Terms of Service and Customer Insurance Service Information

By registering an account with Eminence Risk Services Limited (“We”, “Our”, “Us”) via the website, You will be deemed to have read and accepted the Terms. This information should be read in conjunction with Eminence Risk Services Limited Privacy Policy available at https://nivante.com/index.php/privacy-policy/. Specific insurance policy terms and conditions will prevail over any of the terms below should any contradiction arise.

About Eminence Risk Services Limited and Our Insurance Services

Nivante is the trading name of Eminence Risk Services Limited which is an appointed representative of Davies MGA Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Eminence Risk Services Limited is registered in England and Wales company number 13056384. Registered office at Brierly Place, New London Road, Chelmsford, Essex, England, CM2 0AP.

You can verify these details by visiting the FCA’s website (www.fca.org.uk/register) or by contacting the FCA on 0800 111 6788.

Our Insurance Services

Nivante are the designer, co-manufacturer and distributor of the Nivante insurance products. As a customer of Nivante, if you have any questions or concerns regarding Our products please contact Us by emailing contacts@nivante.com.

As We are an insurance intermediary and not an insurance company, We have entered into a contractual agency relationship with Axis, JRP and ARAG plc that enables Us to collect the premium and distribute Our insurance products.

When providing this insurance service, We act for and on behalf of the insurer.

Any insurance claims you make must be notified directly to the insurer or their nominated claims representatives. For more information, please refer to the policy documents.

Charges

We do not apply administration charges to Our customers for arranging or administering their insurance policies.

Customer disclosure

You owe a duty to make a fair presentation of the risk to the insurer. You have a duty to disclose to the insurer every material circumstance which you know or ought to know after a reasonable search or which is sufficient to put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. In addition, you have a duty to disclose information in a clear and accessible manner.

A circumstance is material if it would influence a prudent insurer’s judgement in determining whether to take the risk and, if so, on what terms.

Failure to disclose a material circumstance may entitle an insurer to:

  • in some circumstances, avoid the policy from inception and in this event any claims under the policy would not be paid;
  • impose different terms on your cover; and/or
  • reduce the amount of any claim payable

This duty applies:

  • before your cover is arranged;
  • when it is renewed; and
  • at any time that it is varied.

Insurance Premium

We are not permitted to hold client money. We have entered into a written agreement with policy insurers Axis, JRP, and ARAG plc that all premiums paid to Us are held on trust as agent of the insurer by Our regulatory principal Davies MGA Services Limited. In accordance with this agreement, premiums are treated as being received by the insurer when received into the Davies MGA Limited insurer trust bank account and any premium refund is treated as received by you when it is actually paid over to you or your broker.

Awareness of policy terms

When a policy is issued, you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that details the cover that you have in place. If you are in doubt over any of the policy terms and conditions, please contact Us promptly.

Law

Unless agreed by prior and mutual written consent, English law will apply to these Terms & Conditions, as well as to legal arbitration of any other aspect of your relationship with Us. We supply the policy documents and communicate with you in English only.

Complaints

We strive to offer an excellent level of service in all aspects of Our business, but if you are not happy, We ask that you contact Us as soon as possible so We can seek to reach a fair and timely resolution to your complaint.

For more details on how to file a complaint, click here.

You can contact Us at any time by emailing Nivante.complaints@nivante.com.
Or you can call Us at this telephone number: +44 (0) 333 090 3080.

When you are not happy with how We have handled a complaint (a) if you meet the current Financial Ombudsman Service (‘‘FOS’ ‘) criteria, you are entitled to refer the matter to the FOS. You can obtain further information including how to contact the FOS from www.financial-ombudsman.org.uk, email: complaint.info@financial-ombudsman.org.uk or phone 0800 023 4567 and/or (b) you may submit a dispute for online resolution to the European Commission Online Dispute Resolution platform. You can find this platform and more information about it here: http://ec.europa.eu/consumers/odr

Use of Material on Nivante Website

We are the owner or the licensee of all intellectual property rights on Eminence Risk Services website, and in the material published on it and/or generated by it. These works are protected by copyright laws. All such rights are reserved.

Cancelling the policy

To cancel any insurance policy please contact your broker.

Financial Services Compensation Scheme

As the Appointed Representative of Davies MGA Services Limited We are covered by the Financial Services Compensation Scheme (FSCS). If We are unable to meet Our obligations, you may be entitled to compensation from the scheme depending on the type of insurance and the circumstances of the claim.

Further information is available from the FSCS at www.fscs.org.uk. Their telephone number is 0800 678 1100 or 020 7741 4100.

Nivante is the trading name of Eminence Risk Services Limited which is an appointed representative of Davies MGA Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Eminence Risk Services Limited is registered in England and Wales company number 13056384. Registered office at Brierly Place, New London Road, Chelmsford, Essex, England, CM2 0AP.

©2021 Nivante