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Professional Indemnity Insurer

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Public Liability Insurer

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Your Employers Liability

Employers Liability Insurer

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Your Cyber Insurance

Cyber Insurance Insurer

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Please confirm that you have the following FCA Required Policies and Procedures approved by your compliance department/advisor

Consumer Duty/Treating Customers Fairly

Vulnerable Customer

Complaints Register

Anti-bribery

Anti-money laundering

Financial crime

Financial Sanctions

Training & Competence

Product Governance

Disaster Recovery/Business Continuity

Sales scripts

Sales Advice

Does your business service operate on an advised or non- advised basis (delete as appropriate)?

Current disputes/FCA investigations

Are you currently engaged in a business dispute or FCA investigation? If your answer is yes, please provide us with details under separate cover

Appointed Representatives

Does your business act as principal for either Introducer Appointed Representatives or Appointed Representatives?

If yes, will they be providing Nice 1 Products?

If yes are approved FCA oversight/audit measures in place?

Please read and accept our terms and conditions. Click here to read instructions.

Please read and accept our terms of business agreement. Click here to read instructions.

Please read terms and condition in order to accept it.

Please read terms of business agreement in order to accept it.

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Terms and Conditions

This web site is owned and maintained by Nice 1 Limited. The use of this web site is subject to the following terms and conditions which you should read carefully. By using this web site you agree to be legally bound by these terms and conditions. If you do not accept these terms and conditions, please do not use this web site.

Use of web site

The information, service and products on this web site are intended for use by residents of the UK only, and are not aimed at or intended for use by residents of any other jurisdiction.

This web site is designed to be accessed through its principal product home pages and such other pages as we may decide. If you access the site through individual pages directly, which are designed for this purpose, you may not see important information which is relevant to a full understanding of our products and services. Where necessary you may be referred on certain site pages to read 'Important Information'. This Important Information will contain important product details and relevant legal or regulatory information and should be read in conjunction with the relevant site pages.

Exclusion of liability

Whilst we have taken all reasonable steps to ensure the accuracy and completeness of the information on this web site, we give no warranty and make no representation regarding the accuracy or completeness of the content of this web site. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this web site. Further, no warranty is given that the web site shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this web site by unauthorised third parties.

Access to and use of this web site is at the user's own risk and we do not warrant that the use of this web site or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection.

Nothing in these terms and conditions shall exclude or limit our duties and liabilities under any applicable legislation or any conduct of business rules which we are bound to comply with. Further, nothing in these terms and conditions shall attempt to exclude liability for death or personal injury or for fraudulent misrepresentation.

This web site contains links to other web sites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such sites at your own risk, and we make no representations regarding the content of any such web site. We cannot be liable for any loss or damage which may arise from the use of such third party web sites.

Cancelation Policy

You may cancel your policy within the 14 days from your cover start date and obtain a full refund of premium by contacting the agent that sold you the policy, providing you have not made any claims under this policy. After this 14 day period, you may cancel this policy, but no refund of premium will be made.

We may cancel your policy by sending 21 days' written notice to you at the postal address last known to us. Where a claim has not already been paid by us under your current policy and provided we are not cancelling because of a false declaration or fraud by you and your premium has been fully paid then we will return your premium less the proportionate part corresponding to the period of insurance the policy has been in force.

Description of Services

Prior to purchasing any of the policies available on this website from one of our authorised agents, you should read carefully the Key Facts document and policy document applicable to your enquiry. These documents contain all the information you require, in an easy to read format, to ensure you are able to make an informed buying decision. They are available for you to download via the agent selling the product, in the product description section headed: Key Facts.

General Exclusions

Cover only applies only in the United Kingdom. Cover only applies to the vehicle or vehicles shown on the Policy Schedule. Cover is not transferable.

Delivery Policy

All documentation relating to quotations or purchases will be sent to you by email. Should you require to retrieve your documentation at a later date, you may do so by contacting the agent that sold you the policy.

Currency & Merchant Domicile

All transactions are conducted in pounds sterling. Nice 1 Limited is domiciled in England and all transactions conducted are governed by the laws of England and Wales.

Copyright

All rights, save as expressly granted, are reserved. Reproduction in any form of any part of the contents of this web site without our prior consent is prohibited unless for personal use only.

Trademarks

This web site contains trade marks belonging to Nice 1 Limited and its affiliated Companies. The unregistered trademarks include graphics, logos, words, phrases and icons contained on this web site. No rights are granted in respect of any of the above trade marks. If you are in doubt whether an item is a trade mark of Nice 1 Limited or its affiliated Companies, please contact us for clarification at the address on our contact page.

Advice

The contents of this web site do not purport to provide any financial, investment or professional advice and nothing on the pages of this web site shall be deemed to constitute the provision of financial, investment or other professional advice in any way.

Governing Laws

The terms and conditions of this web site are governed by the laws of England. And any dispute regarding this web site shall be subject to the exclusive jurisdiction of the English courts.

Changes to web site

The contents of this web site, including these terms and conditions of use are subject to change by us without notice.

Regulatory Inventions

Nice 1 Limited is registered in England under company No 6082902. Registered Office: Nice 1 House, Broad Lanes, Bilston, West Midlands WV14 0RQ.

Nice 1 Limited is authorised and regulated by the Financial Conduct Authority. FCA Reference Number (FRN) is 650309. Their name, address and regulatory status can be checked by visiting the FCA website at http//www.fca.org.uk.

The Financial Conduct Authority (FCA) is the independent watchdog set up by the government to regulate financial services in the UK, and to protect the rights of the retail customer.

TERMS OF BUSINESS AGREEMENT

The standard Lorem Ipsum passage, used since the 1500s

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum."

Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC

"Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?"

1914 translation by H. Rackham

"But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?"

Section 1.10.33 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC

"At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas molestias excepturi sint occaecati cupiditate non provident, similique sunt in culpa qui officia deserunt mollitia animi, id est laborum et dolorum fuga. Et harum quidem rerum facilis est et expedita distinctio. Nam libero tempore, cum soluta nobis est eligendi optio cumque nihil impedit quo minus id quod maxime placeat facere possimus, omnis voluptas assumenda est, omnis dolor repellendus. Temporibus autem quibusdam et aut officiis debitis aut rerum necessitatibus saepe eveniet ut et voluptates repudiandae sint et molestiae non recusandae. Itaque earum rerum hic tenetur a sapiente delectus, ut aut reiciendis voluptatibus maiores alias consequatur aut perferendis doloribus asperiores repellat."