If you are returning to the portal after previously creating an account please use the blue 'Existing Users Login' button in the top right of the screen. Otherwise, please answer all the questions and complete the various sections in order to obtain a confirmed quotation.

You will then be presented with the option to purchase cover immediately and pay by debit or credit card. Alternatively save the quotation and come back to it at a later stage.

For help at anytime please hover your mouse over the blue "i" help icon, read through the Help Guide and Key Facts, use the Contact Us form or call the helpline on 0161 237 7747 and speak to one of our friendly staff who will be more than happy to help.

1.	Before the insurance contract is entered into, the proposer must make a fair presentation of the risk to the insurer, in accordance with Section 3 of the Insurance Act 2015. In summary, the proposer must:
	a.	disclose to the insurer every material circumstance which the proposer knows or ought to know. Failing that, the proposer must give the insurer sufficient information to put a prudent insurer on notice that it needs to make further enquiries in order to reveal material circumstances. A matter is material if it would influence the judgement of a prudent insurer as to whether to accept the risk and, if so on what terms (including premium);
	b.	make the disclosure in clause 1.a) above in a reasonably clear and accessible manner; and
	c.	ensure that every material representation as to matter of fact is substantially correct, and that every material representation as to matter of expectation or belief is made in good faith.
2.	For the purposes of clause 1.a) above, the proposer is expected to know the following:
	a.	If the proposer is an individual, what is known to the individual and anybody who is responsible for arranging his or her insurance.
	b.	If the proposer is not an individual, what is known to anybody who is part of the proposer's senior management; or anybody who is responsible for arranging the proposer's insurance.
	c.	Whether the proposer is an individual or otherwise, what should reasonably have been revealed by a reasonable search of information available to the proposer. The proposer cannot ignore or deliberately withhold information (this may amount to a breach of the duty of fair presentation even if the insurer had sufficient information to ask questions and did not do so). The information may be held within the proposer's organisation, or by any third party (including but not limited to subsidiaries, affiliates, the broker, or any other person who will be covered under the insurance). If the proposer is insuring subsidiaries, affiliates or other parties, the insurer expects that the proposer will have included them in its enquiries, and that the proposer will inform the insurer if it has not done so. The reasonable search may be conducted by making enquiries or by any other means.

Failure to comply with the Duty of Fair Presentation may give insurers grounds to refuse to pay a claim, reduce the amount they do pay, alter the terms of the policy retrospectively, oe even treat the policy as it had never existed in some cases.

THEREFORE, IF YOU ARE IN ANY DOUBT AS TO WHETHER OR NOT INFORMATION IS MATERIAL, PLEASE DISCLOSE IT!

To the best of our knowledge and belief the foregoing particulars and statements are true and that no material fact has been withheld.

They and other written statements made by us or on our behalf for the purpose of the proposed insurance shall be the basis of and incorporated in the contract between us and the company.

We hereby undertake to declare any material alterations or amendments to the foregoing particulars and statements which occur prior to the commencement of the contract of insurance.

You will be asked to confirm that you have downloaded and read our terms of business before proceeding to a confirmed quotation.