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Terms & conditions v1.5 (#8)

* Update terms.md

I've suggested minor changes to reflect >1 motor underwriter, IPID, and minor TOV amendments

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robdaviescuvva authored and Duffleman committed Mar 20, 2019
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  1. +29 −29 terms.md
@@ -16,35 +16,35 @@ These Terms will be legally binding when you accept them. We'll make small chang

We're an independent insurance intermediary acting on your behalf to arrange either of two products (**Products**): short-term motor insurance (**Short-term**); and/or travel insurance (**Travel**).

The Products are underwritten by insurance companies (**Insurers**), not Cuvva. To purchase a Product, you need to agree to a contract with the relevant Insurer (**Insurance Contract**). This will govern the terms and conditions on which the nominated vehicle is insured or individuals are insured.
The Products are underwritten by insurance companies (**Insurers**), not Cuvva. To buy a Product, you need to agree to a contract with the relevant Insurer (**Insurance Contract**). This will govern the terms and conditions on which the nominated vehicle or individuals are insured.

**Cuvva doesn't provide personal recommendations or advice. Cuvva hasn't carried out an analysis of the market to identify the best possible offer for you.** You'll need to make your own choice on whether the product is suitable for your needs.
**Cuvva doesn't give personal recommendations or advice. Cuvva hasn't carried out an analysis of the market to identify the best possible offer for you.** You'll need to make your own choice on whether the product is suitable for your needs.

Our Short-term and Travel products are each provided by a single insurer on a non-exclusive basis. Details of the relevant Insurer can be found within your Insurance Contract prior to purchasing either Product, and/or are available on request.
Our Short-term and Travel products are provided by insurers on a non-exclusive basis. Details of the relevant Insurer can be found in your Insurance Contract before purchase, and are available on request.

Currently it's not possible to purchase our Products when outside the UK.
Currently it's not possible to buy our Products when you're outside the UK.

## 3. Your Protection

Cuvva Limited is authorised and regulated by the FCA, as we described earlier. We're permitted to arrange non-investment general insurance contracts. You can check this information on the FCA's Register by visiting [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) or by contacting the FCA on [0800 111 6768](tel:08001116768).
Cuvva Limited is authorised and regulated by the FCA, as we described earlier. We're permitted to arrange non-investment general insurance contracts. You can check this on the FCA's Register by visiting [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) or by contacting the FCA on [0800 111 6768](tel:08001116768).

Cuvva is responsible for arranging and administering our Products. As part of this service, it's our intention to provide you with an exceptional level of customer support at all times. But if you're unhappy with Cuvva, we have a formal complaints procedure. You can contact us via the app or by email at [support@cuvva.com](mailto:support@cuvva.com). Alternatively, you can write to us at 12 Mallow Street, London, EC1Y 8RQ.
Cuvva is responsible for arranging and administering our Products. As part of this service, we want to give you an exceptional level of customer support at all times. But if you're unhappy with Cuvva, we have a formal complaints procedure. You can contact us via the app or by email at [support@cuvva.com](mailto:support@cuvva.com). Alternatively, you can write to us at 12 Mallow Street, London, EC1Y 8RQ.

The Insurers are responsible for the underlying insurance policy and related claims. If you're unhappy with the Insurers, you can contact them directly. If you need any further information, please refer to your Insurance Contract or get in touch with us.
The Insurers are responsible for the underlying insurance policy and related claims. If you're unhappy with the Insurers, you can contact them directly. If you need any further information, check out your Insurance Contract or get in touch with us.

If you remain unhappy with either Cuvva or our Insurers, you're entitled to refer your complaint to the Financial Ombudsman Service at any time and free of charge. You can find out more here: [http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm](http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm).
If we've had a chance to reply to your complaint and you're still unhappy, you can refer your complaint to the Financial Ombudsman Service free of charge. You can find out more here: [http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm](http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm).

