturer including but not limited to any upgrade or the addition of non-approved accessories;

5.    Faults resulting from You failing to follow the operating instructions of Your Equipment;

6.    Any claim where You use the Equipment for a non-domestic purpose or in a commercial environment;

7.    Any fault or damage which has been caused, directly or indirectly, by faults with the domestic supply of electricity;

8.    Any fault or damage caused by any theft, attempted theft, malicious damage or damage caused by fire or explosion.

9.    Repairs for faults relating to a reduction in image retention on LCD screens, plasma or projection TV screens;

10.  Faults or damage resulting from a software virus, the configuration of user settings, the backing up or recovery of data, the loss, corruption or damage of/to data or the operating system of the Equipment.

Where an engineer is sent to repair Your Equipment You will be liable to pay for the cost of this where no fault is found with Your Equipment.

The Policy does not cover the following:

1.    Routine maintenance, cleaning and servicing;

2.    Work which You require to take place outside of Our Engineer’s normal working hours (which are 9.00am to 5.00pm Monday to Sunday inclusive) or on a UK Public Holiday;

3.    Equipment which has to be repaired outside of the United Kingdom, Isle of Man, Channel Islands and Northern Ireland;

4.    Any costs which are incurred as a result of not being able to use Your Equipment;

5.    Any damage to property or personal injury;

6.    Any costs which do not result from the event giving rise to a claim;

7.    The replacement of any item which is intended to be replaceable such as fuses and batteries;

8.    Cosmetic damage which does not affect the use of Your Equipment;

9.    Equipment which has not been installed properly;

10.  Equipment which was not working in accordance with the manufacturer’s specification before the Policy was taken out.

11.  Any claims within the first 45 days of the Policy start date will be subject to a £250 excess for the first television and £125 for any subsequent televisions under this Policy. All claims made after 45 days are subject to a £50 excess fee. (all claims made if Your Television is over 3 years old will be subject to a £75 excess);

12.  Any pre-existing fault prior to You taking out this insurance.

We will not provide services under this Policy if We are prevented from doing so as a result of an unusual or foreseeable event or circumstance beyond Our reasonable control (‘Force Majeure’). This would include, but is not limited to, war, threat of war, riot, civil disturbance or strife, terrorist activity (actual or threatened), industrial dispute, natural or nuclear disaster, fire, flood, drought, major adverse weather conditions, levels of water in rivers and Acts of God.

HOW TO MAKE A CLAIM UNDER THIS POLICY

If You experience any issues with your Equipment during the Period of Cover You should call Our helpline on the number below.  In the first instance We will try to remedy any issues over the telephone.  If We are unable to do so You are able to make a claim under the Policy and we will send an engineer out to You.

Our helpline is open 7 days a week, 10am to 7pm Monday to Friday excluding UK Bank Holidays.

Post: Assuranty Nationwide Limited, Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB.

CANCELLING THIS INSURANCE POLICY

You may cancel this Policy at any time by writing to Us on the contact details below.

If You cancel this Policy within 21 calendar days of receiving it You will receive a full refund of any Premiums You have paid to Us.  If however You have made a claim during this period We reserve the right to deduct the cost of that claim from the refund of Premium which is due to You and We will tell You if We are making this deduction.

If You cancel this Policy after 21 calendar days of receiving it cancellation will be effective immediately.

For Monthly Policies

You will not be charged any more Monthly Premium amounts and You will not receive a refund of any Premium You have paid to Us.

For Quarterly Policies

You will not be charged any more Quarterly Premium amounts and You will not receive a refund of any Premium You have paid to Us.

For Annual Policies

You will be entitled to a pro-rata return of Premium for the number of complete unexpired days remaining of Your Policy less an administration fee of £20. You will not be entitled to a pro-rata refund if a claim or an incident that may give rise to a claim has occurred.

Contact Details 

Assuranty Nationwide Limited, Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB

Telephone:0800 012 4478

Email: info@assurantynationwide.co.uk

TERMINATION

This Policy will automatically terminate if You fail to pay the Premium due to Us.

RENEWAL

For Monthly Policies

We will notify You at least 21 days before the anniversary (and each subsequent anniversaries) of this Policy to remind You that We will continue to take the same regular payment of Premium from You unless You ask Us to cancel this Policy.

For Quarterly Policies

We will notify You at least 21 days before the anniversary (and each subsequent anniversaries) of this Policy to remind You that We will continue to take the same regular payment of Premium from You unless You ask Us to cancel this Policy.

For Annual Policies

We will contact You at least 21 days before this Policy is due for renewal to notify You that this Policy will renew automatically. If You do not ask Us to cancel this Policy We will take a payment for the renewal Premium.

GENERAL INFORMATION

Insurer Information

This policy is underwritten by Templeton Insurance Limited an Isle of Man company having its offices at Analyst House, Peel Road, Douglas, Isle of Man IM1 4LZ, authorised by the Isle of Man Financial Services Authority

Policy Administrator

This policy is administered by Assuranty Nationwide Limited an Appointed Representative of European Specialty Risks Limited. Registered office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB.

European Specialty Risks Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 565023. This information can be checked by visiting the FCA’s website.

Compensation Scheme

We, the Agent and the Insurance Provider are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if any of these parties cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information about compensation scheme arrangements are available from the FSCS. Telephone 020 7892 7300. Email: complaint-info@financialombudsman.org.uk The Insurer, Templeton Insurance Limited, is governed by the Isle of Man Financial Services Authority and is not covered by the FSCS.

COMPLAINTS PROCEDURE

If You are dissatisfied with the service You are provided with by Us or under this Policy please contact Us using the contact details below quoting Your Policy number. Postal address: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Email info@assurantynationwide.co.uk. We will acknowledge the complaint within 5 business days of receiving it and do Our best to resolve matters within 2 weeks. If You are not satisfied by Our response You may contact the Insurance Provider using the contact details below quoting Your Policy number. Post: Leisure Warranties Limited, 11 St James Place, London, SW1A 1NP Email: customerservices@leisurewarranties.com Telephone: 0345 557 8334

If You are dissatisfied with the response You receive in relation to Your complaint or Your complaint is not resolved within 8 weeks You have the right to refer your complaint to the Financial Ombudsman Service.  You may contact the Financial Ombudsman at:

The Financial Ombudsman Service (FOS), Exchange Tower, London E14 9SR.
Telephone: 0845 080 1800.
Email: complaint.info@financial-ombudsman.org.uk.

Following this complaints procedure does not affect Your right to take legal action.

DATA PROTECTION

PLEASE READ this notice as it explains the purposes for which the Insurer, European Specialty Risks or We will use Your personal information.

Each of the Insurer, European Specialty Risks and Us is a data controller (as defined in the Data Protection Act 1998) of the personal information each of them collects about You in connection with this policy.

Your personal information will be used for the following purposes: (a) for administration of this policy including, but not limited to, underwriting, administration and claims handling; (b) to communicate with You in connection with this policy; (c) for internal analysis and research; (d) to comply with legal and regulatory requirements; and (e) to help prevent, detect or deal with crime or fraud.

Each of the Insurer, European Specialty Risks and Us use agents and service providers to collect, hold and process on its behalf Your personal information for the purposes set out in this policy. These agents and service providers act on the Insurer’s, European Specialty Risks or Our instructions (as applicable) and will only use information as the Insurer, European Specialty Risks or We tells them to.

The Insurer, European Specialty Risks and We may disclose Your personal information to third parties (including to the police, other governmental bodies and other insurers) as required by law or if the Insurer, European Specialty Risks or We think the disclosure may help to prevent, detect and deal with crime or fraud.

You have the right to ask for a copy of the information the Insurer, European Specialty Risks or We hold about You (for which the Insurer, European Specialty Risks or We may charge a small fee). If You find at any time that any of the information the Insurer, European Specialty Risks or We hold about You is incorrect then You should promptly notify the Insurer, European Specialty Risks or Us and the Insurer, European Specialty Risks or We (as appropriate) will correct the inaccuracy.

You can contact Us about privacy issues or comment or complain about the Insurer’s, European Specialty Risks or Our privacy practices by contacting Assuranty Nationwide Limited, Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Telephone: 0800 012 4478
Email: info@assurantynationwide.co.uk

ALTERATION AND ASSIGNMENT

You are not permitted to assign to another person(s) or change in any way the rights under this Policy without the written consent of the Insurer or its agent, acting on its behalf.

EXCLUSION OF THIRD PARTY RIGHTS

Nothing in this Policy is intended to confer a directly enforceable benefit on any other party and therefore the provisions of the Contracts (Rights of Third Parties) Act 1999 do not apply.

GOVERNING LAW

This Policy, and any dispute concerning its interpretation, is governed by the laws of England and Wales and the jurisdiction of the English Courts will apply.  We will communicate in English.


 MULTI APPLIANCE WARRANTY INSURANCE POLICY – (non-advised)

This Insurance Policy has been arranged for You and is administered by Assuranty Nationwide Limited, whose offices are situated at Chancery House St Nicholas Way Sutton Surrey SM1 1JB and who can be contacted on 0800 012 4478. Assuranty Nationwide Limited is an Appointed Representative of European Specialty Risks Limited which is authorised and regulated by the UK Financial Conduct Authority. Firm Reference Number 565023. Any questions, claims or complaints regarding this policy should initially be sent to Assuranty Nationwide Limited by telephoning them on 0800 012 4478.

DEFINITIONS

Accidental Damage means the cost of repair to or replacement of Your Equipment following physical damage as a result of a sudden and unforeseen cause which stops the Equipment working.

Administrator, Our, We or Us means Assuranty Nationwide

Breakdown means the cost of repair to or replacement of Your Equipment following a mechanical or electrical fault which stops the Equipment from working properly.

Certificate of Insurance means the document which is issued by the Us as evidence of cover and forms part of this Policy.

Equipment means Your Equipment as shown on Your Certificate of Insurance.

Insurer  means Templeton Insurance Limited, Analyst House, Peel Road, Douglas, Isle of Man, IM1 4LZ, authorised by the Isle of Man Financial Services Authority (IOMFSA). Details of registration can be checked on the Register of Regulated Entities provided by the IOMFSA http://www.iomfsa.im/entitiessearch.aspx

Period of Cover means the period during which this Policy is in force as shown on Your Certificate of Insurance.

Premium means the monies You have agreed to pay for this Policy as shown on Your Certificate of Insurance.

Start Datemeans the date this Policy commences as shown on Your Certificate of Insurance.

You, Your, Policy Holder or Insured means the party set out on Your Certificate of Insurance who is entitled to cover under this Policy.

PERIOD OF COVER

You can find your policy period cover under the ‘Payment frequency’ section of your insurance certificate.

For Monthly Policies

One calendar month from the Start Date shown on Your Certificate of Insurance and thereafter for each consecutive corresponding monthly period for a total period of 12 months.

For Quarterly Policies

One quarter from the Start Date shown on Your Certificate of Insurance and thereafter for each consecutive corresponding quarterly period for a total period of 12 months.

For Annual Policies

12 month period from the Start Date shown on Your Certificate of Insurance.

WHAT IS INSURED

You are covered under this Policy for Breakdown and Accidental Damage of Your Equipment during the Period of Cover.

In the first instance We will try to resolve the issues You are having with Your Equipment through Our helpline.  If it is not possible to resolve the problems with Your Equipment over the telephone we will send an engineer to You to repair Your Equipment.

In the event that Your Equipment cannot be repaired We will replace Your Equipment. This replacement will be to similar size and specification and to the current value of Your appliance. If We cannot reasonably arrange a replacement We will pay You a contribution towards the cost of replacing Your Equipment for equipment of a similar size and specification. This contribution will be in the form of vouchers for the retailer chosen by Us and will be for the price We would have otherwise obtained directly from Our chosen supplier. This contribution will calculated based on the age and current value of Your appliance. The age of Your appliance will be estimated by Our engineer. If you disagree with the age Our engineer estimates, You will be required to provide Your receipt or proof of purchase. We will otherwise agree with the age Our engineer estimates.

If We replace Your Equipment You will be responsible for disposing of Your original Equipment at Your own cost.

POLICY LIMITS

Equipment identified on Your Certificate of Insurance (excluding second and subsequent televisions)

You are able to make a claim under this Policy for losses up to the value of £500 per claim unless a lower limit is specified for any equipment item in your Certificate of Insurance.

Second and subsequent televisions identified on Your Certificate of Insurance

You are able to make a claim under this Policy for losses up to the value of £250 per claim.

WHAT IS NOT INSURED

The following are excluded from the cover provided under this Policy:

1.    Any claims within the first 21 days of the Policy start date will be subject to a £100 excess. All claims made after 21 days will be subject to a £50 excess fee (all claims made if Your appliance is over 3 years old will be subject to a £75 excess);

2.    Repairs or replacements of Equipment where such faults are still covered by the manufacturer’s, supplier’s or repairer’s warranty;

3.    Where the Equipment has been recalled by the manufacturer;

4.    Faults which are due to a generic manufacturing defect;

5.    Faults which arise from Your Equipment being modified in a manner which is not authorised by the manufacturer including but not limited to any upgrade or the addition of non-approved accessories;

6.    Faults resulting from You failing to follow the operating instructions of Your Equipment;

7.    Any claim where You use the Equipment for a non-domestic purpose or in a commercial environment;

8.    Any fault or damage which has been caused, directly or indirectly, by faults with the domestic supply of electricity and/or Gas and/or water;

9.    Any fault or damage caused by any theft, attempted theft, malicious damage or damage caused by fire or explosion.

10.  Repairs for faults relating to a reduction in image retention on LCD screens, plasma or projection TV screens; pixilation, gas discharge, re-gassing or image burn on any surface or screen. Pixilation means the failure of either a Liquid Crystal Screen (LCD) or Plasma screen pixel to react to the signal applied to it.

