Website Terms and Conditions

Access to and use of this Website and the products and services available through this Website are subject to the following terms and conditions. Please read these terms and conditions carefully before using the website. By accessing this Website, you agree to be bound by the following terms and conditions and disclaimers.

About Ageas UK  

From August 2016 Ageas UK businesses include:

  • Ageas Insurance Limited 
  • Back Me Up (a trading name of Ageas Insurance Limited)
  • Ageas Retail Limited (trading as Castle Cover, RIAS, Kwik-Fit Insurance Services, Express Insurance Services)
  • Tesco Underwriting Limited

Ageas (UK) Limited (Registered in England and Wales: 1093301), whose registered office is Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.

Ageas Retail Limited (Registered in England and Wales: 1324965), whose registered office is Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.

Ageas Insurance Limited and Tesco Underwriting Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority.

Ageas Protect has been sold to AIG.

AIG Life Limited (previously named Ageas Protect Limited) registered address is AIG Life Limited, The AIG Building, 58 Fenchurch Street, London, EC3M 4AB, registered in England and Wales number 6367921. 
AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.

Conditions of Use  

These terms and conditions for use of the Website, outlined in the sections:

  • About the Ageas Group;
  • Conditions of Use;
  • Access to the Website;
  • Viruses, hacking and other offences;
  • Legal Exclusions and Limitations
  • Intellectual Property Rights;
  • Links to other sites;
  • Uploading content and linking to the Website; and
  • Indemnity;

(together with the documents referred to in these sections)  (together the “Conditions of Use”) set out the terms of use on which You may make use of the Website. Use of the Website includes accessing, browsing, or registering to use the Website.

Please read the Conditions of Use carefully before You start to use the Website, as these will apply to Your use of the Website. We recommend that You print a copy for future reference.

By using the Website, You confirm that You accept the Conditions of Use and that You agree to comply with them.

If You do not agree to the Conditions of Use, You must not use the Website.

Other Applicable Terms

These Conditions of Use refer to the following additional terms, which also apply to Your use of the Website:

  • Our Privacy Policy, which sets out the terms on which We process any personal data We collect from You, or that You provide to Us. By using the Website, You consent to such processing and You warrant that all data provided by You is accurate.
  • Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of the Website. When using the Website, You must comply with this Acceptable Use Policy.
  • Our Cookie Policy, which sets out information about the cookies on Our Website.

If You are a broker or partner accessing products or services through the Website, Our Extranet Terms will apply.

In these Conditions of Use We use certain defined terms as follows:

  • “Ageas Group” means any of the companies listed above and any other subsidiary of Ageas (UK) Limited and/ or any subsidiary of the companies listed above from time to time;
  •  “We”, “Our”, “Us” means all companies within the Ageas Group;
  •  “Website” means ageas.co.uk and/or Optima Online, Ageas Insurance Limited Extranet, Ageas Insurance Solutions Extranet or Ageas Protect Extranet;
  • “You”, “Your” refers to any user of this Website.

Changes to the Conditions of Use

We may revise the Conditions of Use at any time by amending this page.

Please check this page from time to time to take notice of any changes We make, as they are binding on You.

Changes to the Website

The information, material and content provided on the Website may be changed at any time without notice.

However, please note that any of the content on the Website may be out of date at any given time, and We are under no obligation to update it.

No Reliance on Information

The content on the Website is provided for general information only. It is not intended to amount to advice on which You should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Website.

Although We make reasonable efforts to update the information on the Website, We make no representations, warranties or guarantees, whether express or implied, that the content on the Website is accurate, complete or up-to-date.

We do not guarantee that Our Website, or any content on it, will be free from errors or omissions.

Applicable Law

If you are a consumer, please note that these Conditions of Use, their subject matter and formation, are governed by English law. You and We both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland You may also bring proceedings in Northern Ireland, and if you are resident of Scotland, You may also bring proceedings in Scotland.

If You are a business, these Conditions of Use, their subject matter and formation (and any non-contractual disputes or claims) are governed by English law. You and We both agree to the exclusive jurisdiction of the courts of England and Wales.

If any provision of the Conditions of Use shall be found to be unlawful, void or for any purpose unenforceable that particular provision shall be severed and shall not affect the validity and enforceability of the remaining Conditions of Use.

Access to the Website  

The Website is made available free of charge.