We're also covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS in the unlikely event we can't meet our obligations. Further information about the compensation scheme arrangement is available here: [https://fscs.org.uk/your-claim](https://fscs.org.uk/your-claim)
We're also covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS in the unlikely event we can't meet our obligations. Further information about the compensation scheme is available here: [https://fscs.org.uk/your-claim](https://fscs.org.uk/your-claim)

## 4. Information about the Insurers and Purchasing Process

All transactions to purchase Products are completed via our app. Prior to payment you'll be given a quote which will be valid for a limited period as shown in our app. You should only proceed to the payment screen and then authorise payment if you accept the quote, the Terms and the Insurance Contract, and wish Cuvva to collect money from you.
All transactions to buy Products are completed via our app. Before payment you'll be given a quote which will be valid for a limited period, as shown in our app. You should only go ahead to the payment screen and then authorise payment if you accept the quote, the Terms and the Insurance Contract, and want Cuvva to collect money from you.

After you authorise payment, we may carry out final checks which can result in a failed purchase. If this happens and results in an uncaptured payment, we'll automatically release the payment within a few minutes. But it may take up to 7 days to be processed by your bank.

Before purchasing Products via our app, you should read the relevant Insurance Contract with the Insurer, which is provided within the app. The Insurance Contract covers any terms and conditions between you and the Insurer (whereas these Terms are between you and Cuvva).
Before buying Products via our app, you should read the relevant Insurance Contract with the Insurer, which is provided within the app. The Insurance Contract covers any terms and conditions between you and the Insurer (whereas these Terms are between you and Cuvva).

**You can only use our app to purchase motor insurance for yourself.** You can't purchase motor insurance on behalf of another person. If you represent yourself as another person to apply for motor insurance Product, the Product may not be valid.
**You can only use our app to purchase motor insurance for yourself.** You can't purchase motor insurance on behalf of another person. If you represent yourself as another person to apply for a motor insurance Product, the Product may not be valid.

You can use our app to purchase travel insurance for a companion joining you on your trip, provided you have their consent, subject to the limitations set out during the purchasing journey.

@@ -54,19 +54,19 @@ If you use a payment card which isn't in your name, we may take appropriate acti

We can't make any changes to a short-term insurance policy once it's been purchased, whether it's motor or travel insurance. So if you purchase a Short-term product, you wouldn't be able to change it to cover a different vehicle, for example. If you wanted to cover a different vehicle, you would need to get a new quote in the app, before purchasing a new Short-term product.

Cuvva can't guarantee that our app will be available at all times, including due to problems with third party websites or your internet connectivity. Cuvva will not be responsible to you for any losses or inconvenience as a result of our app being unavailable.
Cuvva can't guarantee that our app will be available at all times, including due to problems with third party websites or your internet connectivity. Cuvva won't be responsible to you for any losses or inconvenience as a result of our app being unavailable.

## 5. Your Responsibility for Accurate information

In the case of all insurance, the validity of cover and the amount you pay depends on the information you provide. **It's your responsibility to provide complete and accurate information to us and the Insurer at all times**, including when you purchase your Product. It's important that all statements you make and all questions you answer are complete, true and accurate.
In the case of all insurance, the validity of cover and the amount you pay depends on the information you provide. **It's your responsibility to provide complete and accurate information to us and the Insurer at all times**, including when you buy your Product. It's important that all statements you make and all questions you answer are complete, true and accurate.

You must notify us of anything which may affect the Product, insurance policy or quote. For Short-term, this could mean telling us about any previous incidents you've been involved in, or if there's any reason you may not be able to legally drive the vehicle. For travel, this could be any health issues, or anything you're aware of which may mean you won't be able to make the trip.
You must tell us about anything which may affect the Product, insurance policy or quote. For Short-term, this could mean telling us about any previous incidents you've been involved in, or if there's any reason you may not be able to legally drive the vehicle. For travel, this could be any health issues, or anything you're aware of which may mean you won't be able to make the trip.

You can update your details yourself or speak with us in the app, by email, or in writing. All communications are recorded - see our Privacy Notice for more information.

