Terms & conditions
Accuracy of content and information
Information on the pages of this website ("the Information") is given by us in good faith. Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the Information, we accept no liability for any errors or omissions, nor do we give any warranty or representation as to the accuracy or reliability of the Information.
Limitation of liability
Please note that NFU Mutual will not be liable for any direct, indirect, incidental, special or consequential damages or loss of profit or opportunity whatsoever whether in contract or tort or otherwise arising from (1) any action you may take in reliance on the Information, (2) the use of or inability to use our website, (3) third party services outside our reasonable control and for the avoidance of doubt and whether or not the relevant loss arises by reason of our negligence. Nothing in these Terms and Conditions shall exclude our liability for personal injury or death or for fraudulent misrepresentation.
Changes to terms and conditions
We reserve the right to make any changes to these Terms and Conditions at any time. Please check this page regularly for any changes.
Validity of information
Should you wish to ensure the validity of, or rely on the Information, we would advise you to contact us directly.
Copyright
Copyright in the Information is owned by NFU Mutual. You may use the Information and reproduce it in hard copy for your own personal reference use only. The Information may not otherwise be reproduced, distributed or transmitted to any other person or incorporated in any way into another document or other material without the prior written permission of NFU Mutual.
Please note that you are expressly prohibited from altering, modifying,
adapting or deleting any aspect of this website, including any data held on it.
UK only
NFU Mutual only provides the products and services advertised on this website in the United Kingdom.
Law applicable
You and NFU Mutual, the parties to the insurance contract, have the right to choose the law applicable to it. In the absence of specific agreement, these Terms and Conditions and the insurance contract are governed by and construed in accordance with English Law. Should a dispute arise connected with you using our website it shall be resolved through the exclusive jurisdiction of English Courts.
Industry and regulatory bodies
Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). NFU Mutual and its associated companies are authorised and regulated by the Financial Services Authority (FSA).
Data protection act
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NFU Mutual is the Data Controller and will process any personal data you give us in accordance with the Data Protection Act 1998. By submitting personal data about you and others within this website, you and they consent to its use as set out in this notice. Some or all of the data you supply to NFU Mutual in connection with your insurance will be held on computer and may be passed to other insurance companies in order to administer the policy for underwriting and claims handling purposes. We may pass your details to credit reference agencies for the purpose of arranging payments by installments, and may also pass to them records of your payment history with us. We may use your data to carry out research. Your data may be passed to regulatory or other such bodies in order to review our services. Your data may be used in connection with the prevention or detection of crime. The information you provide in connection with a claim will be passed to other insurers and their agents to prevent fraudulent claims via the Claims and Underwriting Exchange Register, operated by Database Services Ltd. A list of participants is available on request.
Marketing
We may use some of the information you give us to advise
you of other products and services offered by the NFU Mutual group
and its associated companies, by letter, telephone or email. If you
would like details of the companies referred to above or you do not
wish to receive such details please write to NFU Mutual (Secretarial
Department) at Tiddington Road, Stratford upon Avon, Warwickshire,
CV37 7BJ. Alternatively please email us using the contact
us enquiry form.
NFU Mutual policy on genetic tests
NFU Mutual operates a moratorium in respect of genetic test results whereby the applicant does not need to tell us about any genetic test result they have had if the application is for life assurance, critical illness or income protection policies where the sum assured when taken together with any simultaneous applications and any existing policies already held for this type of insurance totals £500,000 or less.
Above these limits we need to be told only about certain genetic test results which have been approved for insurers to use by the Government's Genetics and Insurance Committee (GAIC).
Currently only one test has been approved which is for Huntington's Disease and this is in respect of life assurance applications only.
If an applicant wishes to disclose to us a negative genetic test result which shows that they have not inherited a genetic disorder then we will take this into account in setting the premium, providing the clinical geneticist confirms that the test result indicates a reduced risk of inheriting the disease.
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