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Terms & Conditions

Use of this Website (the Site) is subject to the Conditions of Use and Privacy Policy Statement that appear below; please read them carefully. By accessing the Site you are agreeing to these terms. If you do not agree to these terms, please leave the site immediately.

Principal & Registered Office: Kings Court, London Road, Stevenage, Herts SG1 2TP.

UIA (Insurance) Ltd is a member of the Association of British Insurers and is registered under the Industrial and Provident Societies Act - No. 2898R. Principal Office in England at the address above. UIA (Insurance Services) Ltd is registered under the Companies Act - No. 2998952. Registered Office in England at the address above. CWU Insurance, Unison Insurance, Unite Insurance, BFAWU Insurance, Napo Insurance, Ramblers Insurance, RMT Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd. UNISON, Unite, GMB, CWU, NASUWT, Usdaw, Ramblers' Association, BFAWU, NAPO, RMT and FBU, are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd.  UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. UIA (Insurance Services) Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Services Registration numbers are 110863 and 307925. Click here to check our entries.

Conditions of use  

Access to the site
The information on the Site is directed solely to residents of Great Britain and Northern Ireland.

Ownership of the site
All information on the Site, including all trademarks, service marks and trade names, is owned by UIA (Insurance) Ltd and subsidiary companies or its licensors. No licence, assignment or permission is granted by this site to use any such mark or trade name.

Except as expressly provided for below, you may not reproduce, modify or in any way use any of the information on the Site.

You may retrieve and display, print and store the information in electronic form on disk solely for your own personal use.

Product information
The descriptions of products offered by UIA contained in the Site are for information purposes only, and do not constitute a full description of the terms of those products. Full details of the terms applicable to each of our products are available on request.

Fraud Prevention and Claims History
In order to prevent and detect fraud we may at any time:

  • Share information about you with other organisations and public bodies including the police
  • Check and/or file your details with fraud prevention agencies and databases, and if you give us false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may also search these agencies and databases to:

  • Help make decisions about the provision and administration of insurance, credit and related services for you and members of your household
  • Trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance polices
  • Check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity
  • Undertake credit searches and additional fraud searches

We can supply on request further details of the database we access or contribute to.

Claims history 

  • Under the conditions of your policy you must tell us about any Insurance related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim. When you tell us about an incident we will pass information to CUE (Claims and Underwriting Exchange) where it will be recorded on a national database
  • We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal to validate your claims history or that of any other person or property likely to be involved in the policy or claim

You are entitled to receive a copy of the information we hold about you for a small fee. If you have any questions or you would like to find out more about this notice you can write to the Data Protection Officer at the address below or telephone 01438 761761.

Data Protection Officer UIA (Insurance) Ltd Kings Court London Road Stevenage Hertfordshire SG1 2TP

Exclusions and limitations
We do not give warranties of any kind in respect of the Site or its contents.

We will not be liable for damages arising out of or in connection with the use of the Site or the information in it. This limitation of liability applies to all damages of any kind including (but not exclusively) compensatory, direct or consequential losses caused by or arising from loss of income or profit and loss of or damage to property.

For the avoidance of doubt, liability for death or personal injury resulting from the negligence of UIA, its directors, employees or agents is not excluded. In addition, nothing in these Conditions of Use seeks to exclude any liability we have under the FSA Rules.

We give no warranty that the Site and content are free from viruses or anything else that has contaminating or destructive properties.

Alterations
We may from time to time revise the contents of the Site including these Conditions of Use. By using the Site, you agree now to be bound by the Conditions of Use in force at the time you use the Site.

We recommend you regularly revisit this page to ensure you have seen and are aware of our latest terms.

Links
Any links to other World Wide Web sites contained within the Site are included solely for convenience; there is no implied endorsement by us of sites provided by independent third parties. We are not responsible for the availability, content, accuracy or completeness of such sites. UIA does not take any responsibility for the content, accuracy or completeness of web sites that link to UIA's Site.

Choice of law and jurisdiction
The Conditions of Use and Privacy Policy Statement set out above shall be governed by, and construed in accordance with English law and the courts of England shall have exclusive jurisdiction in any dispute connected with them.

Contact details
UIA (Insurance) Ltd & UIA (Insurance Services) Ltd
Kings Court
London Road
Stevenage
Hertfordshire
SG1 2TP

Telephone and email
Telephone: +44 (0)1438 761761
Email: info@uia.co.uk 

For quality and protection, your call will be recorded. We exchange information with other insurance companies and the police to prevent fraud.

