Terms & Conditions

  1. Introduction

These terms of use govern your use of our website; by using our website, you accept these terms of use in full. If you disagree with these terms of use or any part of these terms of use, you must not use our website.


  1. Licence to use website

Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Subject to the licence below, all these intellectual property rights are reserved.


You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms of use.


You must not:


republish material from this website (including republication on another website);

sell, rent or sub-license material from the website;

show any material from the website in public;

reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;

edit or otherwise modify any material on the website; or

redistribute material from this website [except for content specifically and expressly made available for redistribution [(such as our newsletter)].]


  1. Acceptable use

You must not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.


You must not use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.


You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website without our express written consent.


You must not use our website to transmit or send unsolicited commercial communications.


You must not use our website for any purposes related to marketing without our express written consent.


  1. Restricted access

Access to certain areas of our website is restricted. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.


If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.


We may disable your user ID and password in our sole discretion without notice or explanation.


  1. User generated content

In these terms of use, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to our website, for whatever purpose.


You grant to us a worldwide, irrevocable, non-exclusive, royalty-free licence to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to us the right to sub-license these rights, and the right to bring an action for infringement of these rights.


Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).


You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.


We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website.


  1. Limited warranties

We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date.


To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).


  1. Limitations and exclusions of liability

Nothing in these terms of use will:


limit or exclude our or your liability for death or personal injury resulting from negligence;


limit or exclude our or your liability for fraud or fraudulent misrepresentation;


limit any of our or your liabilities in any way that is not permitted under applicable law; or


exclude any of our or your liabilities that may not be excluded under applicable law.


The limitations and exclusions of liability set out in this Section and elsewhere in these terms of use:


are subject to the preceding paragraph; and


govern all liabilities arising under the terms of use or in relation to the subject matter of the terms of use, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.


To the extent that the website and the information and services on the website are provided free-of-charge, we will not be liable for any loss or damage of any nature.


We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.


We will not be liable to you in respect of any business losses, including (without limitation) loss of or damage to profits, income, revenue, use, production, anticipated savings, business, contracts, commercial opportunities or goodwill.


We will not be liable to you in respect of any loss or corruption of any data, database or software.


We will not be liable to you in respect of any special, indirect or consequential loss or damage.


  1. Indemnity

You hereby indemnify us and undertake to keep us indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to a third party in settlement of a claim or dispute on the advice of our legal advisers) incurred or suffered by us arising out of any breach by you of any provision of these terms of use[, or arising out of any claim that you have breached any provision of these terms of use].


  1. Breaches of these terms of use

Without prejudice to our other rights under these terms of use, if you breach these terms of use in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.


  1. Variation

We may revise these terms of use from time-to-time. Revised terms of use will apply to the use of our website from the date of the publication of the revised terms of use on our website. Please check this page regularly to ensure you are familiar with the current version.


  1. Assignment

We may transfer, sub-contract or otherwise deal with our rights and/or obligations under these terms of use without notifying you or obtaining your consent.


You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms of use.


  1. Severability

If a provision of these terms of use is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.


  1. Exclusion of third party rights

These terms of use are for the benefit of you and us, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these terms of use is not subject to the consent of any third party.


  1. Entire agreement

These terms of use together with our privacy policy, constitute the entire agreement between you and us in relation to your use of our website, and supersede all previous agreements in respect of your use of this website.


  1. Law and jurisdiction

These terms of use will be governed by and construed in accordance with English10 law, and any disputes relating to these terms of use will be subject to the [non-]exclusive11 jurisdiction of the courts of England and Wales.


  1. Registrations and authorisations

[We are registered with the Financial Conduct Authority. You can find the online version of the register at www.fsa.gov.uk/register/. Our registration number is 595853


  1. Our details & Terms of Business Agreement.


About Us

IPG Retail Limited, B1 Custom House, The Waterfront, Level Street, Brierley Hill. DY5 1XH. Company No: 08365919. IPG Retail Limited are authorised and regulated by the Financial Conduct Authority (FCA).


Our FCA number is 595853.  You can check these details by visiting the FCA website https://www.fca.org.uk/register or by contacting the FCA on 0800 111 6768 (freephone) or 0300 500 8082 from the UK.



