The Financial Services Authority (FSA) is the independent watchdog that regulates financial services.   It requires us to give you this information.  Use this information to decide if services are right for you.

Whose products do we offer?
Student Studyguard & Feeguard
These products are are underwritten by ACE European Group Limited.

Authorised and regulated by the Financial Services Authority, registration number FRN202803

Schoolsguard & Homeguard

These products are underwritten by a range of insurers. A full list is available upon request.

Which Service will we provide you with?

Student Studyguard & Feeguard
For these products you will not receive advice or recommendation of us.  You must make your own choice as to whether the cover is suitable for you.

Schoolsguard & Homeguard
For these products we will advise and make a recommendation for you after we have assessed your needs.

What will you pay for our services?

Student Studyguard & Feeguard

We do not charge you for arranging insurance using this website as we receive renumeration from the insurers which forms part of the policy premium.
Schoolsguard & Homeguard

For these products we generally we receive renumeration from insurers in the form of commission which forms part of the policy premium.  We do not usually therefore charge for our services, including claims handling, other than the following administration fees:-

Personal Insurance

New Business & renewals up to £150     £10

New Business & renewals over £150      £15
Mid term adjustments and replacement certificates     £10

Commercial Insurance (policy premium above £2,500 )

New Business and renewals exclusive of Insurance Premium Tax:

Up to £250     £10

£250 to £1,000   £10 

£1,000 to £2,500    £10  

Over £2,5000    £10

Mid term adjustments and replacement certificates     £10

What are our payment terms?

For Student Studyguard & Feeguard insurance arranged via our website, payment is required in full before the certificate of insurance is issued.  We do not make any additional charge for payment by credit card.

For Schoolsguard & Homeguard.  Payment of premiums should be made within 14 days form the date of our invoice.  Payment can be made by cheque, cash or by credit or debit card (there is a charge of 1.5% for payment by credit card).  You may be able to spread your payments through the Insurers' instalment schemes or a credit scheme, which we have arranged via a third part finance provider.  We will give you full information about your payment options and details of interest payable when we discuss your insurance in detail with you.

We are licenced under the Consumer Credit Act and our Licence Number is 456721.

Who Regulates us?

Gibbs Denley Insurance Services, Crystal House, Buckingway Business Park, Swavesey, Cambridge CB4 5UL is authorised and regulated by the Financial Services Authority.

Our permitted business is arranging general insurance contracts.  You can check this on the Financial Services Authority website,  www.fsa.gov.uk/register or by phoning the FSA on 0845 606 1234.

What to do if you have a complaint?

If you wish to register a complaint please contact the Partners at:-
Gibbs Denley

Crystal House

Buckingway Business Park

Swavesey

Cambridge CB4 5UL

Or by telephone on 01954 233650

If you cannot settle your complaint with us you may be entitled to refer it the following:-

Personal Lines customers:

Financial Ombudsman Service (FOS)
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Commercial Customers:

If Group turnover is less than £1m, contact the Financial Obudsman Service, as above.  If Group turnover is greater than £1m and the complaint remains unresolved you can seek legal advice.

Are we covered by the Financial Services Compensation Scheme?
We are covered by the Financial Services Compensation Scheme (FSCS).  You may be entitled to compensation from the scheme if we can not meet our obligations.  This depends on the type of business and circumstances of the claim.

Insurance advising and arranging is covered for 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance 100% of the claim is covered without any upper limit. Further information about compensation arrangements is available for the FCSC.

Website Terms and Conditions of use

This web site (the "Web Site") belongs to and is provided by Gibbs Denley Insurance Services. Please read the terms and conditions below (which we may update at any time) and then come in and take a look around. By using the Web Site you agree to the terms and conditions set out.

Please note when purchasing products from our website you must ALWAYS review the full policy wording, before you purchase cover from us. Once you have purchased cover, you will be provided with a full copy of the policy document and Key Facts Summary. To view the full policy wording click on the links below.

We draw your attention to key aspects all our insurance policies.

Your right to cancel Student Studyguard or Feeguard policy

If you are not satisfied with a Policy we will cancel it and refund any premiums you have paid. We will do this, providing you ask us to cancel a Policy within 14 days of purchase, without using the cover / making a claim - and agree that the cancellation will mean that no cover under the Policy ever existed.

