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Tempcover Help - terms conditions

Terms & conditions

Customer terms of business (“Terms of Business”)

Tempcover Ltd (“Tempcover”)
2nd Floor Admiral House, Harlington Way, Fleet, Hampshire, GU51 4BB

  1. Who Regulates Us?

    The FCA is the independent watchdog that regulates financial services, including insurance. Please use this information to decide if our services are right for you.

    Tempcover Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 746985. You can check this at https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. Our permitted business is arranging and assisting in the administration and performance of a contract of insurance.

  2. What service will we provide you with?

    We offer short-term motor insurance policies under 1 month in duration and other short-term motor policies exceeding 30 days such as learner driver insurance.

    If we arrange a policy for you, we will not provide you with advice or a personal recommendation. We will help you make the right choice by asking some questions to narrow down the selection of cover options and provide information relevant to your insurance demands and needs. This will involve us providing you with a quotation. You will then need to make your own choice about how to proceed. We can answer any questions you may have but we will not be able to advise you.

    In completing our on-line quotation, you have requested short-term motor insurance in accordance with the information that you have provided. The standard private car and commercial vehicle policies that we arrange and administer are suitable for people who require short-term motor insurance cover on a comprehensive basis whilst driving in the United Kingdom.

  3. Who do we act for?

    As an insurance intermediary we act as an agent of the insurer when arranging and assisting in the administration of the policy of insurance that you purchase. We will source the best price for you and present this to you alongside documentation for you to read to make an informed decision about your purchase.

    However, in certain circumstances we may act for and owe duties of care to other parties. We will inform you when these circumstances occur so you will be aware of any possible conflict of interest.

  4. Whose products we offer

    We offer policies representative of a wide range of insurers and products that offer the types of cover required. We compare policies from those insurance providers in terms of cover and price, to offer an appropriate quotation for you, which will generally be the cheapest quotation based on the information that you have provided about yourself and your needs.

    The price for the policy in question will be correct at the time of original quotation but is not guaranteed if it is not purchased at the time the quotation is provided and may change. Prices may change for  a variety of reasons, including but not limited to the insurance provider simply deciding to change the premium rate it will offer the cover for and changes to the insurance provider’s acceptance criteria and/or the administration fees charged by ourselves.

    Whilst we take every care to check the financial stability of any insurance provider/s on our panel, we cannot be held responsible if that firm subsequently ceases to trade.

  5. What will you to have to pay for our services and how can you pay us for our services?

    We charge an administration fee to cover the services that we provide for the carrying out of work preparatory to the conclusion of the policy and the provision of assistance in the arranging, administration and performance of the insurance contract (excluding claims handling).

    In addition to any premium or charges applied by the insurer (which includes our commission for pricing your insurance business), we may apply no more than the following charges for arranging and administering your insurance. These charges are directly payable to Tempcover under a separate contract.

     Temporary Car InsuranceTemporary Van InsuranceTemporary Bike InsuranceTemporary Learner InsuranceImpounded Vehicle Insurance
    Maximum Administration Fee Payable to Tempcover£50.00£50.00£15.00£20.00£20.00


    The amount of the charge will always be presented to you before you purchase the policy – look out for the information icon (i) on the quote page to view the policy cost breakdown. This fee is based on the cost of executing the following checks: identity validation check, driving licence check (where required), passport check (where required), vehicle registration look-up and postcode validation check. This fee is also dependant on the demand at the time your quote request is made. We receive commission from our insurance provider/s in relation to any policy that we arrange  which is a percentage of the premium paid by you, which means that a percentage of the premium you pay is paid by the insurance provider  to us.  We may also participate in performance-based profit share agreements with overriding commissions from time to time with insurance providers. The quotation we offer is based on the best price available at the time of quotation for the cover you have requested.

    We earn the entirety of our commission and/or fees when your risk is successfully placed and take our commission and/or fees immediately upon receipt of payment unless agreed otherwise with your insurer. You are entitled at any time, to request information about earnings that we receive as a result of placing your business. Remuneration is only earned on the basis that it does not detract from our obligation to act in our client’s best interest at all times.

    We currently accept payment by Debit or Credit card. We require full payment of the premium before your policy can be completed and documents issued to you.

  6. How we will handle your money?

    We act as agent of the insurance provider/s for the collection of premium and where applicable any refunds. This means that premiums are treated as being received by the insurance provider/s when received in our separate insurer trust account and the insurance provider will bear the risk for any losses that may arise from the failure of our firm. This means that the policy will start on the agreed start date irrespective of whether the insurance provider/s received payment of the premium. Any interest, or investment returns, earned on monies whilst in our possession will be retained by ourselves.

