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Copyright

Unless otherwise stated, and with the exception of third party trademarks, the copyright, database rights and similar rights in all material published on gap-insurance-cover.co.uk are owned by Surf and Protect Ltd.

You are permitted to print or download extracts from this material for your personal use only. None of this material may be used for any commercial or public use.

No part of gap-insurance-cover.co.uk or any material appearing on the site may be reproduced, stored in or transmitted on any other Web site and/or literature without written permission of Surf and Protect Ltd.

In certain circumstances we may consider requests to republish any of the material on this website. If you wish to republish any of our information please contact us.

Data Protection

The Data Protection Act 1998 gives individuals the right to find out what information is being held about them. The Act determines how Surf and Protect Ltd (as the Data Controller in this case) collect, use and process this information.

The Act allows you to have information which is held about you which is incorrect to be amended/corrected.

If you would like to find out more or make a request to access your information please review our Privacy Policy by clicking the link below. Note that the Privacy Policy for this gap-insurance-cover.co.uk website is different to the Privacy Policy of the main SurfandProtect.com website, due to the vast difference in data handled by each site.

Surf and Protect Ltd is registered as a Data Controller with the office of the Information Commissioner and a full account of the reasons for which we process information is available at www.informationcommissioner.gov.uk together with further help and advice on all areas and issues relating to Data Protection and the Data Protection Act 1998.

FSA Regulation

With effect from the 14th January 2005, the Financial Services Authority (FSA) has regulated the sale and administration of general insurance and pure protection contracts. Any insurer, intermediary or broker who wishes to transact general insurance or pure protection contracts must comply with the Conduct of Business rules as laid out by the FSA. As a company, Surf and Protect Ltd whole heartedly support this initiative and have made every effort to ensure we fully comply with the rules.

About Our Services

Surf and Protect Ltd

30A The Grove
Ilkley
West Yorkshire
LS29 9EE

1. The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2. Whose products do we offer?

We offer products from a range of insurers. Please feel free to ask us for a list of the insurers and products we offer.

3. Which service will we provide you with?

You will not receive advice or a recommendation from us or our website. We or the website may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. What will you have to pay us for this service?

No fee.
You will receive a quotation, which will tell you about any other fees relating to a particular insurance policy.

5. Who regulates us?

Surf and Protect Ltd, 30A The Grove, Ilkley, West Yorkshire, LS29 9EE, is authorised and regulated by the Financial Services Authority. Our FSA Register number is 313274 Our permitted business is:

Advising on Investments (except Pension Transfers and Pension Opt Outs)
Arranging (bringing about) deals in investments
Making Arrangements with a view to transactions in investments
Dealing in investments as agent

You can check this on the FSA's Register by visiting the FSA's website: www.fsa.gov.uk/register/ or by contacting the FSA on 0845 606 1234.

6. Ownership.

Surf and Protect Ltd is a privately owned Limited Company registered in England, Company Number: 5041891. Details can be viewed at www.companieshouse.gov.uk

7. What to do if you have a complaint.

If you wish to register a complaint, please contact the Customer Services Department, as follows:

… in writing	Write to:	Surf and Protect Ltd, 30A The Grove, Ilkley, West Yorkshire, LS29 9EE

… by phone	Telephone:	01943 600400

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Obudsman Service.

8. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligatins. This depends on the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about the compensation scheme arrangements is available from the FSCS.

Ownership and Legal Status.

All content of this (gap-insurance-cover.co.uk) website is supplied and maintained by Surf and Protect Ltd.

The "gap-insurance-cover.co.uk" domain name itself, is owned by Capital Car Finance Ltd. A company registered in England. Company No: 6041030. This can be verified online at www.companieshouse.gov.uk. The registered office of Capital Car Finance Ltd is:

Capital House,
Fourth Avenue,
Crewe,
Cheshire,
CW1 6XL

Capital Car Finance Ltd allow Surf and Protect Ltd to use this gap-insurance-cover.co.uk domain for the online promotion and marketing of the GAP Insurance policies that Surf and Protect Ltd sell. In return, Capital Car Finance Ltd are paid an "Introducer Fee", which is formed as a percentage of the profit Surf and Protect Ltd make, on each product which is sold as a result of the promotion of the GAP Insurance policies on the gap-insurance-cover.co.uk domain.

Fortis Insurance Limited, are the underwriters of the GAP Insurance policies marketed by Surf and Protect Ltd via this and other websites. Neither Capital Car Finance Ltd nor Surf and Protect Ltd and its associated websites, are part of, linked to, affiliated with or otherwise endorsed by Fortis Insurance Limited in any way.

Surf and Protect Ltd is a company registered in England. Company No: 5041891. This can be verified online at www.companieshouse.gov.uk. The registered office of Surf and Protect Ltd is:

38 Doncaster Road
Barnsley
South Yorkshire
S70 1TL

Surf and Protect Ltd is Authorised and Regulated by the Financial Services Authority. Firm Reference Number: 313274. This can be verified online at www.fsa.gov.uk/register/.

Surf and Protect Ltd are members of the British Insurance Brokers Association (BIBA).

Privacy Policy.

When you use this gap-insurance-cover.co.uk website to generate a quote for GAP Insurance, the quote is actually being generated using an online quote 'engine' provided by Surf and Protect Ltd through their main website (SurfandProtect.com).

For aesthetic purposes, the quote engine has been branded to appear seamlessly, by using the same style and appearance of the gap-insurance-cover.co.uk website. All pricing information and policy documentation is fed live from SurfandProtect.com.

