Terms of Business

 

Access to the website is subject to the following terms and conditions and by accessing you confirm you have read understood and accept these website terms of use. The terms we us and our means Pluginsure, P F Spare and associated companies. You means you the website user.

 

Company Information

The website is made available by P F SPARE t/a Pluginsure
34 High Street
Measham
Swadlincote
Derbyshire DE12 7EB

P F Spare are authorised and regulated by the Financial Services Authority  no 306747
You can check on the website www.fsa.gov.uk/register.

 

Website Access

 

Website Access and Availability

The Website, and the information and services provided on or through the Website, are directed at those who can access the Website from the United Kingdom and are intended for use solely by residents of United Kingdom. Any online services and information we provide to you at your request will be in respect of insurance policies, which are subject to English law. You must not use the Website or its content in countries where you are restricted or prohibited from doing so by local laws, regulations, codes and/or customs.
The Website is provided on an “as is” and “as available” basis and, whilst we have taken care in the preparation of the Website, we do not warrant that you will always have access to the Website (in whole or in part) or that access to the Website will be uninterrupted or error-free at all times. In addition, we do not warrant that your use of the Website or any material downloaded from it will not cause damage to any property, including, but not limited to, loss of data or computer virus infection.

 

Accuracy of Information

The information on this site shall be kept accurate and up to date. Whilst we have taken care in the preparation of the Site, as certain technical matters may be beyond our control, we cannot guarantee that you will have uninterrupted or error free access to all or any part of the Site at all times or that any defects will be remedied or that the Site or the server that makes the Site available are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services. We give no warranty and make no representation regarding the reliability, accuracy and completeness of the information on the Website and we accept no liability for any errors or omissions.

On occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract and a refund will be offered.

Certain information on the Website is provided by third parties and you acknowledge and agree that neither we nor our suppliers have any control over the accuracy or completeness of such third party information.

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Copyright and Use of Website

You acknowledge that the copyright in the Website and its entire content (including, but not limited to, design, graphical, auditory and text arrangements, database rights and other intellectual property rights) belongs to Pluginsure or their related, affiliated or subsidiary companies. You may only use the Website for your own private non-professional use and not for commercial purposes. You may display, retrieve, print, copy or download the content of the Website in whole or in part for your personal use only. You may not otherwise transfer, copy, distribute, upload, transmit, modify, publish or reproduce the content of the Website in whole or in part in any material form without prior written consent from Pluginsure or their related, affiliated or subsidiary companies.
Entry to, or interference with, the Website, with intent to corrupt, damage or deny service from the Website, or for any other commercial benefit, shall be taken seriously and we shall take such action as is necessary to protect the Website from any such activities in order to protect our intellectual property rights.

 

Trademarks

The names Pluginsure and any other images, logos, icons and trademarks of Pluginsure or other members of the P F Spare group featured on the Website are the proprietary marks of P F Spare. The names, images, logos and icons of third party companies, products or services featured on the Website are or may be the trademarks of their respective owners.
Unless otherwise agreed in writing with us, nothing on the Website shall be deemed to confer on you any licence or right to use any featured name, image, logo or trademark and any such use may constitute an infringement of our, or a relevant third party’s, rights as owner.

 

Use of your Personal Information

In using the Website you agree to be bound by our Privacy Policy which forms part of these Website Terms of Use and you understand and agree that any personal information (including sensitive information) you provide through your use of the Website will be dealt with in accordance with our Privacy Policy. Access our Privacy Policy.

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Limitation of liability

Nothing in these Website Terms of Use restricts or excludes our liability to you for death or personal injury caused by our negligence, or to the extent liability arises as a direct result of our fraud or wilful default.
Subject to the above, and as specified in these Website Terms of Use, we shall not be liable for any losses, damages, costs, claims, expenses or liabilities whatsoever (whether direct, indirect, special, consequential or otherwise) arising out of or in connection with:

• the content of the Website;
• any unavailability of the Website or certain areas of the Website;
• any amendments or changes to the Website or its content; and
• your use of the Website otherwise than in accordance with these Website Terms of Use.

 

External Links to and from the Website

Some pages on the Website may contain hypertext links to websites not operated or maintained by us (“Third Party Websites”) which we hope will be of interest to you. You are reminded that when you enter Third Party Websites by means of hypertext links from the Website you will leave the Website and will be subject to the terms and conditions and privacy policies of those Third Party Websites. Similarly, if you enter the Website by means of hypertext links from Third Party Websites you will be subject to these Website Terms of Use.