  7. Your duty to disclose information

    If you are a consumer and enter into a contract of insurance wholly for non-business purposes you are under a legal duty to take reasonable care not to misrepresent information to insurers. If you misrepresent information deliberately, recklessly or carelessly respond to insurer questions then a claim under the policy may not be paid. If you are a commercial customer, entering into a contract of insurance by way of business, you have a duty of fair disclosure.

  8. Changes, Cancellations and Refunds

    Policies of 30 days or less duration:
    If your policy is for 30 days or less in duration, once purchased you will not be able to make any changes or additions to the policy and due to the short period nature of the policy, you will not be entitled to a refund of any monies paid if you cancel your policy. This is in line with the guidance set by the Financial Conduct Authority. You can view this in the FCA’s Handbook under ICOBS 7.1 ‘The right to cancel’, specifically section 7.1.3 ‘Exceptions to the right to cancel’.

    Learner Driver policy of 60 or 90 days duration:
    If you have purchased a learner driver policy for 60 or 90 days in length and you cancel your policy within 14 days from the start date you will be applicable for a refund of the premium paid less a pro-rata sum for the period of cover provided and less our administration fee of £15.

  9. Claims

    In the unfortunate event of an accident or incident involving your vehicle, our dedicated claims handling team are here to help. For any claims related queries please call 0333 241 3392. As part of our service, we can help you to notify your claim correctly. If you are ever in any doubt as to what action to take in the event of a claim, please contact us on the number provided or email us at contactus@tempcover.com.

  10. What to do if you are unhappy about our service?

    Every effort is made to ensure that we provide you with a high level of customer service at all times. However, if you need to bring any matter to our attention or wish to register a complaint about Tempcover, please contact us:

    • in writing: to Head of Customer Experience, Tempcover Limited, 2nd Floor Admiral House, Harrington Way, Fleet, Hampshire, GU51 4BB;
    • by email: complaints@tempcover.com for the attention of the Head of Customer Experience; or
    • by telephone: 0330 124 3832. This line is open 9am to 5.30pm Monday to Friday, excluding Bank Holidays and is used solely for the purpose of registering a complaint with Tempcover.

    To help us continually improve our service, and in the interests of security, your communications may be monitored and/or recorded. Following the complaints procedure does not affect your right to take legal action. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (“FOS”). Further information is available by contacting them on 0800 023 4567 or by visiting their website on: www.financial-ombudsman.org.uk

    As you have purchased your policy online and are unhappy with the policy or service provided you may complain via the Online Dispute Resolution platform developed and operated by the European Commission at the following website: www.ec.europa.eu/odr. However, in the majority of cases, this will result in your complaint being handled by the FOS.

  11. Are we covered by the Financial Services Compensation Scheme (FSCS)?

    Our obligations are covered by the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations, you could be entitled to compensation from this scheme, depending on the type of insurance and the circumstances at the time. We are protected by the FSCS. You may be entitled to compensation from the scheme if it cannot meet its obligations. Further information about compensation scheme arrangements is available on the FSCS website: www.fscs.org.uk or telephone 0800 678 1100.

  12. Confidentiality

    All personal information about you will be treated as private and confidential. We are registered under the Data Protection Act 2018 and we undertake to comply with the Act in all our dealings with your personal data. Your personal information will be kept secure.

    For further information please view our Privacy Notice at: https://www.tempcover.com/privacy-policy.

  13. Conflicts of Interest

    We have no close links with our insurance providers. We manage our conflicts of interest by monitoring the outcomes of our customers. There may be occasions when a potential conflict of interest arises. If this happens, we will inform you and obtain your consent before we carry out your instructions.

  14. Your Schedule/Certificate of Insurance

    Your policy schedule and certificate of insurance will not be provided by us until we are in receipt of full payment of the policy premium. Once received, these will be issued to you on the policy confirmation and will be sent to you by email to the email address that you provide. You may also request a postal copy, free of charge. To request this please contact us on contactus@tempcover.com.

