The following section sets out the conditions relating to your use of the website
content under the domain name swiftcover.com and other associated URLs (the "Site")
and to any correspondence by email between us and you. By using this Site you automatically
agree to these terms and conditions of use. If you do not accept these terms and
conditions in full, you should leave the Site immediately. You should also read
information you provide to us will be used.
We may amend these terms and conditions from time to time without notice. You should,
therefore, check this web page regularly for updated terms and conditions because
they are binding on you. Additional terms and conditions will apply to certain products
and services offered on this Site. We will draw your attention to these whenever
you browse, apply for and/or purchase any of these products or services. These additional
terms and conditions will override any conflicting term in these terms and conditions.
Swiftcover and swiftcover.com are both trading names of AXA Insurance UK plc. Swiftcover
general insurance policies are underwritten by AXA Insurance UK plc which is registered
in England and Wales registered number 078950 and authorised and regulated by the
Financial Services Authority, FSA number 202312. Registered address is 5 Old Broad
Street, London EC2N 1AD.
The Financial Services Authority website, which includes a register of all regulated
firms, can be visited at www.fsa.gov.uk/register,
or can be contacted on 08456 061 234.
Under the Financial Services and Markets Act 2000, should the company be unable
to meet all its liabilities to policyholders, compensation may be available. Information
can be obtained by visiting the Financial Services Compensation Scheme website at
Ownership of Material
All copyright, designs, graphical and text arrangements, logos, trademarks, database
rights and any other intellectual property rights in all material on the Site are
owned by swiftcover.com or its licensors. You may only use the material on the Site
in accordance with the limited licence stated in our copyright notice.
Use of Site
The Site is intended for your personal non-commercial use only. Interference or
entry to the Site with intent to corrupt, damage or deny service from the Site or
for commercial benefit is taken seriously and we will take any action necessary
to protect the Site from such activities. You acknowledge that damages
may not be an adequate remedy for any infringement and that we are entitled to the
remedies of injunction, specific performance, an order to deliver up materials which
infringe our intellectual property rights and any other statutory or equitable relief
and that no proof of special damages is necessary for reliance on such remedies.
Terms and Conditions of Our Products and Services
The Site content does not constitute an offer by us to sell products and services
to everyone who wishes to purchase. You should be aware that we retain the right
to accept or reject any request to buy the products or services, and any purchase
will be subject to the terms and conditions of that product or service.
The information and descriptions on the Site may not represent full or total descriptions
of all terms and conditions relating to our products and services. Complete details
will always be included in your schedule of cover, policy documents and/or conditions
It is your responsibility to ensure that the details you give to us while using
this Site are accurate Also you must make certain that you have sufficient funds
to cover the cost of any product or service you purchase.
Availability of Site
We have taken great care in preparing this Site. However, technical matters may
arise that are beyond our control. Therefore, we cannot guarantee you uninterrupted
or error free access to the Site at all times, that defects will be remedied, or
that the Site, or the server that makes the Site available, are virus free. Occasionally
access may be suspended or restricted to enable us to repair, maintain or update
Making a complaint
Swiftcover aims to provide the highest standard of service to every customer.
If our service does not meet your expectations, we want to hear about it so we can try to put things right.
All complaints we receive are taken seriously. The following will help us understand your concerns and give you a fair response.
Making your complaint
If your complaint relates to a claim on your policy, please contact the department dealing with your claim.
If your complaint relates to your policy, please contact the Swiftcover Help Team on 0871 230 9999.
Customer Relations Manager
9 Fudan Way
Stockton on Tees
Email : email@example.com
When you make contact please provide the following information:
Your name, address and postcode, telephone number and e-mail address
Your policy and/or claim number, and the type of policy you hold
The reason for your complaint
Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material.
Should you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS).
The FOS is an independent body that arbitrates on complaints about general insurance products.
You have six months from the date of our final response to refer your complaint to the FOS.
This does not affect your right to take legal action.
If we cannot resolve your complaint you may refer it to the Financial Ombudsman Service at the address given below.
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Tel: 0300 123 9123 or 0800 023 4567
Fax: 020 7964 1001
Email : firstname.lastname@example.org
Our promise to you
- Acknowledge all complaints promptly.
- Investigate quickly and thoroughly.
- Keep you informed of progress.
- Do everything possible to resolve your complaint.
- Use the information from complaints to continuously improve our service.
We provide links to third party websites for your assistance and convenience. When
activated, these links take you out of this Site. We cannot take responsibility
for or endorse the content or availability of any third party websites and we are
not liable for any loss or damage that you may suffer by using them.
Certain links on the Site will lead you to websites that are under the control of
other companies within The Primary Group worldwide. Please be aware that these sites
are operated on a local basis and may be subject to local laws and/or regulation.
These sites will have their own terms and conditions of use and privacy statements
which you should consult.
Site Access and Password Usage
This Site is intended for use by UK residents only. Applications for products or
services from non-UK residents will, unless otherwise stated, not be accepted.
In some areas on the Site you will be given the opportunity to register with us.
It is your responsibility to maintain the confidentiality of your details and your
password and to restrict access to your computer to prevent unauthorised access
to your account. You must inform us immediately if you have reason to believe that
your password is being used in an unauthorised manner.
Credit Card Transactions
To reduce credit card fraud and to ensure that any payments or refunds can be paid
to you, we keep your credit/debit card details for the duration of your policy.
It is our aim to correct errors and omissions as soon as possible. However, on occasion
there may be an error in the price or type of product or service shown. In such
an event we reserve the right to cancel any contract we may have entered into with
you. Of course, this will be without any liability to you and a refund will be offered.
Every effort is taken to ensure the Site is accurate and up to date. However all
warranties (whether express or implied) and all liability to you in respect of the
Site, its content and your use of the same, are excluded to the fullest extent permitted
This disclaimer does not affect your statutory rights in respect of any products
or services that you purchase from this Site.
If any provision in these terms and conditions shall be found by any court or administrative
body of competent jurisdiction to be invalid or unenforceable for any reason, such
provision shall be deemed deleted and will not affect the validity or enforceability
of the remaining provisions.
If you live in England and Wales , these conditions of use will be governed by English
law and the Courts of England and Wales will have exclusive jurisdiction to intermediate
on any dispute between us.
If you live in Scotland , these conditions of use will be governed by Scottish law
and the Courts of Scotland will have exclusive jurisdiction to intermediate on any
dispute between us.
Copyright and Intellectual Property Rights
Swiftcover and swiftcover.com are both trading names of AXA Insurance UK plc. The
copyright and other intellectual property rights in this site are owned by AXA Insurance
UK plc or by a third party that has given us permission to use them.
Printing, Copying and Saving
You may print or copy for your own personal use any part of this site, but otherwise
you are not allowed to copy or print either parts or all of this site.
*Call costs may vary depending on your service provider.