Hypertext links to Third Party Websites are provided for your convenience only. You acknowledge and agree that we do not endorse, and are not responsible in any way for the availability of, information or content displayed on, or software downloaded from, such Third Party Websites (including, without limitation, any advertisements about investment products and services) and we do not endorse or make any recommendation about products and services that are advertised or promoted on such Third Party Websites. We are not liable for any loss or damage which may arise from your use of any Third Party Websites.

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E-mail communications

Messages sent over the internet cannot be guaranteed to be completely secure and may be subject to possible interception by third parties. For these reasons, please do not use email to send us communications that contain confidential information. We are not responsible for any messages sent over the internet and will not be liable to you or anyone else for any loss suffered in connection with any message sent over the internet. Please note that we are unable to provide insurance quotes and cover via email.

 

Amendments to Website Terms and Conditions

From time to time we may amend or update these Website Terms of Use and/or the content of the Website without informing you in advance. The Website will always display the current version of the Website Terms and Conditions. By using, and continuing to use, the Website you acknowledge that you accept any such amendments or updates and so we recommend that you review these Website Terms of Use and the content of the Website regularly.

 

Governing Law and Jurisdiction

These Website Terms of Use are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.

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Services

We offer products from a range of insurers for Motor Insurance to online customers.
           
We will offer quotations to online customers based on the information you have given for you to select a policy.
If you take out a policy through ourselves online during the life of the policy we will assist in the administration of the policy, make any adjustments if you instruct us to, advise you if you need to make a claim and tell you when the policy is due for renewal.
       
Motor Legal Expenses £12
This policy is provided by Angel Assistance and underwritten by IGI Insurance Ltd.
           
Breakdown and Roadside Assistance £56.00
This policy is provided by Broker Direct and administered by RAC.

 

Charges

A documention charge of £10 will be applied to any changes such as change of vehicle, address or drivers when you instruct us to make the change. This is in addition to any insurer charge.

Refunds:  Any refund of premium given by the insurer following mid term adjustment or cancellation will be subject to deduction of commission before the refund is issued. You should check on the policy wording to ensure that you understand the insurers cancellation charges since these vary from insurer to insurer.

In the event of non-payment a debt collection agency will recover any outstanding debt, which will include their fees and all legal and court costs.  The minimum fee will be £50.00 plus 18% of the debt plus VAT.

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Risk Transfer

For your information the premium paid to ourselves for your policy will be held in an insurance broking bank account specifically used for the purposes of holding client premiums. By virtue of agreements we hold with insurers we collect premiums as agent of the insurer. Once we have collected premiums from you those premiums are treated as having been paid to the insurers. We will remit the premiums to the insurers after deduction of our commission in accordance with the terms of our agreements with insurers.

 

Cancellation

Under the terms of the FSA Insurance Conduct of Business you may cancel a general insurance contract (apart from a short period travel policy) within 14 days of inception or renewal by returning the certificate/cover note and confirming your instructions in writing.  The cancellation period begins on the day you received the written details of the contract. Your insurer will make a proportionate charge for the period of cover and a £50.00 fee will be charged by us.  If a claim has been reported during this period the policy may be cancelled but the full premium will be due to the insurer.

 

Professional Indemnity

We conform to the FSA requirements in respect of Professional Indemnity Insurance.  This type of insurance is mandatory.

Quotations

Your quotation is valid for a period of 30 days provided that all the information given at the time of the quotation is correct and in full.  If any changes, including the advised inception date, have to be made to the quotation this may affect the premium.  Insurers reserve the right to change the terms of their policies which may affect the premium.

 

Policy Terms

A Policy Summary is available prior to the conclusion of the contract.  You are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you will purchase. The full policy wording and the certificate and schedule will be posted to you as soon as possible after the policy has been purchased. There may be occasions when your policy is transferred to another different provider without prior discussion with yourself. In these circumstances the decision will have been taken in your best interests and cover will remain the same.
It is important that you understand that any information statements or answers made by you to your insurer are your responsibility and must be correct. Any failure to disclose facts material to the insurance or any inaccuracies may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters or information which may influence your insurer as to the acceptability or otherwise of your proposal or renewal and must be disclosed throughout the life of the policy. You are advised to keep copies of documentation sent to or received from us for your own protection. If you are in any doubt on any aspect please contact us.

