Terms & Conditions

1. Introduction

These terms and conditions ("Terms") govern your use of EagleSure Insurance services and website. EagleSure Insurance is a trading name of Greenlight Insurance Services Limited, established in 1996. By using our services, you agree to be bound by these Terms.

Greenlight Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Our FCA authorization number is 548036. Our permitted business is arranging general insurance contracts. This can be verified by visiting the FCA website www.fca.org.uk or contacting the FCA on 0800 111 6768.

2. Services Provided

EagleSure Insurance provides insurance broking services, including but not limited to:

• Travel insurance for individuals and groups
• International student insurance
• Expatriate insurance coverage
• Business travel insurance solutions
• Claims management and support services

We act as intermediaries between you and insurance providers to arrange suitable insurance coverage based on your specific needs and requirements.

3. Client Responsibilities

As our client, you are responsible for:

• Providing accurate and complete information when applying for insurance
• Disclosing all material facts that may affect the insurance coverage
• Paying premiums and fees in a timely manner
• Notifying us of any changes in circumstances that may affect your coverage
• Reading and understanding your insurance policy documents
• Complying with the terms and conditions of your insurance policy

4. Payment Terms

Payment for insurance premiums and our brokerage fees is due as specified in your quote or invoice. We accept various payment methods including credit cards, bank transfers, and direct debit arrangements.

If payments are not received by the due date, your insurance coverage may be cancelled or suspended. We reserve the right to charge administrative fees for late payments or payment processing.

All fees are clearly disclosed before you purchase any insurance product. Refunds are subject to the terms of your specific insurance policy and applicable cancellation conditions.

5. Policy Documentation and Communications

We will provide you with all relevant policy documentation electronically unless you specifically request physical copies. You are responsible for reviewing all documentation and confirming that the coverage meets your requirements.

All communications regarding your insurance coverage will be conducted through the contact details you provide. It is your responsibility to keep your contact information current and accessible.

Policy documents, certificates, and other important information may be delivered via email. Please ensure your email filters allow communications from our domain.

6. Claims Assistance

We provide claims support services to help you navigate the claims process with your insurance provider. However, the final decision on claim settlements rests with the insurance company, not with EagleSure Insurance.

You must notify us and your insurance provider of any potential claims as soon as reasonably possible. Failure to report claims promptly may result in reduced coverage or claim denial.

Our claims support includes assistance with documentation, communication with insurers, and guidance through the claims process. We will advocate on your behalf but cannot guarantee claim outcomes.

7. Limitation of Liability

Our liability to you is limited to the extent permitted by law and our Professional Indemnity Insurance coverage. We maintain appropriate professional indemnity insurance as required by the Financial Conduct Authority.

We are not liable for any losses arising from:

• Inaccurate or incomplete information provided by you
• Failure to disclose material facts
• Changes in your circumstances not reported to us
• Actions or decisions made by insurance providers
• Force majeure events beyond our reasonable control

8. Data Protection and Privacy

We are committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR) and other applicable data protection laws. Our Privacy Policy provides detailed information about how we collect, use, and protect your personal information.

We may share your information with insurance providers, claims handlers, and other third parties as necessary to provide our services and manage your insurance coverage.

You have rights regarding your personal data, including the right to access, correct, and delete your information. Please refer to our Privacy Policy for complete details.

9. Complaints Procedure

We are committed to providing excellent service. If you have a complaint about our services, please contact us in writing with full details of your concern.

We will acknowledge your complaint within 5 business days and provide a full response within 4 weeks. If you are not satisfied with our response, you may refer your complaint to the Financial Ombudsman Service.

Our complaints procedure is designed to resolve issues fairly and efficiently. We maintain records of all complaints for regulatory reporting purposes.

10. Regulatory Information

Greenlight Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA firm reference number is 548036. Our permitted business is arranging general insurance contracts.

You can verify our authorisation on the FCA register at www.fca.org.uk/register or by contacting the FCA Consumer Helpline on 0800 111 6768.

We are also members of relevant trade associations and comply with industry codes of conduct to ensure professional service delivery.

11. Cancellation and Refunds

You may cancel your insurance policy subject to the terms and conditions of your specific policy. Cancellation terms vary by insurance provider and product type.

Some insurance products may offer a "cooling-off" period during which you can cancel for a full refund. Details of any cooling-off period will be provided in your policy documentation.

Refunds for cancelled policies are processed according to the insurance provider's terms and conditions. Our brokerage fees may not be refundable depending on the timing of cancellation and services provided.

12. Website Terms of Use

Our website is provided for informational purposes and to facilitate insurance transactions. You agree to use our website only for lawful purposes and in accordance with these Terms.

We reserve the right to modify, suspend, or discontinue any aspect of our website at any time without notice. We are not liable for any interruptions or technical issues that may affect website availability.

All content on our website, including text, graphics, logos, and software, is our property or used with permission and is protected by copyright and other intellectual property laws.

13. Changes to Terms and Conditions

We may update these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or business practices. Updated terms will be posted on our website with the effective date.

Significant changes will be communicated to existing clients via email or other appropriate means. Your continued use of our services after changes take effect constitutes acceptance of the updated Terms.

We recommend reviewing these Terms periodically to stay informed of any updates that may affect your relationship with us.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these Terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

These Terms constitute the entire agreement between you and EagleSure Insurance regarding the use of our services, superseding any prior agreements or communications.

15. Contact Information

If you have any questions about these Terms and Conditions or need to contact us regarding your insurance coverage, please reach out through the following channels:

Our customer service team is available to assist you with any questions or concerns about these Terms or your insurance coverage.