ÍøÆغÚÁÏ

ÍøÆغÚÁÏ EU S.à r.l., UK Branch ("ÍøÆغÚÁÏ," "AEU," "we," "us," or "our") and participating third-party insurance firms ("Insurers") offer you the ability to obtain quotes for, compare, and purchase, certain insurance products (each, an "Insurance Policy") on the ÍøÆغÚÁÏ.co.uk website (collectively, the "ÍøÆغÚÁÏ Insurance Store"). If you choose to request a quote for an Insurance Policy (each, a "Policy Quote"), you accept the following terms and conditions ("Terms & Conditions"). Please read them carefully. Please also see our Privacy Notice, our Cookies Notice and our Interest-Based Ads Notice to understand how we collect and process your personal information.

AMAZON INSURANCE STORE SERVICES

Policy Quotes

In order to request a Policy Quote, you will first need to answer a few basic questions that will determine whether you meet the Insurers' basic qualifications for Policy Quotes. We'll let you know if you do not meet Insurers' qualifications due to your answer to any of these questions, in which case you won't be able to submit a request for Policy Quotes in the ÍøÆغÚÁÏ Insurance Store.

After confirming Insurers' basic qualifications, you will need to complete the Policy Quote questionnaire by providing the personal information requested, in order for Insurers to determine whether they will issue you a Policy Quote. You must get permission from any other people whose details you use in requesting a Policy Quote, before you provide us with any of their information. By submitting another person's information in the ÍøÆغÚÁÏ Insurance Store, you are confirming to us that you have their permission to do so, and that they understand their information will be used in accordance with these Terms & Conditions and our Privacy Notice.

You must ensure that all information that you provide in the Policy Quote questionnaire is accurate. Any false or inaccurate information may result in (a) the Insurer's termination of your Insurance Policy, (b) the Insurer's denial of claims under your Insurance Policy, or (c) your having to pay additional premiums to reflect any increased risk, as determined by the Insurer. As such, you should check the information in the questionnaire before submitting.

Insurers are exclusively responsible for underwriting the Insurance Policies. We do not decide whether you will receive a Policy Quote, nor do we guarantee that you will receive a Policy Quote. We also do not determine pricing for Policy Quotes. Policy Quotes are valid only for the time period specified in the Policy Quote details, which are determined by the Insurers. If an Insurer chooses to offer you the option to pay for your Insurance Policy in monthly installments, they will include monthly pricing and terms in their Policy Quote. More information about monthly installment payments can be found in these Terms & Conditions under the heading "Monthly Payment Option".

Policy Comparison & ÍøÆغÚÁÏ Standard of Cover

The ÍøÆغÚÁÏ Insurance Store allows you to compare your Policy Quotes, and also to see where an Insurance Policy provides coverage that is better than the ÍøÆغÚÁÏ Standard of Cover. If an Insurance Policy provides coverage that is better than the ÍøÆغÚÁÏ Standard of Cover, you will see this highlighted on the Policy Quote comparison page. While the ÍøÆغÚÁÏ Standard of Cover is intended to give you confidence that the Insurance Policies available for sale in the ÍøÆغÚÁÏ Insurance Store provide cover for some of the most commonly experienced losses, you are responsible for determining whether an Insurance Policy is appropriate for your needs and circumstances. As such, you should carefully read the Insurance Product Information Document (IPID), policy booklet, and other documentation for each Insurance Policy prior to making a purchase. Insurers are exclusively responsible for determining the terms and conditions included in such documents.

When available, we will let you know the claims approval rate for each Insurer from whom you receive a Policy Quote. The claims approval rate represents the average number of policyholder claims that the applicable Insurer approves out of the total number of policyholder claims that the Insurer receives. The claims approval rate pertains only to policyholder claims filed under the Insurance Policy being offered by the applicable Insurer in the ÍøÆغÚÁÏ Insurance Store, and is one among many factors that you may consider when choosing which Insurance Policy may be right for your needs.

Policy Purchase

If you choose to purchase an Insurance Policy, you will complete the purchase within the ÍøÆغÚÁÏ Insurance Store without being redirected to the applicable Insurer's website. If you wish to purchase an Insurance Policy, select the applicable Policy Quote on the Policy Quote comparison page, provide the information requested on the checkout page such as payment method and marketing and contact preferences, and proceed to the "Pay through ÍøÆغÚÁÏ" button. We collect your marketing and contact preferences on the Insurer's behalf. Such preferences, in addition to your selected payment method, will apply only to the Insurance Policy being purchased and will not affect any preferences you have previously selected in your ÍøÆغÚÁÏ account. When you click the "Pay through ÍøÆغÚÁÏ" button, your initial premium payment will be processed by APUK as described in these Terms & Conditions under the heading "Payment Processing by ÍøÆغÚÁÏ," and if payment is successful, your order will be forwarded to your selected Insurer in order for them to issue your Insurance Policy. Upon issuance of the Insurance Policy, we will display a confirmation page on the ÍøÆغÚÁÏ Insurance Store confirming your purchase and providing your Insurance Policy identification number and other pertinent details provided by your Insurer. After purchase, your selected Insurer will send your Insurance Policy documentation using the communication method you selected during checkout. Please check this documentation to confirm it is accurate. If any corrections are needed, you must contact the applicable Insurer.

