Cookie Policy

About this cookie policy

This Cookie Policy explains what cookies are and how they are used. You should read this policy to understand what cookies are, how they are used on this site, the types of cookies used i.e, the information collected using cookies and how that information is used and how to control the cookie preferences.

For further information on how data is used, stored and kept secure, see the Privacy Policy.

You can at any time revoke your consent from the Cookie Declaration on this website, or by using the  ‘revoke consent’ link below.

Your consent applies to the following domains: impactinsurance.co.uk

What are cookies?

Cookies are small text files that are used to store small pieces of information. Some cookies may be stored on your device when the website is loaded on your browser, others require your consent. These cookies help make this website function properly, make the website more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement.

How do we use cookies?

As with most online services, this website uses cookies first-party and third-party cookies for a number of purposes. The first-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data. The third-party cookies used on this website are used mainly for understanding how the website performs, how you interact with the website, keeping services secure, and all in all providing you with a better and improved user experience and help speed up your future interactions with the website.

What types of cookies do we use?

We may use or seek to gain consent to use the following types of cookies on this website:

Essential: Some cookies are essential for you to be able to experience the full functionality of our site. They allow us to maintain user sessions and prevent any security threats. They do not collect or store any personal information. For example, these cookies allow you to log-in to your account and add products to your basket, and checkout securely.

Statistics: These cookies store information like the number of visitors to the website, the number of unique visitors, which pages of the website have been visited, the source of the visit, etc. These data help us understand and analyze how well the website performs and where it needs improvement.

Marketing: Our website displays advertisements. These cookies are used to personalize the advertisements that we show to you so that they are meaningful to you. These cookies also help us keep track of the efficiency of these ad campaigns.
The information stored in these cookies may also be used by third-party ad providers to show you ads on other websites on the browser as well.

Functional: These are the cookies that help certain non-essential functionalities on our website. These functionalities include embedding content like videos or sharing content of the website on social media platforms.

Preferences: These cookies help us store your settings and browsing preferences like language preferences so that you have a better and more efficient experience on future visits to the website.

How can I control my cookie preferences?

Should you decide to change your preferences later through your browsing session, you can click on the “Manage your consent” link near the top of this page. This will display the consent notice again enabling you to change your preferences or withdraw your consent entirely. In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. To find out more on how to manage and delete cookies, visit wikipedia.org, www.allaboutcookies.org.

Last updated: 13/07/2023

Duty of Disclosure

Where the main use of the contract is private.

Your duty to give information

When applying for or amending your insurance policy, we and / or your insurer will ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured, and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and needs.

The reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection; insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance.

FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID

Duty of Disclosure

Where the main use of the contract is commercial.

It is your duty to ensure that you provide a fair presentation of the risk to underwriters; the objective of a fair presentation is to give us all the information underwriters might need to quote the premium and decide what terms to apply.

You have a duty to disclose every material circumstance that you know or ought to know after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during the policy period. A circumstance is material if it would influence the underwriters decision whether to accept the risk, including terms and pricing.

If there is any doubt whether a circumstance is material to this risk, it should be disclosed as failure to disclose may entitle insurers to refuse to pay a claim or apply additional terms or reduce the claim payment.

The point of a fair presentation is that it is far better to declare everything at the time of a quotation than to let the insurer find things out at the time of a claim.

FAILURE TO DISCLOSE THESE FACTS MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.