In this Important Notice, 'we', 'us' and 'our' means first direct, a division of HSBC Bank plc. Registered in England, number 14259. Registered Office: 8 Canada Square, London E14 5HQ.
'HSBC Group' means HSBC Holdings plc, its subsidiaries, associated and affiliated companies. A reference to 'product provider' means the company or companies providing the product, their subsidiaries, associated and affiliated companies, as well as their agents.
first direct Home Insurance is provided by:
'You', 'your' and 'yourself' means, the policyholder named in your schedule; the husband or wife of the policyholder, or the policyholder's partner who lives at the same address as the policyholder and shares financial responsibilities. This does not include any business partners or associates; and members of the policyholder's family who live with them permanently.
first direct is an intermediary acting on your behalf and, for Home Insurance, deals exclusively with the insurer shown above. Once you have purchased your online Home Insurance, you will be sent your schedule and policy document and you will deal with the insurer directly for ongoing policy administration. Please note that we provide information and not advice in relation to this insurance policy.
For further information please contact us at first direct, 40 Wakefield Road, Leeds LS98 1FD or on 08 456 100 100.
first direct is a division of HSBC Bank plc which is authorised and regulated by the Financial Services Authority. You may check HSBC's name, address and statutory status by calling 0845 606 1234 or via the FSA website at www.fsa.gov.uk. Our FSA registered number is 114216.
Your agreement to the terms of this Important Notice does not affect your normal statutory rights.
This product allows you to choose the level of cover from a range of options. Your schedule shows the cover you have selected. The choices you have made will depend on your personal circumstances, you should check your policy schedule carefully to ensure you have the required cover. The cover listed below meet the demands and needs of those wishing to benefit from the following protection:
|Contents/Buildings Insurance||the contents/structure of your home against damage caused by specific causes|
|Full Accidental Damage||the contents/structure of your home against damage not caused on purpose|
|Personal Belongings||valuable and personal items against damage or loss in or away from your home|
Further details of these and other benefits can be found in the policy summary and policy document. Please note that we provide information and not advice in relation to this policy. This section does not form part of the terms and conditions of your policy.
Where we have provided a quotation on this site, it is valid for 90 days from the day on which we give the quotation.
When your policy is due for renewal (where applicable) you will be sent a renewal invitation with the details of your cover and a price for the following year. Unless you advise the insurer of any changes, renewal will be based on the previous information you have provided.
If you pay your premiums by direct debit or if you have agreed for the insurer to collect the renewal premium automatically from your credit or debit card, this will continue unless you have advised the insurer not to.
You are responsible for providing us with all material facts, which form the basis of the contract of insurance. Material facts are those that we would regard as likely to influence the assessment and acceptance of the insurance. Failure to provide information relevant to or any inaccuracies in your answers for, your application for insurance, may mean that your insurance will be invalid and any claim will not be met by the insurer. If you are in doubt about what facts are considered material, you should disclose them. If you have already taken out insurance, please read your policy document to ensure it is accurate and to familiarise yourself with the insurance terms and conditions.
You should inform us immediately should your circumstances or requirements change that may either affect the service provided by us or the cover provided under your insurance policy.
Information you supply may be used for the purposes of insurance administration by the Product Provider, its associated companies and agents, by reinsurers and Members of the HSBC Group. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the Product Provider's compliance with any regulatory rules/codes.
If the insurer is unable to meet its obligations under the insurance policy, you may be able to claim compensation under the Financial Services Compensation Scheme.
HSBC is a member of the Financial Services Compensation Scheme. You may be entitled to compensation if we are unable to meet our liabilities.
Further details of the scheme are available from The Financial Services Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or www.fscs.org.uk
The law of England and Wales applies to the contract, unless you normally live in Scotland (in which case Scottish law will apply) or you and the product providers agree otherwise. We are required by law to tell you that the terms and conditions are in English, which is the language we will use in our communications with you.
Your instructions to us to effect this insurance on your behalf constitutes a contract between you and your insurer. This contract does not, and is not intended to, confer or create any right enforceable under the Contracts (Right of Third Parties) Act 1999 by any person who is not a party to the contract, and the parties to this contract reserve the right to amend or rescind the contract without giving notice to, or requiring the consent of, any third party.
If you proceed to apply for cover by selecting a quotation offered to you, and provide credit/debit card payment details for verification by us, then you should be aware that we have taken steps to protect your confidential payment from disclosure to third parties.