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Data Protection

P F Spare t/a Pluginsure is registered as the data controller under the Data Protection Act 1998, registration number Z5788882 . We will hold and process your personal data for insurance administration and marketing.  You have the right to see personal information about you that we hold in our records. Should you have any queries please write to:

The Data Controller
Pluginsure
34 High Street
Measham
Swadlincote
Derbyshire
DE12 7EB

Unless required by law or for the insurer databases below, all information you provide will be kept confidential to us and parties involved in the normal course of arranging and administrating your insurance.

For further details of the information we collect about you and how we use it please see our full privacy policy.

 

Claims

If you need to claim on your policy you must notify your insurer and us immediately. Your insurer’s claim line number is in the policy booklet and our telephone number is 01530 270574. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimize the loss until you have agreement from your insurer.

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Documents

With your consent we reserve the right to retain certificates or other policy documents at this office until all payments due under the policy have been made or outstanding documentation received. Any agreed facilities for payment of premiums by instalments through us will be the subject of a written agreement, which will include authority to retain certificates of insurance or other policy documents until all payments have been received. By accepting this agreement, you agree that delivery of any certificates of insurance to us shall constitute delivery to yourself in accordance with statute law. Should we withhold any documents we will ensure you receive full details of your insurance cover.

 

Complaints

It is always our intention to provide a first class service. However, should you have any cause for complaint you should in the first instance contact by phone or in writing to:

Robert Spare
Pluginsure
34 High Street
Measham
Swadlincote
Derbyshire
DE12 7EB

Your complaint will be acknowledged within 5 business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a formal written response within 20 business days from receipt of the original complaint. If the complaint cannot be resolved within this timescale we will write with an explanation as to the progress and the likely timescale involved. You will be advised of any further redress available to you, should you believe the matter has not been resolved to your satisfaction.

Your insurer also operates a complaints procedure, details of which are in your Policy.

If you are not satisfied with how your complaint has been handled you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk. Their address is:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 020 7964 1000.
Email: complaint.info@financial-ombudsman.org.uk

 

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. If we cannot meet our obligations you may be entitled to compensation. This will depend on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000.00 and 90% of the remainder of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS www.fscs.org.uk. Their address is:

Financial Services Compensation Scheme
7TH Floor, Lloyds Chambers
Portsoken Street
London
E1 8BN
Telephone: 020 7892 7300

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Your statutory rights

Your acceptance of these terms of business does not affect your statutory rights.

 

Privacy Policy

We are Pluginsure an associated company of P F Spare, FSA registration number 306747.  We respect the privacy of every individual who visits our insurance website (“the Site”).  By entering, browsing and using this Site, you agree to this policy governing your use of the Site.  If you do not accept this policy, you must not use this Site.

We may change this privacy policy from time to time without notification and they therefore advise you to regularly review the policy when you visit this Site.

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1. Collection and use of your personal information

1. We will only collect personal information from you (e.g. name, address, telephone number, email address) which you have provided voluntarily by completing the forms on this Site and/or which you have sent to us via email.  If you do not want your personal data collected, please do not submit it to us.
2. You agree that we may obtain, hold and use the personal information you provide for the purposes of providing you with our services and ancillary services (the “Purposes”).  These include, without limitation:
   
   
1. processing requests for quotations and providing you with  insurance;
2. storing and processing information to better understand your needs and improve our products and services;
3. contacting you if we change our products and services or terms or if we need to give you notice of such terms;
4. for any purpose required by law or regulation; and/or
5. for our accounting purposes.
6. share product service and company news with you or for other
7. legitimate reason described by law

Only Pluginsure or associated companies will send you these mailings.

If you do not want to receive mailings any longer simply notify us by

Fax:    01530 270574
Email:  unsubscribepluginsure@pfspare.co.uk
Post:   Pluginsure, 34 High Street, Measham, Swadlincote, Derby DE12 7EB

3. You consent to the transfer of your personal information outside the European Economic Area (which may not provide the same protection for your personal information) in the unlikely event that the processing of your personal information involves such a transfer.

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2. Sharing your information

1. As a general rule, we do not share, sell or distribute personal data with third parties except where you have consented to this or the insurer of any policy which you may purchase from us and the relevant insurance and claims databases  or where the transfer of your data to third parties is required for the Purposes.