Whose Products do we offer?

We offer a range of insurance products under the terms of binding authority agreements from a limited range of insurers.  A list of insurers can be provided upon request.

Which service will we provide you?

In choosing a product from IPG Retail you will not be offered any personal recommendation.


What will you have to pay for our services?

We receive a commission (which can be advised upon request) from our insurers for our services as well as charging an administration fee.


How to Cancel

You may have a statutory right to cancel this insurance.  Please refer to your policy summary or your policy document for further details.


Fees and Charges

If you instruct us to carry out a mid-term adjustment or cancellation on your behalf we will charge up to £30.00 per adjustment. Duplicate documents will be charged at £20.00.   No refund of premium will be given if the amount of refund is under £10.00.



It is our intention to provide a high level of service at all times.  However if you have reason to make a complaint about our service you should contact the managing director at the above address.

You may be entitled to refer it subsequently to the Financial Ombudsman Service.

Some clients are able to take unresolved complaints to the Financial Ombudsman Service (FOS).

You can contact FOS using the various methods below and we have provided a brief guide to their service here and a link to their website here.

By phone Monday to Friday – 8am to 8pm and Saturday – 9am to 1pm

0800 023 4 567 (calls to this number are now free on mobile phones and landlines)

0300 123 9 123 (calls to this number cost no more than calls to 01 and 02 numbers)

or from abroad on +44 20 7964 0500

By post

The Financial Ombudsman Service

Exchange Tower


E14 9SR


How to claim

Please refer to your policy summary or your policy document if you need to notify a claim.  You should contact the insurer direct as soon as possible using the contact details provided.  If in doubt about whom you should contact, please contact us on 01384 473023.


Protecting your information

All personal information about you will be treated as

private and confidential (even when you are no longer a  customer),  except  where  the  disclosure  is  made  at your  request  or  with  your consent  in  relation  to administering  your  insurance,  and  except  where  law requires  us.  The  FCA  may  ask  us  to  provide  it  with access  to  our  customer  records  in  order  that  it  may carry  out  a review  of our activities. Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to The Managing Director at the above address.


Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we hold it in a client bank account on trust for you. Your  money  will  be  protected  at all times  because  of  the requirements  of  the  FCA  rules. We may need to transfer your money to another intermediary in some cases.

We also reserve the right to retain interest earned on this account.  By accepting these Terms of Insurance Business you are giving your consent for us to operate in this way.


Payment Options

We will provide you with full details of the payment options available to you when we provide you with your insurance premium. If you choose to enter in a finance arrangement, this will be subject to interest charges that we will confirm to you when providing the full details.  Importantly, the arrangement you will enter into will be with the finance company not us.  It is an entirely separate contract irrespective of the insurance contract.  In the event of your failure to meet with the contractual obligations regarding payment the finance provider could approach the insurer to seek a termination of the insurance contract to recoup their outstanding finance arrears. You will be liable to pay their costs and charges if you do not keep up your repayments and cover is cancelled under your policy. This is because the agreement is between you, the policyholder and the finance company direct, not us or the insurer.


Please note we use Premium Credit for premium finance facilities. Should you fail to keep up payments on an instalment agreement or on premium finance, your policy cover will cease.


Compensation arrangements

We are covered by the Financial Services Compensation Scheme.  You may be entitled to compensation from the scheme if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim.  Most Insurance contracts are covered for 90% of the claim, without any upper limit.  Compulsory insurances (for example, motor insurance and employers’ liability insurance), are covered for 100% of the claim, without any upper limit Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk/


Your Duty of Disclosure

Your insurance is based upon the information provided to the insurance company and you must ensure that all such  information  is  complete  and  accurate,  and  that any  facts  that  may  influence  the  insurer’s  decision  to accept and pay a  valid  claim are  disclosed.  Failure  to disclose  material  information  may  invalidate  your insurance and  could mean that  part,  or  all,  of  a  claim may not be paid.


January 2016

Cater N Sure is a trading style of IPG Retail Ltd
which is authorised and regulated by the Financial Conduct Authority.

Cater N Sure is registered in England and Wales at B1 Custom House,
The Waterfront, Level Street, Brierley Hill, West Midlands DY5 1XH.

Company No. 08365919.