Terms and conditions

In connection with buying insurance using this site you should be aware of the following stages in the process:

You will be asked a series of questions and to agree to certain statements in relation to your insurance application. It is important that you take reasonable care to answer these fully and accurately. Failure to do so in some circumstances could result in your insurance cover being invalid, which would mean that a claim would not be paid.

By clicking the relevant button to confirm that you wish to purchase insurance from us online, you declare that you wish to take out the cover provided by Morton Michel Limited as an agent of the underwriters Covea Insurance plc.

You declare that you have read and understood the Summary and Guide to cover and give your explicit consent that the personal data you provide may be used by Morton Michel Limited and Covea Insurance plc, a member of Covéa Insurance Services Limited, for the purposes of your insurance. This includes underwriting, processing, claims handling and fraud prevention, which could involve passing details to agents of Covéa Insurance Services Limited or other insurers. You also declare that you understand that you are entitled to a copy of your personal data held by Covéa Insurance Services Limited and/or Morton Michel Limited.

Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online using a credit or debit card, you are authorising us to debit your credit or debit card with the amount of the premium due.

We will notify you by email that the transaction has been completed. If we have not contacted you, please contact us immediately.

Until you have received confirmation that your policy is effective, you should not rely upon being covered by the insurance offered by this website.

No policy is valid until the premium has been paid to and accepted by Morton Michel Limited.

It is a condition precedent to liability that you shall be registered with the appropriate Registering Authority where applicable and all terms of such registration shall be complied with at all times.

Please note that we only arrange cover in the UK. If you live outside the UK you should contact an insurer in your own country.

Emails - please note that there is no guarantee that any e-mail sent to this site will be received by Morton Michel Limited or that the message will remain confidential whilst being transmitted.

Important Policy information - on receipt of your payment, you should receive your documents by email immediately. If you do not do so, please contact us immediately.

Cooling off (Household and Motor insurance Policies only) - if you decide that you do not wish to accept this policy, return it within 14 days of receipt and, provided no claims have been made, we will refund the premium.

Copy Policy Documentation - a copy of all our policy documentation is available on request.

Insurance Premium Tax - as imposed by current legislation, is incorporated into all premiums.

Premiums are payable annually to Morton Michel Limited.

Legal

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed and you will be bound by the revised conditions of use.

Disclaimer

To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Morton Michel Limited and affiliates (collectively, " Morton Michel ") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Morton Michel does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Morton Michel Limited does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Morton Michel Limited) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. This website may be linked to other websites which are not maintained by Morton Michel Limited. Morton Michel Limited is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Morton Michel of the websites or the content thereof.

Limitation of Liability

While Morton Michel Limited uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Morton Michel Limited makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither Morton Michel Limited nor any party involved in creating, producing, or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Morton Michel Limited or a Morton Michel Limited authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Morton Michel’s total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website. To the fullest extent permissible under applicable law, Morton Michel Limited also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Restrictions on Use of Materials

This website is owned and operated by Morton Michel. Except as otherwise expressly permitted by Morton Michel Limited, no materials from this website or any website owned, operated, licensed or controlled by Morton Michel Limited may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Morton Michel Limited's written permission. Morton Michel Limited neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Morton Michel Limited.

Copyright

All material featured on this site is proprietary to Morton Michel Limited or its Licensors. All intellectual property rights arising in this site are reserved to Morton Michel Limited, Covéa Insurance or their licensors. You may download information from this site for your own personal use but otherwise it may not be copied or reproduced except with our written permission.

Accuracy of Information

Whilst we make every effort to ensure that the information contained in this site is complete and accurate, we provide no warranty or guarantees regarding the availability or completeness or accuracy of this site or any site to which these pages connect.

Where there are links from our site to other sites we give no implied approval or endorsement or comment as to the quality or contents of these other sites as we have no responsibility for any other site.

We reserve the right to make amendments and changes to the information on this site or these terms and conditions at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.

Verifying information

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to contact us in order to verify. Our phone number is 020 8603 0900

Disclaimer

Save in the unlikely event of fraud, fraudulent misrepresentation or death or personal injury caused by our negligence Morton Michel Limited will not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information on this web site or lack of availability of the web site.

International Enquiries

The pages on this site are only directed at United Kingdom residents, and comply with appropriate UK legislation and regulation.

Governing Law

This website and your use of it are governed by the laws of England and Wales and will be subject to the non-exclusive jurisdiction of the relevant courts of the United Kingdom.

This Site Uses Cookies

Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognise your browser.

The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookies and how to disable cookies altogether. However, cookies allow you to take full advantage of this website and we recommend that you leave them turned on.

If you do leave cookies turned on, be sure to sign off when you finish using a shared computer.

Privacy Notice

Please click here to read our Privacy Notice

Credit Card Transactions

The Consumer Credit Act (1974) also applies to transactions over the Internet. It limits your maximum liability on your credit card to £50, in the event of its loss or fraudulent use. Furthermore, all liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use.

Click here to read Morton Michel's terms of business.

Click here to read Morton Michel's privacy notice.

If you choose to pay by instalments, your personal information and the bank details you provide on the Direct Debit Instruction will be passed to our third party finance providers Premium Credit Limited. In assessing your application for credit they will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, Premium Credit Limited will send you a welcome pack detailing their full terms and conditions and commence collection of your instalments. A credit agreement will be included for you to sign and return. Premium Credit Limited may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact Premium Credit Limited on 0344 736 0342. On renewal of your insurance policy we'll continue to pass your details to Premium Credit Limited unless you instruct us otherwise.

The instalment charge and equivalent APR will vary according to the product and will be advised at the time of the quotation.