Plant Hire Insurance UK

Terms and Conditions

Effective Date: [Insert Date]

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the website planthireinsuranceuk.co.uk (“Website”) and the services provided by Serpply Ltd (“we,” “us,” or “our”). By using our Website or services, you agree to be bound by these Terms.

2. About Us

Company Information:

  • Name: Serpply Ltd
  • Trading As: planthireinsuranceuk.co.uk
  • Address: Flat 10 Portfleet Place, De Beauvoir Road, London, England, N1 5SZ
  • Company Registration: 13177118

Regulatory Status: Serpply Ltd is an Introducer Appointed Representative of [Partner]. [Partner] is authorised and regulated by the Financial Conduct Authority (FRN: [Partner FRN]). Serpply Ltd is not authorised or regulated by the Financial Conduct Authority.

3. Our Services

3.1 Service Description

We provide an introduction service connecting property owners with insurance providers for:

  • Plant hire insurance
  • Block of flats insurance
  • Shared plant hire insurance
  • Leasehold property insurance
  • Maisonette insurance

3.2 Limited Scope of Activities

As an Introducer Appointed Representative, we are limited to:

  • Introducing customers to our authorized insurance partner
  • Distributing pre-approved promotional materials
  • Providing general information about insurance types

3.3 What We Do NOT Do

We do not:

  • Provide insurance advice or recommendations
  • Arrange insurance contracts
  • Handle insurance claims
  • Collect premiums or insurance money
  • Make decisions about insurance coverage

4. Website Use

4.1 Permitted Use

You may use our Website to:

  • Access information about plant hire insurance
  • Submit inquiries about insurance services
  • Contact us for an introduction to insurance providers
  • Download informational materials

4.2 Prohibited Use

You must not:

  • Use the Website for any unlawful purpose
  • Submit false or misleading information
  • Attempt to gain unauthorized access to any part of the Website
  • Use automated systems to access the Website without permission
  • Copy, reproduce, or distribute Website content without authorization
  • Use the Website in any way that could damage our reputation or that of our partners

4.3 Website Availability

We aim to keep the Website available 24/7, but we cannot guarantee uninterrupted access. We may suspend or restrict access for maintenance, updates, or other operational reasons.

5. Information and Content

5.1 General Information Only

All information on our Website is:

  • For general guidance purposes only
  • Not personal advice or recommendations
  • Subject to change without notice
  • Not guaranteed to be complete, accurate, or up-to-date

5.2 No Advice Given

The information provided does not constitute:

  • Insurance advice or recommendations
  • Legal or professional advice
  • Specific guidance for your circumstances
  • An invitation to enter into any contract

5.3 Professional Advice Recommended

You should always:

  • Seek professional insurance advice specific to your needs
  • Read all insurance documentation carefully
  • Understand the terms and conditions of any insurance policy
  • Consider multiple insurance options before making decisions

6. Introduction Service

6.1 How Our Service Works

When you submit an inquiry:

  1. We collect your basic information and requirements
  2. We pass your details to our authorized insurance partner
  3. Our partner contacts you directly to discuss your needs
  4. All subsequent insurance arrangements are handled by our partner

6.2 No Guarantee of Coverage

We cannot guarantee that:

  • You will be offered insurance coverage
  • Any particular terms or premiums will be available
  • Coverage will meet your specific requirements
  • Claims will be accepted by insurers

6.3 Your Responsibilities

You must:

  • Provide accurate and complete information
  • Respond promptly to requests from insurance providers
  • Review all insurance documentation carefully
  • Maintain appropriate insurance coverage for your property

7. Fees and Charges

7.1 No Direct Charges

We do not charge you directly for our introduction service.

7.2 Partner Compensation

We may receive compensation from our insurance partner for successful introductions. This does not affect the cost of insurance to you.

7.3 Insurance Costs

All insurance premiums and charges are:

  • Set by the insurance provider
  • Subject to their terms and conditions
  • Payable directly to the insurance provider
  • Not controlled or guaranteed by us

8. Data Protection and Privacy

8.1 Privacy Policy

Our collection and use of personal data is governed by our Privacy Policy, which forms part of these Terms.

8.2 Data Sharing

By using our service, you consent to us sharing your information with our authorized insurance partner to obtain insurance quotes and services.

8.3 Third Party Processing

Our insurance partners will process your data according to their own privacy policies and data protection obligations.

