Terms and conditions
1. OUR DETAILS
This site (www.extracoverinsurance.com) is operated and owned by Extracover Insurance Company Limited, trading as EICL (“we” “our” and “us”).
Extracover Insurance Company Limited is a limited company incorporated and registered in Gibraltar (company number: 118662) and a wholly owned subsidiary of Extracover Holdings Limited (company number: 11187061). Our offices are located at 1338, First Floor Grand Ocean Plaza, Ocean Village, Gibraltar.
Extracover Limited is authorised and regulated by the Gibraltar Financial Services Commission, with firm reference number 118662. This can be confirmed at www.fsc.gi.
By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree with these terms, please do not not use our site.=
2. OUR CONTACT DETAILS
You may contact us using the below methods:
Email - info@extracoverinsurance.com
3. RELATED TERMS
These terms of use refer to the following additional terms, which also apply to your use of our site:
4. THIS SITE IS ONLY FOR USERS IN THE UK
Our site, its content, and any services provided in relation to the same are only targeted to, and intended for use by, businesses and individuals residing or located in the United Kingdom and Gibraltar (the Permitted Territory). If you are not located in a Permitted Territory, then the products available via our site are not suitable for you and you must immediately discontinue use of this site and any related content and services.
5. CHANGES TO THESE TERMS/ OUR WEBSITE
We may amend these terms and/or our site from time to time to reflect changes to our products, our users’ needs, our business priorities or in line with regulatory or legal requirements. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at the time. These terms were last updated March 2023.
6. YOUR ACCOUNT DETAILS
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable your user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use or any provision of any additional terms and conditions that apply to our relationship with you.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us using either of the contact methods described above.
7. USE OF MATERIAL ON OUR SITE
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. All rights in relation to such intellectual property are reserved.
You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you copy content (physically or digitally) from any part of our site in breach of these terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have created by copying content from our site.
8. DISCLAIMERS
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. Where possible, we will try to give you reasonable notice of any suspension or withdrawal.
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
The content on our site is provided for general information only. It is not advice on which you should rely. Please obtain independent professional or specialist advice if you have any doubts about our products or the information provided on our site.
Although we make reasonable efforts to ensure that our site is up to date, we make no representations, warranties, guarantees, express or implied, that the content on our site is accurate, complete or up to date.
We are not responsible for any website that we link to. Where our site links to other sites or resources provided by third parties, these are for your ease of reference only. Such reference or link does not constitute our approval of those sites or resources or their contents.
We do not represent that content available on or through our site is appropriate for use in locations other than the Permitted Territories. By continuing to access, view or make use of this site and any related content and services, you hereby warrant and represent to us that you are located in a Permitted Territory.
9. OUR LIABILITY TO YOU
To the extent legally permissible, we shall not be liable to you (whether you are an individual or a business) for any damage of any kind, including (but not limited to) compensatory, direct, indirect, special, incidental or consequential damages whether in contract, tort (including negligence) or otherwise; loss of data, income or profit, loss of or damage to property and third party claims howsoever arising as a result of use of, or the content on our site.
We do not exclude or limit in any way our liability to you for death or personal injury caused by our negligence, or fraudulent misrepresentation, or other damage/loss that cannot be excluded or limited by UK law.
The limitations of our liability in relation to our products will vary depending on the product purchased, and these limitations are detailed in the insurance policy documentation linked to any product you purchase from us, and the additional terms and conditions linked to any App you use to manage your insurance product with us.
10. GOVERNING LAW
Please note that these terms of use, their subject matter and their formation are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except if you are an individual living in Northern Ireland or Scotland, in which case you may start any court proceedings in the courts in Northern Ireland or Scotland (whichever country is the country that you live in).