Surewise
All intellectual property, copyright and material contained on this website is owned by Sure Wise Limited. Using this site is for the sole purpose of research on the products we arrange and purchasing those products. The use of our logo without prior consent will be deemed as trade infringement and against the trademark laws.
Regulation
Surewise & Surewise.com are trading names of Sure Wise Limited who are authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm Reference Number is 618327. Our registered office is Sure Wise Limited, Unit 3, Hadleigh Park Business Park, Chapel Lane, Benfleet, Essex, SS7 2PP.
To contact us please visit our help centre.
About the FCA
The Financial Conduct Authority is the UK’s financial regulator, which sets out rules and exercises enforcement powers to ensure that regulations are adhered to and consumers are treated fairly. The FCA is funded by its member firms, which it regulates, and not by the government. You can find out more about the FCA by visiting their website, here
Our Service
Surewise act as an Independent Intermediary on behalf of its customers and only offer Insurer’s products whom we have sourced as competitive within the market. We do not offer advice or make recommendations with regards to the cover that consumers or businesses should take out.
The aim of our service is to ask questions to identify their specific needs so that we can then match them to a policy that meets the needs of the consumer or business. However, the choice of policy is down to the individual or organisation on how they wish to proceed. We will give you full details of any such arrangements before you make any commitment to any product.
Your Duty to Disclosure
It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew, vary or amend your insurance. Failure to do so, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully.
If a form is completed on your behalf, you should check that the answers shown to all questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer.
Consumer Disclosure – Consumers are customers who are ‘not’ acting for the purposes relating to a trade, business or profession. It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate.
Commercial Disclosure – Commercial customers are customers who are acting for the purposes relating to their trade, business or profession. You have a duty to disclose all material facts that are known or ought to be known by the policyholder’s senior management, or those responsible for arranging the insurance. This allows us to provide the Insurer with a fair presentation of all material circumstances so that they can determine whether to take the risk and, if so, on what terms.
Financial Services Compensation Scheme
The Financial Services Compensation Scheme works alongside the Financial Conduct Authority. This is a compensation fund that is designed to protect the consumer against financial losses. The fund is designed to pay out compensation to the consumer if the company is unable to pay out on a claim due to insolvency or because it has ceased trading. To learn more about the FSCS visit www.fscs.org.uk
External and internal links
The Surewise site includes links to external Web sites and has links pointing to the site from third parties. These links are to provide the consumer with relevant information and or for marketing purposes.
Call Monitoring & Recording
As part of our continuing effort to ensure you receive the highest service standards, we may monitor and record your call for training purposes.
Your Policy
In order to ensure that you get the right level of cover, you will need to choose the level of cover that best meets your needs. All information relating to your quotation, level of cover, and our terms and conditions are made available via the website and through policy summaries. When you purchase a policy, you have the right to cancel within fourteen days of receipt of purchase.
Complaints
It is our intention to provide you with a high-level customer service at all times. If, however, there is an occasion when you feel they have not provided the service you expect please tell us about it, so that we can do their best to solve the problem by writing to us at: Complaints Department, Sure Wise Limited, Unit 3, Hadleigh Park Business Park, Chapel Lane, Hadleigh, Essex, SS7 2PP or by email at [email protected]
If you have any disability that makes communication difficult, please tell us and we will be pleased to help. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS) www.financial-ombudsman.org.uk To see our full complaints procedure please go to ‘contact us’.
Booking Online
Bookings through our websites are deemed to be made when validated on the website. Bookings made by telephone are deemed to be made when confirmed by a Surewise call centre operator.
Insurance Premium Payments
Payment for an insurance booking is made via credit or debit card using WorldPay or Stripe. You can choose to pay monthly or annually. Some of the products we arrange only have annual as the option of payment. All prices are quoted in pounds Sterling including IPT (Insurance Premium Tax).
Stripe Payments
We use Stripe for payment card transactions. We will provide Stripe with the details of your card as well as your billing address. Stripe will store this information on our behalf, in order for us to be able to process any subscription payments, refunds or policy renewals. All customer information transmitted between us and Stripe is fully encrypted.
You can learn more about Stripe and their privacy policy at https://stripe.com/privacy.
Card Subscriptions – Continuous Payment Authority
By providing payment details you are establishing a continuous payment authority. Authorizing Sure Wise Limited to charge the associated payment card for an initial payment and all subsequent charges in respect of your insurance policy. This authority will remain in force until such time as you cancel it with Sure Wise Limited.
Auto Renewal
By agreeing to auto renewal, we will automatically renew your policy, subject to the following:
You will be charged on renewal.
