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Important Information About Our Services

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 StudyguardTM & Feeguard
These products are are underwritten by ACE European Group Limited.
Authorised and regulated by the Financial Services Authority, registration number FRN202803

What Service will we provide you with?
The content and information provided by Gibbs Denley Insurance Services & ACE European Group Ltd on this Web Site is not intended to be advice or recommendation 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.

If you are in any doubt as to whether any information is material, you should disclose it. e. g if you are currently unwell or know of any reason that could give rise to a claim under the policy.

You are advised to keep copies of any correspondence you send to us or direct to your insurer.

What will you pay for our services?
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.

Who Regulates us?
Gibbs Denley Insurance Services t/a www.course-u-can.comTM 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, 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
First Floor, 8200 Cambridge Research Park
Beach Drive
Cambridge CB25 9TL
Or by telephone on 01954 233650
If you cannot settle your complaint with us you may be entitled to refer it the following:-
Financial Ombudsman Service (FOS)
South Quay Plaza
183 Marsh Wall
E14 9SR
Telephone: 0845 0801800      Fax: 020 7964 1001
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 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
Further information about compensation arrangements is available for the FSC.

What are our payment terms?
For  insurance arranged on this website, payment is required in full before the Policy is issued.  We do not make any additional charge for payment by credit card.

What Information should you disclose?
It is your responsibility to provide complete and accurate information when you take out your insurance policy. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance being invalid or not operating fully. It is important to ensure that statements you agree too and details you enter on claim forms are full and accurate. If a form is completed on your behalf it should be noted that all answers remain your responsibility and you should check to ensure that all answers to any questions are true and accurate and have been answered in full.  If you are in any doubt as to whether any information is material, you should disclose it.

You are advised to keep copies of any correspondence you send to us or direct to your insurer.

Do you need to be aware of policy terms?
We must remind you that it remains your duty as policyholder to read the policy document carefully to ensure that the cover provided is suitable for your requirements. Whilst we may have provided you with a summary of the cover provided, for ease of understanding, it is the insurer's policy and certificates, which form the basis of the cover, you have purchased and against which claims will be met. Therefore if you have any doubt with regard to any of the policy terms or conditions please seek our advice urgently.

What happens to interest earned on client money?
We retain interest on client money held in our client account and by accepting these Terms of Business you give your consent for us to retain such interest.

How and when should you notify claims?
Claims should be notified to the Insurers:-
Ace European Group Ltd. The insurers will require a claim form to be completed.  The claim form can be downloaded form the website.
All claims should be notified to the insurers as soon as possible without delay. In addition, you should also immediately report any incidents, which could give rise to a liability claim being made against you. Any letter, notice of claim to be made against you, writ or summons should be sent to the Insurers unanswered.

You should not admit liability or agree to any course of action, other than emergency measures to minimise your loss, until you have agreement from your insurer.

Is your personal information confidential?
All personal information is treated as private and confidential and will only be used for the purposes of arranging and administering your insurance cover or in connection with products and services which we feel may be appropriate for you.  We may disclose you name, certificate number and premium to your agent or banner advertiser, we will not otherwise disclose any information to any third parties without your consent unless required by law or public interest.

Under the Data Protection Act 1988, private customers have a right to see the personal information about them that we hold in our records. If you wish to exercise this right, or have any other related queries, you should write to us at the above address.

Website Terms and Conditions of use
This web site (the "Web Site") belongs to and is provided by Gibbs Denley Insurance Services. 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 policy schedule and a link to view the full policy document.

Your right to cancel
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
These terms and conditions are subject to change without notice and at any time. You should always check them each time you visit the site.

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 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.

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.

Last updated 13 May 2011


 is a trading style of Gibbs Denley Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority,
First Floor, 8200 Cambridge Research Park, Beach Drive, Cambridge CB25 9TL. UK.
Registered in England and Wales No 4688453. Registered Office: Lakeside 300, Old Chapel Way, Broadland Business Park, Norwich, Norfolk, NR7 0WG Part of One Broker Group
Tel: +44 (0)1223 792552 Email:



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