The basis on which we arrange your insurance.

Revive Insure (“Revive”, “we”, “us”, “our”) is Revive Insure Limited, a company registered in England and Wales (company number 16421370), registered office First Floor 5 High Street, Westbury-On-Trym, Bristol BS9 3BY. We are an Appointed Representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority.

These Terms of Business set out the basis on which we provide our services to you. They take effect from the date you receive them and continue until replaced. Please read them, together with your policy documentation, and keep them for your records. By asking us to arrange or administer your insurance, you agree to these terms.

Revive Insure is an Appointed Representative of Innovative Risk Labs Ltd (“IRL”), our principal. IRL is authorised and regulated by the Financial Conduct Authority (FCA), firm reference number 609155, and is responsible for the regulated activities we carry out on its behalf. Our own firm reference number is 1040766. You can check the register at register.fca.org.uk or by calling the FCA on 0800 111 6768.

We are permitted, through IRL’s authorisation, to:

• —arrange (bring about) deals in non-investment insurance contracts
• —make arrangements with a view to transactions in non-investment insurance contracts
• —assist in the administration and performance of a contract of insurance
• —deal as an agent in non-investment insurance contracts
• —carry on credit broking — premium finance is arranged through Premium Credit Limited

We do not provide financial advice on any regulated products — including non-investment insurance contracts, investments, pensions or mortgages. All cover is arranged on a strictly non-advised basis.

We arrange general insurance products — currently car, home, gadget, breakdown, home emergency, motor legal expenses, landlord, commercial and commercial legal expenses cover — through a panel of established UK insurers. We are not the insurer. The insurer for each product is named in your policy documentation.

We do not offer cover from the whole of the market. We select from our panel. You can ask us for a list of the insurers we deal with for any product.

We provide information and arrange cover on a non-advised basis. This means we do not give you a personal recommendation or advise you on whether a particular policy is suitable for your circumstances. We give you the information you need — including the policy documentation and the Insurance Product Information Document (IPID) — so you can make your own informed decision. If you are unsure whether a policy meets your needs, you should read the documentation carefully and seek your own advice.

Consumers: You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when any amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part or all of your claim may not be paid.

Non-consumer customers: Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under the Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

It is the responsibility of the insured to ensure that all sums insured and policy limits are adequate. It is strongly recommended that the appropriate professional (for example a surveyor or accountant) be consulted to ensure that the sums insured and limits under the policy are suitable.

For these products we may act as agent of the insurer for certain activities (for example, collecting premiums under a risk transfer arrangement, and in some cases binding cover and handling claims) and as your agent for others. Where we act for the insurer this will not, by itself, affect your right to claim or your protection. Details for a specific product are available on request.

In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial for our clients. This Terms of Business document constitutes both your acceptance that we may do this and your prior request for us to do so.

A quotation is valid for the period stated and is based on the information provided at the time. Cover only begins once the insurer has accepted the risk and we have confirmed it to you in writing, and any required premium or first instalment has been received.

We are usually paid by commission, which is a percentage of the insurance premium paid to us by the insurer. We may also charge you a fee for arranging or administering your policy; any fee will be shown clearly before you commit, and fees are non-refundable once cover has started unless stated otherwise. You may ask us at any time to confirm how we are remunerated for your policy and we will tell you in writing. Please be assured that at no time will the way we are remunerated conflict with our responsibilities to meet your needs and treat you fairly.

Fees and charges. In addition to the premiums charged by insurers, we may make a charge to cover administration costs. These are:

Any fee that applies to your policy will be shown clearly before you commit.

You can pay your premium in full or, where available, by monthly instalments through Premium Credit Limited, our premium finance provider. Paying monthly is a credit agreement: it will usually cost more than paying annually because interest and fees apply. Before you commit you will be shown the cash price, the total amount payable, the number and amount of instalments, any fees and the representative APR. Where we introduce you to a premium finance provider we act as a credit broker, not a lender.

If a payment fails we will try again on the next agreed date. If instalments remain unpaid the insurer may cancel your policy; we will write to you before that happens. If you are having trouble paying, contact us and we will talk through the options.

