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Terms Of Business

– Our Terms of Business

1. dencover

dencover is the trading name of Unum Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Milton Court, Dorking, Surrey RH4 3LZ. Registered in England 983768.

2. Condition of use

Please read these conditions carefully. They will form an important part of any contract between us, the insurance company, and you. By applying for insurance on our website you agree to be bound by these terms and by proceeding you confirm you have read and understood these terms.

3. General

The information on our website is directed only at UK residents. The products and services we sell are only available to UK residents. By completing a request for a quotation you confirm that you are a resident in the UK and you will immediately notify us if you cease to be a resident in the UK. The content of our website and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the contract of insurance shall be subject to the law of England and Wales and to the exclusive jurisdiction of the English courts.

4. Data Protection and Privacy Statement

We will hold and process any personal data you submit in the course of applying for dental or other insurance cover. This data will include information regarding direct debit mandates. We will be acting as data controller under the Data Protection Act 1998 (“DPA”) in relation to such personal data and are committed to complying with our legal obligations under the DPA. We will use your personal data for the purposes of arranging the provision of insurance to you, dealing with renewals, administering and processing any claims and to improve our understanding of your interests in our products and services.

We will also use your personal data to contact you, by post, telephone and email about products and services which we believe will be of interest to you and we will pass your information on to our group or associated companies for the same purpose. If you do not wish to receive marketing communications from us and/or other group companies please contact us at and we will remove your details from our marketing database.

We may record or monitor telephone calls for training, compliance, counter fraud and claims purposes and with the aim of improving the services that we provide to you.

5. Websites

The dencover website may contain links to other websites. We do not accept responsibility or liability for the content of these websites.

6. Important - Consumer Insurance (Disclosure & Representations) Act

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim may be rejected or not fully paid.

It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Particular attention must be paid to any conditions as failure to comply with them could invalidate your policy.

7. Cancellation

You may cancel your policy by giving notice to us in writing. Please refer to your policy wording for details of your cancellation terms.

8. Renewal of your Insurance

Your policy will renew automatically, unless you advise us that you wish to cancel the policy. In the event the premium you need to pay changes we will provide you with notification of any change in the premium.

9. Accuracy of information (website content)

We have taken every reasonable step to make sure the information contained in our website is accurate and up-to-date, and would like to hear your views about site content. However, we cannot accept any responsibility for any errors or omissions.

10. Copyright

The word “dencover” and the dencover logo are protected by copyright. The material contained in our website is owned by us. You may view any part of the dencover website, and print a copy of it for your personal use. You may not use, copy or distribute any of the material contained in the dencover websites for any other purpose, nor incorporate or distribute it in any other form or publication.

11. Revisions

We may revise these terms of business by updating this document at any time. If you renew your insurance policy with us, or purchase a new product or service, you will be bound by the then current terms of business, which may differ from this version.

If you proceed, and access the information included in the dencover website, we will take it that you have read, understood, and accepted the conditions contained in these pages.

12. Our Services

We do not provide you with advice as to the suitability of the insurance policy for your needs, but we can provide information on the policy.

13. Complaints

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service please tell us and we will do our best to resolve the problem immediately. If you have a complaint please contact us:

By letter: dencover Customer Relations Team - PO Box 1193, Doncaster, DN1 9PW.

By phone: 0800 180 4505

By email:

If it is not possible to fully resolve your complaint straight away we will acknowledge your complaint within five working days of receipt. One of our authorised complaints handlers will investigate your complaint and keep you informed of our progress.

We hope to resolve your complaint to your satisfaction. However, if you remain dissatisfied or if our investigations have not been completed within eight weeks you can refer your complaint to the Financial Ombudsman Service:

The Financial Ombudsman Service

Exchange Tower

London E14 9SR

Helpline: 0800 023 4567

Mobiles: 0300 123 9 123



Alternatively you can contact the Online Dispute Resolution - ODR Platform. This platform has been set up by the European Commission to allow consumers who have a complaint about a product or service bought online to submit the complaint using the platform. It is intended to facilitate resolution of complaints rather than resolve them.

14. Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations.

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