However, please note that despite our best endeavours, transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the nature of the internet and matters outside our control.
If, however, you are concerned about the protection of your information, you may contact us by post, telephone or fax.
Any material and/or data downloaded or obtained through the use of this website or any of the websites mentioned in this website is at your own discretion and risk, and you will be solely responsible for any damage to your computer systems or loss of data that results from the downloading of such material and/or data.
This insurance website contains intellectual property and other rights and must only be used in connection with obtaining insurance in accordance with the notice provisions.
When considering your application and where appropriate from time to time during your relationship with us, we and the product provider(s) will make searches about you at credit reference agencies who will supply information (which may include information from the Electoral Register) for the purpose of verifying your identity. The agencies will record details of the search type, whether or not this application proceeds. first direct and the product provider(s) may use credit-scoring methods to assess applications and to verify your identity and we may also search the Electoral Register ourselves and carry out other identity checks. Members of the HSBC Group, product provider(s) and other organisations may use the record of credit searches and any other information provided to the agencies. Any of this information may also be used for identification purposes, debt tracing and the prevention of money laundering as well as the management of your insurance account(s).
To prevent or detect fraud and to assist in verifying your identity, first direct and the product provider(s) may exchange information with other members of the HSBC Group and make searches of records held at fraud prevention agencies who will supply us with information. first direct and the product provider(s) may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. The information held by these fraud prevention agencies may be used by us, other members of the HSBC Group, the product provider(s) and other companies may use this information when making decisions about you or others at your address(es) on credit or credit-related services or motor, household, life or any other insurance facilities. It may also be used for debt tracing, claims assessment.
first direct and the product provider(s) and fraud prevention agencies will also use the records for statistical analysis about credit, insurance and fraud.
You have the right of access to your personal records held by fraud prevention agencies. If you would like the names and addresses of the agencies used, please telephone 08 456 100 100.
Members of the HSBC Bank and the product provider(s) may record, use, exchange, analyse and assess relevant information held about you and your relationships with the HSBC Group. This will include the nature of your transactions, for credit assessment, market research, insurance claim and underwriting purposes and in servicing your relationships with the HSBC Group. This may include any information provided by you or someone acting on your behalf which is relevant to your relationships with us.
To provide the service(s) applied for, such as when administering claims, members of the HSBC Group and/or the product provider(s) may need to collect and process information about health records, criminal convictions, pending prosecutions and police cautions in respect of you and others. This information will not be used for marketing.
Relevant information may also be exchanged between members of the HSBC Group, the product provider(s) and others, including other insurers to provide you with services, and for the purposes of fraud prevention, audit and debt collection and if required by authorised governmental and non-governmental regulators or ombudsmen. We aim to keep your information up-to-date. first direct may use other members of the HSBC Group, the product provider(s) and/or third parties (in jurisdictions inside and outside the European Economic Area where there may be less stringent data protection laws) to process information on our behalf. Wherever it is processed, your information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff, the product provider(s) and any third parties are subject to and will only be used in accordance with our instructions. Information about offshore customers may be processed offshore, in the UK or elsewhere inside or outside the European Economic Area. Offshore means Jersey, Guernsey (including Alderney and Sark) and the Isle of Man.
Members of the HSBC Group may exchange, use, analyse and assess relevant information held about you and your relationships with the HSBC Group, including the nature of your transactions, to give you information about products and services available from members of the HSBC Group and those of selected third parties which may interest you by telephone, post or other means.
Under data protection legislation, you can ask in writing for a copy of certain personal records we hold about you. A charge may be made for this service.
We will tell you if your application has been successful and when we will open your account. This may be subject to appropriate identification, address verification or other specified documentation being provided to us.
To ensure that we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, telephone calls you make to us and/or the product provider(s) may be monitored and/or recorded. In the interests of security first direct and/or the product provider(s) may use CCTV recording equipment in and around our premises. All recordings are our sole property or that of the product provider(s).
We may from time to time use a different insurer(s) to provide you with this product. A change of insurer(s) may take place upon the renewal date of your policy or at any other time. We will notify you prior to any change of insurer(s) and advise you of any change in the policy terms. By entering into this contract you authorise us as your agent to place the risk with insurer(s) other than those named in the policy. You will have the opportunity to terminate this policy before and after such a change becomes effective.
first direct and the product provider(s) may need to make and retain photocopies of passports, driving licenses or other identification evidence that you provide.