  15. Claims and Underwriting Exchange Register and Motor Insurance Anti-Fraud Register

    Insurers pass information to the Claims and Underwriting Exchange Register operated by Insurance Database Services Limited and the Motor Insurance Anti-Fraud and Theft Register compiled by the Association of British Insurers. The objective is to check information provided and to prevent fraudulent claims. Motor insurance details are also added to the Motor Insurance Database operated by the Motor Insurers’ Information Centre (MIIC), which has been formed to help identify uninsured drivers and may be accessed by the police to help confirm who is insured to drive. In the event of an accident, this database may be used by insurers, MIIC and your motor insurer to identify relevant policy information. Other insurance related databases may also be added in the future.

  16. Privacy Notice

    When you contact us for an insurance quotation we collect the relevant personal information needed by an insurer to understand your insurance needs and calculate the premium. Under the Data Protection Act you various rights which are detailed in our Privacy Policy.

    For further information relating to your rights as a data subject please view our Privacy Notice at: https://www.tempcover.com/privacy-policy.

  17. Applicable law

    This Terms of Business document is subject to English Law and the jurisdiction of English Courts.

  18. Version Control

    Last updated: 17th June 2021

Website terms and conditions of use

  1. Definition:

    “You/you”: In the case of Agents, “You/you” means the intermediary holding the agency. In the case customers dealing with us direct, “You/you” means the Policyholder and where applicable any additional drivers. “The Company”, “We”, “Us”, “Our” are all terms referring to Tempcover Ltd.


    These are the General Trading Terms of Tempcover Ltd. Please read these Trading Terms carefully. Your use of our Website will be subject to these Trading Terms. When you access and use our site, you agree to the Trading Terms. If you do not wish to adhere to the Trading Terms, you should not use our site.

  3. As a condition of your use of this Website you agree that you will NOT:

    1. Reverse engineer or de-compile (whether in whole or in part) any software at the Website (save to the extent expressly permitted by applicable law).
    2. Disclose, publish, transfer or otherwise make available any of the contents of the Website or information learned by you whilst using the Website without prior written consent.
    3. Enter those parts of the Website that are protected by password unless you have a valid password.
    4. Remove any copyright, trademark or other intellectual property right notices contained in material on the Website.
    5. Make copies, modify or alter (including the creation of HTML links to or from the Website) all or any part of the Website or any materials contained on the Website without prior written agreement.
    6. Publish, post, upload, distribute, disseminate or otherwise transmit, information or pictures that are obscene or pornographic, threatening, menacing, racist, offensive, defamatory, libellous, slanderous or are otherwise unlawful on the Website.
    7. Hack into, deliver viruses or forward chain letters, surveys, contests, pyramid schemes or engage in any other behaviour intended to inhibit any other user from using and enjoying the Website or is otherwise likely to damage or destroy the reputation of the Website.

    These are the General Trading Terms of Tempcover Ltd. Please read these Trading Terms carefully. Your use of our Website will be subject to these Trading Terms. When you access and use our site, you agree to the Trading Terms. If you do not wish to adhere to the Trading Terms, you should not use our site.

  4. Ownership:

    The Website (including the software used to operate it) and the trademarks used in connection with the Website are owned by us. You are not granted any right or interest in these except as stated in these terms. We reserve the right to block access to the Website of any user at any time, either temporarily or permanently, if we deem in our absolute discretion that it is reasonable to do so.

  5. Security/Confidentiality:

    The information you supply will be kept confidential to us and our associated and/or subsidiary companies and the Insurers with whom we deal, save or unless we are required by law to make any disclosure. We have taken care to protect any information that you provide to us. We have used encryption methods to keep your personal information and credit or debit card account details as secure as possible.To prevent fraud and to ensure that we provide our customers with the most competitive quotations, we carry out identity checks for every quotation which we issue. This will not affect your credit history but a note of the check may be recorded.

    If you are an agent then your agent login and password is unique and this helps us to protect your information. Agents will need their agent login and password to access their information on the website. Agents should therefore not disclose either their Agent login or password to anyone. We will accept no responsibility or liability if a third party obtains and uses any agency login or password. Agents must tell us immediately if they have lost their agency login or password, or if they believe a third party may have obtained either of them.

  6. Domicile:

    Our products are available to UK residents and depending on the insurer cover may also be available for overseas visitors, excluding residents of the USA, Canada and Australia. By completing a request for a quotation and ticking the relevant box on the Proposers Declaration, you confirm that you comply to these conditions. The content of the site and the products and services offered by us comply with appropriate UK legislation and regulation.

