Terms and Conditions
Please read these terms and conditions with care since they form an important part of any contract between you and Morton Michel and between you and Sterling Insurance Group Limited, and by using this site you are deemed to agree to be bound by these terms.This page is divided into the following sections:
- Arranging Insurance Online
- About The Information On This Site
- Key Facts and Terms of Business
- Customer Service Information
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 simple questions and to agree to certain statements in relation to your policy. These are the questions which form the basis of the insurance and which you should answer truthfully.
By clicking 'Submit' you declare that you wish to take out the cover provided by Morton Michel.
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, for the purposes of your insurance. This includes underwriting, processing, claims handling and fraud prevention, which could involve passing details to agents of the underwriters. You also declare that you understand that you are entitled to a copy of your personal data held by the underwriters and/or Morton Michel upon payment of a fee.
Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online you are authorising us to debit your credit or debit card with the amount of the premium due.
No policy is valid until the premium has been paid to and accepted by Morton Michel.
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 or that the message will remain confidential
whilst being transmitted.
Copy Policy Documentation
A copy of all our policy documentation is available on request.
Insurance Premium Tax
Insurance premium tax, as imposed by current legislation, is incorporated into all premiums.
Disclosure of Material Facts
Your attention is particularly drawn to the importance of the Declaration and signature on the Insurer's proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate your cover. Please do consult us if you are in doubt on any aspect.
About the information on our site
Copyright
All material featured on this site is proprietary to Morton Michel or its Licensors. All intellectual property rights arising in this site are reserved to Morton Michel 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 0845 2570900.
Disclaimer
Morton Michel 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 exclusive jurisdiction of the English court.
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.
Data Protection
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.
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.
Morton Michel Key Facts and Terms of Business
Please read the attached PDF for our terms of business.
Morton Michel Key Facts and Terms of Business
1. Disability Discrimination Act 1995
In accordance with the Disability Discrimination Act 1995 we are able to provide upon request a textphone facility, audio tapes, large print documentation and Braille documentation. Please advise us if you require any of these services to be provided so that we can communicate in an appropriate manner.
2. Law applicable to the contract
We propose to choose English law as the law applicable to the contract unless we agree another choice of law with you prior to the start date.
3. Premiums
Premiums are payable annually to Morton Michel. Insurance premium tax, as imposed by current legislation, is incorporated into all premiums.
4. Promise of satisfaction and service
We are confident that your policy will bring you complete satisfaction. We undertake to refund the premium in full if you are not satisfied with the cover provided by your policy if it is returned within 14 days of issue, but if there has been an incident which has resulted or could result in a claim you must reimburse the Company for any amounts we have paid or may be required to pay, in respect of that incident.
5. 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. Further information about compensation scheme arrangements is available from the FSCS.
6. Notification of a claim
If you have a claim, or are aware of an incident that could result in a claim, please contact Morton Michel on 0845 2570900.
7. Enquiries or complaints
If you have an enquiry or complaint regarding:
- the suitability of this policy for your needs; or
- the information and advice you received whilst it was originally being discussed; or
- the operation or administration of the policy
or an enquiry concerning a claim that you may have made; you should contact Morton Michel at Alhambra House, 9 St Michael's Road, Croydon CR9 3DD or by phone on 0845 2570900.
Please be ready to provide all relevant details of your policy and in particular your policy number (if allocated) to help your enquiry or complaint to be dealt with speedily.
If you are not satisfied with the way in which your complaint has been dealt, please contact the Customer Services Manager of Morton Michel at Alhambra House, 9 St Michael's Road, Croydon CR9 3DD or by phone on 0845 2570900.
If you remain dissatisfied, you may have the right to refer your complaint to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; telephone number 0845 080 1800.
Please note that the Financial Ombudsman Service will normally only consider a complaint once we have issued a final decision letter.
Following this procedure will not affect your legal rights.