The use of the Website, including the products illustrated is intended only for UK residents. The information about the products and services contained in this Website is general in nature and for information purposes only.

We do not guarantee that the Website, or any content on it, will always be available or be uninterrupted. Access to the Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the Website without notice. We will not be liable to You if for any reason the Website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for You to have access to the Website. 

You are responsible for ensuring that all persons who access the Website through Your internet connection are aware of the Conditions of Use and other applicable terms and conditions, and that they comply with them. 

Viruses, hacking and other offences  

We do not guarantee that the Website will be secure or free from bugs or viruses.

You are responsible for configuring Your information technology, computer programmes and platform in order to access the Website. You should ensure that You use appropriate virus protection software.

You must not misuse Our Website by:

  • knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful;
  • attempting to gain unauthorised access to our Website, the server on which Our Website is stored or any server, computer or database connected to our Website; and/ or
  • attacking Our Website via a denial-of-service attack or a distributed denial-of service attack.

Any breach of this provision, may be a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and We will co-operate with those authorities by disclosing Your identity to them. In the event of such a breach, Your right to use Our Website will cease immediately.

Legal Exclusions and Limitations  

Whilst we have taken reasonable care in the preparation of the information contained in this Website we are not liable for any errors, omissions or misleading statements and all warranties (express or implied) to the fullest extent permitted by law are hereby excluded. You acknowledge that you are solely responsible for the use to which you put this site and all results and information you obtain from it. Except in the case of death or personal injury caused by our negligence, we exclude liability for all and any losses, or damages arising out of or in connection with the use of this Website. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

We do not warrant:

  • that any information contained on or acquired through the Website is accurate, verified or complete, or
  • that the Website is available on an uninterrupted basis.
  • that any defects will be remedied or that the Website or the server that makes the Website available are virus free.

Intellectual Property Rights  

We are the owner or the licensee of all intellectual property rights in the Website, and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved.

Use of the Website does not transfer any intellectual property rights to You.

You may print off one copy, and may download extracts, of any page(s) from the Website for Your personal use.

You may not duplicate, transmit, distribute or circulate the contents of the Website or make its contents available to any third party, without Our prior written permission.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text. Our status (and that of any identified contributors) as the authors of content on the Website must always be acknowledged.

You must not use any part of the content on the Website for commercial purposes without obtaining a licence to do so from Us or Our licensors.

If you print off, copy or download any part of the Website in breach of these Conditions of Use, Your right to use the Website will cease immediately and You must, at Our option, return or destroy any copies of the materials You have made.

Links to other sites  

In the Website certain links, including hypertext links, will lead You to websites other than ageas.co.uk (“Third Party Sites”). These links are provided for Your information and convenience and the inclusion of any link does not imply endorsement by Us of any Third Party Site.

The Website contains links to sites of companies within the Ageas Group offering insurance policies. Those sites will have their own terms and conditions which You should read carefully. You must form Your own view as to the suitability for You of any insurance policies they offer.

Uploading content and linking to the Website  

Whenever You make use of a feature that allows You to upload content to the Website, or to make contact with other users of the Website, You must comply with the content standards set out in Our Acceptable Use Policy

You warrant that any such contribution does comply with those standards, and You will be liable to Us and indemnify Us and keep Us indemnified for any breach of that warranty. If You are a consumer, this means You will be responsible for any loss or damage We suffer as a result of Your breach of warranty.

Any content You upload to the Website will be considered non-confidential and non-proprietary, and We have the right to use, copy, distribute and disclose to third parties any such content for any purpose.

We also have the right to disclose Your identity to any third party who is claiming that any content posted or uploaded by You to the Website constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by You or any other user of Our Website.

We have an absolute discretion to remove the contents of any post which is placed on the Website. 

The views expressed by other users on the Website do not represent Our views or values.

Our Website must not be framed on any other site, nor may You create a link to any part of the Website without Our permission. We reserve the right to withdraw linking permission without notice. 

Indemnity  

You will indemnify and keep Us indemnified from and against all losses, costs, liabilities, expenses (including legal expenses), claims, fines We may suffer or incur as a result of Your default of any of the obligations expressed or implied in these Conditions of Use. If You are a consumer, this means You will be responsible for any loss or damage We suffer as a result of Your breach of the Conditions of Use.