11.  Faults or damage resulting from a software virus, the configuration of user settings, the backing up or recovery of data, the loss, corruption or damage of/to data or the operating system of the Equipment.

Where an engineer is sent to repair Your Equipment You will be liable to pay for the cost of this where no fault is found with Your Equipment.

The Policy does not cover the following:

1.    Routine maintenance, cleaning and servicing;

2.    Work which You require to take place outside of Our Engineer’s normal working hours (which are 9.00am to 5pm Monday to Friday, excluding bank holidays).

3.    Equipment which has to be repaired outside of the United Kingdom, Isle of Man, Channel Islands and Northern Ireland;

4.    Any costs which are incurred as a result of not being able to use Your Equipment;

5.    Any damage to property or personal injury;

6.    Any costs which do not result from the event giving rise to a claim;

7.    The replacement of any item which is intended to be replaceable such as fuses and batteries;

8.    Cosmetic damage which does not affect the use of Your Equipment;

9.    Equipment and/or connected cables which has not been installed properly;

10.  Equipment which was not working in accordance with the manufacturer’s specification before the Policy was taken out.

11.  Any claims within the first 21 days of the Policy start date will be subject to a £100 excess. All claims made after 21 days will be subject to a £50 excess fee (all claims made if Your appliance is over 3 years old will be subject to a £75 excess);

12.  Any pre-existing fault prior to You taking out this insurance.

13.  Costs of rearranging missed appointments with couriers/engineers;

14.  Any repairs We have not authorised or repairs not carried out by one of Our approved engineers;

We will not provide services under this Policy if We are prevented from doing so as a result of an unusual or foreseeable event or circumstance beyond Our reasonable control (‘Force Majeure’). This would include, but is not limited to, war, threat of war, riot, civil disturbance or strife, terrorist activity (actual or threatened), industrial dispute, natural or nuclear disaster, fire, flood, drought, major adverse weather conditions, levels of water in rivers and Acts of God.

HOW TO MAKE A CLAIM UNDER THIS POLICY

If You experience any issues with your Equipment during the Period of Cover You should call Our helpline on the number below.  In the first instance We will try to remedy any issues over the telephone.  If We are unable to do so You are able to make a claim under the Policy and we will send an engineer out to You.

Before we arrange an engineer for You, You will be required to pay the excess fee.

For Monthly or Quarterly policies, if Your appliance requires replacement You will be required to pay all remaining premiums for the year before a replacement is arranged for You.

Our helpline can be contacted on 0800 012 4478.

CANCELLING THIS INSURANCE POLICY

You may cancel this Policy at any time by writing to Us on the contact details below.

If You cancel this Policy within 21 calendar days of receiving it You will receive a full refund of any Premiums You have paid to Us.  If however You have made a claim during this period We reserve the right to deduct the cost of that claim from the refund of Premium which is due to You and We will tell You if We are making this deduction.

If You cancel this Policy after 21 calendar days of receiving it cancellation will be effective immediately.

For Monthly Policies

You will not be charged any more Monthly Premium amounts and You will not receive a refund of any Premium You have paid to Us.

For Quarterly Policies

You will not be charged any more Quarterly Premium amounts and You will not receive a refund of any Premium You have paid to Us.

For Annual Policies

You will be entitled to a pro-rata return of Premium for the number of complete unexpired days remaining of Your Policy less an administration fee of £20. You will not be entitled to a pro-rata refund if a claim or an incident that may give rise to a claim has occurred.

TERMINATION

This Policy will automatically terminate if You fail to pay the Premium due to Us.

RENEWAL

For Monthly Policies

We will notify You at least 21 days before the anniversary (and each subsequent anniversaries) of this Policy to remind You that We will continue to take the same regular payment of Premium from You unless You ask Us to cancel this Policy.

For Quarterly Policies

We will notify You at least 21 days before the anniversary (and each subsequent anniversaries) of this Policy to remind You that We will continue to take the same regular payment of Premium from You unless You ask Us to cancel this Policy.

