Effective date: 11/10/2022
This website is owned and provided by TWG Services Limited ("Assurant", "We", "Us" or "Our"). Assurant is a limited company incorporated and registered in England with its registered office Twenty Kingston Road, Kingston Road, Staines-Upon-Thames, Surrey, United Kingdom, TW18 4LG under company number 01883565.
We provide this website (the "Website") for your personal non-commercial use only and subject to your compliance with these Terms of Use (the "Terms"), unless otherwise set forth on the Website.
Our Website is directed to people residing in the United Kingdom who are of legal driving age or older. We do not represent that the Website or the information, material and content displayed on it (the “Content”) is appropriate for use in or available in other locations. Anyone under legal driving age is not permitted to use the Website.
Please read these Terms carefully before using the Website. By using the Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use the Website. We reserve the right, in our sole discretion, to change these Terms at any time. Your continued use of the Website constitutes your acceptance of any changes to these Terms. Please review these Terms periodically for changes.
Additional Terms apply
Our insurance and other product and service offerings linked to the Website, (the "Additional Products") are governed by additional terms ("Additional Terms") which you will also be subject to. For example, where you have purchased a service plan and/or GAP insurance which Assurant administers or underwrites, you will be subject to the service plan and/or insurance policy terms and conditions. The information and descriptions on the Website do not necessarily represent complete descriptions of all terms, conditions and exclusions of the Additional Terms and the precise terms and conditions and/or cover provided (as applicable) shall be included in the policy/product schedule and policy documents/ product terms and conditions issued to you for the Additional Products (as applicable).
These Terms should be read in conjunction with the Additional Terms, in the event of any contradiction between these Terms and the Additional Terms, the Additional Terms shall control.
We may modify, suspend or terminate the Website
The Website is currently made available free of charge. Assurant reserves the right to charge a fee for access to, or use of, the Website, at any time in the future, and Assurant will notify you before it does so. Your access to or use of the Website before such time does not entitle you to access or use without charge in the future.
We may, in our sole discretion, modify, suspend, or terminate the Website and/or any portion of it at any time for business or operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
Where you breach any of the provisions of these Terms, we reserve the right to modify, suspend or terminate your use of the Website immediately. For termination for any reason, your right to use our Website and the Content will cease.
Registering for and deleting your account
If you register for an account to use the Website, you must complete the registration process by providing us with complete and accurate information as requested. You must keep your registration data complete, accurate and up-to-date and any loss caused by your failure to do so is your responsibility.
After completing the registration process, you will be asked to choose a password. It is your responsibility to maintain the confidentiality of your password and account. You are also responsible for all activities that occur under your account. You agree to notify Assurant immediately of any suspected or unauthorized use of your account, or if anyone knows your password. Assurant is not liable for any loss that you may incur as a result of someone else using your password or account.
You may delete your account on the Website at any time by logging into the Website, accessing “Profile & Settings” and selecting the “Delete Account” option under ”Manage”. Deletion of your account on the Website does not cancel the Additional Products, these may only be cancelled in accordance with the relevant Additional Terms.
We have the right to suspend or terminate your account on the Website and your use of the Website, in whole or in part, at any time, if we have a reasonable belief that it is being used in connection with fraudulent activity.
Your use of our Content
The Website and its Content, including but not limited to text, photographs, graphics, video and audio material, software, Assurant logos, titles, characters, names, and button icons, are owned by or licensed to Assurant, Inc. or its subsidiaries or affiliates and protected by copyright, trademark and other intellectual property laws around the world. All rights are reserved and you must not use the Intellectual Property other than as set out in these Terms.
You may view and download extracts and print a reasonable number of pages within the Website solely for your personal or internal, non-commercial purposes, provided that (a) no such pages are modified, and (b) this page and any notice in such pages regarding use or ownership are included with such stored, reproduced or distributed pages. You must not use any illustrations, logos, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of Content must always be acknowledged.
Any trademarks, service marks, product names and company names or logos appearing in any part of the Content that are owned by Assurant, its affiliates, licensors, or suppliers may not be used without express permission from the respective owner.
Restrictions of use of the Website
Unless otherwise specified, the Website and Content are for your personal and non-commercial use only. In accessing and using the Website, you agree that you will not:
We do not provide you with advice via the Website
The Website and Content are provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the Website or Content.
We may link to external sites on the Website
We may provide links to other websites that are not under our control and which we do not maintain. These links are provided for your convenience. When you activate these links, you will leave the Website. We do not endorse or take responsibility for the content on third-party websites, or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk. Please consult the conditions of use and privacy policies on those websites for further details on use of those websites.
Our liability to you for the Website
We make no warranties or representations, express or implied, that:
You agree that, to the fullest extent permitted by applicable law, your sole and exclusive remedy for any problems or dissatisfaction with the Website or the Content is to stop using the Website and any Content.
We do not exclude or limit our legal liability in relation to the Website and Content in any way: (a) for death or personal injury caused by our negligence or the negligence of our personnel; (b) for fraud or fraudulent misrepresentation; or (c) where it would otherwise be unlawful to do so.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of the Additional Products, which will be set out in the Additional Terms.
Please note that we only provide our Website and Content for domestic and private use. You agree not to use the Website for any commercial or business purposes, and if you choose to do so we have no liability to you for loss of profit, loss of business, business interruption, or loss of business opportunity.
How we use your personal information
For information about our privacy practices, please see Assurant's Privacy Notice.
9. Changes to this Privacy Notice
We may update this Notice from time to time. If We make any material changes to Our Notice, We will notify you by email or by means of a notice through Service, or by other means prior to the change becoming effective, so that you may review the changes before you continue to use the Service. We suggest that you review changes carefully.
10. Security Procedures
We have measures in place to restrict access to information to those employees and individuals whom We know have a valid business purpose to have access to such data. We maintain physical, electronic, and procedural safeguards. We follow generally accepted standards designed to protect the Personal Data submitted to Us, both during transmission and once we receive it. We require those who provide Services for Us and to whom We provide information collected through the Service to keep such information safeguarded and confidential. However, no method of transmission over the Internet or method of electronic storage is totally secure. Therefore, We cannot guarantee its absolute security.
Emails and communications
When you register for an account to use the Website you agree to us sending you communications by email and SMS. You may withdraw your consent to receive marketing communications and opt-out of push notifications at any time via the “Profile & Settings” tab of your account. You can always withdraw your consent to marketing emails or SMS by using the unsubscribe link in any email communication or by replying “STOP” to a text message you received. Please note you cannot opt-out from service-related communications and there is no guarantee that any email sent to this Website will be received by us or that the message will remain confidential whilst being transmitted.
Partial Invalidity Terms of Use
In the event that any provision of these Terms of Use is declared null and void, it shall be deleted or replaced. In any case, such declaration of invalidity shall not affect the other provisions of these Terms of Use.
Laws and Regulations
This Website is directed to residents of the United Kingdom. Access to and use of this Website is subject to English law, and any question or dispute arising in connection with this access and use shall be subject to the exclusive jurisdiction of the English courts unless you are resident in Scotland or Northern Ireland, in which case you may choose the Scottish or Northern Irish courts (as applicable).
Contact us
To contact us, you may send an email via the Website by clicking here or by emailing [email protected]