IMPORTANT LEGAL NOTICE
1. Introduction
Sura Group Limited, including subsidiaries and affiliates (the "Company”, or "we" or "us" or "our") provides the information contained on this website or any of the pages comprising the website ("website") to visitors ("visitors") (cumulatively referred to as "you" or "your") subject to these terms and conditions, the privacy policy and any other relevant terms, policies and notices.
2. Information on the Website
Whilst every effort is made to ensure the information on this website is up to date, neither the Company nor any third party or content provider makes any representations or warranties as to its accuracy, completeness or reliability.
The Company reserves the right to change or discontinue any aspect of the website at any time without notice. Information is provided for general information purposes only and does not constitute advice. You rely on such information at your own risk.
2.1 Recommendations
The Company makes no recommendations as to the suitability of any insurance product offered on its website and accepts no responsibility or liability for any losses or damages incurred as a result of policyholders’ non-compliance with policy Terms and Conditions or fitness for purpose.
The Company acts only as an agent in the marketing of insurance products and, as such, takes no responsibility for the making of, administering or settling of claims under these policies.
Claims are administered and settled by the insurer as detailed in your policy documentation. The Company does not make decisions on claims.
Neither the Company nor any officer or employee of the Company will be liable, whether in negligence or otherwise, for any error, omission, or incompleteness in the information on this website.
3. Trademarks
The trademarks, names, logos and service marks (collectively "trademarks") displayed on this website are registered and unregistered trademarks of the Company. Nothing contained on this website should be construed as granting any licence or right to use any trademark without the prior written permission of the Company.
4. External Links
External links may be provided for your convenience, but they are beyond the control of the Company and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of the Company. Please contact us if you would like to link to this website or would like to request a link to your website.
5. Warranties
The Company makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website.
6. Disclaimer of Liability
The Company disclaims all liability for any loss, damage or expense arising from your use of the website or reliance on its content.
7. Use of the Website
The Company does not warrant that the website is appropriate for use outside Great Britain. By accessing the website, you confirm you are legally entitled to do so.
8. General
8.1 Entire Agreement
These terms constitute the entire agreement between you and the Company. Neither you nor the Company shall be bound by any express, tacit or implied representation, warranty, promise or the like not recorded herein. Unless otherwise specifically stated, these website terms and conditions supersede and replace all prior commitments, undertakings or representations, whether written or oral, between you and the Company in respect of your use of the website.
8.2 Alteration
The Company may at any time modify any relevant terms and conditions, policies or notices. You acknowledge that by visiting the website from time to time, you shall become bound to the current version of the relevant terms and conditions (the "current version") and, unless stated in the current version, all previous versions shall be superseded by the current version. You shall be responsible for reviewing the then current version each time you visit the website.
8.3 Conflict
Where any conflict or contradiction appears between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.
8.4 Cession
The Company shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of any relevant terms and conditions, policies and notices to any third party.
8.5 Severability
All provisions of any relevant terms and conditions, policies and notices are, notwithstanding the manner in which they have been grouped together or linked grammatically, severable from each other. Any provision of any relevant terms and conditions, policies and notices, which is or becomes unenforceable in any jurisdiction, whether due to voidness, invalidity, illegality, unlawfulness or for any reason whatever, shall, in such jurisdiction only and only to the extent that it is so unenforceable, be treated as pro non scripto and the remaining provisions of any relevant terms and conditions, policies and notices shall remain in full force and effect.
8.6 Applicable Law
Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of Great Britain without giving effect to any principles of conflict of law. You hereby consent to the exclusive jurisdiction of the High Court of Great Britain in respect of any disputes arising in connection with the website, or any relevant terms and conditions, policies and notices or any matter related to or in connection therewith.
8.7 Comments or Questions
If you have any questions, comments or concerns arising from the website, the privacy policy or any other relevant terms and conditions, policies and notices or the way in which we are handling your personal information please contact us.
8.8 Cancellation and Refund Policy
Gap Insurance policies may be cancelled within 30 days of purchase for a full refund, provided no claim has been made.
All other policies may be cancelled within 14 days of purchase for a full refund, provided no claim has been made.
After these periods, you may cancel your policy in line with the terms set out in your policy documentation. Any refund due will be calculated based on the remaining period of cover.
