| Who We Are
OUL Direct is a trading name of Ancile Insurance Group Ltd. If you would like to find out more about the group, please visit our website at www.ancileinsurance.com
Ancile Insurance Group Ltd is authorised and regulated by the Financial Services Authority - no. 471641
Disclaimer
Ancile Insurance Group Ltd will not be liable for any loss or damage arising from your use of this website.
Insurer
MAPFRE Asistencia, with registered office at Alpha House, 5th Floor, 24A Lime Street, London, EC3 7HS; and corporate tax number 680/1807623857. MAPFRE Asistencia is duly registered with Companies House under Branch Number BR008042 and Company Number FC02197. MAPFRE Asistencia is authorized by the Financial Service Authority (FSA) to operate in the United Kingdom according to the right of freedom of establishment of the European Union and the European Economic Area (EEA) legislation.
Trade Marks, Copyright and other Intellectual Property rights
Ancile Insurance Group Ltd or its Group Companies claim rights to all trademarks, service marks and logos contained on this site. All rights are expressly reserved.
Copyright and all other intellectual property rights existing within this website belong to Ancile Insurance Group Ltd or its Group Companies, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part without the prior written consent of Ancile Insurance Group Ltd.
These intellectual property rights including, without limitation, all database rights and rights in designs in all cases whether registered or unregistered - are hereby reserved.
You are not permitted to download, print, redistribute or extract any information from this website other than for your personal, non-commercial use. You are not permitted to reproduce, modify or in any way change any of the information available on this website.
United Kingdom Only
Our insurance is available to residents of the UK only and is governed by the law applicable to where you reside within the UK. The use of this website is governed by and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.
Our Website Availability, Accuracy and Validity of Information
Ancile Insurance Group Ltd take all reasonable steps to ensure that the information contained within these pages is at all times accurate at the date of publication, we do not accept any liability for any errors or omissions within it.
If you are in any doubt as to the validity or accuracy of any information on this website then please contact us immediately.
Ancile Insurance Group Ltd endeavour to ensure our website is accessible at all time, however we will not be held liable if, for any reason, the website is unavailable for any period of time. We have the right to suspend access to the website for updates and maintenance without notice but we will of course always try to keep any disruption to a minimum.
In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.
Acceptance
By purchasing insurance through our website you are deemed to have accepted our terms so please read the policy wording carefully.
Block Transfers
In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial to our clients.
This document constitutes both your acceptance that we do this and your prior request for us so to do.
Third Party Websites & Hyperlinks
This website also contains hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites rests solely with the company controlling the third party website and will be governed by separate terms and conditions. We do not accept any responsibility or liability for the contents of any linked website.
Variations
We reserve the right to amend these terms from time to time without notice to you.
Terms Of Business (TOBA)
Please also see our Terms Of Business for further information regarding Ancile Insurance Group Ltd and how we conduct our business.
Security
Ancile Insurance Group Ltd takes every reasonable step to ensure that any information you provide via the forms on this website is kept secure, however due to the nature of the internet, we cannot guarantee the security or privacy of emails or that any emails sent will be received by us.
Renewal of annual travel insurance policies
All renewals are at our discretion.
We will notify you that your policy is due for renewal 28 days before it expires and include a quotation based closely on your current cover type.
Where possible we will automatically renew your policy for a further 12 months.
Automatic credit card renewal ensures that you never have to worry about travelling uninsured. We will debit your payment card annually.
Contact details will be provided along with your renewal quotation so that you can get in touch if you need to make any changes to your cover, for instance; declare a medical condition, add extra cover for sports or activities, change the geographic area or the level of cover required.
Payment will be taken from your card on the renewal date. If we are unable to renew your policy for any reason, we will contact you by email, letter or telephone.
If you would prefer not to automatically renew your annual travel insurance you can let us know by email, telephone or letter at any time. In this instance we will contact you to let you know when your policy is due to expire but will not issue a new policy or charge your card unless you instruct us to do so.
Once your policy has been renewed, whether automatically or after your instruction, you have a 14 day cooling off period, when you can cancel the cover and receive a full refund, provided no claim has been made.
We are unable to automatically renew your policy if you have any pre-existing medical conditions.
PRIVACY POLICY
Ancile Insurance Group Ltd. (We) are committed to protecting your privacy. We comply with the principles of the Data Protection Act 1998 and aim to maintain consistently high levels of best practice in our processing of personal and/or sensitive personal data.
