Terms and conditions

Peach Pi website terms and conditions

Peach Pi is a trading style of NPA Insurance Ltd. NPA Insurance Ltd (64269) Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. NPA Insurance Ltd is authorised to provide services in the Republic of Ireland under the Freedom of Services Basis of the 3rd EU Non-Life directive. Head and registered offices: Mallinson House, 38-42 St. Peters Street, St. Albans, AL1 3NP. These details can be checked on the FCA‘s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 1116768.

NPA Insurance (“NPAI”) issued the following terms and conditions to provide you details of your rights when using the Peach Pi website (“site”).

Please read all of the following Terms and Conditions on the use of this site before using it.

The Terms and Conditions may change at any time at our sole discretion. By access and using our Website, you agree to all of the following Terms and Conditions. As the terms may be varied from time to time, you should check to make sure you are aware of the latest version.

Ownership of the site

All intellectual property rights, including logo, copyright and database rights, in material contained in, or referred to on this site belongs to the NPAI or our licensors.

No content from www.peachpi.co.uk or any other site owned, operated, licensed or controlled by us may be copied, reproduced, republished, modified, uploaded, posted, transmitted, or distributed in anyway. You also may not, without our permission, “mirror” any material contained on our site on any other server. The sole exceptions to these restrictions are:

You obtain written permission from us to waive these restrictions: or

You download one copy of the content on a single computer for informational, non-commercial and personal use only, provided you keep intact all copyright and other proprietary notices and do not modify, and will not copy or post, the content on any network computer or broadcast in any media.

Violation of these restrictions will be a violation of one or more laws and is expressly prohibited by law. If you violate these restrictions you may be subject to civil and criminal penalties. If we grant you permission to waive these restrictions, the permission terminates automatically if you breach any of these Terms and Conditions. Upon termination, you must immediately destroy any downloaded and/or printed materials.

This site is for your convenience only

Our site is provided to you for your convenience and information only.

Whilst we try to provide the information that you are looking for we cannot guarantee that any particular information will be available or that we will be able to answer any particular enquiry. Whilst we try to ensure that information is correct and up-to-date, we cannot be held responsible for your reliance on it and/or for any loss or damage suffered by you as a result of your reliance on it, if it turns out not to correct or up-to-date, save where the same is the result of our gross negligence. Where you are likely to rely on information provided by us, and the consequences of such reliance are likely to be particularly important, we strongly advise you to verify such information with an appropriate third party.

Whilst we try to answer phone calls and respond to email enquiries as quickly as possible, there may be times when we are unable to answer or respond promptly. Whilst we always try and provide continuous access to our website, there may be times, whether as a result of maintenance, disruption or otherwise, when access is interrupted and/or our website cannot be accessed.

By providing access to our site content we do not warrant or represent that:

The content is accurate or complete
The content is up to date or current
We have a duty to update any content
The content is free from technical inaccuracies or typographical errors
The content is free from changes caused by third parties and;
Our site will be free from interruptions, errors, computer viruses or other harmful components.

We do not assume liability for these matters, your use of our site is at your own risk.

To the fullest extent permitted by law, no liability is accepted for any direct, indirect or special , incidental or consequential loss or damage (including loss of data, business opportunity or profit) arising out of use or the inability to use the content of this Website, even if one of our representatives has been advised of the possibility of your damages.

Links to Third Party Web Sites

At this site, there may be links to companies with whom we have a relationship. The NPAI is not responsible for the links of our business partners or third parties.

Because the NPAI has no control over such sites and resources, you acknowledge and agree that the NPAI is not responsible for the availability of external Web site and resources and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such Web sites or resources. You further acknowledge and agree that the NPAI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on our through any such external site or resource.

Privacy Policy

The following policy discloses the consumer privacy practices of NPA Insurance. By using this site, you are deemed to consent to our privacy practices. If you do not consent to these privacy practices, do not use this Site or download any materials from it. This policy explains what personal information we have, how we use it and how you can check and update any of your personal information. You should also show this notice to anyone else who may be insured with us. You acknowledge that by providing your personal data to us, you consent to its processing in the manner outlined below. When providing personal data about others, you confirm that you have the consent of these individuals to supply their personal data. We are unable to provide you any product or service unless you provide explicit consent for the collection of sensitive personal data as defined under the General Data Protection Regulation.

