Please be informed that additional terms and conditions apply to the products and services offered on this Site. When you browse, apply for and follow any purchase, these will be drawn to your attention. By using this Site, you agree to these conditions of use.

The Site is operated under licence by Indigo Underwriters Ltd.

If you wish to contact us regarding any matter set out in these conditions, you may contact us by email, phone, or writing to us.

About us

MORIS is a trading name of Indigo Underwriters Limited (IUL). Registered office: 6th Floor, Duo Building 280 Bishopsgate, London EC2M 4RB, England. IUL is an underwriting agency regulated by the United Kingdom Financial Conduct Authority (FCA) under firm reference 514818. IUL is a Lloyd's Coverholder with active binding authorities to various Lloyd's Syndicates. You can check these details on the FCA’s website (https://register.fca.org.uk/)

We will advise you of any conflict of interest that we may have with any proposed insurer or of any special arrangement with them which is beyond our normal remuneration.

Availability of Site

The Site is directed at those who can access the Site from the United Kingdom (UK) and is intended for UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

You must not use the Site in any way that causes or is likely to cause access to be interrupted or impaired, and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control. We cannot guarantee that you will have uninterrupted or error-free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug-free. Access may be restricted or service temporarily suspended to allow for repair, maintenance or the introduction of new products or services.

Ownership of All Materials on the Site

This site is owned and operated by IUL. IUL is the owner of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.

Images, logos, names and trademarks on the Site are proprietary marks owned by IUL. Unless otherwise agreed in writing, nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark, and any such use may constitute an infringement of the rights of the holder.

Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously, and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

Product Terms and Conditions

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through the Site to purchase the product or service, and assuming such product or service is available to you, and your offer is accepted, you will receive confirmation of your purchase.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions, and the precise cover provided (as applicable) shall be included in your Confirmation of Cover and/or any other conditions issued to you.

In order to avoid repetition of words used in this document, the term "insurance" includes reinsurance and other risk transfer products. The term "Underwriter(s)" includes any insurer, re-insurer or other category or risk bearer as appropriate to your requirements.

If you apply for any product detailed on the Site, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service terms and conditions, the latter shall prevail.

Your Documentation

Upon completion of the insurance arrangement(s) on your behalf, we will automatically provide you with your Confirmation of Cover. This will be sent to your Moris.co.uk account. You should check this document and satisfy yourself that it is entirely in accordance with your understanding, demands and needs. Anything at variance with your understanding and instructions should be advised to us immediately.

By entering into a contract of insurance, you will take on certain obligations and grant certain powers to Indigo Underwriters. Nothing contained in any insurance policy terms affects your statutory rights as a consumer.

External Links

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third-party websites or the availability of those websites, and we are not liable for any loss or damage you may suffer by using those websites. If you decide to access linked websites, you do so at your own risk.

Use of Sub-Agents

Where we consider it appropriate and for your benefit, it may be necessary for us to request another more localised or specialist insurance broker or intermediary to act as our sub-agent and assist us in the placement of an insurance contract. For example, many countries require the use of local intermediaries to access local insurance markets. In such cases, we will provide specific instructions to such sub-agents so as to meet your insurance requirements.

Claims Procedures

Details of claims notifiable to the Underwriter(s) under the terms of the arranged insurance contract must be advised to us without any delay online. Where applicable, we will provide you with written confirmation of the acceptance of the amount of the claim by the Underwriter(s) before issuing a claim payment to you and remitting monies directly to the appropriate party. You should be aware that we may perform a limited service for the Underwriter(s) in relation to insurers' claims advisors (e.g. Surveyors, Adjusters and Lawyers) by relaying instructions, disseminating reports and collecting fees or other disbursements, where we consider this should not create a conflict of interest. If we consider a conflict of interest may arise, we will refrain from performing any (further) service for the Underwriter(s) unless otherwise agreed.

Confidentiality & Data Protection

We are registered under the Data Protection Act 2018, and we have undertaken to comply with the Act in all our dealings with any client's personal data.

Any information which you provide to us will not be used or disclosed by us to other parties except in the normal course of negotiating, maintaining or renewing a contract of insurance on your behalf or for handling any claims thereunder unless we have obtained the necessary consent from you or we are required to disclose the information by a court of competent jurisdiction or government or regulatory body having the requisite authority over us, or the information is already in the public domain or has been received by us from a third party not under any duty of confidentiality. We will take appropriate steps to maintain the security of your confidential documents and information in our possession.

Through your use of the Site, you agree that personal information that is provided will be dealt with in accordance with our Privacy and Security statement.

Solvency of Underwriters

We will only place insurance with Underwriters who are supported by Lloyd’s. While the information on which Indigo Underwriters Ltd relies is obtained from sources considered to be reliable, and it uses all reasonable endeavours to review that information accurately in order to protect the interests of our clients, predictability of solvency cannot be guaranteed. The financial standing of any Underwriter(s) can, of course, change after the insurance contract has been incepted. The subscribing insurers' obligations under this policy are several and not joint and are limited solely to the extent of their individual subscriptions. A subscribing insurer is not responsible for the subscription of any co-subscribing insurer who, for any reason, does not satisfy all or part of its obligations.

