You are here: Home > Who Are We > Terms & Conditions

Terms and Conditions

By using this website you agree to abide by the Terms and Conditions given below as well as the terms of the Privacy Policy, so please read them carefully. In these conditions of use 'our', 'we', 'us' means D2 ASSOCIATES LIMITED.

The service D2 ASSOCIATES LIMITED provides you
D2 Associates Limited is determined to provide the best quality service to its customers. We commit to:-
Provide all the assistance we can, when using our services.
Do things when we say we will.
Answer your questions correctly and respond to your enquiries promptly.
Be clear, transparent and honest in our dealings with you.
Help you with information to choose, buy and manage your business insurance.
Who we are, what we do and who we work for:
D2 Associates Limited is an intermediary, between you and the insurers whose policies you buy. We endeavour to provide the best possible choice of products from a wide range of insurers on our websites. We seek to offer helpful advice on general insurance matters, but will not advise you on which particular products, services or supplier to purchase from. Responsibility for deciding whether or not to purchase any of these products or services lies entirely with you. If for some reason we are unable to offer you a quote online from one of our insurers, we will offer you the option of being referred to a partner broker who should be able to assist with finding a quote. If you take up this option we may receive an introductory commission. We strive to offer you a choice in relation to insurers, coverage and price but point out that we act as an agent of the individual insurers in relation to key areas of the buying and fulfilment process. We act as an agent of the insurer, to collect and hold premiums. As such you have additional protection in that premiums paid to D2 Associates Limited are deemed to have been paid to the insurer. When you decide to buy one of the products from D2 Associates Limited and pay for it, your coverage is bound with the insurer concerned and in this respect we also act as an agent of the insurer.
The insurance quotes you receive from this site
All initial quotes are indicative and based upon the information you provide, however, certain conditions apply which you must be able to comply with and verify. Quotes may vary once you have provided all the details required. If you fail to disclose any relevant information at the time of obtaining a quote you may invalidate your insurance policy. You must tell us about any potential claims that you are aware of and ensure that all the information you provide is accurate and not misleading. Some specialist schemes and products will be marketed using a specific brand name and websites (i.e. domains). These products may be underwritten and provided by one or more specific insurers and in these instances we will make it clear who the policies are underwritten by. In other instances D2 Associates Limited will present you with a number of competitive quotes from our panel of insurers. The quotes will be presented to you, enabling you to choose the right cover and compare prices between different insures before purchasing. Quotes will provide you with at least the level of cover you have requested, others may provide more cover than you requested. Prices quoted are for the total (gross) premium charged, include Insurance Premium Tax (IPT) and the commission that D2 Associates Limited earns from the sale. You are responsible for reading all the relevant policy documents (which is available on each website) carefully before buying any insurance policy. It is your responsibility to decide whether the product or service is suitable for your circumstances. Quotations are only valid at the time that they are given.
The insurance policies you can buy from this site
Unless stated otherwise, the minimum period of cover that you can buy with a policy displayed on the D2 Associates Limited website is 12 (twelve) months. You are obliged to keep your policy for a minimum of 3 (three) months and pay the applicable premium. Once you have selected the product you want, D2 Associates Limited will, at the point of sale, issue you with a policy on behalf of the insurer. Your policy and any related documents will be emailed to you.
You may purchase an insurance policy through D2 Associates Limited online by credit or debit card. The price you pay includes total (gross) premium, Insurance Premium Tax (IPT) and credit card charges if applicable and the commission or fees D2 Associates Limited earns from the sale. Your insurance cover and subsequent policy changes will start once your payment has been validated online. If your payment is invalidated your purchase will be incomplete and insurance cover will not be in place. If, following completion of your purchase of a policy or coverage change, your payment is rejected, we will contact you to ask you to re-submit payment. If this is unsuccessful we will cancel the policy with effect from inception of the policy or the coverage change. D2 Associates Limited may also enter into agreements with partners to enable us to offer premium financing to you.
The commission and fees that D2 Associates Limited earns
D2 Associates Limited earns a commission on each policy and change of cover that you purchase through our website. The commission rate charged varies by type of policy or scheme and insurer. D2 Associates Limited will also earn a commission on any premium financing arrangements. At times we may offer a discount, which will reduce the commissions we would have earned from the policy. Changes to your insurance cover could result in an adjustment to your premium. Where refunds are due, we will make the required payment to you within 14 (fourteen) days. Please note that any policy changes you make will incur a fee up to a maximum of £25 per change. You will be advised how much the total policy change fee is. If you would like to find out how much commission we are earning on your policy, please contact us.
Renewing your policies with D2 Associates Limited
If possible, we offer renewal terms with your existing insurance company and also the opportunity to receive alternative quotes through the D2 Associates Limited websites. We will start the renewal process at least 30 (thirty) days before the expiry date of your policy. If there have been changes to your circumstances, you will be requested to indicate what those changes are and to obtain new quotes based on your new details.
Making a claim on your insurance policy
When you have purchased your insurance cover the documentation required to make a claim will be made available to you. To make a claim under your policy you will deal directly with the insurer. D2 Associates Limited has no liability to you for the settlement of any claim under your policy, including payment of the claim. D2 Associates Limited will monitor the performance of its insurance company partners in the handling and payment of claims to its customers.
Cancelling your policy
Once your policy has started, you are obliged to pay for a minimum of 3 (three) months cover. In the event that you wish to cancel your policy, any refund amount due to you will be calculated subtracting the first three months premium, any commission earned by D2 Associates Limited, and a policy change fee of up to £25. In the event that you cancel your policy prior to its start date we will refund your payment in full. Insurers have the right to cancel policies at any time in accordance with the terms and conditions of the policy with them.
Using the D2 Associates Limited website
You agree to use the D2 Associates Limited website only for lawful purposes and to comply with any regulations, policies and procedures associated with this website. You also agree not to:-
Use this website to upload or distribute in any way files that contain viruses, bugs, corrupted files, or any other similar software or programmes that may damage its operation.

