INSTANT POLICIES (online service)
TERMS & CONDITIONS
INSTANT POLICIES is an online service made available free of charge to you by us enabling you to apply for policies online and download (also emailed to you) our issued policy immediately afterwards. We give no assurance that the facility will always be available nor do we accept liability for its unavailability for whatever reason and we further retain the right to withdraw or amend the facility on a wholesale or selective basis.
“We/Our/Us” refers to Alliance Indemnities Limited (full details at bottom of page), acting as agent of the insurer of any policy which you apply for using the INSTANT POLICIES system; and
“You/Your” refers to the professional firm or individual conveyancing practitioner including all employees working with their authority or under their direction or supervision as named in the online registration application form.
Your acceptance of these Terms and Conditions will be demonstrated when you tick the necessary box in your on-line registration request. Your registration application to use the INSTANT POLICIES online service will not be processed if you do not confirm acceptance of the Terms and Conditions.
1. You warrant and represent to us on submission of your registration application and on a continuing basis each time you apply for insurance using the INSTANT POLICIES online service that:
(a) You are an “authorised practitioner” or officer, member or employee of such practitioner, of a firm or company which is an authorised practitioner pursuant to the Legal Services Act 2007 or is/are otherwise permitted to provide conveyancing services in England and Wales pursuant to that Act, to the Solicitors Act 1974 or the Administration of Justice Act 1985;
For the avoidance of doubt the INSTANT POLICIES online system can only be used for residential properties located in England and Wales.
(b) You are either
i) authorised and regulated by the Financial Conduct Authority (FCA) in relation to non-investment business or
ii) regulated in relation to insurance mediation activity by a Designated Professional Body as defined under Section 326 of the Financial Services and Markets Act 2000 (e.g The Law Society) and you are recorded as such on the register maintained by the FCA
(c) Your arranging legal indemnity insurance is incidental to your provision of conveyancing or other legal services to your clients
2. In accessing INSTANT POLICIES online service and applying for insurance you are acting on your client’s behalf and not on behalf of us or the insurer. You have no authority to obtain any document or make any commitment on our behalf or that of the insurer other than to apply for policies of insurance issued by us following your online application.
3. You are responsible for payment of all insurance premiums (including Insurance Premium Tax payable thereon) for policies issued by us in response to your online application. Within 10 days of the Start Date (or such other period agreed in writing with us) of such a policy you will pay the premium by client account cheque or bank transfer to us.
4. When submitting an application to us you are confirming that all the Standard Criteria are satisfied to the best of your knowledge. If this is not the case or the value of the property exceeds £3m you will need to contact us for a bespoke quotation.
5. No commission is payable in respect of insurance obtained using the INSTANT POLICIES online service.
6. In respect of the provision of insurance to your client and in relation to any data we hold about you and/or your nominated users we are the data controller for the purposes of the Data Protection Act 1998. In relation to your application for insurance on behalf of your client, you are the data controller for the purposes of the Data Protection Act 1998. Neither you nor we are data processor on behalf of the other.
7. We undertake not to use information about your client submitted via the INSTANT POLICIES system for the purpose of contacting your client with solicitations for any insurance or other product.
8. You do not have authority to reproduce our logo other than on materials produced by us or by the INSTANT POLICIES system.
9. Your permission to use the INSTANT POLICIES online system is limited as set out in these conditions. You must not alter or amend in any way the records, documents and policy wordings as set out online or received by email.
10. You may not delegate transfer or sub-contract your permission to use the INSTANT POLICIES online system to any other person.
11. You must tell us immediately by email at alliance.indemnities @btconnect.com if you cease to be eligible to use the INSTANT POLICIES online system.
12. We do not accept liability for incorrect information on your policy application form.
13. We may amend these conditions at any time and with immediate effect. Notification of the change will be sent to all registered users by email.
14. All our policy wordings have been kept to 2 pages and are simply expressed. We recommend that for regulatory compliance purposes the full policy wording is provided to your clients rather than a policy summary.
15. Any failure by any party to enforce any of its rights under these conditions shall not be deemed to be a waiver of any such rights or operate so as to bar the subsequent exercise or enforcement of any such right.
These Terms and Conditions shall be governed by and construed in accordance with the Laws of England and the parties hereto submit to the exclusive jurisdiction of the Courts of England & Wales.
Alliance Indemnities Ltd is registered in England no 7699202, registered office 71 High Street Heathfield East Sussex TN21 8HU
Alliance Indemnities Ltd is authorised and regulated by the Financial Conduct Authority, reference number 593977
Where used alone Alliance shall also mean Alliance Indemnities Ltd
Alliance
