This Terms of Business agreement sets out the terms on which Ripe Insurance Services Limited agrees to act. It also identifies Your own responsibilities both to Us and to insurers and it sets out Our regulatory and statutory obligations. Please contact Us immediately if there is anything in these Terms of Business that You disagree with or do not understand.
"We", "Us", "Our" or "Ripe" means Ripe Insurance Services Limited, whose trading names include: Cycleplan; Golf Care; Gunplan; Insure4Boats; Insure4Drones; Insure4Music; Insure4Sport and Ripe Insurance.
"You" and "Your" means the individual person or people or business or organisation who is a policyholder or potential policyholder.
"Ripe Group" means Ripe Insurance Services Limited together with its parent company, subsidiaries and all other companies under the control by its ultimate parent company.
Ripe Insurance Services Limited of The Royals, Altrincham Road, Manchester M22 4BJ is authorised and regulated by the Financial Conduct Authority as an Insurance Intermediary. Our company’s Registration Number is 313411. Our service includes arranging and dealing as an agent of insurers and clients with respect to non-investment insurance policies. You can check these details online using the Financial Services Register (accessible from www.fca.org.uk) or by contacting the Financial Conduct Authority Helpline on 0800 111 6768, or 0300 500 8052 or +44 207 066 1000 from abroad.
We offer a wide range of insurance products. When We arrange your insurance, We will provide information only about a policy from one or more insurance undertakings without giving you advice or a personal recommendation, in which case We will provide the names of those insurance undertakings. You will need to make Your own choice about how to proceed.
We act on behalf of the insurers when arranging Your insurance.
By asking Us to quote for and arrange insurance, You are providing Your informed agreement to these Terms of Business. If You do not wish to be bound by these Terms then You should not instruct Us to set up, renew or otherwise deal with Your insurance needs.
You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers You give and statements You make as part of Your insurance application, including at renewal and when an amendment to Your policy is required, should be honest and accurate, and full answers must be provided with relevant details. If you are unsure whether a fact is relevant, please tell us anyway. If You deliberately or carelessly misinform the insurers, insurers may have the right to impose different terms, reduce the amount of any claim payable or to avoid (cancel) the insurance contract from the start and, in this event, any claims under the contract would not be paid.
If You are purchasing a policy on behalf of another person, group or team (‘The Insured’), it is Your responsibility to ensure that the duty of disclosure is met for the insured for whom cover is being purchased. It is also Your obligation to ensure that The Insured on whose behalf insurance has been purchased is aware of the full details of the cover. We are unable to accept responsibility for loss should a claim be rejected due to the non-disclosure by or on behalf The Insured.
To comply with data protection legislation and in connection with servicing Your policy in any way, should You require Us to deal with, communicate to or take instruction from someone else other than the person named on the policy, You must give Us Your express permission to deal with the other party and must put this in writing or email. You can withdraw this permission at any time by advising Us in writing or by email.
You and anyone on whose behalf You purchase Our insurance must be a permanent resident of the United Kingdom, unless otherwise agreed.
Policy information will be issued in a timely manner. Your policy documentation comprises of an Insurance Schedule and Insurance Booklet that will confirm the basis of cover, give details of the insurer and how to make a claim.
By providing Your email address, You are agreeing that We can contact You by email and that you give consent to receiving documents via electronic means and/or on a website
If You have provided an email address on application, Your policy documents will be sent to You via email within 24 hours of the policy being created or renewed. If the email has not been received or cannot be located within Your spam folder after this time period, it is Your responsibility to contact Us immediately for this to be resent. If no email address has been provided on application or You have specifically requested for policy documents to be sent via the post, these should be received within 14 days from when the policy was created or renewed. It is Your responsibility to contact Us immediately should policy documents not be received so they can be reissued. If You do not instruct Us that You have not received Your documents within 14 days of policy creation or renewal, then We will assume that all documents have been received within the timeframes stated and that You agree to the policy Terms and Conditions. Paper documents can be sent to You on request free of charge.
When You receive Your documents, please ensure that You read Your insurance policy carefully. In particular You should check the start (from) and end (to) dates, the name of the insured on the policy, the information on the insurance certificate/schedule is correct and that the cover chosen is adequate for Your needs. Failure to comply with the Terms and Conditions of the policy may result in cover being restricted or possibly invalid. Please contact Us if You have any questions with regard to Your policy. You are advised that the full terms and conditions of Our policies should be consulted prior to Your completing Your policy purchase and if You have any questions You should make sure these are answered to Your satisfaction. If You have not previously received a copy or read online the Insurance Booklet detailing the full policy Terms and Conditions before You take out Your insurance, You will be provided a copy with Your Insurance Schedule.
Under some sections of the insurance, claims will be subject to an excess. This means that You will be responsible for paying part of the claim, or a specified amount of time will be deducted from the claim settlement calculation. The amount You have to pay is the excess. Some policy types may however allow customers to purchase an excess waiver against specific sections of the policy.
