Terms and Conditions

By using this website, you agree to the following terms. Please read them carefully. If you do not agree to be bound by these Terms & Conditions please do not access or use this site.


This site is provided and owned by:

Covea Insurance plc registered in England & Wales, Company No. 613259 at A&B Mills, Dean Clough, Halifax, HX3 5AX.

Covea Insurance plc is a wholly owned subsidiary of Covéa IARD Assurances Mutuelles, a company incorporated in France.

Geographical Limits 

The information on this site is directed at residents of the UK (excluding Northern Ireland, Channel Islands and Isle of Man). Accessing this site from territories where its content is illegal or unlawful is prohibited. If you chose to access this site from outside of the UK, you are responsible for compliance with local laws.

These Terms & Conditions are governed by and interpreted in accordance with English law and in any event of a dispute arising in relation to these Terms & Conditions, the English courts will have exclusive jurisdiction.


The information on this website may be changed or updated without notice. Covea Insurance plc may make improvements and/or other changes in the products, services and/or programs described on this site at any time without notice.

Accuracy of Information

Covea Insurance plc does not warrant or guarantee the accuracy or completeness of the information provided on this website. Covea Insurance plc will not be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information.

Neither the Company nor the general management or employees of the company accept any responsibility for the information and/or recommendations that are published or accessible through this site.


Covea Insurance plc will not be responsible for any technical problems experienced with the use of this site.

User Conduct

When accessing or using this site you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable material of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to a civil liability or otherwise violate any national or international law.

Links to other websites

This site contains links, including hypertext links, that will lead you to other websites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement in any way of the site to which the link leads. Covea Insurance plc accepts no responsibility or liability for the content, quality, suitability, functionality or legality of other websites.

You may not create a hyperlink to this website without prior written consent.

Broker Online User Terms & Conditions 

In these terms the following mean:

Covéa Insurance, We, Our – Covea Insurance plc
Intermediary – the insurance intermediary or broker you work for
Broker Online – the Covéa Insurance extranet, accessed from www.coveainsurance.co.uk
You, your – an individual accessing Broker Online

Individual User Agreement

By accessing Broker Online you agree to the following terms and conditions:

1.  You may only use the user name and password allocated to you to access Broker Online.
2.  You must not disclose to or share with any other person your allocated user name or password.
3.  You agree to comply with any terms, conditions or instructions set out from time to time on Broker Online or on the pages from which Broker Online is accessed.
4.  You must report promptly any misuse of Broker Online, passwords or user names to Covéa Insurance.
5.  You are reminded of your duty to input data accurately and truthfully.
6.  You may only access data and records on Broker Online relating to policyholders or customers of the Intermediary that you are employed by.
7.  You must not access Broker Online if you cease to work for the Intermediary or if Covéa Insurance or the Intermediary removes your access for any reason.
8.  These terms are governed by the laws of England and Wales and the parties submit to the exclusive jurisdiction of the English Courts.

Intermediary User Agreement

Binding terms

1.  These terms automatically apply to any Intermediary whose staff or employees access Broker      Online.
2.  If the Intermediary does not agree to these Terms of Use, you must not use Broker Online.
3.  Any business conducted through Broker Online will be governed by such terms of business agreement (“TOBA”) as is in force between Covéa Insurance and the Intermediary when the business is conducted.

Use of Broker Online

4.  The Intermediary must ensure that any members of staff who have access to Broker Online comply with the terms of the Individual User Agreement.
5.  The Intermediary must delete access promptly when a member of staff who has been given access to Broker Online leaves the employ of the Intermediary or otherwise no longer has a business need for access to Broker Online.
6.  Covéa Insurance may terminate the Intermediary’s or an individual staff member’s access to Broker Online at any time.
7.  Access to Broker Online may not be transferred or assigned by the Intermediary to any other person or organisation.


8.  We reserve the right, at our discretion, to make changes to Broker Online at any time.
9.  We reserve the right to update or revise these Terms of Use at any time and we will use reasonable efforts to notify the Intermediary of those changes. We may give such notice by posting updated terms on Broker Online and using reasonable efforts to draw them to the Intermediary’s attention. The continued use of Broker Online following the posting of any changes to the Terms of Use constitutes the Intermediary’s acceptance of those changes.

Performance of Broker Online and liability

10.  Covéa Insurance does not make any warranties regarding the performance or availability of Broker Online.
11.  Except for conditions implied by law which cannot be excluded, Covéa Insurance shall not be liable for any breakdown, malfunctioning or non-availability of Broker Online and is not responsible for any loss, damage, cost or expense incurred by the Intermediary as a result of any error, omission or misrepresentation in relation to Broker Online.
12.  Covéa Insurance is not liable to the Intermediary, you or anyone else if interference with or damage to computer systems occurs in connection with the use of Broker Online. The Intermediary must take its own precautions to ensure that its use of Broker Online is free of viruses or anything else that may interfere with or damage the operations of the Intermediary’s computer systems.

Third party sites

13.  Materials that can be accessed from linked sites are not maintained by Covéa Insurance and Covéa Insurance is not responsible for their contents. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by Covéa Insurance and the Intermediary assumes all risk with respect to its use.

Intellectual Property

14.  The Intermediary’s use of Broker Online does not confer any right, title or interest on the Intermediary in Broker Online or in any intellectual property related to it.


15.  No failure to exercise or any delay in exercising any right, power or remedy by a party operates as a waiver. A single or partial exercise of any right, power or remedy does not preclude any other or further exercise of that or any other right, power or remedy. A waiver is not valid or binding on the party granting the waiver unless it is made in writing.
16.  We may give the Intermediary notice by electronic mail, conventional mail, facsimile or personal service. The Intermediary may give us notice by email to the email address specified in the “Contact Us” section of the Covéa Insurance website.
17.  No person, including but not restricted to individuals working for the Intermediary, shall have any rights under or in connection with this Agreement by virtue of the Contracts (Rights of Third Parties) Act 1999.
18.  If a provision of these Terms of Use is invalid, illegal or unenforceable, then to the extent of the invalidity, illegality or unenforceability, that provision must be ignored in the interpretation of these Terms of Use. All other provisions of these Terms of Use remain in full force and effect.
19.  These Terms of Use are governed by the laws of England and Wales and the parties submit to the jurisdiction of the English Courts.