Terms and Conditions

UK Only

The web pages and insurance available on this site are only directed at United Kingdom residents.

Copyright

The Copyright of the whole of this site belongs to Student Insurance Service Direct Ltd, unless otherwise indicated, and may not be used in any way directly or indirectly by users of this website without the prior written consent of Student Insurance Service Direct Ltd.

Data Protection

Personal details provided to this website will only be used by Student Insurance Service Direct Limited and the insurer of the policy which you may purchase through this site. We do not supply or sell details to other third parties. In order for us to process your insurance requirements and provide you with the best possible service Student Insurance Service Direct Limited may use your details to offer you other products within its portfolio. Student Insurance Service Direct Limited is registered under the Data Protection No.: Z7894175

Professional Indemnity

Student Insurance Service Direct Limited is an appointed representative of Advent Insurance Services Limited, PO BOX 16, Cheltenham GL52 8WU, which is authorised and regulated by the Financial Services Authority, firm reference No.: 311694.

Disclaimer

No liability can be accepted for any errors or omissions on this website. However we do take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date. We are not responsible for the results obtained from the incorrect use of information or for any technical problems you may experience with our website. You are responsible for the security of any data which you transfer to or from our website.

Quotations

You may use the website at any time to obtain an insurance quotation. The quote obtained is only valid if purchased at the time the quotation is actually made, we have no facility to store and retrieve previous quotes made on the web site. We also reserve the right to amend our pricing structure at any time, which may mean that a quote conducted on a particular visit differs in price and /or terms from the next. The price for the requested insurance cover and policy terms and conditions will be those which are viewed at the time of purchase or during the purchase process. During the purchase process you will have the opportunity to enter the date from which the insurance will be effective. All personal possessions insurance runs for a one year term unless the policy is cancelled. All our policies are underwritten by certain underwriters at Lloyds.

Charges

The only additional charge we apply to a policy is a fixed administration cost which is added at the time a quotation is made and is identifiable as an item within the screen premium presentation. We do not charge an administration fee for mid term changes to your policy but may request additional premium if the level of cover changes or your personal circumstances change (e.g. change of address to a higher risk area).

If within 14 days of receiving your Insurance Schedule and this Certificate You decide not to proceed with the Insurance, you may cancel the insurance and receive a full return of premium, providing no incident leading to a claim has arisen. Furthermore:
You may cancel this Insurance by notifying Us in writing, You will be entitled to a pro rata refund of Premium and Insurance Premium Tax, except where:
(i) the notification of cancellation is received by Us less than four months prior to the expiry date of the Insurance and
(ii)Your premium is £40 or less in total
in which case no refund will be made We resevere the right to cancel this insurance by giving 14 days notice by Post Office Recorded Delivery to Your last known address.

Disclosure

You must disclose any items that may be relevant to the quote at the time of taking out insurance failure to do so may invalidate the terms of your policy. Please read the full insurance wording for all policy terms and conditions relating to the insurance that you are purchasing. Our frequently asked questions will also help to answer any queries you may have. Should you require any further assistance, please contact us using our FREEPHONE number.

How to make a Claim

You must refer all correspondence and telephone enquiries to:

Telephone:   01242 674674

Your certificate number should be quoted in all correspondence.

Check your document to ensure that the cause of loss or damage is covered. Your Schedule will show which Cover sections are operative. Read the General Conditions. If you have a valid claim this should be advised to SIS Direct immediately in writing and subsequently supported by:

• 1. a completed claim form (available from SIS Direct) giving full details of the circumstances leading up to and resulting in the event giving rise to the claim

• 2. receipts bills valuations or repair estimates as appropriate for all claims for loss and damage

Complaints Procedure

Any enquiry or complaint should be addressed in the first instance to:

If you are still not satisfied, you may ask the financial ombudsman to review your case.

The address is:

Telephone: 0171 327 5693 or 0171 327 6950

In all communications the certificate number appearing in Your Schedule should be quoted

Website and Communication

Messages sent over the Internet cannot be guaranteed to be completely secure. We are therefore not responsible for the accuracy of the messages sent by email over the Internet - whether from us to you or from you to us. Due to the nature of the Internet and that your access will involve features outside of our control, we are not responsible for any technical problems you may experience with our website. If you do experience technical problems, please use our FREEPHONE number advertised on this website.

Other Organisations

You may not create a hyperlink to this website without our prior written consent.