   This would include but not be restricted to disclosing your personal information to
   The extent required or authorised by application law, if ordered to do so by a court or government authority as appropriate or to ensure we comply with our Legal obligations

   Insurers pass information to;

   The claims and underwriting exchange run by Insurance Database Services
   www.cueuk.org.uk

   The Motor Insurers Database run by the Motor Insurers Information Centre
   www.miic.org.uk

   The Motor Insurers Anti fraud and theft register run by the Association of British
   Insurers
   www.micc.org.uk

   These databases may be searched by the police to help confirm who is insured to drive

2. We may share with others, at our discretion, certain aggregate statistical data about product purchases and the use of our content, which data may include demographic data such as the age range and/or geographic location of groups of users.  No personal information (such as names or email addresses) will be identifiable from such statistics.
   
   
3. We may transfer, sell or assign any of the information described in this policy, including without limitation in points 1 and 2 above and point 2 below, including personally identifiable information, to third parties, as a result of the sale, merger, consolidation, change in control, transfer of substantial assets, reorganisation or liquidation of P F Spare.

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3. Cookies

1. We may from time to time use a feature of your internet web browser called a ‘cookie’ on the Site.  A cookie is a very small text file that your web browser places on your computer’s hard disc when you first visit the Site, which allows us to help you get the best out of your visit to the Site.  A cookie can be thought of as an identification card which allows us to identify your computer (but not you) the next time you visit the Site.
2. In addition to asking you to submit personal information, we may collect information about you automatically when you connect to the Site.  This information is not personally identifiable and includes general information about your computer settings, your connection to the internet, your browsing patterns and your geographical location.  We may collect this information through the use of cookies.  We may use the information collected in this way to adapt this Site so that it better suits you and your interests.  Most internet browsers give you the option to reject all cookies, accept all cookies, erase cookies stored on your computer or be notified before a cookie is stored on your computer.  You will need to refer to your internet browser instructions to find out more about these options and how to use them.

 

4. Security

1. Subject to clause 4.2 below, we seek to protect the security of your personal information and your choices for its intended use. 

2. As you may be aware, no data transmission over the internet can be entirely secure.  As a result, while we will always use reasonable endeavours to protect your personal information, we cannot guarantee that any information you submit to us will be free from unauthorised third party intrusion.  Therefore, we cannot guarantee the security of your personal information and/or the use of this Site.

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5. Monitoring emails

1. We may monitor and/or keep records of email communications which you send to us and other communications with you in accordance with this policy and otherwise in the interests of our business. In addition for your protection telephone calls may be recorded for quality control monitoring or training purposes.

 

6. Links

1. The Site may contain links to other websites.  Please be aware that we are not responsible for the privacy practices of such other websites.  When you leave the Site you must ensure that you read the privacy policies of websites you visit which collect information about you.  This privacy policy relates only to information collected by us through this Site.

 

7. Your rights

1. In addition to our safeguards your personal data is protected in the UK by the Data Protection Act.  This provides amongst other things that the data we hold about you should be processed lawfully and fairly.  It should be accurate, relevant and not excessive.  The information should, where necessary, be kept up to date and not retained for longer than is necessary.  It should be kept securely to prevent unauthorised access by other people.  You have the right to see what is held about you and correct any inaccuracies.
2. For further information on the Data Protection Act and the Information Commissioner please follow this link www.dataprotection.gov.uk.

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8. Accessing personal information

1. You can ask to review the personal information we hold about you and ask us to change or delete any of this information.  To do this, you should contact P F Spare 34 High Street, Measham, Swadlincote, Derby DE12 7EB or

2. email pluginsure@pfspare.co.uk

3. We may charge a small administration fee of £10 (or such higher amount as we may be entitled by law to charge) in relation to any requests for access to personal information.

4. Please help us keep your personal information current and accurate by contacting us if your personal information becomes out of date.

 

Regulatory Information

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FSA (Financial Services Authority)

The Financial Services Authority is an independent non-governmental body, given statutory powers by the Financial Services and Markets Act 2000.

www.fsa.gov.uk

Money Made Clear

Impartial information form the FSA, the UK's financial watchdog. No selling, no jargon, Just the facts.

www.moneymadeclear.fsa.gov.uk