Monthly Payment Option

The premium for each Insurance Policy available in the ÍøÆغÚÁÏ Insurance Store can be paid for on an annual basis. Certain Insurers may also offer you the option to pay for the premium in monthly installments (the "Monthly Payment Option"). Insurers are exclusively responsible for determining whether to offer you a Monthly Payment Option, in addition to the pricing and other terms and conditions of the Monthly Payment Option. We are responsible for displaying the Monthly Payment Option to you if the applicable Insurer makes it available. You may or may not receive a Policy Quote that may be purchased with a Monthly Payment Option. If a Monthly Payment Option is available for a Policy Quote and you wish to enroll, you will need to select such Monthly Payment Option and agree to the terms and conditions of the applicable Insurer's subscription, credit, or other applicable agreement (the "Monthly Payment Agreement") prior to making your purchase. Insurers or their lending partners, as applicable, are exclusively responsible for determining the terms and conditions included in such Monthly Payment Agreement.

Payment Processing by ÍøÆغÚÁÏ

If you choose to purchase an Insurance Policy in the ÍøÆغÚÁÏ Insurance Store, you will be asked to select, prior to submitting your order, whether you wish to pay for your Insurance Policy on an annual basis or, if the Monthly Payment Option is available, in monthly installments.

If you select to pay in monthly installments, your payment will be taken using a continuous payment authority (CPA). A CPA allows monthly payments to be taken without further action from you. Your Insurer is required to tell you about how they will use any CPA, and further details about how a CPA will work for your Insurance Policy can be found in the applicable Monthly Payment Agreement.

Our affiliate, ÍøÆغÚÁÏ Payments UK Ltd. ("APUK"), will process your first premium payment when you submit your order in the ÍøÆغÚÁÏ Insurance Store. When checking out, you may enroll in the automatic renewal feature, by which your selected payment method will be automatically charged for future premium payments when due. If you do not enroll in the automatic renewal feature, future premium payments must be made with your Insurer by either (1) paying your Insurer directly, or (2) paying with the payment method that you selected when you purchased your Insurance Policy in the ÍøÆغÚÁÏ Insurance Store.

The Insurer is solely responsible for determining the amounts you owe in connection with your Insurance Policy (inclusive of taxes and fees), and when such amounts are due to be paid. All payments processed by APUK are processed on the applicable Insurer's behalf, and we will not be responsible for an Insurer's cancellation of (or other lapse in coverage under) your Insurance Policy as a result of your selected payment method being declined or otherwise failing to process successfully.

If you have any questions regarding the amount of a charge, please contact the applicable Insurer.

Your Insurance Page

After purchasing an Insurance Policy in the ÍøÆغÚÁÏ Insurance Store, you will have access to the Your Insurance page in your ÍøÆغÚÁÏ account, where you can access information regarding your Insurance Policy and change your selected payment method for future premium payments under your Insurance Policy. If you or your Insurer make any adjustment to your Insurance Policy after your purchase, there may be a delay before such adjustment is reflected on the Your Insurance page.

Policy Renewal

When your Insurance Policy is coming up for renewal, we will display a notice on the Your Insurance page informing you of your Insurer's renewal offer, if any. Insurers are exclusively responsible for issuing renewal offers, and you may or may not receive one. We are not involved in the Insurers' decision to offer you a renewal offer or the applicable pricing.

If you previously enrolled in the automatic renewal feature-which you may do at the time of purchase or any other time during the term of your policy- your Insurance Policy will automatically renew each year, subject to your continued payment of applicable premiums. If you have not previously enrolled in the automatic renewal feature, then you must contact your Insurer directly to complete the renewal of your Insurance Policy and avoid any lapse in cover.

In order to opt-out of the automatic renewal feature, you must contact your Insurer.

After your Insurance Policy is renewed, your Insurer will send your updated Insurance Policy documentation in accordance with the communication preferences you previously selected. Please check this documentation to confirm it is accurate. If any corrections are needed, you must contact the applicable Insurer.

AMAZON'S ROLE

We allow third party Insurers to list and sell their Insurance Policies in the ÍøÆغÚÁÏ Insurance Store. We do not work exclusively with any Insurer. You can find the names of all of the Insurers whose policies are available on the ÍøÆغÚÁÏ Insurance Store here. For each Insurance Policy purchased through the ÍøÆغÚÁÏ Insurance Store, we receive a commission from the Insurer which is a percentage of the Insurance Policy premium, inclusive of taxes and fees assessed by the Insurer. You do not pay us any fees for our service to you.

We provide information regarding the Insurance Policies available for sale in the ÍøÆغÚÁÏ Insurance Store. We do not provide financial or other advice or personal recommendations with respect to Insurance Policies. Only the Insurers can answer questions about the coverage terms of any particular Insurance Policy.

We are acting on your behalf when facilitating insurance arrangements in the ÍøÆغÚÁÏ Insurance Store. While we act as an insurance intermediary and if applicable, credit broker in facilitating transactions in the ÍøÆغÚÁÏ Insurance Store, the Insurance Policy (and, if applicable, the Monthly Payment Agreement) is solely between you, the Insurer, and the Insurer's affiliates or service providers, as applicable. We are not a party to the Insurance Policy or (if applicable) the Monthly Payment Agreement, nor are we responsible for the contents of either agreement. The Insurer is solely responsible for the design, issuance, and administration of the Insurance Policy and (if applicable) Monthly Payment Option and for dealing with any issue arising out of or in connection with the Insurance Policy or (if applicable) the Monthly Payment Option, including Insurance Policy adjustments, cancellations, and policyholder claims. We do not decide whether any claim filed under an Insurance Policy will be approved.

We will answer any questions you may have regarding the process for obtaining Policy Quotes or purchasing an Insurance Policy in the ÍøÆغÚÁÏ Insurance Store. For any questions relating to Insurance Policy terms, coverage, and administration, including claims, please contact the applicable Insurer.

OUR REGULATORY PERMISSIONS AND CONTACT DETAILS

AEU is an insurance intermediary and a credit broker authorized and regulated by the Financial Conduct Authority ("FCA"). AEU is included in the FCA's Financial Services Register under firm reference number 746485, and its registered office is located at 1 Principal Place, Worship Street, London, EC2A 2FA.

APUK is an authorized payment service institution authorized and regulated by the FCA. It is included in the FCA's Financial Services Register under firm reference number 799814. Its registered office is located at 1 Principal Place, Worship Street, London, EC2A 2FA.

AEU does not have any direct or indirect holdings of 10% or more in any Insurer, nor does any Insurer have such holdings in AEU. AEU is not under a contractual obligation to conduct insurance distribution exclusively with one or more Insurers.

You can view the FCA's Financial Services Register here.

COMPLAINTS

If you wish to make a complaint about AEU's insurance intermediary or credit broking services, you can make a complaint by contacting us through the Customer Services portal (select "Something Else" and then select "ÍøÆغÚÁÏ Insurance Store"). If you wish to make a complaint about APUK's payment processing services, you can make a complaint through the .

If you are unhappy with any response to a complaint, you may within six months of AEU or APUK's final decision refer your complaint to the Financial Ombudsman Service, Exchange Tower, London E14 9SR or telephone 0800 023 4567 or email complaint.info@financial-ombudsman.org.uk. For more information visit: www.financial-ombudsman.org.uk. The Financial Ombudsman Service is a free service set up to help resolve individual disputes between customers and businesses providing financial services in the UK.

If you are unhappy with an Insurance Policy purchased in the ÍøÆغÚÁÏ Insurance Store or have a complaint about an Insurer, you should address the issue with the applicable Insurer directly.

APPLICABLE LAW

These Terms & Conditions are governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg, and the application of the United Nations Convention of Contracts for the International Sale of Goods is expressly excluded. If you are a consumer and have your habitual residence in the UK, you additionally enjoy the protection afforded to you by mandatory provisions of UK law. We both agree to submit to the non-exclusive jurisdiction of the courts of London, England, which means that you may bring a claim to enforce your consumer protection rights in connection with these Terms & Conditions in London or in the country in which you live.

MODIFICATIONS

We reserve the right to make changes to the ÍøÆغÚÁÏ Insurance Store, including these Terms & Conditions, at any time in our sole discretion by posting the revised terms at the ÍøÆغÚÁÏ Insurance Store. Your continued use of the ÍøÆغÚÁÏ Insurance Store after the effective date of the revised terms constitute your acceptance of such revised terms. If any of these Terms & Conditions is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severable and will not affect the validity and enforceability of any remaining condition.

ELECTRONIC COMMUNICATION

By shopping for an Insurance Policy in the ÍøÆغÚÁÏ Insurance Store, you are agreeing to receive information and be contacted by Insurers electronically.

Information about the Insurers and the Insurance Policies available on the ÍøÆغÚÁÏ Insurance Store can be found by navigating to individual Insurer's profile pages from the ÍøÆغÚÁÏ Insurance Store home page. Information about us and the services we provide you can be found in these Terms & Conditions, including under the headings "ÍøÆغÚÁÏ's Role" and "Our Regulatory Permissions and Contact Details".