How we use information you provide us
Any personal information you supply to Ancile Insurance Group Ltd. via this website will be treated in accordance with the Data Protection Act 1998.
We use the information that you provide to us for the following purposes:
1.For the purposes of insurance administration by the Ancile Insurance Group of companies or our agents;
2.To offer renewal of cover (if you have taken out an annual multi trip policy that can be renewed);
3.For the investigation of or prevention of crime;
4.For research and statistical purposes;
5.To disclose to regulatory bodies for the purposes of monitoring and/or enforcing our compliance with their requirements;
6.For marketing purposes:
We do not sell, trade, or rent your personal information to others.
We store all the information you provide us, including information provided via forms you complete on our website, and information which we may collect from your browsing. Our server, in common with nearly all web servers, logs each page that is downloaded from the site.
In the event that a third party may deliver all or part of the service requested by you, whilst the information you provide will be disclosed to them, it will only be used for the administration of the service provided and to maintain management information for business analysis.
We ask for your home, mobile telephone number, and email address to enable us to contact you in relation to an enquiry you have made, to contact you about relevant products or services, to contact you if there is a problem with your order, or there is another genuine reason for doing so.
Generally by providing the requested data you consent to Ancile Insurance Group Ltd. using that data for administrative purposes and for informing you of other products and services by letter, SMS, telephone and/or email.
Each time you receive marketing information you have the option to opt out of receiving further marketing information from us. If you wish to exercise this opt-out, please write to Ancile Insurance Group Ltd. Kao Hockham Building, Edinburgh Way, Harlow, Essex. CM20 2NQ.
Your consent
Before you provide any data to us, we will endeavour to make it clear why we need it. Sometimes we may need sensitive personal data (examples might be past medical history). When this is required we will obtain your consent first. Otherwise, by providing us with information, either orally or written, or by using our website, you consent to the collection, use and processing of this information by Ancile Insurance Group Ltd to provide and send you information about their services. At times the personal information that you have provided may be sent to you via email to verify quotations or confirm cover.
Please note that we provide products and services outside the European Economic Area (EAA). Therefore if you travel on such holidays, and it is deemed necessary to provide the cover you have purchased, the information you provide may occasionally be transferred outside the European Economic Area. It is worth noting however that some non-EEA countries do not afford the same level of data security as the UK. By submitting your details, you consent to this transfer. We will always use every reasonable effort to ensure sufficient protections are in place to safeguard your personal information.
Marketing consent
Ancile Insurance Group Ltd. has adopted the following procedure in gaining your consent to be placed on its marketing lists.
When you first make an enquiry or buy a product from an Ancile Insurance Group company, you consent to receiving marketing about other products and services from us. Your details are placed on our marketing list for the group.
You can opt-out of marketing by emailing optout@OULdirect.com.
You will be given an opportunity to opt out of further marketing on every subsequent communication.
When you receive a marketing email we may track which links you click on and the areas of our website that you visit. This will enable us to better understand your needs and ensure any other information we send is better suited to your requirements.
Cookies
"Cookies" are small text files that store basic information that a web site can use to recognise repeat site visits, e.g. recall your Name and Address if this has been previously supplied. We may use this to track behaviour and compile data in order to improve our web site, target advertising and assess general effectiveness of such advertising.
Most browsers allow you to turn off the cookie function. Turning off cookies may mean that certain services such as discounts or previous registration identification cannot be provided.
How to accept cookies
Netscape Communicator 8.0
On your task bar, click:
1. from the Tools menu, select Options, and then open the Site Controls panel
2. on the Sites List tab, select the Master Setting (trust level) want to change
3. in the Web Features section, the default setting is Allow cookies, but you can change this.
Internet Explorer 6.0
1. Choose Tools.
2. Then Internet Options.
3. Click the Privacy tab.
4. Move the slider to select the level of privacy you prefer, or dick on Advanced for customised settings.
Internet Explorer 7.0
1. Choose Tools.
2. Then Internet Options.
3. Click the Privacy tab.
4. Then Cookies.
5. Move the slider to select the level of privacy you prefer, or click on Advanced for customised settings.
Internet Explorer 8.0
1. Choose Tools and then Internet Options
2. Click the Privacy tab
3. Move the slider to choose your preferred settings.
For more specialised cookie settings click on Advanced, check the 'Override cookie handling' button and modify the settings to suit your requirements.