Who are we?

NPA Insurance Limited and wholly owned (100%) by the National Pharmacy Association (1281757).

Additional Data Controllers

The following are companies who are joint data controllers along with NPAI, in processing your personal data for the following products:

Zurich Insurance Group: Property, motor, retail insurance, breakdown cover.
Arc Legal Assistance underwritten by AmTrust Europe Limited for legal cover and Inter Partner Assistance SA for home emergency assistance
ARAG PLC underwritten by Brit Syndicate 2987 at Lloyds: – Essential Business Legal Solutions.
Sunworld administered by David Oliver Associates and underwritten by AXA: Travel Insurance.
Axa Insurance UK PLC: Property, motor, retail insurance.
Ageas Insurance Ltd: Property, motor, retail insurance.
Aviva Insurance Ltd: Property, motor, retail insurance.
Liverpool Victoria Insurance Company Limited: Property, motor, retail insurance.

We will also share data with our software providers and accounting providers in order to be able to provide quotations, policies and to be able to administer your insurance requirements.

Your Privacy

What information do we collect about you?

Where we have collected information directly from you it will usually be obvious what this is, as you will have given it to us. This might not be the case where we have used cookies to collect information from your computer or portable device. Please see our cookiespolicy for more information. We may also record and monitor calls and emails or other communications in accordance with UK law.

Information collected from others

We can collect information about you from others. This includes information from:

The companies referenced under “additional data controllers”, who we partner with to provide your insurance policies.
Joint policyholders. Where you are named on a joint policy we may collect information about you from any named policyholder. We will ask them to confirm that they have your permission to give us this information about you.
Fraud prevention, law enforcement or government agencies and other data sources used to prevent or detect fraud or provide details about criminal convictions or offences.
HM Treasury and other authorities in relation to regulatory issues e.g. where someone is subject to a financial sanction they will appear on HM Treasury’s asset freezing list.
External sources such as no claims discount databases and Claims and Underwriting Exchange to verify the information you have provided.

We use your personal information in order to meet our obligations in our contract of insurance with you: We and the companies referenced under “additional data controllers” use your personal data in the following ways:

Provide Insurance services

When you request us to provide you with a quote for one of our insurance policies or you purchase an insurance policy from us, we use information about you:

To decide what the risk might be in selling you the policy, to quote for, and provide you with, a premium for that policy and any special terms that may apply to that policy.
To administer your policy and monitor the payment of instalments if you pay your premium that way.
To contact you about the policy (e.g. for renewal purposes); and
To provide the agreed service if you make a claim (e.g. sending a loss adjuster to assess any damage in the event of an insurable event occurring).

We cannot provide the services unless we use the information about you in this way.

Do what we are required to do by law

As part of our duty as an insurer providing insurance services, sometimes we are required by law to use information about you:

To help make sure our customers are being treated fairly (e.g. to assist our regulators where we have a legal duty to do so);
To deal with complaints
To help prevent and detect crime (including, for example, the prevention or detection of fraud): and
To comply with legal or regulatory obligations.

We can use your personal information in this way because we are required to do so by law

To administer and improve our services

To administer our services we will share information with others:

In order to enable us to process your claim or administer your insurance policy more cost effectively:
To help develop our products, services and systems to deliver you a better sales and claims experience in future: and
To understand current and future risks in order to provide the correct level of cover and competitive pricing for existing and prospective customers.

We may also process your personal data to better understand you as a customer. Including to determine how best to retain your custom and to identify additional products provided by NPAI that may be of interest to you. We can use your personal information in this way because it is in our legitimate interests to provide you the services in the most efficient way. We will always ensure that we keep the amount of your personal information that we collect and the extent of any processing to the absolute minimum to achieve this efficiency.

Who do we share your personal information with and why do we do it?