UIA - Third Party Providers
UIA Travel Insurance and Car Insurance are arranged and administered by Heath Lambert Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London, EC4N 8AW. Registered No. 1199129 England and Wales.

UIA Pet Insurance is arranged and administered by Petwise Health Insurance, which is a trading name of Thornside a division of BDML Connect Ltd. BDML Connect Limited, part of Capita PLC, 1000 Lakeside North Harbour, Western Road, Portsmouth, PO6 3FA. Registered in England number 2785540. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority 309140 www.fca.gov.uk. Policies are underwritten by Zenith Insurance PLC.

UIA Home Emergency Cover is administered by ARAG PLC and is underwritten by Brit Insurance Ltd. ARAG PLC is registered in England number 02585818. Registered Office: 9 Whiteladies Road, Clifton, Bristol, BS8 1NN. ARAG PLC is authorised and regulated by the Financial Conduct Authority (firm reference no. 452369) and is authorised to administer this insurance on behalf of Brit Insurance Limited.

UIA Legal Protection and ID Theft Protection (Classic, Flexi and Signature Home Insurance policies) is administered by ARAG plc under an agreement with Brit Insurance Limited, the underwriter for this Section. ARAG plc and Brit Insurance limited are authorised and regulated by the Financial Conduct Authority under references 452369 and 202898 respectively and this can be checked by visiting www.fsa.gov.uk/fsaregister 

UIA Legal Protection and ID Theft Protection (Standard Home Insurance policies) is underwritten by DAS Legal Expenses Insurance Company Ltd.  Head and Registered Office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH England. Registered in England and Wales, number 103274. DAS are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority number 202106, which can be checked at www.fsa.gov.uk/fsaregister.

 

UIA affinity partners main office contact details 

UNISON
UNISON Centre
130 Euston Road
London
NW1 2AY

Unite
35 King Street
Covent Garden
London
WC2E 8JG

GMB
GMB National Office
22 Stephenson Way
Euston
NW1 2HD

CWU
150 The Broadway
Wimbledon
SW19 1RX

NASUWT
Hillscourt Education Centre
Rose Hill
Rednal
Birmingham
B45 8RS

Usdaw
188 Wilmslow Road
Manchester
M14 6LJ

Ramblers' Association
2nd Floor
Camelford House
87-90 Albert Embankment
London SE1 7TW

Bakers, Food & Allied Workers' Union
Stanborough House
Great North Road
Stanborough
Welwyn Garden City
AL8 7TA

Napo
4 Chivalry Road
London
SW11 1HT

RMT
Unity House
39 Chalton Street
London
NW1 1JD

FBU
Bradley House
68 Coombe Road
Kingston upon Thames
Surrey
KT2 7AE

 Terms and Conditions of our most recent offer
Up to 40% off Home Insurance - 27th November 2013 to 23rd September 2014 

  • Up to 40% off Home Insurance is an introductory offer and applies to new customers only for the first 12 months of the policy.
  • Offer is subject to our usual acceptance and underwriting criteria.
  • The maximum of 40% discount is available if you have not made a claim in the past five years (including claims which were not met).  The following discounts apply if you have not made a claim between one and four years (including claims which were not met): 4 years - 35%, 3 years - 25%, 2 years - 10% and 1 year - 5%.  Proof of no claims may be required.
  • To be eligible for this offer a quote must be requested between 27.11.13 and 23.09.14.
  • Quotes are valid for 30 days.
  • A minimum premium is applicable to this offer.
  • If electing to pay by direct debit, the premium will be split over 10 monthly instalments.
  • This promotion is not available in conjunction with any other offer.
  • UIA reserves the right to withdraw the discount given, if it is found that inaccurate or incomplete information was knowingly given by the customer when answering questions about the property or their circumstances at the start of the policy.

Terms and Conditions of our previous offer 
25% off Home Insurance - 25th June to 26th November 2013  

  • 25% off Home Insurance is an introductory offer and applies to new customers only for the first 12 months of the policy and is subject to our usual acceptance and underwriting criteria.
  • To be eligible for this offer a quote must be requested between 25.06.13 and 26.11.13.  Quotes are valid for 30 days.
  • A minimum premium is applicable to this offer.
  • If electing to pay by direct debit, the premium will be split over 10 monthly instalments.
  • This promotion is not available in conjunction with any other offer.

Terms and Conditions of Marks and Spencer's incentive vouchers 

  • To qualify for a £20 M&S voucher a policy must be taken out before the closing date stated. For a policy voucher please allow 30 days from the date that UIA receives your full premium or the first monthly direct debit for delivery.
  • For a renewal voucher please allow 70 days from the date that UIA receives your full premium, or the first monthly direct debit following the renewed policy for delivery.
  • Only one voucher is permitted per household, per offer.
  • There are no alternatives to the Marks and Spencer's vouchers.
  • The vouchers will be sent directly to the correspondence address supplied.

