Terms and Conditions
Duck2Water Car Insurance
Duck2Water Car Insurance is a trading name used by InsureTheBox Limited who arranges the sale of motor insurance policies on behalf of other insurers. InsureTheBox Limited is authorised by the Gibraltar Financial Services Commission (registered number: FSC01082B) and is authorised and subject to limited regulation by the Financial Services Authority.
Details about the extent of the authorisation and regulation by the Financial Services Authority are available on request, or can be found on the FSA website at www.fsa.gov.uk/register/.
InsureTheBox Ltd is a wholly owned subsidiary of Box Innovation Ltd which is incorporated in Gibraltar (Company Number: 102344) and whose registered office is: Montagu Pavilion, 8-10 Queensway, Gibraltar. InsureTheBox Ltd is incorporated in Gibraltar (Company Number: 102568) and whose registered office is: Montagu Pavilion, 8-10 Queensway, Gibraltar.
Duck2Water Car Insurance acts as an introducer of business to chosen regulated insurance intermediaries who arrange the sale of motor insurance policies on behalf of other insurers.
You will not receive any advice or a recommendation from us. However, we may ask some questions to focus on the selection you make - you will then need to make your own choice about how to proceed.
The insurers underwriting the policy are described in detail on the Certificate of Motor Insurance and within the Policy Booklet. Ancillary products supplementary to the motor insurance product are supplied on a similar basis, except that the insurers for those products may be different to those named above. Details of the product provider of each ancillary product supplied can be found in the relevant sections of this website and within the Key Facts document. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. A copy of all our policy documentation is available online and on request.
Your Duty of Disclosure
Your insurance contract, including terms, conditions and premiums are based upon the information provided and subject to acceptance by the insurer. You must ensure that you are complying with your legal duty in disclosing all material facts relating to the risk.
It is your responsibility to provide complete and accurate information to the insurer throughout the life of your policy, this begins from the point of quotation, throughout the policy duration and when the contract is renewed. Any change in your circumstance or the risk itself must be notified to the insurer immediately, cover may be invalid until your insurers have agreed cover based on any such change.
Any failure to disclose material facts accurately to your insurers may invalidate your insurance cover and could result in all or part of a claim not being paid. Your insurers hold the right to cancel or void all cover in these circumstances. It is important that all documentation sent to you is checked by you immediately to ensure all information is correct. If any information is incorrect please advise your insurer immediately.
What You Pay
Duck2Water Car Insurance makes no charge to you for making the introduction.
All premiums quoted will be the total cost which you will pay including Insurance Premium Tax but excluding any interest that may be due (dependant on your payment method). Claims
In the unfortunate event that an incident occurs which may give rise to a claim, whether fault or non-fault it is your duty to advise your insurers without delay. All correspondence received from any third party must be forwarded to your insurer immediately upon receipt as failure to do so may prejudice your insurers position and they may seek recompense from you for such loss.
The Service is provided "as is" and on an "as available" basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.
We will endeavour to allow uninterrupted access to this Website, but access may be suspended, restricted or terminated from time to time. We will not be liable, for any reason, if the website in unavailable for any period.
We reserve the right to change, modify, substitute, suspend or remove without notice any information, service or content on this website.
In addition we cannot warrant that this site will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
We assume no responsibility and provide no warranty, guarantee or representation for content or services of any other website which links to or from this website.
Any material and / or data downloaded or obtained through us of this website or any of the websites mentioned in this website is at your own discretion and risk. You hold sole responsibility for any damage to your computer system or loss of data that results from downloading of such material and / or data.
All intellectual property including, but not limited to, the copyright, trademarks and all other intellectual property rights in the whole and every part of this website are owned by or licensed to InsureTheBox Ltd unless otherwise indicated.
Such material may not be used, sold, copied, licensed, distributed, transmitted, published or reproduced in whole or in part in any manner or form or in any media by any person without prior written consent of InsureTheBox Ltd.
This website is solely for the use by private individuals. You are not permitted to use this site or copy material from this site for commercial purposes.
We make no warranty or representation that the website(s) will meet your requirements, that they will be of satisfactory quality, that they will be fit for a particular purpose, that they will not infringe the rights of third parties, that they will be compatible with all systems, that they will be secure and that all information provided will be accurate.
We aim to correct errors and omissions as soon as possible once we are aware, however, on occasion there may be an error in the information or service shown. We take every effort to ensure our website is accurate and up to date. However, all warranties (whether express or implied) and all liability to you in respect of this site, its contents and or your use of the same, are excluded to the fullest extent permitted by law.
This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from any of the websites.
If any provision in these terms and conditions shall be found by any court or administrative body 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.
Insurers pass information to the Claims and Underwriting Exchange register, run by Insurance Database Services Ltd and the Motor Insurance Anti Fraud and Theft Register, run by the Association of British Insurers. When you contact us with your insurance request the insurer to whom we introduce you to may search these registers. Under the conditions of your policy you must inform them about any incident which may or may not give rise to a claim, this information will be passed to these registers.
When a motor insurance policy is taken out with an insurer your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police to establish whether a driver's use of the vehicle is likely to be covered by a motor insurance policy and / or for preventing and detecting crime. If you are involved in an accident other UK insurers, the Motor Insurers Bureau and MIIC may search the MID to gain policy information.
Persons with a valid claim is respect of a road traffic accident may also obtain information which is held on the MID.
You may find out more about this at www.miic.org.uk.
Law and Jurisdiction
These terms and conditions and the relationship between you and us shall be governed by and construed in accordance with the Law of England and Wales and we and you agree to submit to the exclusive jurisdiction of the Courts of England and Wales.
All quotations which are provided are in respect of policies subject to the law of England and Wales and subject to the exclusive jurisdiction of the English Courts save in the case where your policy otherwise provides.
Limitation of Liability
To the maximum extent permitted by law, we accept no any liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of our website or any information contained therein. Users should be aware that they use the website and the content therein at their own risk.
Nothing in these Terms and Conditions excludes or restricts our liability for death or personal injury resulting from any negligence or fraud on our part.
Whilst every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions.
This term shall apply only within jurisdictions where a particular term is illegal.
In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.
Links to Other Web Sites
This Web Site contains links to other sites. Unless expressly stated, these sites are not under our control. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Web Site does not imply any endorsement of the sites themselves or of those in control of them.
Road Traffic Act 1988
It is an offence under the Road Traffic Act to make any false statement or withhold any material information for the purpose of obtaining a certificate of insurance.
Rehabilitation of Offenders Act 1974
Please note that you are not required to disclose convictions regarded as "Spent" under the Rehabilitation of Offenders Act 1974.