Terms of Use

About the information on our site

Please read the following terms and conditions with care

By accessing and using our website, you agree to be bound by the terms and conditions of use of Assurant General Insurance Limited registered in England with number 02341082  with website at assurant.co.uk with registered address Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN.  Assurant General Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (“Assurant”). Represented by Assurant Direct Limited trading as Protect Your Bubble registered in England with number 05399683 with registered address Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN.  Assurant Direct Limited are authorised and regulated by the Financial Conduct Authority.   

We provide our contact details in the section "Contact" of this Terms and Conditions.

Any insurance and other product and service offerings linked to the Site, (the “Additional Products”) are governed by additional terms (“Additional Terms”) which the User may be subject to. 

By using this Site you hereby agree to these conditions of use in force at that time.

These terms and conditions may be revised at any time by updating these conditions. You are bound by any revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound. If the User does not agree to all of these terms and conditions, he or she should immediately discontinue use of the Site and make no use of the information, material and content from this Site.

Availability of site

Whilst we have taken care in the preparation of the Site, and we use reasonable efforts to include accurate and current information on the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

Additional Terms

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions of the Additional Terms and the precise cover provided (as applicable) shall be included in the schedule of cover, policy contractual documents and/or conditions of purchase issued to you for the Additional Products.

These Terms should be read in conjunction with the Additional Terms, in the event of any contradiction between these conditions of use and the specific product of service terms and conditions, the latter shall prevail. 

Disclaimer

While we use all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, and we do our best to correct errors and omissions as soon as we can, no representations or warranties are made (express or implied) as to the reliability, accurate or completeness of such information. To the maximum extent permitted by law, Assurant accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any direct, indirect or consequential, arising from the use of the Site or any information contained therein. Users should be aware that they use the Site and its Content at their own risk.

Content and information provided by third parties is clearly identified where it appears. We publish this content as supplied to us and are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Access to and use of this website is at the user’s own risk and we do not warrant that the use of the Site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of the Site website by unauthorised third parties.

Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 , or any other applicable legislation or conduct of business rules with which we are bound to comply.

Please note that this disclaimer does not affect your statutory rights in respect of any Additional Products.  Different limitations and exclusions of liability will apply to liability arising as a result of the supply of the Additional Products, which will be set out in the Additional Terms.

Intellectual property

The Site is owned, controlled or licensed by Assurant or its subsidiaries or affiliates. Images, logos, names and trademarks on the Site are proprietary marks of Assurant or its subsidiaries or affiliates or the images are used by either Assurant  with permission of the copyright owner. Note that Assurant is not the owner of copyright in any site linked to our Site and you should seek permission from the other site owners before copying any materials from them.

The Site is intended for non-commercial personal use only. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled, in accordance with applicable English laws, to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder.

Restrictions of use of the Site

The Site is directed at those who can access the Site from the UK and is intended for UK residents only.

In accessing and using the Site, the User agrees that it will not:

  • Use the Site in any manner which could damage, overburden or interfere with the use of or security of the Site or other Users’ devices, or damage, disrupt or limit the functioning of any software, hardware, or telecommunications equipment.
  • Attempt to gain unauthorized access to the Site, any related website, or other accounts, computer systems, or networks connected to the Site, through hacking, password mining, or any other means.
  • Obtain, decipher or attempt to obtain any materials, transmissions or information through any means not intentionally made available through this the Site, including by collecting information about others such as email addresses.
  • Misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful;
  • Allow, attempt to obtain, assist, or to otherwise make available to, third parties access to the Site other than as permitted in these Terms;
  • License, transfer, assign or otherwise commercially exploit the Site to third parties other than as permitted in these Terms;
  • Create, using any information made available by or on the Site or Content, any product, software or service where its expression or functionality is similar to that or competes with the Site or Content;
  • Transmit any material that is defamatory, offensive or otherwise objectionable in relation to its use of the Site;
  • Upload or store any material that is, or appears to be, unlawful, illegal or in any way defamatory or harmful, or which infringes another person’s right to privacy, confidentiality or third-party copyright, trademarks, or any other third party intellectual property rights

Other use of the Site or its content in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms, or act fraudulently or maliciously in the use of the Site or its content.  If you breach these restrictions, we reserve the right to withdraw and/or disable your access to the Site

External links

We may provide links to other websites that are not under our control and which we do not maintain. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Please consult the conditions of use and privacy policies on those websites for further details on use of those websites.

Use of personal information

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our privacy policy.

The data controller of your data is Assurant General Insurance Limited. The purpose of the processing is to provide you with the products and services that you requested.

Assurant General Insurance Limited takes the protection of your privacy and personal data very seriously. Therefore, your personal information is kept secure and treated with the utmost care.

All of that in accordance with the applicable data protection regulations, in particular Regulation (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (General Data Protection Regulation).

You may exercise all your rights recognised on data protection matters in accordance with our data protection and privacy notice. The full information regarding our data protection and privacy notice and the recipients of your data can be found on https://uk.protectyourbubble.com/privacy-policy 

When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested. We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.

In addition to any personal data supplied by you, we may collect the following information:

(a) Site visits. We collect information on the pages you access. This is then used to help up develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual.

(b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enable us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.

Third party websites are not covered by our privacy policies.

Site access and password usage

The Site is directed at those who can access the Site from the UK and is intended for use by residents of the UK only.

To obtain access to certain online services you are given the opportunity to register with us. Where a User registers for an account to use the Site, the User must complete the registration process by providing complete and accurate information as requested by such process. The User must keep its registration data complete, accurate and up-to-date, and any loss caused by the Users failure to do so is the Users responsibility.

You are also responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Changes to these conditions of use

These Terms and Conditions may be revised at any time by updating these conditions. You are bound by any revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.

The last update was made on 18th June 2021.

Monitoring of telephone calls and emails

Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods, you are consenting to such activities taking place.

Waiver

If you breach these terms of use and we do not take immediate action against you, we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Law and Jurisdiction

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of England and Wales. 

To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.

Emails

Please note that there is no guarantee that any e-mail sent to this site will be received by us or that the message will remain confidential whilst being transmitted.

Contact

To contact us, you may send an email to customerservices@protectyourbubble.com or a letter to: Protect Your Bubble, PO Box 99, Blyth, NE24 9DN

General

(a) The User may not assign, transfer, charge, subcontract or deal in any other manner with all or any of the rights and obligations under these Terms and Conditions without Assurant's prior written consent. Assurant may at any time assign, transfer, charge, subcontract, or deal in any other manner with all or any of its rights under these Terms and Conditions and Assurant may contract or delegate in any manner any or all of its obligations under these Terms and Conditions to any third party or agent.

(b) If any term or provision of these Terms and Conditions is found to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall not affect any other term or provision of these Terms and Conditions or the remaining part of such term or provision, or invalidate or render unenforceable such term or provision or part thereof in any other jurisdiction. Upon determination that any term or provision or part thereof is invalid, illegal or unenforceable, such valid legal, enforceable term or provision as corresponds as closely as possible to the commercial intention of the parties shall apply.

(c) The failure of either Assurant or the User to insist upon strict performance of any provision of, or to exercise any right available under, these Terms and Conditions shall not be construed as a waiver of any provision or right.

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