FireFox 1.0, 2.0 and 3.0
1. Choose Tools.
2. Then Options.
3. Click the Privacy icon.
4. Within the Cookies section of the tab, tick the check box which states Accept cookies from sites.
Google Chrome
1. Click on the Tools menu and select Options
2. Click the Under the Hood tab and locate the Security section
3. In the Cookie settings drop-down menu, choose your preferred settings.
Google Chrome allows all cookies by default, but you can restrict the behaviour of first-party and third-party cookies or even block them completely.
Click on the Close button when you've finished
Safari 2.0 (Apple Macintosh)
1. Click on the Safari menu.
2. Click on Preferences.
3. Select the Security tab.
4. There is a cookie section that allows you to block or accept cookies.
How to delete cookies
Important: to remove cookies, follow the steps in this section. Do not try to edit the cookies file on your computer.
Netscape Communicator 8.0
On your task bar:
1. from the Tools menu, select Options, and then open the Privacy panel,
2. in the Privacy panel, display the Cookies category (double-click on it if it's not already open)
3. click the View Cookies button. The Stored Cookies window opens with a list of all the cookies stored on your computer
4. select one or more cookies and click Remove Cookie, or click Remove All Cookies
Internet Explorer 6.0
1. In Internet Explorer, on the Tools menu, click Internet Options.
2. On the General tab, click Settings, and then click View Files.
3. Select the cookie you want to delete, and then, on the File menu, click Delete.
Internet Explorer 7.0
1. In Internet Explorer, click the Tools button, and then click Internet Options.
2. On the General tab, under Browsing History, click Settings.
3. Click the View Files button.
4. Click the Name column heading to sort all the files alphabetically and then scroll down until you see files that begin with the prefix Cookie:. All cookies will have that prefix, and they usually contain the name of the website that created the cookie.
5. Right-click the cookie you want to delete, click Delete, and then click Yes.
6. Close the window that contains the list of files, and then click OK twice to return to Internet Explorer.
Internet Explorer 8
1. Click Safety on the Command bar
2. Select Delete Browsing History
3. Select the option for cookies and click Delete
Alternatively, Internet Explorer 8's new InPrivate browsing feature allows users to browse the internet without recording information from visited sites (including cookies). To use InPrivate mode:
1. Click Safety on the Command bar
2. Select InPrivate Browsing
FireFox 1.0, 2.0 and 3.0
1. In Firefox, click the Tools[/B] button, and then click on Options.
2. Now click on the Privacy tab and click on Show Cookies button.
3. To remove a cookie from the list, select it and click Remove Cookie.
4. To remove a site's cookies, select the site and click Remove Cookie(s).
5. To remove all cookies, click Remove All Cookies.
Google Chrome
1. Click on the Tools menu and select Options
2. Click the Under the Hood tab and locate the Security section
3. In the [B]Cookie settings section, click the Show cookies button.
4. Select Remove all to delete all cookies from the list (alternatively, you can remove all cookies created within a specific time period by selecting the Clear browsing dataoption in the Tools menu).
To delete a specific cookie, simply select the website that set the cookie from the list and click on Remove.
Click on the Close button when you've finished.
Safari 2.0 (Apple Macintosh)
1. Click on the Safari menu.
2. Click on Preferences.
3. Select the Security Tab.
4. Click the Show Cookies button.
5. Select an individual cookie from the list and click the Remove button.
6. Or to delete all cookies, click Remove All.
If you are not using any of the above browsers, then you should select 'cookies' in the 'Help' function for information on where to find your cookie folder.
If you have any doubts or do not use any of the above systems please refer to www.allaboutcookies.org, which explains in detail how cookies work and how they can be managed.
Disclosure of information to third parties
Ancile Insurance Group Ltd do not sell, trade or rent your information and will never disclose information about you to third parties, except to fulfil your specific orders for a product or information in the event that third parties deliver the relevant service. For example, if you take out an insurance policy underwritten by a third party, they will need your details in order to administer the policy and process any claims.
We may also be obliged by law to pass on your information to the Police or any other statutory authority.
Amendment and rectification of information
Please advise us in writing as to any changes in your circumstances or of any instances where you feel the data we hold may be incorrect. We will amend details as required.
Subject access requests
You have a statutory right of access to accessible personal and/or sensitive personal data that we hold about you. In order to exercise this right, your application must be in writing for security reasons. Please write to, Ancile Insurance Group. Kao Hockham Building, Edinburgh Way, Harlow, Essex. CM20 2NQ.
Changes to our Privacy Policy
If we decide to change our Privacy Policy, we will update all relevant documentation and post any changes onto our websites so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it. | |