Interfere or disrupt this website or any networks connected to this website.

Use any device, software or routine in an attempt to interfere with the proper functioning of this website or any transactions being offered at this website.

Take any action that imposes an unreasonable or disproportionately large load on the D2 Associates Limited Infrastructure.

Use this website to collect or harvest personal information, including, without limitation, financial data and information about partner companies on this website.

Impersonate any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity.

Post any misleading, fraudulent, defamatory, obscene or otherwise illegal information on this website.

D2 Associates Limited reserves the right to deny you access to the website for any reason.

D2 Associates Limited reserves the right to modify or discontinue the services offered under this website at any time.

D2 Associates Limited will not be liable to you or to any third party for any modification or discontinuance of the services offered under this website.
Accessing the D2 Associates Limited website
This website and the insurance products and services offered on it are only intended for use and purchase by UK residents or companies and organisations based in the United Kingdom. If you choose to access this website from outside the UK, you do so, on your own initiative and you are responsible for compliance with any applicable local laws. If you are accessing this website from outside the UK, local legislation may not permit D2 Associates Limited to provide insurance products for you in your own country.
Communicating via the D2 Associates Limited website
You should also be aware that communications sent over the internet, such as emails, are not secure unless they have been encrypted. We can accept no responsibility for any non-delivery or corruption or loss of personal information or any communications sent over the internet.
Availability of the D2 Associates Limited website
D2 Associates Limited will not be held liable if, for any reason, the website is unavailable for any period. We cannot warrant that their website will be free of viruses or defects of any description and will not be held responsible for any technical problems you may experience as a result of using this website.
The content, product and information on the D2 Associates Limited website
The descriptions of the insurance products offered through D2 Associates Limited contained in this website are for information purposes only. The information and descriptions provided are not complete descriptions of the insurance product. Prior to purchase, the insurance policy which contains the full terms and conditions of the contract you are entering with the insurer will be made available to you. We strongly advise you to review this document. We and the organisations providing you with the services and products on this website retain the right to modify our Terms and Conditions, so you should review them each time you use this website. Any contract arising from your purchase of an insurance product displayed on our website exists between you and the insurer supplying the product unless otherwise stated. If you are in any doubt as to whether an insurance product displayed on our website is suitable for your needs or specific requirements, please seek professional advice prior to making a purchase.
Links to other websites
This website has certain links, including hypertext links, that lead you to websites or pages that are not under our control. These links are provided for your information and convenience, and the inclusion of any link does not mean that we endorse the website to which a particular link leads. We have no control over and will accept no liability or responsibility regarding the material or content on external websites. The use of these websites will be governed by their own separate Terms and Conditions and privacy policies. If you decide to access any of the third party websites linked to this website, you do so at your own risk.
Copyright & Trademarks
Copyright of all D2 Associates Limited websites belongs to D2 Associates Limited. This includes all design, text, graphics and the selection or arrangement of them, including the get-up. None of this material may be used, sold, licensed, copied or reproduced in whole or in part in any manner, or form, in any media, by any person, or entity, without our express prior written consent or that of the stated owner of that material. This website may not be used for any purpose other than: 1) purchasing, obtaining a quotation for, or obtaining information about, the insurance products displayed on our website; or 2) obtaining information about D2 Associates Limited or insurance companies referred to on our website. You can copy electronically and print hard copy portions of this website solely for the purpose of getting a quotation or buying an insurance product from D2 Associates Limited. You must not attempt to imply ownership or association with the material contained in this website unless you have agreement from us in writing first. You may print out copies of the pages in this website for private use only but must not change or edit in any way the format or content of such printed material. You must not remove any copyright or trademark information from material printed from this website. Any other use of materials on this website without our prior written permission is strictly prohibited. We have the right to prevent you from providing links to this website from external sources or including this website in part or whole within an external website.
Our Intellectual Property Rights
All information, trademarks and material including data, images, text and audio on the website, is the property of D2 Associates Limited and its licensors and is subject to copyright. You are entitled to view, copy and print any documents from the website, but only for your own use. Any sale, transmission or redistribution of the website or its content, and any copying, modification or other use of the website or its contents for any purposes other than your own use, are strictly prohibited.
Rights to the software
All software used on the website is the property of D2 Associates Limited or its software suppliers.
Regulation
D2 Associates Limited is authorised and regulated by the Financial Conduct Authority. Our FCA Reference Number is 500335 and our regulatory details can be verified by visiting the FCA�s website at www.FCA.gov.uk/register, or by telephoning the FCA on +44 (0)845 606 1234
Raising your complaint with D2 Associates Limited
At D2 Associates Limited we aim to do everything we can to ensure our customers receive the best possible service. If our service or that of any of the insurers displayed on our website fails to live up to the high standards you expect, we will do our utmost to resolve your query as quickly and fairly as possible. If you are not happy with our service, we would like to hear about it so we can take action to put things right. In the first instance, please outline your concerns by email to: david.dunning@d2associates.co.uk If you send us an email, it is important that you understand that internet emails are not necessarily secure and information could be intercepted, lost or destroyed. If you do intend to email us with details of your complaint, please do not include any financial account details or confidential information. Alternatively, you can contact us by post as below:-

David Dunning
Managing Director
The Insure Group
D2 Associates Ltd
Beeson House
26 Lintot Square
Southwater
RH13 9LA

In the unlikely event that we can not reach agreement with you we will send you a final response letter. This letter will clearly set out our position in relation to your complaint. You will also receive a leaflet explaining your referral rights to the Financial Ombudsman Service.
Online Dispute Resolution The Online Dispute Resolution (ODR) is an initiative from the European Commission for EU residents who have purchased goods or services online. If you have purchased a policy online you can submit a complaint through the ODR system. The platform will send your complaint to an Alternative Dispute Resolution (ADR) provider who will work to solve the problem. In the UK this is the Financial Ombudsman Service. The ODR platform can be accessed here CLICKING HERE
The Financial Ombudsman Service
Our aim is to resolve all complaints ourselves. However, if you are not satisfied with our suggested resolution, or if four weeks have passed since you first brought your complaint to our attention, you may have the right to refer your complaint to the Financial Ombudsman Service. If you want the Financial Ombudsman Service to look into your complaint, you must contact them within 6 (six) months of the date of any final response letter we have issued. You can write to the Financial Ombudsman Service at:-
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Alternatively, you can phone 0845 080 1800. Further helpful information can be obtained from the Financial Ombudsman website: www.financial-ombudsman.org.uk.
Financial Services Compensation Fund (FSCS)
The FSCS exists to compensate certain policyholders for losses they may incur as a result of the failure of their insurer or their intermediary. If you would like further information to determine whether you are covered by this scheme please contact the D2 Associates Limited Customer Services team or alternatively contact the FSCS directly by:

Telephone: 020 7982 7300; or Email: enquiries@fscs.org.uk; or
Write to:
Financial Services Compensation Scheme
7th floor, Lloyds Chambers
Portsoken Street
London
E1 8BN
How we use your information
We are committed to maintaining your privacy and have a legal duty under the Data Protection Act to protect any information we collect from you. In order to use the products and services offered at this website, you must provide certain current, complete, and accurate information about yourself as part of the quotation and site registration process. You will also need to maintain and update this information as required to keep the information current, complete and accurate. You warrant that the data you provide is accurate and current, and that you are authorised to provide the data. If any registration data that you provide is untrue, inaccurate, not current or incomplete, D2 Associates Limited retains the right, in its sole discretion, to suspend or terminate your account and rights to use the products and services. Registration data and certain other information about you is subject to our Privacy Policy.
Website access, usernames and passwords
To access certain online services such as D2 Associates Limited you will need to register your details. You are responsible for:-

Maintaining the confidentiality of your details and your password.

Restricting access to your computer to prevent unauthorised access to your account.

Activities that occur under your account.

Please inform us immediately if you have reason to believe your password is being used in an unauthorised manner. You must not use the website 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.
Your payment details
D2 Associates Limited takes your credit or debit card payment details for the payment of financial services/insurance only with your authorisation. D2 Associates Limited does not retain the credit or debit card details you provide to us after payment has been made. This helps reduce credit card fraud. Other than in exceptional circumstances, any refund we provide to you for any product you have purchased by credit or debit card will be made within 14 (fourteen) days.
Recording our correspondence with you
All communication with D2 Associates Limited, whether by email, instant message, telephone or otherwise may be recorded or monitored to improve our service and for security and regulatory purposes. By using the communication methods we have provided, you are consenting to the recording or monitoring of our communications with you.
Our liabilities to you
Whilst D2 Associates Limited take care to ensure that the general information (other than the product information which is the responsibility of insurers) and service information which is D2 Associates Limited responsibility, contained in this website is accurate and up to date, we make no representations or warranties whatsoever about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this website. Nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation. We are not providing any legal, accounting or other professional advice or opinion on any specific facts or matters. None of our directors, employees or agents will be liable for any damages arising out of or relating to the use of this website or the information contained therein. This is a comprehensive limitation of liability that applies to all damage 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 our negligence, or that of our directors, employees or agents. You will indemnify and hold harmless D2 Associates Limited and its shareholders, affiliates, employees, agents, successors, officers, and assigns, from any suits, losses, claims, demands, liabilities, costs and expenses (including legal and accounting fees) they sustain or incur arising from or relating to your negligent and/or illegal use of the D2 Associates Limited website and the products contained therein. This does not affect your statutory rights in respect of any products that you purchase from our website.
Our rights under the terms of our agreement with you
The rights and limitations in this agreement are for your benefit and for the benefit of D2 Associates Limited. Any person who is not a party to this agreement has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement. You are not permitted to assign any of your rights under this agreement without the prior written consent of D2 Associates Limited. You may not issue press releases or make any public statement regarding your use or participation in the website without the prior written permission of D2 Associates Limited. No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and D2 Associates Limited is intended to be or is created by this agreement.
Governing law
The laws of England and Wales govern this agreement, and you and D2 Associates Limited agree to submit to the exclusive jurisdiction of the courts of England and Wales. Any waiver of any right or provision of this agreement will be effective only if agreed in writing by D2 Associates Limited. The failure of D2 Associates Limited to exercise or enforce any term or condition shall not constitute a waiver of that term or condition. If any provision of this agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties� intentions as reflected in the provision, and the other provisions of this agreement shall remain in full force and effect.
Force Majeure
We shall not be liable to you for any breach of these Terms and Conditions or any failure to provide or delay in providing any of the products and services available through this website resulting from any event or circumstance beyond our reasonable control including, without imitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.