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The information and Terms apply to customers purchasing Student Studyguard®only. We recommend that you carefully read this document. The Terms of Business are subject to English Law.

Whose products do we offer?
Student Studyguard® Insurance is an Insurance product arranged under a specialist scheme underwritten by Chubb European Group Ltd.

What Service will we provide you with?
Services on this Website are 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).

What will you pay for our services?
We do not charge you for arranging insurance using this website as we receive remuneration from the insurers which forms part of the policy premium.

You’re 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.

Who Regulates us?® is a trading style of Gibbs Denley Insurance Services Ltd, Crystal House, Buckingway Business Park, Swavesey, Cambridge CB24 4UL. Part of One Broker Group. Registered in England and Wales No 4688453. Registered Office: Lakeside 300, Old Chapel Way, Broadland Business Park, Norwich, Norfolk, NR7 0WG and is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number (FRN) is 304832. You can check this on the FCA register by visiting the FCA’s website or by telephoning 0300 500 8082 from the UK, or +44 207 066 1000 from abroad.

What if there is a conflict of interest?
Occasions can arise where we will have some form of interest in the business we are transacting for you. If this happens or we become aware that our interest or those of one of our other customers conflicts with your interest we will write to you with details of our interest and obtain your consent before we carry out your instructions.

What do you do if you have a complaint?
If you wish to register a complaint please contact the Directors at: Gibbs Denley Insurance Services, Crystal House, Buckingway Business Park, Swavesey, Cambridge CB24 4UL Or by telephone on 01954 233650.

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

Financial Ombudsman Service (FOS)
Exchange Tower, Harbour Exchange Square, London E14 9SR
Telephone 0800 0234567

We are a firm that sell products online and are required to inform you of the availability of the Online Dispute Resolution (ODR) platform to assist you if we are unable to resolve your complaint this facility will direct you to the Alternative Disputes Resolution (ADR) provider for the firm who in this case is the Financial Ombudsman Service (FOS) and you may therefore wish to contact them direct. More details are available on

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 cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% 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 scheme arrangements is available from the FCSC.

What if an insurer becomes insolvent?
We cannot guarantee the solvency of any insurer with which we place business. This means that you may still be liable for any premium due and not be able to recover the premium paid, whether in full or in part, should an insurer become insolvent.

What are our payment terms?
For insurance arranged on this website, payment is required in full before the Policy is issued. We may make an additional charge for payment by credit card, but this will be advised to you during the purchase process, before payment is completed. We are authorised and regulated by the Financial Conduct Authority in respect of our current Consumer Credit Licence. Any payment we receive from you will be held in a Statutory Trust Bank Account with Lloyds Bank PLC. In some cases the payment we receive will be held on behalf of the provider with whom we arrange your policy as their agent. This means that any payment you make to us will be regarded as having been paid to the provider. This is known as risk transfer.

What happens to interest earned on client money?
All insurance premiums you pay to us are protected in a Statutory Trust Client Account until we pay insurers. We retain interest earned on the Account and by accepting these Terms of Business you give your consent for us to retain such interest.

What Information should you disclose?
As a “Consumer”:-Under the Consumer Insurance (Disclosure and Representation) Act 2012 it is your duty as a consumer to take reasonable care not to make a misrepresentation to an insurer. Under the act a consumer is defined as an individual who enters into an insurance contract wholly or mainly for purposes unrelated to the individual’s trade, business or profession. A failure by the consumer to comply with the insurers request to confirm or amend particulars previously given is capable of being a misrepresentation for the purpose of this act. It is important that you ensure all statements you make on proposal forms, claim forms and other documents are full and accurate and we recommend that you keep a copy of all correspondence in relation to the arrangement of your insurance. Under the act an insurer has a remedy against a consumer in respect of qualifying misrepresentations in breach of the consumers’ duty of reasonable care where the insurer deems the misrepresentation to be deliberate, reckless or careless. If in doubt about any point in relation to your duty to take reasonable care and subsequent qualifying misrepresentations please contact us immediately.

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.

How and when should you notify claims?
Claims should be notified to the insurers, the details can be found on the insurance certificate. In addition a claim form can be obtained by downloading from our website or by contacting us:- Crystal House, Buckingway Business Park, Swavesey, Cambridge, CB24 4UL, Tel. 01954 233689.

All claims should be notified to us as soon as possible without delay in order that we may protect your interests under the policy. 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 us immediately 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.
  • We will forward any payments received from insurers, in respect of any claim, to you without delay.

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 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 1998, 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.

What other information about you may be used for insurance purposes?
To protect their customers from fraud and to verify your identity, the insurers and ourselves may use publicly available data which they obtain from a variety of sources, including a credit reference agency and other external organisations. Please be aware that current UK money laundering regulations require us to obtain adequate “Know Your Client” information about you. We are also required to cross check you against the HM Financial Sanctions List as part of the information gathering process. Further, we are obliged to report to the National Crime Agency any evidence or suspicion of financial crime at the first opportunity and we are prohibited from disclosing any such report.

What is our attitude to bribery?
We will not permit our employees or other persons engaged by them to be either influenced or influence others in respect of undue payments or privileges from or to insurers or clients.

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.

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
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.

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 (1998).

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 3rd October 2017

 is a trading style of Gibbs Denley Insurance Services Ltd,
Crystal House, Buckingway Business Park, Swavesey, Cambridge. UK. CB24 4UL.
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)1954 233698 Email:

Authorised and regulated by the
Financial Conduct Authority

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