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Elliott Slowther Insurance Services Ltd trading as Multi Gadget Insure and A19 Insurance – Terms Of Business Agreement

This Terms Of Business Agreement sets out our terms and conditions and is effective once it is received by you, and will remain in force until we issue a revised version. It is applicable solely to the multi gadget and single gadget policies that we offer and sell, and not to any other type of general insurance that we may make available.

Elliott Slowther Insurance are independent insurance intermediaries, acting for a number of general insurance companies for the selling of general insurance. Once we have confirmed our terms and conditions in writing, they will be deemed to be acceptable unless you advise us to the contrary within fourteen days.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available on the FSCS website or by telephoning 0207 741 4100.

Whose products do we offer?

On the Multi Gadget.Insure website we offer and sell single gadget and multi gadget insurance policies only from Great Lakes Insurance SE.

Insurer Information

This insurance is arranged by Supercover Insurance Limited and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. Supercover Insurance Limited and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority.Great Lakes Insurance SE, UK Branch, is authorised by BundesanstaltfürFinanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

Our Services

Our permitted business is arranging general insurance contracts for our customers, which includes arranging gadget insurance. A detailed description of any insurance policy we arrange on your behalf will be contained in a Key Facts summary, which is made available to you on our website as part of the process of you obtaining a quotation from us. A specimen copy of the full Policy Wording is also available to download and view from our website.

Quotations are based on the information provided by you at the time of the quotation and are valid for 14 days from that date. All premiums quoted include the government’s Insurance Premium Tax at the current rate. We only provide insurance for customers based in the United Kingdom and all premium transactions are in pounds sterling.

You must pay your premium before we can arrange cover for you, unless otherwise stated. This may be either the full premium due or a deposit amount if we have agreed that the premium may be paid by instalments. You will be provided with renewal terms in good time prior to the expiry date of the policy, or notified if renewal is not being invited.

Demands and Needs Statement

This policy meets the demands and needs of those who wish to insure against the cost of replacing hand-held gadgets that are stolen, lost, break down or are damaged accidentally. Some customers may have existing cover as part of a packaged bank account or limited cover as part of a Home Insurance policy. To avoid purchasing dual cover, we recommend that you check you do not have cover elsewhere.

Statement of Facts

In order to be eligible for the Insurance you must be able to give positive answers to the following:

You are a resident of the UK, and aged 18 or over.
Your gadget are in good condition and full working order at the time this policy was purchased.
Your gadget were purchased as new in the UK, or purchased as refurbished in the UK direct from the Manufacturer or Network, and you evidence of ownership in the event of a claim or if otherwise requested.
Your gadgets are not more than 18 months old at the time this policy was purchased.
Your gadgets are owned by you or members of your immediate family.
You have read and accepted the policy terms and conditions as stated in your Policy Wording document.

Provision of documentation by us

We will endeavor to issue your policy documentation on the day you arrange cover through us however in any case, within 1 working day from the date of purchase. In the event of your purchase being made outside of normal office hours your documentation may be issued on the next working day. All documents are electronically transmitted by email and not by post unless requested.



Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you do not your policy may be cancelled or your claim not fully paid. You are reminded that the Insurers consider it an offence to make any false statements or withhold any relevant information to obtain an insurance policy or when making a claim.

Provision of documentation by you 

If you are required to provide supporting documentation to support your claim, we strongly recommend you use Recorded Delivery or other traceable postage method to send this information to the Insurer. In the event that important information is not provided, they will attempt to advise you by telephone, will write to you by standard mail or e-mail before your policy is terminated.

Understanding your policy terms 

It is important that you read your documentation carefully. The Policy Wording, Key Facts and Policy Schedule are the basis of the cover you have purchased. Please make sure that you understand them and are able to follow their requirements. If you are in any doubt about the terms and conditions of the policy then contact us for clarification. Breach of any terms, conditions or warranties may result in the termination of your policy with associated charges or may invalidate a claim.

