Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the SwiftPolicy website (www.swiftpolicy.co.uk) and our insurance services. By accessing our website or purchasing our products, you agree to be bound by these Terms. SwiftPolicy Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA).

2. Definitions

• "We", "Us", "Our": SwiftPolicy Insurance Services Limited
• "You", "Your": The user of our website or policyholder
• "Policy": The insurance contract between you and the insurer
• "Website": www.swiftpolicy.co.uk and all associated pages
• "Services": Insurance products and related services we provide

3. Website Use

By using our website, you agree to:

• Provide accurate and complete information when obtaining quotes
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorised access to our systems
• Not use automated systems to access the website without permission
• Not reproduce, duplicate, or exploit any part of the website

4. Insurance Quotes

When obtaining an insurance quote:

• Quotes are based on the information you provide and are subject to verification
• Quotes are valid for 30 days unless otherwise stated
• The final premium may differ if information changes or is found to be inaccurate
• We reserve the right to decline to offer insurance
• All quotes are subject to acceptance by the underwriter

5. Your Duty of Fair Presentation

You have a duty to make a fair presentation of the risk. This means you must disclose all material facts that could influence our decision to insure you or the terms offered. Failure to disclose relevant information may result in your policy being voided, claims being rejected, or your policy being cancelled.

6. Policy Terms

Your insurance policy will be subject to:

• The policy document and schedule
• The statement of fact you provided
• Any endorsements or conditions applied
• Payment of the required premium
• Compliance with all policy conditions

7. Payment Terms

Regarding payments:

• Payment must be made in full or via approved monthly instalments
• Monthly payments are subject to a credit agreement and interest charges
• Failure to pay may result in policy cancellation
• We accept major credit and debit cards
• All prices are in GBP and include Insurance Premium Tax (IPT) where applicable

8. Cancellation

Your Cancellation Rights:

• You have a 14-day cooling-off period from policy start or document receipt
• Within cooling-off: Full refund less any days of cover used
• After cooling-off: Pro-rata refund less administration fee (typically £50)
• No refund if a claim has been made or is pending

Our Cancellation Rights: We may cancel your policy by giving 7 days' written notice for reasons including non-payment, fraud, misrepresentation, or failure to comply with policy terms.

9. Claims

When making a claim:

• Notify us as soon as reasonably possible
• Provide accurate and complete information
• Cooperate fully with our claims investigation
• Do not admit liability without our consent
• Take reasonable steps to minimise loss or damage

10. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of SwiftPolicy or its licensors and is protected by copyright and intellectual property laws. You may not use, reproduce, or distribute any content without our prior written permission.

11. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services. Our total liability shall not exceed the premium paid for your policy. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

12. Complaints

If you are unhappy with our service, please contact us:

If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service within 6 months.

13. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

14. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated revision date. Your continued use of our website after changes constitutes acceptance of the updated Terms.

15. Contact Information