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 Website Terms Of Use

Why should you read this document?
You should thoroughly read the information provided within this document. The following website terms and conditions govern your use of the Smart Cover Online (“Website”), whether as a guest or a registered user. Use of this site includes accessing, browsing or registering to use the Website www.smartcoveronline.co.uk

Your use of this website www.smartcoveronline.co.uk constitutes acceptance of these terms and conditions.

Please ensure you have also read the following:
Cookies & Similar Technologies
Privacy Notice
Disclosure Document Services & Costs

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.

Smart Cover Online is a trading style of The Protection Network Limited and is authorised and regulated by the Financial Conduct Authority – 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.

The Protection Network Limited (TPNL) is Registered in England and Wales No 11001265.
7 Bell Yard, London, WC2A 2JR
Tel: 0333 011 8300
Email: [email protected]

Using this website implies that you accept these terms and conditions. Please ensure you read them carefully and if you have any comments or questions please contact us.
We reserve the right to make changes or amendments to these terms and conditions without notice. Please ensure you regularly refer to the terms and conditions to check for updates.

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.

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 Life and iptiQ Life S.A details can be found and verified on the FCA Financial Services Register by visiting the FCA’s website:


The Firm Reference Numbers (FRN) for searching the Financial Services Register are as follows:

Smart Cover Online FRN 803469
Cignpost Life FRN 667180
iptiQ Life S.A FRN 627329

Other applicable terms
These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Customer Privacy Notice which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

Our Cookies & Similar Technologies document sets out information about the cookies on our site.

Our Disclosure Document Services & Costs sets out our services and costs and complaints process.

Site access
Our site is made available free of charge.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions and that they comply with them.

Our site is directed to people residing in the United Kingdom. We do not represent that content available on or through our site is appropriate or available in other locations. We may limit the availability of our site or any service or product described on our site to any person or geographic area at any time. If you choose to access our site from outside the United Kingdom, you do so at your own risk.

Information that you provide
You confirm that all data you have given is accurate and if you wish to correct or update the information you give us, you can do so by contacting us. Intentionally providing false or misleading information or using another person’s e-mail or personal information for the purposes of falsely obtaining any of services, may lead to termination or forfeiture of the product or services. We may terminate any services or products provided to you or others based upon your intentionally providing materially false information or acting a false identity that you have supplied to Us. Further termination details can be found in our Disclosure Document Services & Costs

Use of website

Personal use only
Our websites are for personal use by individuals only and must not be used in any way for commercial purposes.

If we consider that you are using this website for commercial purposes, we may suspend or withdraw your access immediately and, if appropriate, pursue legal action against you.

You are permitted to use our Website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

No part of this Website may be reproduced or republished without our prior written permission.

You may not access, or use the website or otherwise exploit, extract, screenshot, publish, distribute, or reproduce any part of the website and may not use bots or other electronic automatons to interact with the websites.

We may take legal action if we discover any unauthorised use or interference with access to this website, misappropriation, misuse or infringement of our content, website functionality, look or feel of the Website or interference with the identity of our Websites or taking any action to impair the goodwill of our trading style name, or other intellectual property.

Site uptime
We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to a server and other technical issues. Therefore, we will not be liable if this Website is unavailable at any time.

This Website may be temporarily unavailable due to issues such as system failure, maintenance, or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues but shall not be obliged to do so.

Visitor conduct
With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.

When using this website, you shall not post or send to or from this Website any material:

  1. for which you have not obtained all necessary consents;
  2. that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in the United Kingdom;
  3. which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.

We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of the provisions herein.

We take all reasonable steps to ensure that the information on this Website is correct. However, we do not guarantee the correctness or completeness of the material on this Website. We may make changes to the material on this Website at any time and without notice. The material on this Website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date.

The material at this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of this Website on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.

The content on our site is provided for general information only.  It is not intended to amount to advice on which you should rely.  You must obtain professional or specialist advice before taking or refraining from any action on the basis of the content on the Website. Website information does not constitute financial advice.

Exclusion of liability
Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of or inability to use, or reliance on content of our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website.

Nothing in these Terms shall exclude or limit liability for

  • death or personal injury caused by negligence (as defined by the Unfair Contract Terms Act 1977);
  • fraud;
  • misrepresentation as to a fundamental matter; or
  • any liability which cannot be excluded or limited under the law of the United Kingdom.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business or revenue.
  • Business interruption.
  • loss of anticipated savings.
  • Loss of business opportunity, goodwill or reputation

If you are a consumer user, please note that we only provide our site for domestic and private use.  You agree not to use our site for any commercial or business purposes and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of any third-party website/s or third-party service provider.

Intellectual property
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

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 print off, copy or download any part of our site in breach of these terms of use, 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 made.

Uploading content to our site
Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us [and other users of the Site] a limited licence to use, store and copy that content and to distribute and make it available to third parties.

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our site.

You are solely responsible for securing and backing up your content.

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

Third party links and resources in our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

Governing jurisdiction
These terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Using this Website implies that you accept these terms and conditions. Please ensure you read them carefully and if you have any comments or questions please contact us.

We reserve the right to make changes or amendments to these terms and conditions without notice. Please ensure you regularly refer to the terms and conditions to check for updates.