Please ensure that you read our terms and conditions with care since they form an important part of any contract between you and Morton Michel Limited (Morton Michel) and between you and Covéa Insurance Services Limited.
By using this site you are deemed to agree and be bound by these terms.
For further information simply click on the relevant question
In connection with buying insurance using this site you should be aware of the following stages in the process:
You will be asked a series of simple questions and to agree to certain statements in relation to your policy. These are the questions which form the basis of the insurance and which you should answer truthfully.
By clicking the relevant button to confirm that you wish to purchase insurance from us online, you declare that you wish to take out the cover provided by Morton Michel Limited as an agent of the underwriters Covea Insurance plc.
You declare that you have read and understood the Summary and Guide to cover and give your explicit consent that the personal data you provide may be used by Morton Michel Limited and Covea Insurance plc, a member of Covéa Insurance Services Limited, for the purposes of your insurance. This includes underwriting, processing, claims handling and fraud prevention, which could involve passing details to agents of Covéa Insurance Services Limited or other insurers. You also declare that you understand that you are entitled to a copy of your personal data held by Covéa Insurance Services Limited and/or Morton Michel Limited upon payment of a fee.
Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online using a credit or debit card, you are authorising us to debit your credit or debit card with the amount of the premium due.
We will notify you by email that the transaction has been completed. If we have not contacted you, please contact us immediately.
Until you have received confirmation that your policy is effective, you should not rely upon being covered by the insurance offered by this website.
No policy is valid until the premium has been paid to and accepted by Morton Michel Limited.
It is a condition precedent to liability that you shall be registered with the appropriate Registering Authority where applicable and all terms of such registration shall be complied with at all times.
Please note that we only arrange cover in the UK. If you live outside the UK you should contact an insurer in your own country.
Emails - please note that there is no guarantee that any e-mail sent to this site will be received by Morton Michel Limited or that the message will remain confidential whilst being transmitted.
Important Policy information - on receipt of your payment, you should receive your documents by email immediately. If you do not do so, please contact us immediately.
Cooling off - if you decide that you do not wish to accept this policy, return it within 14 days of receipt and, provided no claims have been made, we will refund the premium.
Copy Policy Documentation - a copy of all our policy documentation is available on request.
Insurance Premium Tax - as imposed by current legislation, is incorporated into all premiums.
Premiums are payable annually to Morton Michel Limited.
Disclosure of Material Facts - your attention is particularly drawn to the importance of the Declaration and signature on the Insurer's proposal forms. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate your cover. Please do consult us if you are in doubt on any aspect.
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed and you will be bound by the revised conditions of use.
To the fullest extent permissible under applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, Morton Michel Limited and affiliates (collectively, " Morton Michel ") disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Morton Michel does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Morton Michel Limited does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Morton Michel Limited) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services. This website may be linked to other websites which are not maintained by Morton Michel Limited. Morton Michel Limited is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Morton Michel of the websites or the content thereof.
Limitation of Liability
While Morton Michel Limited uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Morton Michel Limited makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither Morton Michel Limited nor any party involved in creating, producing, or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Morton Michel Limited or a Morton Michel Limited authorized representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, Morton Michel’s total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website. To the fullest extent permissible under applicable law, Morton Michel Limited also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on Use of Materials
This website is owned and operated by Morton Michel. Except as otherwise expressly permitted by Morton Michel Limited, no materials from this website or any website owned, operated, licensed or controlled by Morton Michel Limited may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Morton Michel Limited's written permission. Morton Michel Limited neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Morton Michel Limited.
All material featured on this site is proprietary to Morton Michel Limited or its Licensors. All intellectual property rights arising in this site are reserved to Morton Michel Limited, Covéa Insurance or their licensors. You may download information from this site for your own personal use but otherwise it may not be copied or reproduced except with our written permission.
Accuracy of Information
Whilst we make every effort to ensure that the information contained in this site is complete and accurate, we provide no warranty or guarantees regarding the availability or completeness or accuracy of this site or any site to which these pages connect.
Where there are links from our site to other sites we give no implied approval or endorsement or comment as to the quality or contents of these other sites as we have no responsibility for any other site.
We reserve the right to make amendments and changes to the information on this site or these terms and conditions at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.
If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to contact us in order to verify. Our phone number is 020 8603 0900
Save in the unlikely event of fraud, fraudulent misrepresentation or death or personal injury caused by our negligence Morton Michel Limited will not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information on this web site or lack of availability of the web site.
The pages on this site are only directed at United Kingdom residents, and comply with appropriate UK legislation and regulation.
This website and your use of it are governed by the laws of England and Wales and will be subject to the non-exclusive jurisdiction of the relevant courts of the United Kingdom.
Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognise your browser.
The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookies and how to disable cookies altogether. However, cookies allow you to take full advantage of this website and we recommend that you leave them turned on.
