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Terms and Conditions & Site Disclaimer
The Minibus & Coach Club Limited t/a Gap Insurance Online
is authorised and regulated in the UK by the Financial Services
Authority (“FSA”). Our FSA firm reference number is
309283.
The Minibus and Coach Club (MCC) is part of QBE European Operations,
a division of QBE Insurance Group. QBE Insurance (Europe) Limited
is part of QBE European Operations, a division of QBE Insurance
Group. QBE Insurance (Europe) Limited is authorised and regulated
by the Financial Services Authority. Registered Office address:
Plantation Place, 2nd Floor, 30 Fenchurch Street, London EC3M 3BD.
Registered in England and Wales No.1064228
You can contact us at the address, or via the other methods, set
out below:
Address: Mill Court, Mill Street, Stafford, ST16
2AX
Telephone: 0845 609 0330
Fax: 08702 406591
E-mail: enquiries@gap-insurance-online.com
General
This website is provided and owned by The Minibus & Coach Club
Limited
Terms and Conditions
These are the Terms and Conditions which apply to your use of this
website, www.gap-insurance-online.com (the “Website”).
Please read them carefully. By using this Website you hereby agree
to the Terms and conditions in force at the time of use.
Definitions
On the pages of this Website, excluding the alternative definitions
included within the Policy Wording, “MCC” “our”
and “we” means The Minibus & Coach Club Limited
(trading as Gap Insurance Online) and relevant members of the QBE
group of companies. “You” and “your” means
the users of this Website.
Amendments
We reserve the right to amend this Website (whether by adding, deleting
or modyifying information on the Website or otherwise) and these
Terms and Conditions at any time. Any amendment shall be effective
from the date it is made available on the Website.
Trademarks, Intellectual Property
and Ownership
All copyright design and other intellectual property rights that
exist in the whole and every part of this Website belong to MCC
unless otherwise indicated, and may not be used, sold, licensed,
copied or reproduced in whole or in part in any manner or form or
in or on any media to any person without the prior written consent
of MCC. QBE names and logos are trademarks of QBE Insurance Group.
Unless otherwise agreed with QBE in writing, nothing on this Website
shall be deemed to confer on you any licence or other right to use
the same.
You acknowledge that damages would not be an adequate remedy for
any breach of the aforementioned terms by you and you therefore
agree that MCC shall be entitled to the remedies of injunction,
specific performance and other equitable relief for a threatened
or actual breach of the same without proof of special damage.
Your Personal Information
You agree that any personal information you provide under this Website
shall be handled by us in accordance with our Privacy Policy (set
out below) which forms part of these Terms and Conditions.
General Disclaimer
The information, including any financial information, contained
on this Website is provided for information only, and does not constitute
an offer to sell (or the solicitation of an offer to purchase) any
products or services. Any request by you to purchase a product or
service represents an offer by you and may be accepted or rejected
by MCC at our discretion and will be subject to the terms and conditions
of that product or service (which should be read in conjunction
with these Terms and Conditions). In the event of any conflict between
these Terms and Conditions and the terms and conditions of any product
or service that you apply for, the terms and conditions of that
product or service shall prevail.
The following paragraphs in this General Disclaimer limit our liability
to you and should be read carefully.
Notwithstanding anything else in these Terms and Conditions, nothing
in the Terms and Conditions shall exclude or restrict liability
that is not permitted to be excluded or restricted at law (for example
death, personal injury or fraud).
While the information contained on the Website has been compiled
in good faith, no representations, warranties or undertakings (express
or implied) are made as to its, or the information contained within
the Website’s, completeness or accuracy and the information
on this Website does not necessarily represent complete descriptions
of all terms, conditions and exclusions relevant to the securities,
products and services detailed or referred to within this Website.
Full details of any cover will be included in the policy documents
that are made available to you. The reports contained on the Website
are only current as of the respective date contained in the particular
report. MCC makes no commitment, and disclaims any duty (whether
in tort or contract), to update or correct or to provide notice
as to any error or omission in any report or other information contained
on the Website.
This Website contains hypertext links to other websites. The responsibility
for those websites is that of the parties who are identified as
providing those sites and MCC can accept no responsibility for them
or their use. MCC accepts no responsibility and shall not be liable
to you for the content of any other website to which a hypertext
link to or from this Website exists.
MCC gives no warranties representations or undertakings (express
or implied) that this Website is free of viruses or technical defects
of any description or that you will have uninterrupted access to
the Website or any part of it and will not be responsible for or
otherwise liable to you for any technical problems arising from
the use of this Website.
All information and content on the site are subject to applicable
statutes and regulations, and are furnished 'as is', without representations
or warranties of any kind, express or implied, including but not
limited to implied warranties of merchantability, fitness for a
particular purpose, or non-infringement. MCC shall not be liable
(whether in negligence or otherwise) to any person for any error,
omission or incompleteness in the information, or reliance on the
information, on the Website, nor shall MCC be under any obligation
to advise any person of any error therein. In no event shall MCC
be liable to you for any loss or damages whatsoever (direct or indirect
and including, without limitation, damages for loss of profits,
business interruption, or loss of information) arising out of the
use of or inability to access or use the Website or the information
thereon, even if MCC has been advised of the possibility of such
damages.
Please note that there is no guarantee that any e-mail sent to MCC
will be received by MCC, or that the contents of the email will
remain confidential during internet transmission.
Severability
Should any provision of these Terms and Conditions be or become
illegal or void for any reason, the validity of the remaining provisions
shall not be affected and shall continue in full force and effect.
No Waiver
If we do not take action against you for any breach by you of any
of the Terms and Conditions, this shall not prevent us taking any
subsequent action and shall not be deemed a waiver of any subsequent
breach.
Governing Law and Jurisdiction
These Terms and Conditions shall be governed by English law and
the courts of England shall have exclusive jurisdiction over any
dispute arising in connection with the same.
Privacy Policy
MCC takes your privacy seriously. We are committed to safeguarding
the privacy of users of this Website while providing a personalised
and valuable service. This Privacy Policy statement explains our data
processing practices in connection with your use of the Website. If
you have any requests concerning your personal information or any
queries with regard to data protection practices please write to us
at the address detailed above.
Personal information
Some information is collected automatically when you visit the site
because your IP address needs to be recognised by the server. We
may use this information to monitor and analyse how parts of our
Website are used. Individual users are not identified and we do
not use "cookies” for research.
International Transfers of Personal
Information
As the internet is worldwide if you are visiting this site from
outside the UK your visit will necessarily result in the transfer
of information across international borders. By visiting this Website
and communicating electronically with us you are consenting to these
transfers agree to our processing of personal data in this way.
Please note: this is a UK-based website and it adheres to UK legislation
and regulations.
Data Protection and Privacy Statement
All personal information you supply to MCC will be treated in accordance
with the Data Protection Act 1998 as amended from time to time (“DPA”).
Generic Privacy Statement
As of: July 2007
MCC agrees to comply with the DPA . Data will be processed in accordance
with these Terms and Conditions.
Information Collected
Personal information is collected by MCC. We collect personal information
from you through the use of enquiry and registration forms, applications
made via the Website and every time you email us your details.
We also collect information automatically about your visit to the
Website. The information obtained in this way is only disseminated
in an aggregate form and will not be used for individual analysis.
Please see the ‘Use of Cookies’ section below for further
information.
Use and disclosure of personal information
We process personal information collected via the Website for the
purposes of:
providing you with a quote and administering your policy;
providing a personalised service;
conducting market research surveys; and
providing you with information about products and services we offer.
We also exchange information with the Police and/or other insurers
and other organisations through various databases. The aim is to
help us check information provided and also to prevent fraudulent
claims. Under the conditions of your policy, you must tell us about
any incident (such as an accident or theft) which may or may not
give rise to a claim. We will pass information relating to this
incident to the Police and/or other insurers and other organisations
as required. Your information may also be disclosed to agents and
service providers appointed by us (such as claims handling agents,
approved engineers, and investigative agents). Your information
may be transferred to any country including countries outside the
European Economic Area for the purposes of administration. Your
information may be shared with other members of QBE Insurance Group.
Third Parties
We may also disclose your information to business partners and third
party suppliers we engage to provide services, which involve processing
data on our behalf and as otherwise required by law or regulation.
In this regard, we may disclose your information outside the EEA.
What information is disclosed to
third party supplier?
Only data which we require to complete the insurance transaction
or associated products or services will be disclosed to third party
suppliers. We do not distribute your individual details to any other
third party for the purposes of marketing without your consent.
Monitoring of telephone calls and
e-mails
We may record, for training purposes and to assist in the prevention
of fraud, any telephone calls and e-mail correspondence you enter
into with us as a result of using this website. By using such communication
methods you hereby consent to such activities taking place.
Use of Cookies
A cookie is a small piece of information sent by a web server to
a web browser, which enables the server to collect information back
from the browser. Find out more about the use of cookies on http://www.allaboutcookies.org
This Website currently uses cookies for the purpose of monitoring
web activity for visitor numbers and not individual tracking and
enhancing your online experience. If you do not want to receive
these cookies please select your browser type from the list below
and follow the online instructions.
To stop cookies being installed on
your PC:
Netscape Navigator 3.0
http://www.allaboutcookies.org/manage-cookies/netscape-navigator3.html
Internet Explorer 3.0
http://www.allaboutcookies.org/manage-cookies/internet-explorer3.html
Netscape 4 +
http://www.allaboutcookies.org/manage-cookies/netscape4.html
Internet Explorer 4
http://www.allaboutcookies.org/manage-cookies/internet-explorer4.html
Internet 5 +
http://www.allaboutcookies.org/manage-cookies/internet-explorer5-plus.html
Netscape 6 +
http://www.allaboutcookies.org/manage-cookies/netscape-6-plus.html
Email:
MCC (the sender) will not distribute unsolicited direct marketing
via all forms of electronic communications including unsolicited
commercial email (UCE or Spam) and SMS to mobile telephones; UCE
and SMS will be subject to a prior consent requirement (opt-in),
so the receiver is required to agree to it in advance, except in
the context of an existing customer relationship where we have permission,
where we may continue to email or SMS to market our own similar
products on an 'opt-out' basis adhering to the following conditions:
The identity of the sender has been disguised or concealed; or
A valid address to which the recipient can send an opt-out request
has not been provided.
Accountability Mechanisms
Our privacy policies are regularly assessed internal to the organisation
in order to assure that they are in accordance with the latest EC
directives.
Last update: July 2007
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