Please read the following section carefully as it contains the conditions of use governing your use of the Direct Line website pages at www.directline.com and www.directlineforbusiness.co.uk (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 you make of any Direct Line product or service. By using this Site you hereby agree to these conditions of use in force at that time.
Companies operating on the site
The Site is operated by U K Insurance Limited on behalf of the Direct Line Brand.
Please note that if you need advice on financial or investment decisions you should approach a financial adviser.
U K Insurance Limited
The Direct Line insurance products advertised on the Site are underwritten by U K Insurance Limited (“UKI”). In the case of life insurance, customers are introduced by U K Insurance Business Solutions Limited and the products provided by AIG Life Limited.
UKI is a member of the Creditor Insurance Anti‐Fraud Register and exchanges all claims information with other participating insurers.
UKI is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It is entered in the Financial Services Register number 202810. The Financial Services Register can be accessed through http://www.fca.org.uk/. UKI is registered in England under company number 1179980.
By entering into a contract of insurance you will take on certain obligations and grant certain powers to DLI. Nothing contained in any insurance policy terms affects your statutory rights as a consumer.
U K Insurance Business Solutions Limited
U K Insurance Business Solutions Limited is an authorised insurance intermediary.
U K Insurance Business Solutions Limited is authorised and regulated by the Financial Conduct Authority. It is entered in the Financial Services Register with registered number 313783. The Financial Services register can be accessed at http://www.fca.org.uk/. U K Insurance Business Solutions Limited is registered in England under company number 05196274
Mortgages, Personal Loans and Savings
Existing Direct Line mortgages, personal loans and savings are provided by The Royal Bank of Scotland plc.
The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Bank is entered in the Financial Services Register and its Register number is 121882. The FCA’s Register can be accessed at http://www.fca.org.uk/. The Bank’s Registered VAT number is 243852752.
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 suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.
Use of personal information
Images, logos, names and trademarks on the Site are proprietary marks of Direct Line and/or any applicable relevant third party. 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
We are 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 or service 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 the schedule of cover, policy documents and/or conditions of purchase issued to you.
If you apply for any product or service 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 of service terms and conditions, the latter shall prevail.
You must ensure that the details you give to us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit or debit card you are using must be your own and not in anyone else’s name.
We aim to provide you with a first class online service. However, there may be times when you feel that we have not done so. If this is the case, we would rather be told about it so that we can do our best to solve the problem. If you have a complaint then please contact us and we will make sure that your complaint is considered immediately.
If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Service (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your right to take subsequent legal proceedings. Their address is:
The Financial Ombudsman
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
European Online Dispute Resolution platform
The European Commission has launched the European Online Dispute Resolution platform (ODR platform). The ODR platform is a website which helps customers who’ve bought something online in the EU if a dispute arises.
The platform will send your complaint to a certified Alternative Dispute Resolution Provider who works to solve the problem. In the UK that would be the UK Financial Ombudsman Service. The ODR can also offer translation services if your complaint is with a company in a different country.
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.
Certain links on the Site will lead you to websites that are under the control of other companies. These sites are operated on a local basis and may be subject to laws and/or regulation other than the UK. Please consult the conditions of use and privacy statement on those websites for further details on use of those websites.
Site access and password usage
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.
To obtain access to certain online services you are given the opportunity to register with us through “My Dashboard”. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner.
You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.
Credit card transactions
We retain the credit card details you provide to us after payment has been made. This assists in reducing credit card fraud. 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.
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.
The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.
Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.
While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.
We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:
- economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
- loss of goodwill or reputation;
- special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.
Access to and use of this website is at the user’s own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.
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 of 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 that you check them whenever you visit the Site. The last update was made in December 2003.
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.
Monitoring of telephone calls and emails
Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.
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.