Terms & Conditions
These Terms & Conditions (“Terms”) govern your access to and use of our Website, and any quote or policy you purchase through Umbrella Insurance (“we”, “us”, “our”).
1. Acceptance of Terms
By using the Website, obtaining a quote, purchasing a policy or accessing our services, you agree to be bound by these Terms. If you do not agree, you must stop using the Website.
2. Definitions
- “Customer”, “you”, “your” means the person buying or holding the insurance policy.
- “Policy” means the insurance contract issued to you by the underwriter via us.
- “Website” means umbrellainsurance.ie and all its pages.
- “Quote” means our estimate of premium for insuring your vehicle based on information you provide.
3. Quotes & Contracts
A quote is an invitation to treat only. A binding contract only arises once you receive confirmation from us and payment is made. You must provide accurate and complete information when requesting a quote and at all times during the policy period. Failure to do so may invalidate cover or mean claims are refused. We reserve the right to amend or withdraw a quote at any time prior to binding.
4. Your Obligations
- Ensure all drivers and vehicles are correctly declared.
- Immediately inform us of any changes to your circumstances that could affect your cover (e.g., new driver, change of car, change of address).
- Comply with all conditions of the insurance policy (the “Policy” document itself).
- Make payments when due; failure may lead to suspension or cancellation of cover.
5. Our Rights & Limitations
We act as an intermediary between you and the underwriter. We do not guarantee the underwriter’s performance (but will assist you). We may vary or cancel your policy or amend these Terms where legally permitted—underwriting acceptance always remains with the insurer. We are not liable for any loss you suffer from using the Website (except for any liability which cannot by law be excluded).
6. Website Usage
You agree to use the Website only for lawful purposes and in accordance with these Terms. We may suspend or terminate access to the Website at any time without notice. All intellectual property rights in the Website content belong to us or our licensors — unauthorised use is prohibited.
7. Privacy & Data Protection
Your personal data will be processed in accordance with our Privacy Policy. By using our Website and obtaining a quote or policy you consent to this.
8. Cookies
The Website uses cookies; by continuing to use the site you agree to our cookie practices as described in the Privacy Policy.
9. Governing Law & Jurisdiction
These Terms are governed by the laws of Ireland and subject to the exclusive jurisdiction of the Irish courts.
10. Changes to Terms
We may revise these Terms from time to time. The date of last revision will be shown at the top of the page. Continued use of our Website after changes means you accept the updated Terms.