The Duty to take reasonable care not to misrepresent information you have given to us

In deciding to accept this policy and set the terms and premium, we have relied on the information you gave us. You must take care when answering any questions we ask by ensuring that all information provided is accurate and complete. If we establish that you deliberately or recklessly provided us with false or misleading information, we will treat this policy as if it never existed and decline all claims. If we establish that you carelessly provided us with false or misleading information, it could adversely affect your policy and any claim. For example, we may (1) treat this policy as if it had never existed, refuse to pay all claims, and return the premium paid. We will only do this if we provide you with insurance cover, which we would not otherwise have offered. (2) amend the terms of your insurance. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness (3) Reduce the amount we pay on a claim in the proportion the premium you have paid bears to the premium we would have charged you, or (4) cancel your policy in accordance with the Right to cancel condition stated in your insurance document.

We will write to you if we intend to treat your policy as if it never existed or if we need to amend the terms of your policy.

If you become aware that the information you have given us is inaccurate, you must inform your broker as soon as practicable.

Our Fees, Remuneration & Other Income

Our two principal remuneration methods for insurance intermediary services are by way of commission, a proportion of the premium paid, which is allowed to us by Underwriter(s), and/or an agreed fee basis. Other sources of income include that derived from interest earned on bank balances or certain credit charges and expense allowances by Underwriters for managing and administering certain line slips, covers, binding authorities and other similar facilities, including claims which may arise thereunder, all of which we believe enable more efficient service and competitive terms to be provided to those clients for whom we consider the use of such facilities appropriate. The Underwriter(s) with whom we effect insurance on your behalf may, in turn, request us to purchase facultative reinsurance for their account. This reinsurance is a separate and distinct contract(s) for which remuneration may be paid separately by the Underwriter(s) or reinsurer(s). Some underwriters may allow us incentive commissions in addition to fees or commissions that we receive. Such incentive commissions can be based on profitability, premium income volume and/or growth. Incentive commissions can also be payable to reflect administrative efficiencies across a portfolio of business placed with an Underwriter. Notwithstanding the efficiencies of incentive commissions, we recognise that our overriding responsibility is to promote the policyholder's best interest in selecting Underwriters.

For an overview of fees and current rates, please see our website's “Fees and Charges” section.

In case of an error in price, product or service, we reserve the right to cancel that contract, but this, of course, will be without any liability to you, and a refund will be offered.

Methods of Payment

All our insurance products are available subject to payment of premium. This can be done securely online using a Debit or Credit card. We accept the most commonly used cards but NOT American Express. Our Confirmation of Cover documentation will detail the amount taken from your card.

We do not retain credit card details where payments are made over the website via Stripe. Except in exceptional circumstances, any refund we provide for any product you purchased by credit card is made back to the credit card account used to make the initial purchase. This is done via Stripe's security.

Complaints

We always intend to provide a high standard of service at all times. If you should wish to make a complaint, we will do our best to ensure that it is handled fairly and promptly by a senior and independent member of staff. We operate a formal complaints procedure that complies with the Financial Conduct Authority (FCA), which we will send you upon request.

If you are unsatisfied and wish to make a complaint, please contact us directly in the first instance, either by letter, email: complaints@moris.co.uk or Tel: +44 20 3427 5960.

You can also direct your claim to the insurer Lloyd's. The address of the Complaints team at Lloyd’s is:

Complaints, Lloyd’s,
One Lime Street,
London EC3M 7HA
Tel: 020 7327 5693
E-mail: complaints@lloyds.com
Website: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet, “Your Complaint - How We Can Help”, available at www.lloyds.com/complaints and are also available from the above address.

If you remain dissatisfied after Lloyd’s has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS). The contact details for the FOS are:

The Financial Ombudsman Service,
Exchange Tower,
London E14 9SR
Tel: 0800 023 4567 (calls to this number are free from “fixed lines” in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK).
Email: complaint.info@financial-ombudsman.org.uk

The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the FOS at www.financial-ombudsman.org. uk.

Disclaimer

We take care to ensure the Site is accurate and up to date; however, all warranties (whether expressed or implied) and all liability to you in respect of the Site, its content and your use of the same are excluded to the fullest extent permitted by law.

We reserve the right to amend the Site and these conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these Conditions of Use may be updated from time to time, we suggest you take a moment to revisit them whenever you visit the Site.

If any of these provisions shall be unlawful, void or unenforceable for any reason, the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Please note that this disclaimer does not affect your statutory rights concerning any products or services you purchase from this Site.

Waiver

If you breach these terms of use and we do not take immediate action against you, we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and Law

This contract of insurance will be governed by the laws of England and Wales and subject to the exclusive jurisdiction of the courts of England and Wales.

General Terms & Conditions of Services