General Terms and Conditions


Thank you for visiting (our site) .These Terms and Conditions (together with the documents referred to in them) (the “Terms” for short) tells you the terms on which our site is made available and how the contract if formed between us. Use of our site includes accessing, browsing, contributing, or purchasing any of our insurance policies.

Please read these Terms carefully before you start to use our site. By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these Terms please do not use our site.

Who are we? is a site operated by Twilo Investments Ltd  (“We”, “us” and “our”). We are registered in England and Wales under company number 10745918 and have our registered office at 71-75 Shelton Street, London, England, WC2H 9JQ. Our VAT number is [xxx].

We are the appointed agent of MSI Assurances et Réassurances of 25 rue de Liège, 75008 Paris, France (registered in France under company number: 401844576) who are authorised and regulated by the Financial Conduct Authority

The insurance policies available on our site are underwritten by xxxxx xxxx xxxxx ,

PO BOX……..

. This can be checked by visiting the Regulated Entities Register (

The policies we sell are sold on behalf of xxxxx xxxx xxxxx.


In order to make use of our site including purchasing insurance policies you may be required to submit personal information to us (also known as “Personal Data”).

Your privacy is important to us and our Privacy Policy details how we treat any Personal Data sent to us and also forms parts of the Terms so please read it carefully before you  use our site.

Content contained on our site

From time to time there may be features that allow you to upload content to our site (“Your Content”). Whenever you make use of such features you must comply with the content standards set out below

Contributions must:

  • Be accurate (where they state facts);
  • Be genuinely held (where they state opinions); and
  • Comply with applicable law in the UK and in any country from which they are posted.

You must not:

  • Contribute content or information, including files and media that infringe any copyright, trademark, patent, trade secret, or other proprietary right of any person;
  • Contribute content or information that is harmful, illegal or disrespectful;
  • Contribute content or information, including files and images that display, link to or encourage use of pornography, gambling or otherwise illegal or unacceptable practices;
  • Use our pages and/or services in a way that can be deemed damaging to our site, yourself or any third party;
  • Take data from our site for your or third party databases or data harvests without our consent;
  • Contribute content or information that abuses, harasses, stalks, threatens, defames or otherwise violates the legal rights of others in any form;
  • Impersonate others; or
  • Violate any applicable laws or regulations

If you decide to make contributions you warrant that Your Content shall conform to these rules, and you will be liable to us and indemnify (compensate) us for any losses we may suffer if you breach this warranty.

Changes to our site

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

Accessing our site

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

How the contract is formed when you purchase an Insurance Policy

When you purchase an insurance policy using the acceptance process on our site, acceptance of your proposal will take place when we email you to accept it and send you a copy of your policy, at which point a contract will come into existence.

Our site is solely for the promotion and sale of insurance products to UK residents aged between 21 and 85.

Cancellations and Returns

We hope you are happy with your policy but, if for any reason, it is not suitable and you want to cancel it you should contact us by emailing or by writing to, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ. You can cancel the policy within 14 days of buying it or the date you receive your policy documents (also called a “cooling-off period”). We will refund the premium you have paid within 30 days of the date you ask to cancel the policy.

If you have collected your rental car or made a claim before you ask to cancel the policy within the 14-day cooling-off period, you will not be entitled to a refund of the premium.

We have the right to cancel your policy by giving at least 30 days’ notice in writing to you at your last known address where we have valid reasons for doing so. Valid reasons may include but are not limited to:

  • any failure by you to pay the premium;
  • failure to comply with the Conditions contained within your policy. If you pay the premium in advance on an annual basis, provided a claim has not been made during the period of insurance, you will receive a proportionate refund of the premium paid from the effective cancellation date following the expiry of the 30 days’ notice; and/or
  • where there is evidence of fraud.

You will be responsible for promptly telling any other drivers covered that the policy has been cancelled.

Price and Payment

The price of your policy (which includes VAT) will be the price indicated on the order pages when you placed your order.

Payments must be made at the time your order is placed and will be processed using our payment system. We accept payments using credit or debit card, paypal and Apple Pay.

Insurance Policies and Your Responsibilities

Please read your policy documents carefully. xxxxx policy terms or conditions are not the same as our site Terms and they will be the terms which you will be agreeing to when purchasing a policy.

All details of how to make claims and who to contact will be contained within your policy.  All claims under your insurance policy will be handled by xxxxx.

Your responsibilities

  • We recommend that you print out these Terms, the Policy Summary, policy wording and any certificates of insurance that come with your insurance policy, and keep them in an easily accessible place.
  • If you do not comply with the terms and notices specified on our site, your policy may be suspended or cancelled
  • We will provide policies based on the information you have provided to us. If you do not provide information and answers that are true and accurate and disclose all relevant facts, your insurance policy may become invalid and claims may not be paid. If your insurance is invalid, you could also be liable for any third party costs in the event of an accident.
  • It is of the utmost importance that all the information the insurance company holds on you is accurate. It is therefore important that you carefully read through the information you provide to check that it is correct and that you have disclosed all relevant facts.
  • It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any warranties and the general conditions as failure to comply with them could invalidate your policy.
  • If the information supplied by you is not correct, it is your responsibility to identify the mistake and contact us. We do not accept any responsibility to you if your insurance is invalid because you did not provide the correct information or failed to disclose relevant facts to us.
  • If you have any doubt about whether further information about you, not requested by us is required to be disclosed, or if you think that something shown to you may be incorrect, please contact us before you accept the quotation.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No reliance on information

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

Limitation of our liability

If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen. Other than as set out in the clause our liability to you will generally be limited to price of the insurance policy you have purchased.

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation; for breach of your legal rights in relation to the insurance policies available on our site; and for defective products under the Consumer Protection Act 1987.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content (including Your Content) displayed on our site.

If you use the insurance products for any commercial, business purpose please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user or non-business user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for:

  • any loss of profit, loss of business;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.


We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Unless you have the permission of the owner you should not establish a link to our site on any website that is not owned by you

Our site must not be framed on any other site.

We reserve the right to withdraw linking permission without notice.

If you wish to make any use of content on our site other than that set out above, please contact us using the contact information below under “Contact Us”

Third party links and resources in our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Trade marks

“” is a trademark of Twilo Investments Ltd.

Contact us

To contact us, please


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