We offer a range of general insurance policies, together with optional extras (Home Emergency Cover, Let Home Emergency Cover, Family Legal Expenses or Landlord Legal Expenses) to run alongside your home or landlord insurance policy.
We only offer products available from Uinsure Limited. These products are designed, developed and marketed by us, but will be underwritten by a separate company from our carefully selected panel of insurers.
For Home Insurance policies our panel includes Ageas (UK) Limited, Allianz Group, Covéa Insurance plc and RSA Insurance Group Ltd.
For Landlord Insurance policies our panel includes Ageas (UK) Limited, , RSA Insurance Group Ltd, and BSpoke Underwriting Ltd.
Your insurance policy may have been sold to you by a financial adviser or mortgage broker. In this situation, you may receive (or may have received) advice or a recommendation from your financial adviser or mortgage broker, but you will not receive advice or a recommendation directly from Uinsure. We 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.
If your insurance policy was sold to you directly by Uinsure, upon assessment of your requirements, we will make a recommendation to you. Our advice will be confirmed in a Demands and Needs statement which will clearly state the reason for our recommendation.
Our staff are paid a salary and we operate an internal bonus scheme covering a wide range of criteria including performance rating and the achievement of quality and sales targets. This means that advisers and other staff may receive a bonus which is paid by Uinsure and not by our insurers.
In some circumstances, such as when renewing your policy or where we may simply provide you with information on a product, we will make this clear to you in our documentation.
By taking out a Uinsure Home Insurance policy or Uinsure Landlord Insurance policy, you are agreeing to enter into two separate contracts.
The first contract is with us for arranging and administering your insurance policy on your behalf (“Administration Contract”), and the terms and conditions of this first contract are included within this document.
We perform a number of services on behalf of your insurer. This includes the administration of your policy, premium collection and the handling of claims.
Uinsure will charge a Policy Administration Fee each year to administer your policy. The Policy Administration Fee is identified separately on your Policy Schedule.
If you decide to pay for your policy monthly we may allow you to spread the Policy Administration Fee over 12 monthly payments.
The second contract will be between you and the insurer and this will be for the provision of your insurance cover (“Insurance Contract”). The insurer’s terms and conditions are set out in the Policy Wording Booklet, Statement of Insurance and your Policy Schedule. They will charge you a separate premium inclusive of Insurance Premium Tax, as applicable. If you purchase any optional extra products you will enter into further contracts with each insurer on the same basis as the second contract.
We act on your behalf when arranging your policy. For this we receive commission from our insurers. This is a percentage of the insurance premium paid and is included in the premium you pay.
If you choose to pay for your policy by monthly instalments you may be introduced to Close Brothers Premium Finance who will also apply some fees. Fees charged by Close Brothers Premium Finance will be communicated to you before the credit agreement is entered into. Close Brothers Premium Finance may also pay us a commission for introducing to you to them.
We may also receive additional payments from our insurers by sharing any profit that they make on the policies arranged and administered by us.