  7. Copyright:

    The copyright in the material contained in this Website belongs to Tempcover Ltd or its licensed source. We may give permission for any person to copy any part of this material, subject to the following conditions:

    1. The material may not be used for any commercial purposes.
    2. The copies must retain any copyrights or other intellectual property notices contained in the original material.
    3. The products and technology or processes described in this Website may be subject to other intellectual property rights reserved by Tempcover Ltd or by other third parties (and no licence is granted in respect of those intellectual property rights).
    4. Images on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s).

    Anyone wishing to copy any part of the site or any material contained therein should contact us for prior permission.

  8. Terms of Business Agreement (TOBA):

    It is a requirement of any transaction with The Company that the Agent complies with the Terms of Business Agreement between the Company and the Agent. In the event of conflict between anything contained within these General Trading Terms and the TOBA, then the TOBA shall be read as the overriding document.

  9. Changes to Terms and Records of Agreements:

    We reserve the right to change these terms and conditions of use at any time by posting changes on the Website. It is your responsibility to review the Website terms and conditions regularly to ensure you are aware of our latest terms and conditions of use. Your use of this Website after a change has been posted will be deemed to signify your acceptance of the modified terms and conditions. We recommend that you print off and retain for your records a copy of these terms and conditions of use from time to time and a copy of any terms and conditions of use relating to any product or service which you apply for on-line, together with any related application and/or proposal form duly completed and submitted to us (and received by us). Any amendment to any terms and conditions of use must be agreed in writing by us, or, if appropriate, by the relevant company with whom you contract.

  10. Disclaimer:

    Whilst we have taken care in the preparation of the contents of this Website, this Website and the information, names, images, pictures, logos, icons regarding or relating to us or any of our Group and/or associated and/or sister companies, or the products and services of the same (or to third party products and services), are provided on an “as existing” basis without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will we and/or our group, sister or associated companies be liable (whether in contract or tort, including negligence or breach of statutory duty or otherwise) for any losses sustained and arising out of or in connection with use of this Website including, without limitation, indirect or consequential losses, loss of profit, loss of data or special loss. We do not represent that the information contained in this Website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in the Website or for any reliance placed by any person or party (including but not limited to any third party) on the information contained herein. We do not warrant that the functions or materials accessible from or contained in this Website will be uninterrupted or error free, that defects will be corrected or that this Website or the server that makes it available are virus or bug free or represent the full functionality, accuracy or reliability of the materials. If any of these Terms and Conditions of Use (or any terms and conditions relating to a product or service referred to in this Website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws or any state or country in which such terms and conditions of use are intended to be effective, then to the extent of such illegality, invalidity or un-enforceability, and in relation to such state or country only, such terms or conditions of use shall be deleted and severed from the rest of the relevant terms and conditions of use and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude our liability for death or personal injury resulting from our negligence.

  11. Headings:

    Headings used in these terms and conditions of use are for convenience only and shall not affect their interpretation.

  12. Jurisdiction and Law:

    We make no representation that any product or service referred to on the Website is appropriate for use, or available in other locations. The information and other materials contained in this Website may not satisfy the laws of any other country and those who choose to access this site from other locations are responsible for compliance with local laws if and to the extent local laws are applicable. The phone numbers provided only apply to phone calls made from within the UK. These Terms and Conditions and any terms and conditions of use relating to products or services described in this Website shall be governed by and construed in accordance with the laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.

  13. Links to other Websites:

    Certain (hypertext) links may lead you to Websites that are not under the control of Tempcover Ltd. When you activate any of these links, you will leave our Website and we have no control over and will accept no responsibility or liability in respect of the material on any such other Website. By allowing links with third party Websites we do not intend to solicit business or offer any security to any person in any country, directly or indirectly.

  14. Monitoring of Phone Calls/Emails:

    Entirely subject to our Privacy Policy, telephone calls using the telephone numbers provided on this Website and email correspondence with us at the email addresses accessible through, or discernible from, this Website may be recorded or monitored. By using such communication methods you are consenting to the recording or monitoring of the same.

  15. Product Terms and Conditions:

    If you apply for any product or service detailed on this Website, these Terms and Conditions of use should be read in conjunction with any other terms and conditions of use which relate to any such product or service and, in the event of any contradiction between these Terms and Conditions of use and the specific terms and conditions relating to such produce or service, the latter shall prevail. For the purposes of these Terms and Conditions of use, product(s) and service(s) shall include, without limitation, any insurance or financial service.

  16. Trademarks:

    The images, logos and names on this Website identify Tempcover Ltd. Nothing contained in this Website shall be deemed to confer on any person any licence or right on the part of the companies mentioned above or any third party with respect to any such image, logo or name.