The right to cancel applies from the date of purchase. If cover has commenced, refunds may be adjusted to reflect time on cover in accordance with your policy terms. No refund will be payable where a claim has been made.
Full cancellation details can also be found in the terms and conditions issued to you.
Refunds, where applicable, will be processed within 7 working days.
Consequences of Non-Payment (Monthly Payment Option)
Failure to make payments may result in cancellation of your credit agreement and insurance policy. Additional charges may apply, and this may impact your credit rating.
8.9 Policy Transfer
Some policies may be transferable to a replacement vehicle, subject to the terms and conditions of your policy.
Full details, including any applicable conditions or limitations, can be found in your policy documentation.
8.10 Charges
Policy documents are provided electronically free of charge. You may request paper copies of your documents at any time by contacting the Company. There may be a reasonable cost to provide this service. You will be informed beforehand if this is the case.
You may update your policy details online or by contacting the Company. No administration fee is charged for requesting standard updates.
Some policies attract a fee for implementing changes to the policy (such as amending your vehicle registration number). This is usually free of charge for first changes. This fee will be no more than £35. This is meant as a guide, please check your policy wording for details on these fees.
8.11 Deferred Policies
Eligible policies may be deferred for up to 12 months, subject to the terms set out in your policy documentation.
8.12 Liability Disclaimer
It is your responsibility to ensure that the product you choose meets your needs and requirements.
The Company provides information to help you make an informed decision, but does not provide advice or recommendations.
The Company accepts no liability for losses arising from non-compliance with policy terms or where a product does not meet your individual requirements.
8.13 Cancellation & Further Investigation
The Company reserves the right to carry out reasonable checks on any application or policy.
The Company reserves the right to request further information that may include the further stipulation of certain security features to the vehicle, not limited to tracking devices. Proof of security device installation may also be requested by the Company.
We may cancel this insurance where we have reasonable grounds to believe that:
- false or incomplete information has been provided
- there has been an attempt to obtain payment dishonestly
- the terms and conditions have not been met
- you have failed to act honestly towards us
- you have failed to pay your premium
- abusive or threatening behaviour has occurred
- you have failed to implement required additional security measures or features
- the risk does not meet our underwriting criteria
8.14 Consent to Receive Electronic Records
The Company will provide policy documents, communications and related information electronically where possible, including by email or through your online account.
By purchasing a policy, you agree to receive documents in this way.
It is your responsibility to ensure that your contact details, including your email address, are accurate and kept up to date. The Company will not be responsible for any issues arising from incorrect or outdated contact information.
You may request paper copies of your documents at any time by contacting the Company. There may be a reasonable cost to provide this service. You will be informed beforehand if this is the case.
9.0 Initial Disclosure
9.1 The Financial Conduct Authority
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
9.2 Whose products do we offer?
We offer insurance cover from a limited number of insurers for Guaranteed Asset Protection insurance, including Helvetia Global Solutions Ltd and Hiscox Insurance Company Limited.
For Tyre Insurance, Alloy Wheel Insurance and Scratch & Dent Insurance, we only offer products from a single insurer, Helvetia Global Solutions Ltd.
9.3 Which service will we provide you with?
You will not receive advice or a recommendation from the Company. We may ask questions to help present relevant product information, but we do not assess suitability or make personal recommendations. You are responsible for deciding whether a product meets your needs.
9.4 What will you pay us for our services?
You do not pay The Company a fee for our services. The Company is remunerated by commission paid by insurers or finance providers.
9.5 Who regulates us?
The Company is an appointed representative in respect of insurance and credit broking activities of Alternative Propositions Ltd, which is authorised and regulated by the Financial Conduct Authority, with reference 602443. Our FCA authorisation number is 1050283
9.6 Ownership
The Company is a privately owned limited company.
9.7 Complaints
If you wish to register a complaint, please contact us:
- By Email: [email protected]
- By Post: Sura Group Limited, 1 Neville Street, Leeds, LS1 4DW
- By Telephone: 01422 756 100
If you cannot settle your complaint with us, you may be entitled to refer to the Financial Ombudsman Service.
9.8 FSCS
We are covered by the 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.
Insurance arranging and administration is covered for 90% of the claim, without any upper limit. Further information about the compensation scheme is available from the FSCS.
Further information about the compensation scheme is available from the FSCS.