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This Policy is distributed by which is operated by Questor Insurance Services Limited who are duly authorised to act as the agent for Ironshore Europe Limited under Agreement Number B6081TB001161B. Questor Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 466942) for the sale and administration of general insurance products in the United Kingdom and throughout the Members of the European Economic Area (EEA).


This Policy is underwritten by Ironshore Europe DAC via its London Branch.

  1. Ironshore Europe DAC is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority.
    • Registered number: 484148.
    • Registered office: 2 Shelbourne Buildings, Shelbourne Road, Ballsbridge, Dublin 4, Ireland.
  2. Ironshore Europe DAC's London branch is registered at Companies House.
    • Registration number: BR015288
    • Registered address: 2nd Floor South, 3 Minster Court, Mincing lane, London EC3R 7DD, United Kingdom

Details about the extent of regulation by the Financial Conduct Authority are available on request. These details can be checked on the FCA’s Financial Services Register via their website or by contacting them on 0800 111 6768.

Regulation, Jurisdiction and Law:

This Policy is issued from the United Kingdom and shall be governed by the Laws of England and Wales, whose courts alone shall have jurisdiction in any dispute. Sold in accordance with the standards laid down by the Financial Conduct Authority the recognised Regulator in the United Kingdom. The provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 apply.


The claim payment is tax-free. will charge the amount of Insurance Premium Tax as directed by Her Majesty’s Revenue and Customs (HMRC). The Government may change the tax position.

Right to Cancel the Policy:

We will refund your premium in full if within fourteen (14) days of purchasing this Policy you decide that it does not meet your needs, provided that you have already paid the premium in full and have not reported or intend to report a claim.

After the fourteen (14) days has expired, you may cancel the Policy but will not receive a refund.

We may at any time cancel the Policy giving you fourteen (14) days' written notice to your last known address where there is a valid reason for doing so. Provided the premium has been paid in full, you will be entitled to a proportionate refund of premium in respect of the unexpired period showing on the Policy.

Sanctions checking:

We screen high risk individuals and fulfil compliance and anti-money laundering obligations by looking at various sanctions and watch lists issued by governments, financial market regulators and law enforcement bodies from across the world.

Claim Notification:

We have appointed Orchard Administration Limited to handle all claims on our behalf. You should submit your claim with all supporting documents online to Orchard Administration Limited who’s contact details are:

    Address: Third Floor Riverside House, 40-46 High Street, Maidstone, Kent, ME14 1JH, United Kingdom
    Tel: 0333 3230 095 or +44 1634 382 574 (Outside UK)
    Office Hours: 09:00 to 17:00 Monday to Friday excluding UK Bank Holidays

If you do not have access to the internet please call their number during office hours to arrange an alternative method of notification.

Complaints Procedure:

We do everything possible to make sure that you receive a high standard of service. If you are not satisfied, please contact:

Customer Service Manager: Questor Insurance Services Limited trading as

    1st Floor Orchard House Station Road Kent ME8 7RS, United Kingdom

Please provide full details of your Policy, Policy Certificate and in particular your Policy number to help us deal with your complaint. If you are still not satisfied with the way in which your complaint has been dealt with, then you should contact:

    The Financial Ombudsman’s Service.
    South Quay Plaza
    183 Marsh Wall
    London E14 9SR
    United Kingdom
    Telephone: - +44 800 023 4 567 or +44 300 123 9 123

The Financial Ombudsman's decision is binding upon us but you are free to reject it without affecting your legal rights.

The Financial Services Compensation Scheme ("FSCS"):

FSCS covers Ironshore Europe Limited and Questor Insurance Services Limited in the event that either is unable to meets its obligations. You may be entitled to compensation from the scheme in such circumstances but this will depend on the circumstances. For further information please contact:

    Financial Services Compensation Scheme
    10th Floor Beaufort House
    15 St Botolph Street
    London, EC3A 7QU
    United Kingdom
    Telephone: 0800 678 1100 or 020 7741 4100