We may share your personal information with our “additional data controllers” who we have a relationship with in order to provide you with quotations and cover. It is important that you make sure everything you tell us is correct and that you check your documentation because your records may be checked in the following circumstances:

When you apply for insurance
By police and other law enforcement agencies

In particular we share information with:

Your spouse or partner, who calls on your behalf, provided they are named on the policy or have your permission to act on their behalf. If you would like someone else to deal with your policy on your behalf on a regular basis then please let us know.
Other insurance companies to help settle any insurance claim or to verify that the information you have provided is correct.
Insurance industry bodies such as the Motor Insurance Database and the Financial Ombudsman.
Insurance industry databases such as the Claims and Underwriting Exchange where you make a claim so that insurers can check your claims history is correct and the insurance fraud register.
The police where they may call to check you have valid insurance in place.

How long may we keep your personal information for?

We are only allowed to keep your personal information if we need it for one of the reasons mentioned previously. As a general rule, we will keep your information for 7 years from the end of your relationship with us, as it is likely that we will need the information for regulatory reasons or to defend or process a claim. We will also retain data in an anonymous form for statistical and analytical purposes, for example to assess risk of flood damage occurring.

When can you ask us to stop using your data?

If we rely on your consent to collect and process your personal information, you can ask us to stop using your personal information at any time by withdrawing your consent and we will stop using your personal information for these purposes with the exception for the reasons outlined previously namely regulatory purposes, claim management and statistical and analytical purposes.

What happens if you don’t give us some of your personal information?

Where you do not provide the personal information we need in order to provide the service you are asking for or to fulfil a legal requirement, we will not be able to provide the service that you are asking us to give you. We will tell you about why we need the information when we ask for it.

How to contact us about this privacy notice

We will be able to answer questions about this privacy notice or your requests to exercise your rights which are set out below. Any written enquiries should be addressed to NPA Insurance trading as Peach Pi, Mallinson House, 38-42 St Peter’s Street, St Albans, AL1 3NP. enquiries@peachpi.co.uk

You may contact us at the address above for one or more of the following reasons:

To ask us to correct information about you that is wrong or incomplete (the so-called “Right to rectification”). You can also call us on 0330 3141592 for the same reason, Monday to Friday 9.00 – 17.00.
To ask us to delete personal information about you (the so-called right to be forgotten).
To tell us you no longer agree to, that you object to, or that you wish to restrict us using information about you and ask us to stop.
A right of access, namely to ask us to provide you with a copy of all the personal information that we have about you. To receive this information please write to NPA Insurance at the above address.
A “data portability” right, namely to obtain the information that you have provided to us for your own purposes across different services. You may ask for this information to be provided directly to you or directly to another organisation. We will provide the information in a readable format

Are we covered by the Financial Services Compensation Scheme?

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit; for compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about the compensation arrangements is available from the FSCS (fscs.org.uk).

Treating you fairly

We aim to treat you fairly. We consider carefully the products we offer and we select or design them with our customers in mind. We work hard to make sure you’re not misled and that the information we provide is clear and understandable. Our complaints process is fair and accessible and we aim to put things right if we’ve made a mistake. We want you to be confident and comfortable in your dealings with us.

What to do if you have a complaint

Step 1

Please contact us: NPA Insurance trading as Peach Pi, Mallinson House, 38-42 St Peter’s Street, St Albans, Herts, AL1 3NP
By telephone – call 0330 3141592. Email enquiries@peachpi.co.uk

Step 2

If we have given you our final response and you are still dissatisfied you can refer your case to the Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Telephone 0800 0234 567 or fax 020 7964 1001.
Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk

Following the outlined complaints procedure will not affect your legal rights. Please provide your policy number on all correspondence. If you have a complaint against your insurer, please refer to the policy booklet for details of your insurer’s complaint procedure.

Applicable law

In the UK the law allows both you and us to choose the law applicable to this contract. This contract will be subject to the relevant law of England and Wales, Scotland, Northern Ireland, the Isle of Man or the Channel Islands depending upon your address stated in the schedule. If there is any dispute as to which law applies it will be English Law.