If you're not sure whether you need to tell us something - please ask. We're happy to help!

If the information provided by you is not complete and accurate:
If the information provided by you isn't complete and accurate:

- The insurance policy may be voided by the Insurer, meaning the insurance policy effectively never existed and, if using our Short-term product, you may be liable for driving without insurance.
- The insurance policy may be cancelled by the Insurer, meaning the Insurer can refuse to pay a claim, or may not pay a claim in full.
@@ -85,23 +85,23 @@ If you purchase our Products, the details of your cancellation rights are includ

## 7. How we get paid

For all Products, you'll be advised of the insurance premiums, taxes and fees payable in our quote summary which you can see in the app prior to purchase. Cuvva Limited is usually paid either by receiving a percentage of the insurance premium by way of commission from the Insurer or service provider, or by receiving an admin fee from you for arranging the insurance, or both. We may earn additional amounts from Insurers to reflect the performance of the Products.

All commissions, taxes and fees are disclosed in our app, or available from us on request.
For all Products, we'll tell you the insurance premiums, taxes and fees payable in our quote summary which you can see in the app before purchase. Cuvva Limited is usually paid either by receiving a percentage of the insurance premium by way of commission from the Insurer or service provider, or by receiving an admin fee from you for arranging the insurance, or both. We may earn additional amounts from Insurers to reflect the performance of the Products.

## 8. Correspondence

Prior to purchasing your Product you'll be able to review the Insurance Contract in long format. Depending on the Product, you may also receive a summary (**Key Facts Document**). Following purchase you'll receive an email with your Insurance Certificate and Insurance Contract relating to your policy. The email will also include a breakdown of what you've paid and some other useful information, like how to contact us if you have an accident. These documents are also visible within the app.
Prior to buying your Product you'll be able to review the Insurance Contract in long format. You'll also be able to review a summary, called an Insurance Product Information Document (IPID for short). Following purchase, you'll get an email with your Insurance Certificate and Insurance Contract for your policy. The email will also include a breakdown of what you've paid and some other useful information, like how to contact us if you have an accident. These documents are also visible within the app.

We may need to contact you from time-to-time, usually by email or in the app. It's important you read any messages sent to you and respond in a timely fashion when necessary. Please be aware that we may require certain information from you on behalf of our Insurers, and failure to provide such information can result in the cancellation of an existing policy and/or not being allowed to purchase future policies. Any such action will be taken in accordance with the terms of your Insurance Contract.
We may need to contact you from time-to-time, usually by email or in the app. It's important you read any messages sent to you and respond in a timely way when needed. We may need certain information from you on behalf of our Insurers, and failure to provide such information can result in the cancellation of an existing policy and/or not being allowed to buy future policies. Any action like that will be taken in line with your Insurance Contract.

It's important to ensure the details of any vehicle you want to insure match the details you enter in the app. Failure to do so can lead to you getting insured on the wrong vehicle! Please also check that the details we provide you about the vehicle, prior to purchase, match the vehicle you wish to drive.
It's important to ensure the details of any vehicle you want to insure match the details you enter in the app. Failure to do so can lead to you getting insured on the wrong vehicle! Please also check that the details we give you about the vehicle, before purchase, match the vehicle you wish to drive.

## 9. Motor Insurance Database

All UK car insurance policies are automatically added to the "Motor Insurance Database" which is used by the police and ANPR cameras to confirm cars are driving legally. Although Cuvva sends information to the MID faster than other companies, unfortunately, the database is slow to update and it's possible your policy will have expired before it shows up on the MID.
All UK car insurance policies are automatically added to the "Motor Insurance Database" which is used by the police and ANPR cameras to confirm cars are driving legally. Although Cuvva sends information to the MID faster than other companies, unfortunately, the database is slow to update, and it's possible your policy will have expired before it shows up on the MID.