Any queries regarding vouchers should be directed to the Marketing Department, UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage, SG1 2TP or please call 01438 761776.

'Win a year's free home insurance' competition - Terms and Conditions  

  • To be eligible, you must complete in full the data capture coupon or customer survey prize draw entry form.
  • Alternatively you can enter by writing to the Marketing Department at UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP, telling us your name, address, policy number, email address and telephone number.
  • The closing date for entries is 31st December 2014.
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families.
  • No liability can be accepted for entries lost, delayed or damaged either entered online or posted.
  • The prize is a year's free UIA home insurance. The winner's home insurance policy will be renewed for free when their current UIA policy runs out.
  • The winner will be drawn at random by 31st January 2015 and notified in writing by 7th February 2015.
  • For details of the winner, please send an SAE, no later than 28th February 2015 to: Winner, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

Any queries relating to this draw should be sent to the Marketing Department at the above address.
The winner may be asked to participate in promotional publicity relating to this promotion. 

 '5 chances to win' competition - Terms and Conditions  

  • To be eligible, you must complete in full the on-line data capture coupon, including all mandatory fields highlighted with an asterisk.
  • Alternatively you can enter by writing to the Marketing Department at UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP, telling us: your name, address, union membership number and home insurance renewal date.
  • The closing date for entries is 30th September 2014.
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families.
  • No liability can be accepted for entries lost, delayed or damaged either entered on-line or posted.
  • The competition includes five prizes consisting of: 1x £250 voucher, 1x £100 voucher, 3x £50 voucher 
  • There is no cash alternative or refund available.
  • The winners of the draw will be selected at random on the 10th October 2014 and notified in writing within 7 days.
  • For details of the winner, please send an SAE, no later than 31st October 2014 to: Winner, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP.

Any queries relating to this draw should be sent to the Marketing Department at the above address. 
The winner may be asked to participate in promotional publicity relating to this promotion. 
UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value.
UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time.

Unite LV price match offer 

  • Unite LV price match is an introductory offer and applies to new customers only for the first 12 months of the policy. Offer is subject to our usual acceptance and underwriting criteria.
  • Price match is applicable up to a maximum of £100 difference. Offer is subject to comparable policy conditions and cover. Proof of current premium/cover may be requested.
  • Offer is only available when a quote is requested by phone and the campaign code "Unite LV" is quoted. 
  • To be eligible for the offer a quote must be requested by 26.11.13. Quotes are valid for 30 days.
  • A minimum premium is applicable to this offer.
  • If electing to pay by direct debit, the premium will be split over 10 monthly instalments.

Any queries relating to this draw should be sent to the Marketing Department at the above address.

Win £150 Love2Shop Vouchers 

  • To enter, simply obtain a Home Insurance quote by telephone, quoting reference "GMB MAIL" before 23rd September 2014. No purchase necessary.
  • One entry is permitted per household. The draw is not open to employees of UIA (Insurance) Ltd and UIA (Call Centres) Ltd, their agents or families.
  • The winner of the draw will be selected at random on the 16th October 2014 and will be notified within 7 days. The result of the prize draw is final and binding in all matters and no correspondence will be entered into.
  • The winner may be asked to participate in promotional publicity relating to this promotion.
  • UIA (Insurance) Ltd reserves the right in its reasonable discretion to substitute any prize with an alternative prize of equal value.
  • UIA (Insurance) Ltd reserves the right to amend the prize draw terms and conditions and to withdraw the prize at any time.
  • For details of the winner, please send an SAE, no later than 31st October 2014 to: £150 Love2Shop Voucher winner, Marketing Dept., UIA (Insurance) Ltd, Kings Court, London Rd, Stevenage SG1 2TP

Any queries relating to this draw should be sent to the Marketing Department at the above address.

 

These terms and conditions were updated on this site in June 2014.

 

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What our clients say

Simply the best

"The advisors on the Customer service line are very friendly and informative and will explain everything in detail if required. An excellent, friendly and value for money insurance. "
Ms Williamson, Nottingham

 

UNISON, Unite, CWU, Usdaw, NASUWT, RMT, Ramblers' Association, BFAWU, FBU, NAPO and GMB are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd.  UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. UIA (Insurance Services) Ltd is authorised and regulated by the Financial Conduct Authority.  CWU Insurance, Unite Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd.