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Terms & Conditions

Terms of Business of RSA Northern Ireland Insurance Limited.

Our Status

RSA Northern Ireland Limited is a wholly owned subsidiary of RSA Group.

RSA Northern Ireland Insurance Limited is authorised and regulated by the Financial Conduct Authority (309296) the registered office is Law Society House, 90-106 Victoria Street, Belfast, BT1 3GN, Northern Ireland and is registered in Northern Ireland under company number NI 39814.

RSA Insurance Ireland DAC is a Non-Life Insurance Undertaking authorised by the Central Bank of Ireland under the European Communities (Non-Life Insurance) Regulations 1994 to carry on Non-Life Insurance Business.

RSA Insurance Ireland DAC is regulated by the Central Bank of Ireland. RSA is subject to the Central Bank’s Codes of Conduct which offer protection to consumers. These are the Consumer Protection Code and the Minimum Competency Code. These codes can be found on the Central Bank’s website www.centralbank.ie.

RSA Insurance Ireland DAC is part of RSA Insurance Group plc.

Our Services

RSA provide insurance contracts, underwriting and risk management services for all the primary classes of non-life insurance

Period of Insurance/Cancellation

Unless instructions to cancel are received the period of insurance in respect of any policy held with RSA will be the period specified by RSA in the Policy Schedule / Renewal notice.

Charges/Default

Customers entering into a contract of insurance with RSA will be charged an annual premium based on assessment and rating of the insurance risk and exposure. Please note that non-life insurance premiums are subject to a Government levy.

In some circumstances RSA may offer the facility of paying the annual insurance premium by instalment. Where this facility is available, a charge for payment by instalment may apply up to a maximum of 8% of the premium due.

Please note that the charge for payment by instalment is subject to change.

In the event of default by the customer (premium payment or non-disclosure of facts) RSA reserves the right, with notice to the customer, to withdraw insurance and cancel the policy immediately.

Conflict of Interest

It is our policy to avoid any conflict of interest when providing business services to our clients. If an unavoidable conflict arises we will advise you of this in writing before providing any business service. The RSA Conflicts of Interests Policy recognises the importance of identifying any potential conflicts of interest at the earliest stage. RSA promotes this Policy and monitors our business activities to ensure adherence to the Policy.

In the event that you have a complaint in connection with a perceived conflict of interest, you may avail of the Customer Complaints Procedure set out below.von statement, ‘we’ ‘us’ and ‘our’ refers to the Group unless otherwise stated.

How your information will be used and who we share it with

Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.

If you contact us electronically, we may collect your electronic information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider.

We may use and share your information with other members of the Group to help us and them:

· Assess financial and insurance risks;

· Recover debt;

· Prevent and detect crime;

· Develop our services, systems and relationships with you;

· Understand our customers’ requirements;

· Develop and test products and services.

We do not disclose your information to anyone outside the Group except:

· Where we have your permission; or

· Where we are required or permitted to do so by law; or

· To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or

· Where we may transfer rights and obligations under this agreement.

We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.

From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.

We will not keep your information for longer than is necessary.

Sensitive Information

Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions).We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement.

Fraud prevention agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

· Checking details on applications for credit and credit related or other facilities;

· Recovering debt;

· Checking details on proposals and claims for all types of insurance;

· Checking details of job applicants and employees.

Please contact the Data Protection Liaison Officer at the address below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Claims History

Insurers pass information to the Claims and Underwriting Exchange Register (CUE) run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI).

Under the conditions of your policy, you must tell us about any incident (such as an accident, fire, theft or malicious damage) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers.

Financial or Trade Sanctions

RSA Northern Ireland Insurance Limited is unable to provide insurance in circumstances where to do so would be in breach of any financial or trade sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency.

How to contact us

On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, RSA Northern Ireland Ltd, Law Society House, 90-106 Victoria Street, Belfast BT1 3GN.

Motor Insurance Database

Information relating to motor insurance policies will be added to the Motor Insurance Database (MID) managed by the Motor Insurers’ Bureau (MIB). MID and the data stored on it may be used by Insurers, the Police, DVLA/DVANI, the Insurance Fraud Bureau or other bodies permitted by law for purposes including, but not limited to:

· Electronic Vehicle Licensing;

· Continuous Insurance Enforcement;

· Law enforcement (prevention, detection, apprehension and or prosecution of offenders);

· Obtaining information if you are involved in a road traffic accident (either in the UK, the EEA or certain other countries).

Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.

It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized. You can check that your correct registration number details are shown on the MID at www.askmid.com

WEBSITE TERMS OF USE/COOKIES STATEMENT

Please read these Conditions of Use carefully. By accessing this web site you agree to be bound by these Conditions of Use. If you do not agree do not access this site. In particular, please note that unauthorised use or downloading of material from the website is absolutely prohibited.

Content

RSA Northern Ireland Insurance Limited ("RSA") is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, RSA makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of RSA howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

This web site is operated and maintained in Northern Ireland. RSA is not publishing the web site for use in any jurisdiction where such publication or use is unlawful.

Cookies

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Some cookies are only placed on your machine for the duration of time you are browsing the site whereas others may be stored on your device and sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

You can find more information about cookies, at www.allaboutcookies.org and www.youronlinechoices.eu.

Accepting or rejecting cookies

Most web browsers will accept cookies, but if you would prefer we did not collect data by this method, you can disable this function within your browser settings. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies.

We use cookies to:

· Collect information that will help us to distinguish visitors, to understand visitors’ browsing habits on our website and to improve their experience.

· Compile statistical reports on website activity e.g. numbers of visitors and the pages they visit.

· Collect information that will allow us to tailor advertising to make it more relevant for you, based on your previous interactions with our website.

· Remember information about you when you visit our site. Some of the cookies are essential in order to provide our services to you.

Categories of Cookies

Below, we have set out the four categories of cookies that we use on our websites. These cookies are:

· Strictly necessary cookies

· Performance cookies

· Functionality cookies

· Targeting cookies

Some of our websites also include third party cookies, which are cookies not set by RSA. In each of the four categories above, we have specified where third party cookies are used.

The following types of cookies may be used during your visit to our website:

Performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the website, all of which enables us to see how visitors use the website in order to improve the way that our website works. These cookies do not collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how our website works.

Advice

The pages if the site are for information only and do not constitute financial or other professional advice in any way. We recommend that you seek advice from a financial consultant before making any financial or investment decisions. More details and full terms and conditions on all our products are available on request.

Data Protection

If you choose to complete one of our on line forms (where available), the details you provide will be held on computer by RSA and possibly and may be used to answer your query and to contact you about various RSA services which may be of interest to you. The information you provide may also be used while monitoring the progress of your enquiry within RSA and to register any subsequent sale of any or our products about which you have enquired. We also use such information to update our website for you and keep you informed of other product information and site developments if you have indicated any such preference.

Our purposes for holding personal information and description of the general categories of parties to whom we may disclose it can be found in the Data Protection Register. You should note that we do not supply any information about you to anyone else unless we believe it is lawful to do so, or where you have given your consent in advance.

You have the right under the Data Protection Act to request a copy of the personal data, which we hold with reference to you on our computer systems. A fee of £10 is chargeable under the terms of the Data Protection Act.

Access to the site

We will use reasonable efforts to make our site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

No damage arising from use

To the fullest extent permitted by law neither RSA nor any of its directors, employees or agents will be liable for damages arising out of or in connection the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of RSA, its directors, employees or agents.

Alterations

RSA reserves the right at any time without notice to revise the contents of this site including these Conditions. Any changes to these Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions.

Links to other sites

Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of RSA. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links. RSA accepts no responsibility for information contained in any of the sites which can be accessed by hypertext link from these pages or for these sites not being available at all times.

Other links in this site will lead you to web sites or pages that are under the control of RSA group companies around the world. You should be aware that these web sites are maintained and operated locally and the contents and use of such web sites may be governed by the laws and regulation of other countries conditions of use and/or privacy policy. If you wish to know more about the conditions of use or privacy policies of these web sites please contact the relevant group company.

Copyright

All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of RSA or other third parties. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of RSA is strictly prohibited.

Trade Marks

The RSA, rsagroup and rsagroup.com, rsagroup.ie, rsagroupni.com trade marks, logos and get-up are owned by RSA Northern Ireland Insurance Limited or by other companies within the RSA group. All other trade marks, product names and company names or logos cited herein are the property of RSA or their respective owners. No permission is given by RSA in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

Privacy policy

You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.

Force majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

Applicable Law

These conditions shall be governed and construed in accordance with law which applies to the part of the United Kingdom in which you are based and any disputes shall fall within the exclusive jurisdiction of the above said courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.