You can cancel automatic renewal at any time up to 24 hours before your renewal date by deselecting the ‘Auto-Renew’ option in my account.
Surewise will notify you of the upcoming charge before processing your automatic renewal.
If Surewise changes the policy price, you will be notified of the new price before being charged and can opt-out by deselecting the “Auto-Renew” checkbox in my account.
If the payment for your policy cannot be transacted for any reason, Surewise will not process your automatic renewal and will notify you with instructions on how to manually renew your policy.
Suspended Policies
Your policy may be suspended due to a missed payment, either on a monthly direct debit or credit/debit card subscription or if we are unable to collect a payment when attempting to renew your insurance automatically.
Your policy will remain suspended until the required payment is made. Whilst the policy is suspended, you will not be covered should you need to submit a claim. Therefore, it is important that you contact us as soon as possible to make the missed payment to avoid being uninsured.
Outstanding payments must be made within 30 days for home insurance policies and 14 days for other products. Your policy will be automatically cancelled if payment has not been received after this period.
What if my card is refused?
Cards are not refused by Surewise but by your bank or card issuer. There could be many reasons this may happen and we suggest you contact your card issuer in the first instance if you incur a problem with your payment being declined.
Can I have a receipt?
Yes. You will receive a confirmation of your payment on your screen after you make the payment. This will display your unique policy number. You will also receive an email confirming the payment has been successful. If you are making a booking over the telephone, our customer service team will give you this once the transaction has been authorised, you will also receive an email confirmation.
Cancellation
You have a right to cancel your transaction/policy within 14 days of purchase, to cancel your policy please visit our help centre for details. Any cancellation requests after 14 days cooling-off period will require 30 days notice period to administer the cancellation of your insurance policy.
Confidentiality
We take protecting our customer’s data very seriously and abide by the rules of the General Data Protection Regulation (GDPR). Please refer to our Privacy Notice for information on how we hold and process your data.
Quotations
Unless stated otherwise in our documentation, all quotations provided for new insurances are valid only for a period of 30 days from the date of issue. You should be aware that quotations may change or be withdrawn if the information was given to us or your insurers in proposal forms or declarations differs from that provided at the time the quotation was issued.
How we are paid
We do not charge you a fee for our service. Insurers pay us a percentage of the annual premium as a commission.
Changes to you cover
We will normally deal with any requests to increase or amend cover on the day your instructions are received, or the next working day if a weekend or public holiday. Sometimes changes cannot be processed without obtaining additional information. If additional information is required we will contact you as quickly as possible. We will confirm changes to your policy, once agreed, in writing. We will also advise you of any extra premiums you must pay or premiums we must return to you.
Documentation
Our aim is to produce documentation and issue correspondence in a clear and understandable format. In the event of any uncertainty, we would ask you to let us know immediately. Our staff are always happy to clarify the cover provided. You should check all policy documentation to ensure that the details are correct and the cover provided meets your requirements. Any errors should be notified to us immediately.
All policies contain conditions, exclusions and limitations and some contain warranties and excesses. It is your responsibility to examine the document to familiarise yourself with these. A breach of a policy condition may result in non-payment of a claim and breach of a warranty may invalidate the cover if it is not complied with precisely. We strongly that you keep policy documents for as long as a claim is possible under the policy.
If your policy includes Employers’ Liability insurance, it is prudent to keep a copy of all Employers’ Liability Certificates issued.
Means of Providing Information
All information we provide will be made clear and accessible to you. You will also be given the choice to receive the information in paper format, free of charge. If you would like a paper copy at any time then please let us know. At renewal, we will rely on your existing choice.
Renewal
In good time before the renewal of your policy, we shall contact you with the renewal premium and terms for the coming year. If you do not wish to renew the policy, please let us know as soon as possible.
Law and Jurisdiction
These Terms of Business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business we both irrevocably submit to the exclusive jurisdiction of the English courts.
Statement of demands and needs
In choosing this product, you have not received any personal recommendations from Surewise. This product allows you to choose the level of insurance cover from a range of options. The options selected will depend upon your personal circumstances and the value of cover you require.
You should check your policy schedule carefully to ensure you have the required cover. Please note that full details of these covers can be found in the policy wording. It is vitally important that all details on the policy schedule are as accurate as possible as any misrepresentation or false statements provided during your application could invalidate all or part of the Insurance contract.
You have a statutory right under Financial Conduct Authority Rules to cancel your policy within 14 days of purchase. If you wish to exercise your right of cancellation, please telephone our office. If you wish to cancel your policy after the 14-day cooling-off period a charge will be made for your insurance based on the period of cover.