Where You request a mid-term adjustment to the policy we will not charge you an additional fee. Any change in cover which results in an additional premium due, must be paid to Us in full at the time of the amendment in order for the policy change to be operative.
Policyholders will be provided with the renewal terms no less than 14 days before expiry of the policy or notified that the renewal is not being invited. Your insurance will automatically renew until either You or We cancel it using the payment details provided. If there has been an update to Your credit/debit card, We may automatically attempt to collect payment against the new card details provided by Your bank. No monies will be taken without prior notification to the policyholder.
If payment information stored relates to those of a third party and not of the policyholder, it is the responsibility of the policyholder to contact the third party to advise that a payment will be taken, or the policyholder to provide alternative payment information prior to renewal. If You do not wish to renew Your policy, You must:
For policies taken out online or where You have provided an email address, Your renewal terms will be sent to the email address provided. If We have no email address on record, the renewal notification will be sent via post.
However Your policy is renewed, You must remember to tell Us of any changes that may affect Your cover (for example criminal convictions, accidents, changes of equipment since your policy was last renewed) before the date on which Your policy is due to be renewed, otherwise Your cover may become invalid. It is Your responsibility to ensure your insurance remains valid and in force and that You have done nothing which may invalidate it.
Offers, discounts or promotions may be offered from time to time and apply to new business only unless otherwise stated. They cannot be used in conjunction with any other offer and are not applicable to previous policyholders.
Free insurance promotions are not available to previous and existing customers. Only one free insurance promotion per individual and per household is permitted. Any fees applied are non-refundable. No further payment will be taken without prior notification. We reserve the right to amend, remove or suspend any non-insurance benefits without prior notice. These benefits are subject to applicable Terms and Conditions.
You may choose to cancel your policy at any time.
If You are not happy with it and choose to cancel Your policy within the first 14 days of inception or within 14 days of the policy renewal date:
You may cancel your policy after the first 14 days from inception or renewal have passed:
If any gifts or promotional vouchers have been provided with Your policy, a refund will only be completed if these are returned with a signed letter of cancellation. If printable vouchers have been provided these must have not been redeemed. This does not affect Your statutory rights.
A Cooling Off Period does not apply to policies of less than one month’s duration.
All personal information about You will be treated as private and confidential (even when You are no longer a customer), except where the disclosure is made at Your request or with Your consent in relation to administering Your insurance including any related credit arrangement, or where We are required by law.
Your information will be held by Us (including all companies within the Ripe Group) in accordance with data protection legislation (including the General Data Protection Regulation from 25th May 2018), under which You have a right of access to see personal information about You that is held in Our records, whether electronically or manually. If You have any queries, please write to the Data Protection Administration at Our address (section “About Us”).
We shall collect personal information when You register with Us, contact Us or place an order for Our services. We also collect information when You voluntarily complete insurance forms, customer surveys, provide feedback and participate in competitions. Should You visit Our website We shall also collect website usage information using cookies.
We shall use Your personal information for: a) performing the services which You have requested; b) for delivering any prizes or discounts which You may be entitled to through promotions or competitions run by Us or Our partners; c) for any regulatory or legal purposes imposed on Us (for instance for reporting to the Financial Conduct Authority); d) for informing You about other services and products provided by Us or Our partners which may be of interest to You (where You have provided Your consent); and e) for any other legitimate interest of Ours such as for carrying out credit checks, preventing fraud, maintaining adequate records or for the recovery of unpaid debts.
You have the right at any time to stop Us from contacting You for marketing purposes or giving Your information to companies outside of the Ripe Group. If You no longer wish to be contacted for marketing purposes, please e-mail email@example.com.
Some or all of the information You supply to Us in connection with Your insurance proposal may be passed to third parties including: a) insurance and other companies for underwriting, claims and premium collection purposes; b) service providers (such as Our partners in order to redeem any promotional offers or for Us to run a promotion); c) credit reference agencies; d) other sub-contractors who may assist Us in providing the services requested from You; and e) to Our partners for marketing purposes (where You have provided Your consent).
We use Industry standard encryption technologies when transferring and receiving customer information exchanged with Our web site.
We may record telephone calls for training purposes and for Your and Our protection.
Your Insurance Booklet includes a claims procedure, which tells You what steps You should take if You wish to make a claim. You must notify the Claims Department of a claim or circumstance which may give rise to a claim as soon as possible.
It is essential that You notify the Claims Department promptly if You find out about something that may mean a claim is made against Your insurance policy. You must do this even if You do not believe You are responsible. If You do not tell Us straight away Your insurer might refuse to accept a claim. If You receive any communication making allegations which could mean a claim is made against Your insurance policy, You must pass it to Us immediately, without replying to the person who sent it.
You will be provided with every assistance in submitting a claim and seeking reimbursement.
We may require for any outstanding premiums to be paid before settlement of any claim.
The policy fees and charges are payable at the time of the transaction that it relates to. All fees are retained by Us and are not payable to the insurer.
