Last updated: 1 March 2025
These Terms and Conditions ("Terms") govern your use of the insurancepackagesbase website and services operated by insurancepackagesbase Ltd ("insurancepackagesbase", "we", "us"). By accessing our website or purchasing a policy, you agree to be bound by these Terms.
By using our website or services, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them. If you do not agree, please discontinue use of our services immediately.
insurancepackagesbase provides insurance products and related services including home, tenant, vehicle, property, business, and travel insurance. We act as an insurer and/or insurance intermediary, as described in your specific policy documentation.
All policies are subject to the terms, conditions, and exclusions set out in your individual policy schedule and policy wording documents, which take precedence over these general Terms where they conflict.
To purchase a policy from insurancepackagesbase, you must:
Providing false or misleading information may render your policy void and could constitute fraud.
You may create an account to manage your policies online. You are responsible for maintaining the confidentiality of your login credentials and for all activity carried out under your account. Please notify us immediately if you suspect any unauthorised access.
Premiums are payable in full upfront or by monthly direct debit as agreed at point of purchase. All prices are inclusive of Insurance Premium Tax (IPT) where applicable.
You have a 14-day cooling-off period from the date of purchase or receipt of your policy documents (whichever is later) during which you may cancel for a full refund, provided no claims have been made.
After the cooling-off period, you may cancel at any time and receive a pro-rata refund of the unexpired premium, subject to any cancellation fee stated in your policy documents. Claims made during the period of cover will affect any refund.
To the fullest extent permitted by law, insurancepackagesbase shall not be liable for any indirect, consequential, or special losses arising from your use of our website or services. Our total liability shall not exceed the amount of premium paid by you in the 12 months preceding the event giving rise to the claim.
Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by law.
All content on our website, including text, graphics, logos, and software, is the intellectual property of insurancepackagesbase Ltd or our licensors and is protected by international copyright law. You may not reproduce, distribute, or create derivative works without our express written permission.
These Terms are governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the relevant courts.
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated revision date. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.
For questions about these Terms, contact us at info@insurancepackagesbase.online.