Terms and Conditions

 

When purchasing pet insurance through blueinsurance.co.uk you will not receive advice or a recommendation from us for pet insurance. We may ask some questions to narrow down the selection of products that we will provide details on, but you will need to make your own choice as to whether to proceed and purchase the product. Blueinsurance.co.uk charges an additional £4.95 to customers who buy through our call centre. This reflects the higher transactional cost involved. We also charge an administration fee of up to £3.95 to customers buying online and a postage fee of £3.50 to customers who request a hard copy policy and certificate.

We can provide an insurance quotation/policy based on the following terms and conditions:

  1. You must be sure that:
    • You took reasonable care to answer all questions put to you about your insurance fully, honestly and to the best of your knowledge. If you did not understand the meaning of any question, or if you did not know the answer, it is vital that you tell us;
    • None of the information you have provided for the quote has changed before you proceed to purchase cover (if it has you must tell us before we can proceed to arrange cover).
    Please note that failure to provide full and accurate information may result in your insurer taking any one of the following actions: rejecting a claim, only paying part of a claim, cancelling your policy, imposing additional policy terms and conditions and/or charging an additional premium.
  2. Pre-Existing Medical Conditions: There is no cover under the terms of this policy for ongoing or pre-existing medical conditions suffered by your pet. Veterinary expenses are excluded if at the time of booking you are aware of or have been advised of the need for treatment or prescribed medication.
  3. There is no liability cover under this policy if at the time of booking the policy you are aware of a circumstance that may give rise to a claim under this policy.
  4. That the pet resides with you at the address you declared in the booking process.
  5. The declared breed of pet must match that of the pet stated on your certificate of insurance, which will be validated by your treating vet.
  6. If your pet is a dog, you confirm that it is not on the unacceptable breeds list as specified on the website.
  7. Your Right to Cancel: We offer a Premium Refund Guarantee on all our policies cancelled within the 14 Day cooling off period, whereby you may return the documentation to us and upon receipt of the policy, provided you have not made a claim, we will refund you your Insurance Premium.
  8. Unless stated otherwise quotations provided by the system for new insurances are valid for 7 days from date of issue.
  9. Use of SMS: You consent to the use of the mobile telephone number you have provided ("the mobile telephone") for the purpose of allowing Cover-More Blue Insurance Services Limited to notify you of your pet insurance policy information relating to your online booking.
  10. You hereby confirm that the mobile telephone number you have provided is your number or that of a person named in the booking process and you hereby indemnify Blue Insurance against any claims or liabilities which may arise in the event that the number provided is incorrect or is that of an unrelated third party.
  11. You accept that text messages are distributed via the Short Message Service systems of third party mobile phone network providers and, therefore, Cover-More Blue Insurance Services Limited cannot be held responsible for the successful and timely arrival of the text message to the mobile telephone.
  12. Cover-More Blue Insurance Services Limited does not guarantee full availability or performance of this service and does not accept any liability for transmission delays.
  13. Cover-More Blue Insurance Services Limited will only use the number of the mobile telephone in accordance with its Privacy Policy, the terms of which you accept, and to send important information in relation to your booking
  14. SMS Fees: Cover-More Blue Insurance Services Limited charge a £0.99 fee for this service and this fee is non refundable. Blue is not responsible for any additional charges made by mobile phone network providers for the provision of this service

  15. To make sure you have continuous cover under your policy, we will aim to automatically renew (auto-renew) your policy when it runs out, unless you tell us not to. Each year we will notify you 31 days before the renewal date of your policy, and tell you about any changes to the premium or the policy terms and conditions.

    If you do not want to us to auto-renew your policy just call us on 0333 355 0252, otherwise we will collect the renewal premiums from your credit card or debit card.

      You should also note that your renewed policy will only be valid when:
    • you have told us about any changes to your policy details;
    • and your credit card or debit card details have not changed.

    In some cases we may not be able to automatically renew your policy, we will let you know at the time if this is the case. For the facilitation of the auto renewal service we are entitled to assume that your details have not changed and you have the permission of the card holder unless you inform us otherwise.