Arrangement and administration
Dependent on cover selections and policy duration
|up to a maximum of £68|
|Amendments or changes to a policy||no charge|
|Cancellation during the first 14 days from inception or renewal||no charge|
|Cancellation after the first 14 days from inception or renewal||Nil|
|Cancellation after the first 14 days from inception or renewal||up to a maximum of £30
There will also be no return of premium where the refund due is less than £10 after deduction of any cancellation charge
You have a right to request information regarding any payment that we may have received by setting up and renewing each of your insurance policies.
The total charge payable contains a number of separate elements making up the charge. It includes our arrangement and administration fee. This covers our expenses, for example those incurred in agreeing terms with the insurer, setting up the policy, sending your policy documents, postage and packing charges of any free gifts, servicing your policy, call centre assistance, relationship management with our golf course partners, regulatory fees and levies, and also dealing with any mid-term adjustments that you may need to make to the policy throughout your policy term. This arrangement and administration fee may vary according to the policy period, policy type and any optional additions to your cover. The total charge also includes an insurance premium which is stated net of any introductory or promotional discounts and insurance premium tax (IPT).
In return for placing business with insurers and/or underwriters and/or other product providers, we receive a commission from them which is a percentage of the annual premium that you are charged. If the type of policy we sell reaches specific profit targets the insurer may also pay us an additional bonus
Occasionally we may also receive marketing support from insurers and/or underwriting although this is not always guaranteed.
You are entitled, at any time, to request information regarding any commission which we may have received as a result of placing your insurance business or arranging premium finance.
Please be assured that at no time will the way in which we are remunerated conflict with our responsibilities to meet your needs and treat you fairly.
If You have been introduced to Us by a third party, they may receive a remuneration from ourselves for that introduction.
We may do external data searches before calculating a premium or offering to sell or renew an insurance policy. This may include a credit check, which might appear on your credit history whether you proceed or not.
We, the insurer or claims handler shall be entitled (but not obliged) without notice to You, to set off any amounts due from You against any amounts which We, the insurer or claims handler may receive on Your behalf (such as claims monies, refunded premiums and other sums).
Prior to Your premium being forwarded to the insurer, and for Your protection, We will hold Your money as an agent of the insurer in which case Your policy is treated as being paid for. Where an insurer refunds all or part of a premium (for example when a policy is cancelled), the refund will be paid to Us and We will then pay it to You.
Premiums for Insurance are payable and due at the time of application. You may make payment by cheque, credit card (all major credit/debit cards except American Express are accepted), or Direct Debit. The insurance purchase will not be concluded until payment has been received unless otherwise agreed. If a payment is to be collected by Direct Debit and We have been notified by Your bank or building society of a failure to make payment to Us, the insurance will be cancelled, and You will be notified.
If You have a complaint, please address it to: Complaints Department, Ripe Insurance Services Limited, The Royals, Altrincham Road, Manchester M22 4BJ, telephone +44 (0)161 902 2666 or email: firstname.lastname@example.org.
It may be that You have access to the Financial Ombudsman Service if You are still not satisfied with Our response to Your complaint. For further information on Your eligibility please visit: www.financial-ombudsman.org.uk or contact Us. All referrals to the Financial Ombudsman must take place within 6 months of the date of Your last correspondence with Us in relation to the complaint. To refer a complaint to the Financial Ombudsman Service then either call +44 (0)300 123 9 123 or visit www.financial-ombudsman.org.uk/consumer/complaints.htm to download a complaints form.
We are covered by the Financial Services Compensation Scheme. If We are unable to meet Our financial obligations You may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim. For this type of insurance 90% of Your claim is covered, without any upper limit. The compensation scheme does not apply to consumer credit. Further information about compensation scheme arrangements is available at www.fscs.org.uk, and on +44 (0)20 7741 4100, or +44 (0)800 678 1100.
We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist financing activity and We are prohibited from disclosing any such report.
It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate and maintained. We cannot accept responsibility for their accuracy. It is strongly recommended that the appropriate Professional (e.g. Surveyor/Accountant) be consulted to ensure that the sums insured and limits under the policy are suitable.
As an insurance intermediary We generally act as Your agent in arranging Your insurance. We will always act honestly, fairly and professionally ensuring Your best interests are Our priority. In certain circumstances We may act for and owe duties of care to insurers and/or other parties. Where We become aware of any actual or potential conflict of interest, We will inform You of the situation, the options available to You and obtain Your consent before We proceed.
You or We may terminate authority to act in connection with your insurance arrangements at any time. Notice of termination must be given in writing and will be without prejudice to the completion of any transactions already commenced. Any business currently in progress will be completed unless We receive instructions to the contrary. Any monies outstanding will become payable immediately. In circumstances where We feel we cannot continue providing services to You, We will give you a minimum of 7 days’ notice.
These Terms of Business shall be governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.
These Terms of Business shall be governed by and construed in accordance with English Law and shall be subject to the exclusive jurisdiction of the courts of England and Wales.