Regulatory Information and Terms & Conditions of Use

Please read the following section carefully as it contains the conditions of use governing your use of our website (the "Site").

Additional terms and conditions apply to the products and services offered on this Site. These will be drawn to your attention when you browse, apply for and following any purchase. By using this Site you agree to these conditions of use.

If you wish to contact us regarding any matter set out in these conditions you may do so by contacting us by email, by phone, or by writing to us.

Companies Operating on the Site

The Site is operated under licence by Indigo Underwriters Ltd.

MORIS.co.uk / Indigo Underwriters provides general insurance products advertised on the Site.

MORIS.co.uk / Indigo is regulated by the Financial Conduct Authority. The Financial Conduct Authority's Register can be accessed on their website.

By entering into a contract of insurance you will take on certain obligations and grant certain powers to Indigo Underwriters Ltd. Nothing contained in any insurance policy terms affects your statutory rights as a consumer.

Use of Personal Information

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our Privacy and Security statement.

Availability of Site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be restricted or service temporarily suspended to allow for repair, maintenance or for introduction of new products or services.

Trademarks

Images, logos, names and trademarks on the Site are proprietary marks owned by the Licensor who has granted licence to MORIS.co.uk / Indigo Underwriters Ltd Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder

Ownership of All Materials on the Site

MORIS.co.uk / Indigo Underwriters Ltd operate this website under licence. The Licensor is the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.

Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

Product Terms and Conditions

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in your Confirmation of Cover and/or any other conditions issued to you.

If you apply for any product detailed on the Site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service terms and conditions, the latter shall prevail.

External Links

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. 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.

Site Access

The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Credit Card Transactions

We do not retain credit card details where payments are made over the website via PayPoint. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase. This is done via the security of Pay360. We do charge an additional 2.5% to cover credit card charges. Debit cards are free of charge.

Disclaimer

We will do our best to correct errors and omissions as soon as we can. Nevertheless on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract, but this of course will be without any liability to you and a refund will be offered.

We take care to ensure the Site is accurate and up to date however, all warranties (whether expressed or implied) and all liability to you in respect of the Site, its content and your use of the same are excluded to the fullest extent permitted by law.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site.

Amendment to These Conditions of Use

We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest you tale a moment to revisit them whenever you visit the Site.

If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Waiver

If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and Law

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.