If you do leave cookies turned on, be sure to sign off when you finish using a shared computer.
When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested.
We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.
In addition to any personal data supplied by you, we may collect the following information:
(a) Site visits. We collect information on the pages you access. This is then used to help us develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual.
(b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enable us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.
Third party websites are not covered by our privacy policies.
Credit Card Transactions
The Consumer Credit Act (1974) also applies to transactions over the Internet. It limits your maximum liability on your credit card to £50, in the event of its loss or fraudulent use. Furthermore, all liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use.
1. Covea Insurance plc
Covea Insurance plc is a public limited company, registered in England and Wales number 613259. It underwrites general insurance business. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. It appears on the Financial Services Register under number 202277. You can check this on the Financial Services Register by visiting the Financial Conduct Authority website www.fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.
Covea Insurance plc is a member of Covéa Insurance Services Limited.
50 Kings Hill Avenue
Kent ME19 4JX
2. Disability Discrimination Act 1995
In accordance with the Disability Discrimination Act 1995 we are able to provide upon request a textphone facility, audio tapes, large print documentation and Braille documentation. Please advise us if you require any of these services to be provided so that we can communicate in an appropriate manner.
3. Law applicable to the contract
We propose to choose English law as the law applicable to the contract unless we agree another choice of law with you prior to the start date.
Premiums are payable annually to Morton Michel. Insurance premium tax, as imposed by current legislation, is incorporated into all premiums.
5. Promise of satisfaction and service
We are confident that your policy will bring you complete satisfaction. We undertake to refund the premium in full if you are not satisfied with the cover provided by your policy if it is returned within 14 days of issue, but if there has been an incident which has resulted or could result in a claim you must reimburse the Company for any amounts we have paid or may be required to pay, in respect of that incident.
6. Duration of contract
The first period of insurance under your policy will be 12 months unless otherwise requested by you and agreed by the Company.
7. Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). 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. Further information about compensation scheme arrangements is available from the FSCS.
8. Notification of a claim
If you have a claim, or are aware of an incident that could result in a claim, please contactMorton Michel on 020 8603 0900 or Covea Insurance plc on 0330 134 8187.
9. Please note to improve our customer service, calls may be recorded and monitored.
10. Enquiries or complaints
If you have an enquiry or complaint regarding:
the suitability of this policy for your needs; or
the information and advice you received whilst it was originally being discussed; or
the operation or administration of the policy
or an enquiry concerning a claim that you may have made; you should contact Morton Michel Limited at Alhambra House, 9 St Michaels Road, Croydon CR9 3DD; telephone number 020 8603 0942.
If you have a complaint concerning a claim you have made, you should contact Covea Insurance plc, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX; telephone number 0330 1348187.
(A copy of Covéa Insurance's complaints handling procedure is available on request by writing to the Customer Services Manager, Covea Insurance plc, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX or by telephoning 0330 134 8187.)
If your complaint relates to Legal Expenses cover provided by DAS, please write to The Claims Services Manager, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH or telephone 0344 893 9013 or 0117 934 0066.
Please be ready to provide all relevant details of your policy and in particular your policy number (if allocated) to help your enquiry or complaint to be dealt with speedily.
If you are not satisfied with the way in which your complaint has been handled, you may have the right to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR; telephone number 0800 023 4567.
Please note that the Financial Ombudsman Service will normally only consider a complaint once we have issued a final decision letter.
Following this procedure will not affect your legal rights.
DAS Legal Expenses Insurance Company Limited is a private company limited by shares incorporated in England and Wales under registered number 103274. It underwrites legal expenses business. Its head and registered office is DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. It is authorised and regulated by the Financial Conduct Authority and appears on the Financial Conduct Authority's register under number 202106.
If your complaint relates to insurance purchased from us via electronic means (e.g. on-line or via email or mobile ‘phone) then you are able to use the EC On-line Dispute Resolution (ODR) platform by clicking here who will notify FOS on your behalf.
If you choose to pay by instalments, your personal information and the bank details you provide on the Direct Debit Instruction will be passed to our third party finance provider Premium Credit Limited. In assessing your application for credit they will search the public information that a credit reference agency holds about you. The credit reference agency will add details of the search and your application to their record about you whether or not your application proceeds. This and other information about you may be used to make credit decisions about you and undertake checks for the prevention and detection of money laundering. If your application for credit is accepted, Premium Credit will send you a welcome pack detailing their full terms and conditions and commence collection of your instalments. A credit agreement will be included for you to sign and return. Premium credit may begin collecting your Direct Debits before you return your signed credit agreement to pay for any insurance cover you are receiving. If you have any questions about your instalments, contact Premium Credit on 0844 736 9836. On renewal of your insurance policy we'll continue to pass your details to Premium Credit unless you instruct us otherwise. Click here to read the important pre-contract information provided, in regard to your premium credit arrangements.
020 8603 0900
Monday - Friday 9am - 5pm