Premiums you pay are held by Innovative Risk Labs Ltd in a segregated insurer trust account, under FCA-compliant trust arrangements, until they are paid to the insurer. Where money is held under risk transfer, it is treated as held on behalf of the insurer. Any interest earned is retained by us.

Where your policy can be renewed, we will write to you before it expires with your renewal terms. The notice will show last year’s premium, this year’s premium and what has changed. Auto-renewal is opt-in, not opt-out — if you did not choose auto-renewal when you bought, you will need to actively renew before the policy ends.

You have a statutory right to cancel within 14 days of receiving your policy documentation (the cooling-off period). After that, you may still cancel in line with your policy terms. Refunds depend on the policy terms, whether a claim has been made and any time on cover, and any fees we have told you about may be non-refundable. Full details are in your policy documentation.

If you need to claim, contact us or the claims line shown in your policy documentation as soon as possible. You must not admit liability or agree to settle a claim without the insurer’s consent. We will help you through the process; the insurer decides whether a claim is covered under the policy terms.

We aim to act in your best interests and to treat you fairly at all times. Occasionally a conflict of interest may arise. We have arrangements to identify and manage conflicts so they do not adversely affect you. If we cannot manage a conflict, we will tell you and explain your options. Our conflicts policy is available on request.

We process your personal data in line with UK data protection law. Innovative Risk Labs Ltd is registered with the Information Commissioner’s Office (registration number ZB963326). How we collect, use, share and retain your information — and your rights — is set out in our Privacy Notice at /privacy. We keep policy data for the duration of the policy plus six years to meet FCA and HMRC requirements.

We and/or the insurers and/or credit providers may use publicly available data from a variety of sources, including credit reference agencies and other external organisations, to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of these searches may appear on your credit report whether or not your application proceeds. By agreeing to these terms and conditions you agree to these uses of your information.

We are required to carry out checks to prevent financial crime, fraud, money laundering and sanctions breaches, and may use third-party tools and databases to do so. We may decline or cancel cover where required by law or sanctions.

We are obliged to report to the National Crime Agency any suspicion of money laundering or terrorist activity, and we are prohibited from disclosing any such report.

If you are not happy with our service, please tell us — by phone, email, post or our contact form. We will try to resolve your complaint by the end of the third working day. If we cannot, we will acknowledge it and aim to resolve it within the statutory eight weeks. If you remain unhappy, or we cannot resolve it, you can refer it to the Financial Ombudsman Service (free of charge; their decision is binding on us) at financial-ombudsman.org.uk or 0800 023 4567. Referring a complaint to the Ombudsman does not affect your legal rights.

We are covered by the FSCS. You may be entitled to compensation if we cannot meet our obligations. For insurance arranging this is generally 90% of the claim with no upper limit (compulsory insurance, such as third-party motor, is covered at 100%). Further information is available from the FSCS at fscs.org.uk.

The insurers we use are regulated and are required to have adequate capital resources. However, we cannot guarantee the solvency of any insurer we place business with. An insolvent insurer may be unable to pay claims, or unable to pay them in full, and you may have to pay a further premium to arrange alternative insurance cover.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited. Subject to that, we are not liable for the acts, omissions or solvency of any insurer, nor for the performance of any policy; we are not liable for any indirect or consequential loss; and our total liability to you for any loss arising from our services is limited to the commission we have received in respect of the relevant policy.

You or we may terminate authority to act in connection with your insurance arrangements at any time. Notice of termination must be given in writing and will be without prejudice to the completion of any transactions already commenced. Any business currently in progress will be completed unless we receive instructions to the contrary. Any premiums or fees outstanding will become payable immediately. In circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice.

These terms, and our dealings with you before they take effect, are governed by the law of the part of the United Kingdom in which you live — England and Wales, Scotland, or Northern Ireland — and are subject to the courts of that jurisdiction. All communications will be in English.

We may update these terms from time to time, for example to reflect regulatory change. The current version is always available on our website, and we will tell you about any material change that affects you.