Your policy documents (found in app or by email) are proof of your cover. If there are any questions from the authorities, they can do a live check or get in touch with Cuvva. The quickest way for the police (and indeed, anyone) to get a response from us, 24/7 and each day of the year, is usually via the app or by email at support@cuvva.com.

Your policy documents (found in app or by email) are proof of your cover and if there are any questions from the authorities, they can do a live check or get in touch with Cuvva. Please ensure that any authorities double-check your policy documents and if there's any doubt, they should contact Cuvva. Once your car is impounded you typically have to pay a high fee for the vehicle's release.
Please ensure the authorities double-check your policy documents, and if there's any doubt, they should contact Cuvva. Once your car is impounded you typically have to pay a high fee for the vehicle's release.

## 10. Authentication

@@ -117,7 +117,7 @@ Claims should be notified to the Insurer as soon as possible. If you don't, an I

## 12. Termination

We reserve the right to resign as your insurance intermediary at any time. We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use the Cuvva App at any time, including, but not limited to, if you breach any of these Terms; infringe or violate or attempt to infringe or violate any rights of third parties (including other users of the Cuvva App); if you're using a Product outside its intended application; or if we suspect you're using the Cuvva App to commit or attempt to commit a criminal offence. If we suspend or terminate your access, we'll continue to fulfil any outstanding regulatory responsibilities to you following our termination of these Terms.
We reserve the right to resign as your insurance intermediary at any time. We may issue a warning, suspend or terminate your right to use the Cuvva App at any time, including, but not limited to, if you breach any of these Terms; infringe or violate or attempt to infringe or violate any rights of third parties (including other Cuvva users); if you're using a Product outside its intended application; or if we suspect you're using the Cuvva App to commit or attempt to commit a criminal offence. If we suspend or terminate your access, we'll continue to fulfil any outstanding regulatory responsibilities to you following our termination of these Terms.

## 13. If things go wrong

@@ -131,11 +131,11 @@ If we don't meet our obligations under these Terms due to events outside of our

Usually all communications are made via the app, but we may also contact you by email, letter, telephone or face-to-face. We can't guarantee your instructions have been received unless we've acknowledged them. We reserve the right to refuse instructions but, if we do, we'll let you know.

Our office hours are Monday to Friday, 9.00am to 6.00pm UK time. There may be a delay in responding to instructions if they're received outside of office hours. But you can speak with us in the app 24 hours a day, 365 days a year, and we'll get back to you as soon as we can.
Our office hours are Monday to Friday, 9.00am to 6.00pm UK time. There may be a delay in responding to instructions if they're received outside of office hours. But you can speak with us in the app 24 hours a day, each day of the year, and we'll get back to you as soon as we can.

## 15. Privacy Notice

You can find details of how we treat the information you provide to us (including personal information) in our Privacy Notice, which you can find in our app.
You can find details of how we treat your personal data in our Privacy Notice, which you can find in our app.

## 16. Money Laundering & Proceeds of Crime

@@ -155,7 +155,7 @@ Our failure or delay in enforcing or partially enforcing any provision of the Te

## 20. Use of the Cuvva App

By using the Cuvva App you agree that you're solely responsible for ensuring you have permission to use any relevant vehicle to which the Product relates. Cuvva has no control and takes no responsibility for the relevant vehicle.
By using the Cuvva App you agree you're solely responsible for ensuring you have permission to use any relevant vehicle. Cuvva has no control and takes no responsibility for the relevant vehicle.

## 21. Insurer solvency

@@ -165,4 +165,4 @@ We don't guarantee the solvency of any insurer we help arrange your purchase Pro

The laws of England and Wales apply to our service. Any disputes are intended to be heard by the Courts of England and Wales. But we recognise you're free to choose the laws and jurisdiction of Scotland, or Northern Ireland, if you're resident there and wish to do so.

[_v1.4 (2018-12-03)_](https://github.com/cuvva/terms/blob/terms-v1.4/terms.md)
[_v1.5 (2019-03-20)_](https://github.com/cuvva/terms/blob/terms-v1.5/terms.md)

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