9. Intellectual Property

9.1 Our Rights

All content on the Website, including text, graphics, logos, and software, is owned by us or our licensors and is protected by copyright and other intellectual property laws.

9.2 Limited License

We grant you a limited, non-exclusive license to access and use the Website for personal, non-commercial purposes only.

9.3 Restrictions

You may not:

  • Copy, modify, or distribute Website content without permission
  • Use our trademarks or branding without authorization
  • Create derivative works based on our content
  • Remove or alter copyright notices

10. Third Party Links and Content

10.1 External Links

Our Website may contain links to third-party websites. We are not responsible for:

  • The content of external websites
  • The privacy practices of third parties
  • The accuracy of information on external sites
  • Any transactions conducted through external links

10.2 Third Party Services

Insurance services are provided by our authorized partner. We are not responsible for:

  • The quality of insurance services provided
  • Insurance policy terms and conditions
  • Claims handling procedures
  • Customer service provided by insurers

11. Disclaimers and Limitations

11.1 Website Disclaimer

The Website is provided “as is” without warranties of any kind, either express or implied, including but not limited to:

  • Accuracy or completeness of information
  • Uninterrupted or error-free operation
  • Freedom from viruses or harmful components
  • Fitness for any particular purpose

11.2 Limitation of Liability

To the maximum extent permitted by law, we exclude all liability for:

  • Any direct, indirect, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages arising from the use of the Website or our services
  • Actions or omissions of third-party insurance providers

11.3 Maximum Liability

Where liability cannot be excluded by law, our total liability is limited to £100 or the amount of any fees paid to us, whichever is lower.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

  • Your use of the Website
  • Your breach of these Terms
  • Your violation of any laws or third-party rights
  • Inaccurate information provided by you

13. Termination

13.1 Termination by Us

We may terminate or suspend your access to the Website immediately if you:

  • Breach these Terms
  • Use the Website for unlawful purposes
  • Provide false or misleading information
  • Engage in conduct that could harm our reputation

13.2 Effect of Termination

Upon termination:

  • Your right to use the Website ceases immediately
  • We may delete your account and data
  • Outstanding obligations under these Terms continue
  • Disclaimers and limitations of liability survive

14. Changes to Terms

14.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective when posted on the Website.

14.2 Notification

We will notify you of significant changes by:

  • Posting notice on the Website
  • Sending email notification (if we have your email address)
  • Updating the “Effective Date” at the top of these Terms

14.3 Continued Use

Your continued use of the Website after changes constitutes acceptance of the modified Terms.

15. Complaints and Disputes

15.1 Complaints Procedure

If you have a complaint about our service:

  1. Contact us directly using the details in Section 17
  2. We will acknowledge your complaint within 5 business days
  3. We will investigate and respond within 15 business days
  4. If unresolved, you may refer the matter to the relevant authorities

15.2 Insurance Complaints

Complaints about insurance services should be directed to:

  • Your insurance provider in the first instance
  • The Financial Ombudsman Service if unresolved
  • We can provide guidance on the appropriate complaints procedure

15.3 Regulatory Complaints

Complaints about our conduct as an Introducer Appointed Representative may be referred to:

  • Our principal firm [Partner]
  • The Financial Conduct Authority
  • The Financial Ombudsman Service

16. General Provisions

16.1 Governing Law

These Terms are governed by English law and are subject to the exclusive jurisdiction of the English courts.

16.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding use of the Website.

16.3 Severability

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

16.4 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

16.5 Assignment

You may not assign your rights under these Terms. We may assign our rights and obligations to any third party.

17. Contact Information

For questions about these Terms or our services, please contact us:

Serpply Ltd
 Flat 10 Portfleet Place
De Beauvoir Road
London, England, N1 5SZ
Email: [Your Email]
Phone: [Your Phone Number]
Website: planthireinsuranceuk.co.uk

Business Hours: [Your Business Hours]

18. Regulatory Information

18.1 FCA Status

[Partner] is authorised and regulated by the Financial Conduct Authority. You can verify this on the FCA Register at www.fca.org.uk/register.

18.2 Professional Indemnity Insurance

Our principal firm maintains professional indemnity insurance as required by FCA regulations.

18.3 Compensation Scheme

Eligible customers may be entitled to compensation from the Financial Services Compensation Scheme if our principal firm cannot meet its obligations.

Last Updated: [Date]

These Terms and Conditions are effective from the date shown above. Please review these Terms regularly as they may be updated from time to time.