Terms of Service

1. About Our Services

Student Protection arranges insurance products for students studying at UK universities. We act as an insurance intermediary — we arrange policies on your behalf with authorised UK insurance underwriters.

The insurance products described on this website are arranged by UniCover Ltd. Actual insurance cover is provided by our underwriting partners, subject to the terms and conditions of the relevant policy document. The full policy wording is provided upon purchase and governs what is and is not covered.

2. Eligibility

Our products are available to individuals who are:

• Enrolled as a student at a UK university or higher education institution
• Aged 18 or over
• Residing in the United Kingdom during their period of study (for the purpose of the policy)

By purchasing a policy, you confirm that you meet these eligibility criteria and that all information provided during the application process is accurate and complete.

3. Your Duty of Disclosure

When purchasing insurance, you are required to provide a fair presentation of the risk. This means you must:

• Disclose all material facts that may affect whether we accept your application or the terms offered
• Ensure all information provided is accurate to the best of your knowledge
• Notify us of any material changes during the policy term

Failure to comply with your duty of disclosure may result in your policy being voided or a claim being rejected. If you are unsure whether something is material, disclose it.

4. Cooling-Off Period

You have the right to cancel your policy within 14 days of the policy start date (or the date you received your policy documents, if later) without giving a reason. If no claims have been made, you will receive a full refund of your premium. After the cooling-off period, cancellation is subject to our cancellation terms (see Section 6).

5. Making a Claim

All claims must be:

• Notified to us as soon as reasonably practicable after the event giving rise to the claim
• Supported by appropriate evidence as specified in your policy wording
• Made honestly and in good faith

Fraudulent claims, including exaggerated claims or claims based on deliberately false information, may result in your policy being cancelled, claims being refused, and may be reported to the relevant authorities.

6. Cancellation and Refunds

By you: You may cancel your policy at any time by contacting us. After the 14-day cooling-off period, cancellations are subject to a short-period cancellation charge, and a pro-rata refund of the unused premium will be issued, provided no claims have been made during the policy term.

By us: We reserve the right to cancel your policy in limited circumstances, including where: there has been fraud or misrepresentation; you have failed to pay your premium; or we are required to do so by law or regulation. We will provide reasonable notice except in cases of fraud.

7. Use of This Website

You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that breaches applicable laws or regulations
• Transmit unsolicited commercial communications
• Attempt to gain unauthorised access to any part of the website or our systems
• Introduce malicious software or conduct denial-of-service attacks
• Scrape or reproduce website content without our permission

8. Intellectual Property

All content on this website — including text, images, graphics, logos and design — is owned by or licensed to UniCover Ltd and is protected by UK and international intellectual property law. You may not reproduce, distribute or create derivative works from our content without prior written permission.

9. Limitation of Liability

The information on this website is provided for general guidance only and does not constitute financial or insurance advice. While we take reasonable care to ensure accuracy, we cannot guarantee that information is always current or error-free.

To the maximum extent permitted by law, we exclude all liability for losses arising from your use of this website, except where such losses result from our fraud or wilful misconduct, or where liability cannot lawfully be excluded (such as under the Consumer Rights Act 2015).

Our liability in connection with insurance products is subject to the terms of the relevant policy wording.

10. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or accept responsibility for the content of third-party sites, and linking does not imply a commercial relationship.

11. Regulatory Information

UniCover Ltd is an Appointed Representative of [Authorised Firm Name], which is authorised and regulated by the Financial Conduct Authority (FCA). You can verify our regulatory status on the FCA register at register.fca.org.uk.

Insurance products available through Student Protection are underwritten by authorised UK insurers. Full details are provided in your policy documents.

12. Complaints

We take complaints seriously. If you are unhappy with our service:

1. Contact us first: complaints@studentprotection.co.uk or in writing to our registered address
2. We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks
3. If we cannot resolve your complaint, you may refer it to the Financial Ombudsman Service (FOS): financial-ombudsman.org.uk | 0800 023 4567

13. Governing Law

These terms are governed by the laws of England and Wales. Any disputes arising from these terms or your use of our services will be subject to the exclusive jurisdiction of the English courts.

14. Changes to These Terms

We may update these terms from time to time. We will notify you of significant changes by email or via a notice on the website. Continued use of the website after changes constitutes acceptance of the updated terms.