Updates or changes to our Terms & Conditions

All of our Terms and Conditions are routinely reviewed and updated to ensure that they reflect the latest situation with regard to technology and data protection. In many cases, updates will reflect changes to improve the way your privacy and security are protected.
 
Comments on our Service

We welcome comments on any aspect of our website or policy or service - you can provide your feedback using your preferred communication method.
By email   info@course-u-can.com

By writing to:- Insurance Services for Education
Gibbs Denley
Crystal House
Buckingway Business Park
Swavesey
Cambridge CB24 5UL

Restriction on use

You must use this Web Site only to obtain information about or purchase products or services offered by us.

Trade marks, copyright and intellectual property

The copyright, database or other similar rights on this Web Site and its information and content, belong to Gibbs Denley Insurance Services. You may make hard copies of the information for your own personal or internal business use only, but you must not remove any trademark, copyright and other proprietary notices from any material you download. Otherwise, you may not reproduce, distribute or transmit to any other person, or incorporate in any way into any document or other material, the information and content of the Web Site without our prior written approval.

Except where provided or directed on the Web Site, you must not modify or reproduce or publicly display any material, or transfer it to anyone else unless they agree to accept and act in accordance with these terms and conditions

Accuracy of the website

We do not guarantee the accuracy, completeness or correctness of any information on the site. You agree that use of the site and its contents is entirely at your risk and

1. to the extent permitted by law, all warranties or conditions that would, but for the terms of this disclaimer, be implied by statute or otherwise, are excluded

2. we will not be liable, under the terms of this d disclaimer or otherwise, for any loss of profit, loss of revenue, loss of contract or any other indirect or consequential loss you may suffer as a result of the use of any of the information contained in the website.

Changes to the website

We may correct any errors or omissions or change the format or content of the site at any time and may terminate or suspend the operation of the site for any reason, without notice or liability.

Routine maintenance, demand on systems and other circumstances may mean that this Web Site and the services provided on it may not always be available.

Products/services made available

The content and information provided by Gibbs Denley Insurance Services & ACE European Group Ltd on this Web Site is not intended to be advice of any kind. A product or service shown on this Web Site may not necessarily be suitable for you - this is for you to decide (and if in doubt, you may wish to seek appropriate independent advice).

Before purchasing a policy you confirm that

1. all answers given in your application are true and correct.

2. you have read and understood the relevant policy terms and conditions and are satisfied the product meets your needs.

The information and statements you give, together with the policy terms and conditions, form the basis of the contract. If you do not provide true, correct and full information you may invalidate your insurance policy. All statements made by you or information you provide prior to purchase are your responsibility. ACE European Group Ltd is not bound to offer you insurance.

We make every reasonable effort to provide accurate and up-to-date information about the products and services we provide. However, the information is subject to change without notice and you should always check the current terms and conditions of specific products and services.

Third party sites

We may provide (hypertext) links to web sites operated by other people or organisations. If you leave this Web Site to visit any linked site you do so at your own risk and agree that we are not responsible or liable for the material contained in such web sites or any loss or damage you may incur through your use of the links.

We have no control over the information and content of the web sites of others and has not attempted to verify the accuracy of any information they contain. The incorporation of information about other people's products or services and links to other web sites does not mean that we are giving advice about these products or services, or is in any way endorsing or recommending them.

Freedom from viruses/software quality

We do not give any warranty that the Web Site and content are free from viruses or anything else with contaminating or destructive properties.

Data protection

Personal details provided to us through the Web Site will only be used in accordance with our privacy policy. Please read this carefully. By providing personal details you are consenting to their use in accordance with our privacy policy.

Gibbs Denley is registered on the Data Protection Register and complies with the terms and conditions of the Data Protection Act (1984).

Jurisdiction/governing law

These terms and conditions are governed by and interpreted in accordance with the Law of England and Wales. You agree that only the English Courts will have jurisdiction in any dispute arising from the use of the Web Site. If any provision in these terms and conditions is found to be unlawful, void or unenforceable for any other reason, that provision will be considered severable from the remaining provisions and will not affect their validity and enforceability.

Illegal activity

If you access or use any information on this Web Site and by doing so, you break any law, we will not be responsible.

Changes to terms and conditions

These terms and conditions are subject to change without notice and at any time. Whilst visiting the Web Site you agree to be bound by the current terms and conditions and you should always check them each time you revisit the site.

Your Statutory Rights are unaffected by our Terms & Conditions.

Terms & Conditions 04-02-2010 version2 Last update 1st march 2010