As you generate and tailor a quote, certain information is captured automatically, by Surf and Protect Ltd, regarding each and every quote that is displayed onscreen to you. The information which is captured is as follows:

Your IP Address.
The value of your vehicle
The type of GAP Insurance policy(ies) that are quoted for.
The selected term (duration) of the GAP Insurance policy(ies) that are quoted for.
The selected Claim Limit of the GAP Insurance policy(ies) that are quoted for

The above information is captured, collated and analysed on a statistical and reporting basis only.

If you wish to have a quotation emailed to you, you will of course be required to input the email address that you want the quotation sending to. When you do this, Surf and Protect Ltd will generate the required quotation (incorporating the same styling and overall aesthetic appearance of the gap-insurance-cover.co.uk website) and send it to the email address you inputted. However we assure you that your email address, is NOT stored by the system for further use of any kind.

If you are happy with the GAP Insurance policy type, term, claim limit and price, and subsequently wish to purchase the GAP Insurance policy, clicking the "Buy Now" button will transfer you away from this gap-insurance-cover.co.uk website to the main SurfandProtect.com website upon which you will be able to continue with and complete your purchase.

The SurfandProtect.com website has an entirely different and far more comprehensive Privacy Policy than this gap-insurance-cover.co.uk website does, due to the simple fact that the SurfandProtect.com website obviously handles far more of your personal and sensitive information (as part of your actual purchase of a GAP Insurance policy) than this website does. You can review the Surf and Protect Ltd privacy policy at any time by clicking here.

Privacy Support

If you have an enquiry or any concern about any aspect of our Privacy Policy please contact:

Surf and Protect Ltd,
30A The Grove,
Ilkley,
West Yorkshire,
LS29 9EE

Phone: 01943 600400
Email: (Click for online enquiry form)

Website Terms of Use

These terms and conditions apply to your general use of this website www.gap-insurance-cover.co.uk and any e-mail correspondence between Surf and Protect Ltd, as the operators of this website, and you.

Your use of the website indicates your acceptance of these terms, which are issued by Surf and Protect Limited. If you do not agree with any of these terms and conditions, you do not have permission to continue using the website and should leave it immediately. The use of your data is governed by our Privacy Policy and you should check it for full details.

YOUR USE OF THIS WEBSITE

You must not use this website inappropriately or in contravention of any laws. In particular you agree not to distribute, upload or publish any material or files that might:

constitute a breach of confidence, infringe copyright or any other intellectual property right, privacy or any other right of a third party;
be considered defamatory, inaccurate, threatening, offensive, indecent or calculated to incite hatred;
or contain viruses or other harmful features, programs or devices.

You are responsible for the accuracy of any information you submit to the website.

Any information you provide to us is in accordance with the terms of our Privacy Policy which can be viewed by clicking the link above.

INTELLECTUAL PROPERTY

This website www.gap-insurance-cover.co.uk is the property of Surf and Protect Ltd. All text, images, and software code on this website are copyright property of Surf and Protect Ltd and they may not be placed in the public domain. Printing or downloading extracts for your personal use is permitted. Any commercial reproduction, redistribution, publication or other use by electronic means or otherwise is prohibited unless pursuant to a written license signed by Surf and Protect Ltd. The content of www.gap-insurance-cover.co.uk can not be transmitted, reproduced or stored on any other website without the written permission of Surf and Protect Ltd

You are not permitted to use any of our copyrighted material or trade marks in any way. If you do so without our written consent we will have a right of action against you in law for copyright and/or trade mark infringement and you must remove such material with immediate effect.

Trade marks used on this web site are the property of their respective owners. These trade marks are protected by law and you may not use these trademarks.

You are not permitted to modify the content of this website in any way.

LINKS

Any links from this website to other sites not maintained by Surf and Protect Ltd, are provided solely for your convenience. We are not responsible for the direct or indirect consequences of you linking to any other web site. We are not responsible for and have no control over the content of any external sites, and the provision of a link is not an endorsement of any other site or its contents.

You may only create a link to this website if that link is to the homepage and on the condition that you do not imply that we are endorsing any products or services other than our own, that you do not misrepresent your relationship with us or present any false information, you do not use any trade marks displayed on the website you are linking from, without the trademark owners' express written permission, and your website does not contain material which is distasteful, offensive or infringes any rights of any person.

ALTERATIONS

We may alter this site and these terms, conditions and disclaimers at any time.

DISCLAIMER

We do not make any representation or give any warranty or other assurance (and all such warranties, terms and representations that might otherwise apply by operation of law, practice or otherwise are hereby excluded to the fullest extent permitted) as to:

the availability of this website. Access to this Website may be interrupted, restricted or delayed for any reason and at any time (for example, to enable changes to be made);
the operation, quality, timeliness, reliability, usefulness or functionality of this website or any information on this website;
this website being free from errors, defects, viruses or other harmful features, programs or devices;
the compatibility or performance of this website with (or its effect on) your computer equipment;
the accuracy, completeness, suitability, timeliness or fitness for any particular purpose of any content on this website or accessed through a link on this website.

LIMITATION OF LIABILITY

We are not liable for and disclaim to the fullest extent permissible under any applicable law all liability and responsibility in connection with the use, inability to use or the results of use of this website for any amount or kind of loss, damage, expenses, costs or liability that you or any third party may suffer, including without limitation any direct, indirect, punitive, special or consequential loss or damage or any loss of income, profits, anticipated savings, goodwill or data whether arising in tort, contract, operation of law or otherwise. This limitation does not apply to your purchase of Surf and Protect Ltd products marketed via this website.

If any of these terms and conditions would otherwise be held invalid, the invalid term or condition shall be interpreted as applicable only to the extent permitted without being invalid and the remainder of the terms and conditions shall not be affected.

GOVERNING LAW

These terms and this disclaimer and any claim based on use of information from this web site shall be governed by the laws of England and Wales and you agree to submit to the non-exclusive jurisdiction of the Courts of England.

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