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 Disclosure Document Services & Costs

Why should you read this document?
We ask that you read this document carefully as is details who we are,  the disclosure of our services, costs and other required regulatory information.

Please ensure you have also read the following:
Privacy Notice
Cookies & Similar Technologies
Website Terms Of Use

Your Personal Data
During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation, and in some cases your health and family health history (Your Personal Data). Our Customer Privacy Notice document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data. We ask that you read this Privacy Notice carefully.

The Financial Conduct Authority
Smart Cover Online is a trading style of The Protection Network Limited. The Protection Network Limited is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register Our Financial Services Register number is 803469

Our Services
For Non-investment protection contracts we are an intermediary and will act on your behalf when providing guidance, advice, or making our personal recommendation(s) to you. We will do this based on a limited analysis of insurers for term assurance, income protection, critical illness.

For general insurance contracts we are an intermediary and will act on your behalf when providing guidance, advice, or recommending an insurer based on your demands and needs from a limited analysis of the market. The insurers we consider will be listed to you when we carry out our research. It will be your responsibility to ensure the policy meets your demands and needs for building and/or contents, private medical insurance, accident sickness and unemployment.

The Costs of our Service
We do not charge a fee for our services; we will receive any commission paid by the provider for arranging your after the policy has been placed on risk.

Our Ethical Policy
We are committed to providing the highest standard of advice, guidance, recommendations, and service possible. The interest of our customers is paramount to us and to achieve this we have designed our systems and procedures to place you at the heart of our business. In doing so, we will:

  • Be open, honest and transparent in the way we deal with you.
  • Not place our interests above yours.
  • Communicate clearly, promptly and without jargon
  • Seek your views and perception of our dealings with you to ensure it meets your expectations or to identify any improvements required.

If you wish to register a complaint, please write to:

Simon Edmondson, 7 Bell Yard, London WC2A 2JR

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk  or by contacting them on 0800 023 4567.

Call Recording
For our joint protection, we may record telephone calls.

Using Our Websites
www.smartcoveronline.co.uk & www.tpnl.co.uk

Using any of these Websites implies that you accept the associated terms and conditions. Please ensure you carefully read the  Website Terms and Conditions, our Customer Privacy Notice and any other associated documentation within the websites, if you have any comments or questions please contact us.

Online Sales
For policies purchased using our website www.smartcoveronline.co.uk we do not offer advice or make any recommendations and we will just provide you with information. You are responsible for ensuring that the product(s) meets your demands and needs.

You agree when using www.smartcoveronline.co.uk that your details you submit are honest and to the best of your knowledge true. If you do not answer the questions that are presented by an insurance provider correctly then your policy may be cancelled, or your claims rejected or not fully paid.

There may be instances where you cannot purchase online, and you will then be contacted by telephone to discuss this further.

When using www.smartcoveronline.co.uk you agree that for any products purchased online your details will be transferred to Cignpost Life, and if you purchase cover through Cignpost Life the policy is administered and underwritten by iptiQ Life S.A. authorised by Le Commissariat aux Assurances in Luxembourg.

You will be transferred securely to Cignpost Life who will take the details of your chosen monthly direct debit. SSL security and encryption are used, information you send or get through the site is private; this is shown by the padlock symbol clearly displayed at the left-hand side of the website address bar. The padlock symbol lets you know how safe it is to visit and use a site.

SSL is the standard security technology for establishing an encrypted link between a web server and a browser. This link ensures that all data passed between the web server and browser remain private.

Smart Cover Online, Cignpost and iptiQ Life S.A details can be found and verified on the FCA Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register

We prefer our clients to give us instructions in writing, to aid clarification and avoid future misunderstandings. We will, however, accept oral instructions provided they are confirmed in writing. 

Information submitted to the Provider
You confirm that you will take care to ensure that all the answers given are honest and to the best of your knowledge true. If you do not answer the questions that are presented by an insurance provider correctly then your policy may be cancelled, or your claims rejected or not fully paid. The answers and information you give when seeking new insurance, amending or renewing an existing policy might influence the insurer in deciding whether or not to accept the risk, and what the terms of the policy should be or what premium to charge.

Changes to your policy
You should notify us immediately of any changes in the details upon which your insurance was arranged. (eg: change of address or occupation, health or life-style changes, taking up smoking, taking drugs, being diagnosed with an illness).

It is our policy to deal with your spouse or partner who calls us on your behalf, provided we have your consent, or they are named on the policy. If you would like someone else to deal with your policy on your behalf on a regular basis, please let us know in writing. If at any time you would prefer us to deal only with you, please let us know in writing.

Cancellation rights
Certain protection and insurance contracts allow you the right to cancel after a contract has been put in force. Prior to you entering into a contract of protection or insurance we will provide you with specific details should this apply to include: its duration; conditions, practical instructions and any costs for exercising it, together with the consequences of not exercising it.

Missed payments on any policy
Where you do not maintain direct debit payments or other instalment payments, the Insurer(s) have the right to cancel your insurance policy and void any claims.

Client Verification
We may be required to verify the identity of our clients, to obtain information as to the purpose and nature of the business which we conduct on their behalf, and to ensure that the information we hold is up to date. For this purpose, we may use electronic identity verification systems and we may conduct these checks from time to time throughout our relationship, not just at the beginning.

Compensation Scheme
If you make a complaint and we are unable to meet our liabilities, you may be entitled to compensation from the Financial Services Compensation Scheme.

Further information about the limits applicable to the different product types is available from the FSCS at http://www.fscs.org.uk/what-we-cover/products

This agreement is governed and shall be construed in accordance with the Law of England and the parties shall submit to the exclusive jurisdiction of the English Courts.

Force Majeure
The Protection Network Limited, or Smart Cover Online shall not be in breach of this Agreement and shall not incur any liability to you if there is any failure to perform its duties due to any circumstances reasonably beyond its control.

The authority to act on your behalf may be terminated at any time without penalty by either party giving 7 days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date.

This is our standard agreement upon which we intend to rely.  For your own benefit and protection, you should read the terms carefully before proceeding.  If you do not understand any of these, please ask for further information.