For Annual Policies

We will contact You at least 21 days before this Policy is due for renewal to notify You that this Policy will renew automatically. If You do not ask Us to cancel this Policy We will take a payment for the renewal Premium.

GENERAL INFORMATION

Insurer Information

This policy is underwritten by Templeton Insurance Limited an Isle of Man company having its offices at Analyst House, Peel Road, Douglas, Isle of Man IM1 4LZ, authorised by the Isle of Man Financial Services Authority.

Policy Administrator

This policy is administered by Assuranty Nationwide Limited an Appointed Representative of European Specialty Risks Limited. Registered office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB.

European Specialty Risks Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 565023. This information can be checked by visiting the FCA’s website.

Compensation Scheme

We, the Agent and the Insurance Provider are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if any of these parties cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information about compensation scheme arrangements are available from the FSCS. Telephone 020 7892 7300. Email: complaint-info@financialombudsman.org.uk The Insurer, Templeton Insurance Limited, is governed by the Isle of Man Financial Services Authority and is not covered by the FSCS.

COMPLAINTS PROCEDURE

If You are dissatisfied with the service You are provided with by Us or under this Policy please contact Us using the contact details below quoting Your Policy number. Postal address: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Email info@assurantynationwide.co.uk We will acknowledge the complaint within 5 business days of receiving it and do Our best to resolve matters within 2 weeks. If You are not satisfied by Our response You may contact the Insurance Provider using the contact details below quoting Your Policy number. Post: Leisure Warranties Limited, 11 St James Place, London, SW1A 1NP Email: customerservices@leisurewarranties.com Telephone: 0345 557 8334

If You are dissatisfied with the response You receive in relation to Your complaint or Your complaint is not resolved within 8 weeks You have the right to refer your complaint to the Financial Ombudsman Service.  You may contact the Financial Ombudsman at:

The Financial Ombudsman Service (FOS), Exchange Tower, London E14 9SR.
Telephone: 0845 080 1800.
Email: complaint.info @financial-ombudsman.org.uk.

Following this complaints procedure does not affect Your right to take legal action.

DATA PROTECTION

PLEASE READ this notice as it explains the purposes for which the Insurer, European Specialty Risks or We will use Your personal information.

Each of the Insurer, European Specialty Risks and Us is a data controller (as defined in the Data Protection Act 1998) of the personal information each of them collects about You in connection with this policy.

Your personal information will be used for the following purposes: (a) for administration of this policy including, but not limited to, underwriting, administration and claims handling; (b) to communicate with You in connection with this policy; (c) for internal analysis and research; (d) to comply with legal and regulatory requirements; and (e) to help prevent, detect or deal with crime or fraud.

Each of the Insurer, European Specialty Risks and Us use agents and service providers to collect, hold and process on its behalf Your personal information for the purposes set out in this policy. These agents and service providers act on the Insurer’s, European Specialty Risks or Our instructions (as applicable) and will only use information as the Insurer, European Specialty Risks or We tells them to.

The Insurer, European Specialty Risks and We may disclose Your personal information to third parties (including to the police, other governmental bodies and other insurers) as required by law or if the Insurer, European Specialty Risks or We think the disclosure may help to prevent, detect and deal with crime or fraud.

You have the right to ask for a copy of the information the Insurer, European Specialty Risks or We hold about You (for which the Insurer, European Specialty Risks or We may charge a small fee). If You find at any time that any of the information the Insurer, European Specialty Risks or We hold about You is incorrect then You should promptly notify the Insurer, European Specialty Risks or Us and the Insurer, European Specialty Risks or We (as appropriate) will correct the inaccuracy.

You can contact Us about privacy issues or comment or complain about the Insurer’s, European Specialty Risks or Our privacy practices by contacting Assuranty Nationwide Limited, Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Telephone: 0800 012 4478
Email: info@assurantynationwide.co.uk

ALTERATION AND ASSIGNMENT

You are not permitted to assign to another person(s) or change in any way the rights under this Policy without the written consent of the Insurer or its agent, acting on its behalf.

EXCLUSION OF THIRD PARTY RIGHTS

Nothing in this Policy is intended to confer a directly enforceable benefit on any other party and therefore the provisions of the Contracts (Rights of Third Parties) Act 1999 do not apply.

GOVERNING LAW

This Policy, and any dispute concerning its interpretation, is governed by the laws of England and Wales and the jurisdiction of the English Courts will apply.  We will communicate in English.