Purchasing your policy online 

As you will have purchased your policy online it is essential that you ensure that all information you provide is accurate as we depend solely on the information you provide to set up your policy. Any non-disclosure or inaccuracy may lead to cancellation of your policy or non-payment of a claim. It is also essential to read and fully understand the terms of your policy when the documents are sent in the event that any important information has been overlooked online. We can then help you resolve any issues you have with the policy within the first fourteen days when the policy can easily be cancelled if necessary. Please contact us if you have any concerns about the information you have provided or the terms and conditions of a policy you have set up online.

To assist with your purchase, Key Facts and Policy Wording documents are accessible from our website.


Data Protection Act 

We and/or the Insurers and/or credit providers may use publicly available data from a variety of sources, include credit reference agencies and other external organisations to verify your identity or creditworthiness, to avoid fraud, and to obtain beneficial quotes and payment options on your behalf. Each of the searches may appear on your credit report whether or not your application proceeds.

We will treat all customers’ personal information in a confidential manner, and we will ask a series of questions to ensure that we are speaking to our customer and not a person who is not authorised to ask questions or give instructions to us. Your data is held in compliance with the legislative requirements. We can only take instructions to effect or to alter a policy in some way from the Policyholder themselves, or their legal representative.

By accepting this Terms Of Business Agreement, you agree to these uses of your information.

Insurance Fraud 

The Insurers will process your claim under the terms and conditions of this insurance based on the first reason notified to us for the claim. If your claim is not covered and you then submit a claim having changed the reason then they will consider this as fraud. Details of all such cases will be passed to appropriate agencies for action.


We are committed to delivering a high standard of customer service at all times but in the unlikely event that you have cause for complaint you should in the first instance contact our customer service team on 0203 794 9300, who will try to quickly resolve the issue. If you are still dissatisfied with the response received, you should put your complaint in writing to: Direct Group, PO Box 1291, Preston, Pr2 OQJ or by email to You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your enquiry.

The Insurers will make every effort to resolve your complaint immediately.  If they cannot resolve your complaint by the end of the third business day after receipt, they will acknowledge your complaint within 5 days of receipt and do their best to resolve the problem within four weeks by sending you a final response letter.

If they are unable to resolve your complaint in this time then they will write to advise you of progress and will endeavour to resolve your complaint within the following four weeks or explain the current position and provide you with a timescale for a full response.  If you are still dissatisfied after receiving the final response letter, you may refer your complaint to the Financial Ombudsman Service.

Financial Ombudsman Service
Exchange Tower
London E14 9SR
0800 023 4 567

You have the right of referral within six months of the date of your final response letter. Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action. To use their service you must have first of all referred your complaint to us, and your referral to them must have been sent within six months of our final response letter. Full details of our complaints handling procedures are available on request.

Alternatively, you can use the Online Dispute Resolution Platform (ODR)

You may go directly to The Financial Ombudsman Service with your complaint, but the Ombudsman will only review your complaint at this stage with our consent.


In the event of a claim please refer to your policy documents for the claims procedure. Please note that if the Insurers replace your gadgets then the damaged or lost item becomes theirs. If it is returned or found you must notify them and send it to them if asked to.

Your Gadget Cover insurance policy is underwritten by Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. To help us improve our service we may record or monitor telephone calls.


Our remuneration is a percentage of the insurance premium paid by you and allowed to us by the Insurer with whom the insurance policy is placed.


When you take out or renew a policy with us we make no charges in addition to the Insurer’s premium. However, all documents are electronically transmitted by email but should you request that they are sent by post then a £5.00 charge will apply for administration and postage.


Cancelling within fourteen days 

You have the right to cancel your policy during a period of 14 days either from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On receipt of your written notice of cancellation you will receive a full refund of all premium paid provided that no claim has been paid by us and you do not intend to make a claim under this insurance.

Cancelling after the first fourteen days 

Unless otherwise stated, insurance policies are arranged for a period of 12 months and you are required to pay the full amount stated. If you wish to cancel the policy before the expiry date (other than within the first fourteen days as above) and there have been no claims, we will refer to the published cancellation procedures as detailed in your policy documents and you may also incur cancellation charges.

We may cancel the policy by giving you 30 days’ notice in writing unless the Direct Debit has not been honoured and any payment due has not been received by us, whereby your policy will be cancelled immediately. In the event of any claim, you are responsible for the payment of any outstanding premium.

We recommend that you read the Key Facts document (available on our website) carefully before making a decision to purchase insurance cover. If you have made a claim then it is unlikely that any premium will be refunded.

Policies Cancelled by Us or the Insurer

Your policy may be cancelled by us or the Insurers, for reasons such as misrepresentation, failure to take reasonable care not to make a misrepresentation and providing false or incomplete information when requested at point of claim. Your Insurers may also decline the claim and cancel the policy with immediate effect.

Direct Debit Default on monthly policies with 1st month free

Should you default on your first payment after receiving the first month free, or cancel your Direct Debit Mandate prior to your first payment being due, the policy will be cancelled on the date we are informed by GoCardless (our Direct Debit provider) of the payment rejection or mandate cancellation.

If we have received one or more successful payments from you and you subsequently default on a further payment, we will make a second attempt to collect the outstanding payment. If the second attempt also defaults, then your policy will be cancelled with immediate effect.

Direct Debit Default when paying annual

Should you default on your first payment and we do not receive premium by any other method then it will be deemed that no insurance has been in force.

How to cancel 

To exercise your right to cancel, please contact us at the address or telephone number shown on your Policy Schedule. If being sent via post, we strongly recommend you use Recorded Delivery or other traceable postage method to advise of cancellation and to return your documents (if applicable). We are not responsible for documents that have been lost in transit.



Unless otherwise agreed payments are due on the date arranged with GoCardless.


Any refunds will be issued to the policyholder. This is dependent on the Insurer returning the premium to us and can take up to 4 weeks. Most refunds are issued back to the method that original payment was made with, or alternatively a cheque will be issued.


To make the process of renewal easier, we may automatically renew a policy and take payment by the same payment method as the previous year. We will always write to advise you before we automatically renew any policy and give you the opportunity to contact us to cancel the renewal. Your annual renewal payment would be charged on the anniversary of the date you initially took out the policy.


Premiums that we collect from you are held in an insurance broking bank account specifically for the purpose of holding client money. By virtue of agreements held with the Insurers, we collect premiums as agents of the Insurer. Once we have collected the premium from you, under the terms of our agreements with the Insurers, those premiums are treated as having been paid to the insurer.

Money that we collect from you will be held in a segregated account, separate from our own business account, and will be remitted to the Insurers in accordance with our agreement with them. If we become insolvent, the terms of the trust dictate that the Insurers will have a prior claim on the money in the account according to their respective interests.

Earning interest on customer premiums 

We hold premiums that you pay us in our client money bank account. Under Financial Conduct Authority regulations we have to inform you that we may earn interest from money held in this account. Interest earned will not be held for the benefit of customers.

We may also invest these premiums in a range of permitted designated investments as prescribed by the Financial Conduct Authority. In the event that there is any shortfall in our client money resource attributable to falls in the market value of any of these permitted designated investments we shall make provision for, and bear the cost of, any such shortfall.

Customer money passed to another organisation 

In accordance with Financial Conduct Authority Regulations we have to inform you that in managing or arranging your insurance requirements, we may transfer money that you have paid us in payment of an insurance premium to another insurance intermediary. This has no effect on your insurance arrangements with us as your broker or your insurer.


This agreement shall be governed by the laws of England and Wales and the parties agree that any dispute arising out of it shall be subject to the exclusive jurisdiction of the English Courts.


No variation of these terms is held to be valid unless in writing and signed by an authorised officer of the company. The company’s staff are not authorised to agree to any variation of these terms. From time to time the company may review the terms and reserve the right to amend them without notice.


Agreement to our Terms of Business does not affect your statutory rights. These are our stated Terms of Business. We will assume you are in agreement with these terms unless you notify us to the contrary within five days of receipt of the documents.

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