Terms & Conditions

Conditions of Use

Please read these Conditions of Use carefully. By accessing this web site you agree to be bound by these Conditions of Use. If you do not agree do not access this site.

Content

Cigna Insurance Services (Europe) Limited (CISEL) is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, CISEL makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of CISEL howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

This web site is operated and maintained in the United Kingdom and is therefore published from a UK perspective. CISEL is not publishing the web site for use in any jurisdiction where such publication or use is unlawful.

Regulation of general insurance sales and administration

In January 2003 HM Treasury announced that the powers of the Financial Services Authority (FSA) would be extended to include the regulation of general insurance sales and administration and this came into effect on the 14th January 2005.

Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority. Our FCA number is 310671.

Our permitted business is advising, arranging, dealing in, and the administration and performance of non-investment insurance contracts.

You can check this on the FCA’s register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.

Information on this website refers to insurance products that come within the FCA regulations. The insurance products are as follows;

  • Creditor Insurance
  • Hospital Cash Plans
  • Legal Expenses insurance
  • Personal Accident Insurance
  • Travel Insurance

Access to the site

We will use reasonable efforts to make our site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these conditions.

No damage arising from use

To the fullest extent permitted by law neither CISEL nor any of its directors, employees or agents will be liable for damages arising out of or in connection with the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of CISEL, its directors, employees or agents.

Alterations

CISEL reserves the right at any time without notice to revise the contents of this site including these Conditions. Any changes to these Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Conditions.

Links to other sites

Certain links, including hypertext links, in this site will lead you to web sites or pages that are not under the control of CISEL. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links.

Copyright

All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of CISEL or other third parties. Permission is granted to copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of CISEL is strictly prohibited.

Trademarks

All trade marks, product names and company names or logos cited herein are the property of CISEL or their respective owners. No permission is given by CISEL in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

Privacy Policy

You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.

Force majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.

Applicable law

These conditions shall be governed and construed in accordance with English Law and any disputes shall fall within the exclusive jurisdiction of the English Courts. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.