Terms of Website Use

Introduction

These Terms of Website Use govern access to and use of the Niche Cover Limited website located at www.nichecover.co.uk.

By accessing or using this website, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use this website.

Niche Cover Limited is registered in England and Wales under company number 12611667 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1018685.

Intended Audience

This website is intended solely for insurance professionals and FCA-authorised insurance intermediaries operating within the United Kingdom.

The information contained on this website is not directed at retail customers and should not be relied upon by consumers when making insurance purchasing decisions.

Website Content

The information contained on this website is provided for general information purposes only.

Whilst we take reasonable care to ensure information is accurate and up to date, we do not guarantee that all information published on this website is complete, current or free from error.

Nothing contained on this website constitutes:

• Financial advice.
• Insurance advice.
• Legal advice.
• A recommendation to purchase any insurance product.
• A binding offer of insurance.

Any insurance cover is subject to underwriting acceptance, policy terms, conditions, exclusions and insurer requirements.

Insurance Products and Services

Niche Cover Limited operates as a wholesale insurance intermediary specialising in motor trade insurance products.

Access to quotations, policy placement facilities and related services is available only to approved intermediary partners.

Insurance products and services are subject to separate contractual documentation including:

• Terms of Business Agreements.
• Agency Agreements.
• Policy Wordings.
• Underwriting Criteria.
• Product Documentation.

Where there is any inconsistency between these Terms and any contractual documentation, the contractual documentation shall prevail.

Broker Portal Access

Access to restricted areas of the website and broker portal is limited to authorised users.

Users are responsible for maintaining the confidentiality of their login credentials and must take reasonable steps to prevent unauthorised access.

We reserve the right to suspend, restrict or withdraw access where we reasonably believe:

• Security has been compromised.
• The user is no longer authorised.
• Regulatory requirements require us to do so.
• These Terms have been breached.

Acceptable Use

You must not:

• Use the website in breach of any applicable law or regulation.
• Attempt to gain unauthorised access to any system, account or data.
• Introduce viruses, malware or malicious code.
• Interfere with the operation or security of the website.
• Use the website in a manner likely to damage our reputation or business.
• Misrepresent your identity or authority.

Automated Access and Data Collection

You must not use automated tools, bots, scrapers, crawlers or similar technologies to access, extract, copy or monitor content from this website without our prior written consent.

Content published on this website may not be used for the training of artificial intelligence models, large language models or similar systems without our prior written permission.

Intellectual Property

All content on this website, including text, graphics, branding, logos, software, design elements and other materials, is owned by or licensed to Niche Cover Limited.

All intellectual property rights are reserved.

You may view and print content for legitimate business purposes only. No content may be copied, reproduced, distributed, republished or commercially exploited without our prior written consent.

Third-Party Links

This website may contain links to third-party websites.

Such links are provided for convenience only. We do not endorse, control or accept responsibility for the content, availability or security of any third-party website.

Limitation of Liability

Nothing in these Terms excludes or limits any liability which cannot lawfully be excluded or limited.

To the fullest extent permitted by law, Niche Cover Limited shall not be liable for any indirect, consequential or economic loss arising from the use of, or inability to use, this website.

We do not guarantee that the website will always be available, uninterrupted, secure or free from defects.

Suspension and Withdrawal

We reserve the right to suspend, withdraw, amend or restrict access to any part of the website at any time without notice.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales.

Any dispute arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Changes to These Terms

We may amend these Terms from time to time. Updated versions will be published on this website and will take effect immediately upon publication.

Contact Us

If you have any questions regarding these Terms, please contact: