Terms of Service

Website Terms of Use & Terms of Business Roamly UK Ltd.

Version 1.0 | June 2026

IMPORTANT: Please read these Terms carefully before using this website or obtaining any insurance services from us. By accessing this website or requesting a quotation, you confirm that you have read, understood and agree to be bound by these Terms in their entirety. If you do not agree, please do not use this website.

1. About Roamly UK and Our Regulatory Status

Roamly UK Ltd ("Roamly UK", "we", "us" or "our") is a company incorporated in England and Wales (company number: 15613204). Our registered office is at 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT. Our VAT registration number is [●].

Roamly UK is an Appointed Representative of Richdale Brokers and Financial Services Ltd ("Richdale"), which is authorised and regulated by the Financial Conduct Authority (FCA) (Firm Reference Number: 769876). Roamly UK’s FCA Appointed Representative reference number is 979796. You can check Richdale's details and our status as an Appointed Representative at any time by visiting the FCA's Financial Services Register at www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

As an Appointed Representative, Roamly UK is permitted to carry out the regulated activities of arranging and administering general insurance contracts. Richdale, as our Principal, accepts responsibility for our regulated activities and is responsible for ensuring that we comply with the requirements of the FCA Handbook.

These Terms constitute both:

• the Website Terms of Use governing your access to and use of www.roamly.co.uk (the "Website"); and
• the Terms of Business governing the insurance services we provide to you.

These Terms should be read together with our Privacy Policy (available on our Website). By using the Website or requesting insurance services, you agree to be bound by these Terms.

2. Using the Website

2.1 Permitted Use

You may use the Website for lawful purposes only, in a manner consistent with all applicable laws and regulations. You must not use the Website:

• in any way that is unlawful, fraudulent or harmful, or in connection with any unlawful, fraudulent or harmful purpose or activity;
• to transmit any unsolicited or unauthorised advertising or promotional material;
• to upload or transmit any content that is defamatory, offensive, indecent, obscene or menacing;
• to gain, or attempt to gain, unauthorised access to any computer systems or networks connected to the Website;
• to transmit data that contains any virus, Trojan horse, worm, spyware or other malicious or technologically harmful material;
• in any manner that may impair, overburden, damage or disable the Website or servers or networks connected to it;
• to collect information about users of the Website without their consent; or
• to misrepresent your identity or affiliation with any person or organisation.

2.2 Modifications to the Website and These Terms

We reserve the right to modify, suspend or discontinue the Website (or any part of it) at any time and without notice. We also reserve the right to amend these Terms from time to time. Where we make material changes to these Terms, we will take reasonable steps to notify you (for example, by posting a notice on the Website or by email). The latest version of these Terms will always be available on the Website, together with the date of the most recent revision. By continuing to use the Website after any amendments take effect, you confirm your acceptance of the revised Terms. If you do not agree to any amended Terms, you should stop using our services.

2.3 Website Content

The content on the Website is provided for general information purposes only and does not constitute a personal recommendation or insurance advice. It is not a statement of contract, invitation to treat, or an offer or confirmation of coverage. You are encouraged to review specimen policy documentation, including the Insurance Product Information Document (IPID), before making any purchase decision.We make no representations or warranties that the Website content is accurate, complete, current or free from errors. The information on the Website relates to products and services available in the United Kingdom only.

2.4 Third-Party Links and Content

The Website may contain links to third-party websites. These links are provided for your convenience only and do not constitute our endorsement or recommendation of those websites. We have no control over the content of third-party websites and accept no responsibility or liability for them or for any loss or damage that may arise from your use of them.

3. Our Services

3.1 What We Do

Roamly UK is an independent insurance intermediary specialising in insurance solutions for commercial vehicle fleet owners. We arrange insurance for automobiles, recreational vehicles, motorhomes, campervans and related vehicle types, sourcing cover from a panel of authorised UK insurers and underwriters. We do not underwrite insurance ourselves.Our products are designed primarily for commercial fleet owners who rent their vehicles to third-party customers, whether through peer-to-peer rental marketplaces or through direct rental arrangements. We offer two core coverage solutions tailored to the rental lifecycle:

• Off-rental cover – insurance that protects the fleet owner’s vehicles while they are in the fleet owner’s possession and not on hire to a rental customer; and
• On-rental cover – insurance that protects the fleet owner and/or the rental customer while a vehicle is in the possession of, or being operated by, a rental customer.

The specific coverage available, its scope and any conditions will be set out in the relevant policy documentation provided to you. Not all products or coverage options may be available in all circumstances.Where insurance is offered through a third-party platform or fleet management software integration (such as Wheelbase Pro), the insurance products remain subject to these Terms and the terms of the relevant insurer’s policy. The third-party platform’s own terms of use govern your use of that platform and are separate from these Terms. We are not responsible for the availability, functionality or content of any third-party platform.We act as agent for you, the customer, in arranging your insurance. In certain circumstances we may act as agent of an insurer, and we will inform you in writing where this is the case before any transaction is concluded. As an Appointed Representative of Richdale, we conduct our regulated activities under Richdale’s authorisation.

3.2 Our Panel of Insurers

We place insurance with a selected panel of insurers rather than conducting a whole-of-market search. We maintain a list of insurers on our panel which is available on request. Our recommendations are based on our knowledge of the market and our assessment of which insurers are best suited to your needs.

3.3 Consumer Duty

We are committed to complying with the FCA's Consumer Duty. This means we aim to deliver good outcomes for retail customers by ensuring our products and services meet their needs, providing clear and timely communications, offering fair value, and supporting customers to pursue their financial interests. We take particular care to identify and respond appropriately to the needs of customers who may be in vulnerable circumstances. If you feel we have not met this standard, please let us know using our complaints procedure set out in Section 13 below.

4. Insurance Requirements and Duty of Disclosure

4.1 Consumer Customers

If you are obtaining insurance for personal, domestic or recreational purposes, the Consumer Insurance (Disclosure and Representations) Act 2012 applies. You have a duty to take reasonable care not to make a misrepresentation when applying for insurance, renewing a policy or making a mid-term change."Taking reasonable care" means you must answer all questions posed by us or the insurer honestly and to the best of your knowledge. If we ask for information in general terms, you should disclose anything that a reasonable person in your position would consider relevant to an insurer.If you make a careless or deliberate misrepresentation, the insurer may:

• cancel or void the policy;
• alter the terms of the policy (including charging additional premium); or
• reduce or refuse to pay a claim.

4.2 Business / Commercial Customers

If you are obtaining insurance for commercial or business purposes, the Insurance Act 2015 applies. You have a duty to make a fair presentation of the risk, which includes disclosing all material information known to you (or that you ought to know) about the risk being insured, in a manner that is clear, accessible and specific.

4.3 Mid-Term Changes and Renewals

Your duty of disclosure also applies at renewal and when you request any mid-term changes to your policy. You must notify us immediately if any information you have provided changes during the policy period, as this may affect the validity of your cover. Please contact us promptly so that we can obtain approval of any changes from insurers.

5. Quotations and Policy Documents

5.1 Quotations

All quotations generated through the Website are based on the information you provide and, in some cases, information we obtain from third-party sources. A quotation does not constitute a contract of insurance, a binder, a commitment to insure, or an invitation to treat. Coverage will only be in force when we confirm cover in writing and you have paid any premium required. Prior to the conclusion of a distance contract, we will provide you with the pre-contractual information required by the Financial Services (Distance Marketing) Regulations 2004.Quotations may be subject to change if the information provided changes or if we receive different information from third parties. Applications are subject to underwriting review and acceptance by the relevant insurer.

5.2 Policy Documents

When we confirm cover, we will send you policy documentation including (as applicable) an Insurance Product Information Document (IPID), policy schedule, policy wording and, where required, a Statement of Demands and Needs. Please read all documents carefully to ensure they accurately reflect the cover you requested.Pay particular attention to any conditions, exclusions or warranties that may affect the validity of your cover or any claims payment. If anything is inaccurate or unclear, please contact us immediately. We reserve the right to retain certain documents until all payments have been received.

6. Confirmation of Cover and Premium Payment

6.1 Payment of Premiums

Details of the premium payable and the due date for payment will be set out in the documentation we provide to you. You must pay the premium by the due date specified. Failure to pay on time may result in your policy being cancelled by the insurer and your cover lapsing.Where we arrange premium financing through a third-party finance provider, the terms and conditions of that provider will apply. We may receive a commission from the finance provider as set out in Section 8 below.

6.2 Renewals

Where we arrange a renewal of your policy, we will endeavour to provide renewal terms in good time before your renewal date. It is important that we receive your renewal instructions before the renewal date to ensure continuity of cover. We will advise you of the basis of any renewal invitation and whether we have conducted a review of the market on your behalf.

7. Claims

If you need to make a claim under your policy, you should contact us or your insurer as soon as reasonably practicable after a loss or incident. Claims contact details will be included in your policy documentation.Where we have a role in handling or notifying claims, we will endeavour to assist you and keep you informed of progress. The assessment, acceptance and settlement of claims are ultimately the responsibility of your insurer, subject to the terms and conditions of your policy.We reserve the right to request additional information before finalising any claim. Your claim is subject to the provisions of your policy and the terms under which we handle claims on behalf of the insurer.

8. Holding Client Money

In the course of arranging insurance on your behalf, we may receive and hold premiums and claims monies. Any money we hold on your behalf is treated as client money and is held in a segregated client bank account, separate from our own funds, in accordance with FCA requirements. Client money arrangements are overseen by Richdale as our Principal.Client money is held under the protection of a non-statutory trust in accordance with the FCA’s Client Assets Sourcebook (CASS). This means that in limited circumstances permitted by FCA rules, client money from one client may be used to pay premiums or claims for another client prior to the receipt of those funds from insurers. Any interest earned on client money in our client account is retained by us.We will pass on premiums to insurers in accordance with their terms of trade once payment has been received from you.

9. Remuneration

We are remunerated for our services primarily through brokerage commission, which is a percentage of your premium allowed to us by insurers. This commission is included within the premium you pay and does not constitute an additional charge to you.In some circumstances we may charge you a fee in addition to, or instead of, commission. Where this applies, we will inform you of the amount before you commit to a transaction.We may also receive additional payments from insurers based on the volume or profitability of business we place with them, or from premium finance providers. These arrangements do not affect our commitment to acting in your best interests.Further information about the nature and basis of our remuneration is available on request.

10. Cancellation of Cover

10.1 Your Right to Cancel

If you are a consumer, you have a statutory right to cancel your insurance policy within 14 days of inception or (if later) the date you receive your policy documents (the "cooling-off period”), in accordance with the Financial Services (Distance Marketing) Regulations 2004 and the FCA’s cancellation rules (ICOBS 7). To exercise this right, you may contact us by email, post or telephone using the details in Section 24. If you cancel within this period, you will receive a full refund of any premium paid, less a proportionate deduction for the period of cover already provided, provided no claim has been made. We will process any refund within 14 days of receiving your cancellation request.After the cooling-off period, you may cancel your policy at any time by notifying us in writing. Any refund of premium will depend on the terms of your policy; some policies do not provide a pro-rata refund, particularly where a claim has been made. Please check your policy wording for specific cancellation terms.

10.2 Cancellation by the Insurer

Insurers reserve the right to cancel policies in accordance with the terms of the policy, typically by giving notice in writing. We will notify you promptly if we become aware of an insurer's intention to cancel your policy.

11. Confidentiality

We will treat all information you provide to us as confidential. We will not disclose your information to any third party except:

• to insurers, underwriters, reinsurers and other intermediaries in the normal course of arranging and administering your insurance;
• to premium finance providers where you arrange instalment payments;
• to our Principal, Richdale, for regulatory oversight and compliance purposes;
• to service providers who assist us in providing our services, subject to appropriate confidentiality obligations;
• where required by law, regulation, court order or regulatory authority; or
• where you have given your consent.

We use the services of authorised third-party sanctions-checking providers to meet our obligations to check HM Treasury Sanctions Lists.Unless required by law or as set out above, all information you supply to us will be kept confidential to us and those parties involved in the normal course of arranging your insurance.

12. Data Protection and Privacy

We are committed to protecting your personal data and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Roamly UK is a data controller in respect of the personal data you provide to us. Our ICO registration number is [insert registration number].When you contact us for an insurance quotation or use our services, we collect personal information necessary to assess your insurance needs and arrange cover. This information will be shared with insurers, reinsurers and other intermediaries as necessary to provide our services. Our full Privacy Policy, which explains what information we collect, how we use it, your rights and how to exercise them, is available on our Website.Depending on the type of insurance you require, we may need to collect special category data (such as health information) or information about criminal convictions and offences. We will only collect such information where it is necessary for your insurance and where we have a lawful basis to do so. For special category data, we rely on the substantial public interest condition for insurance purposes under paragraph 1 of Part 2 of Schedule 1 to the Data Protection Act 2018.Your personal data may be processed for the following purposes:

• arranging, administering and renewing your insurance;
• handling claims and fraud prevention (including sharing data with fraud prevention databases and agencies);
• complying with our legal and regulatory obligations;
• communicating with you about products and services (where you have given your consent or where we have a legitimate interest in doing so); and
• improving our Website and services.

You have the right to access, correct, restrict or request deletion of personal information we hold about you, subject to applicable law and our legitimate interests (including retention obligations). Please contact us or refer to our Privacy Policy for further details.Providing the personal data we request is necessary for us to arrange and administer your insurance. If you do not provide the required information, we may be unable to obtain a quotation, arrange cover, or process a claim on your behalf.

13. Complaints

We are committed to providing a high standard of service. If you are dissatisfied with any aspect of our service, we want to hear from you. Complaints about our services may also be referred to Richdale as our Principal.

13.1 How to Complain

Please direct any complaint to us in the first instance by:

• Email: legal@roamly.com
• Post: Complaints Department, Roamly UK Ltd, 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT
• Website: www.roamly.co.uk/complaints

We will acknowledge your complaint promptly and handle it in accordance with the FCA's Dispute Resolution rules (DISP). We aim to resolve complaints within 8 weeks.

13.2 Financial Ombudsman Service

If you are dissatisfied with our final response, or if we have not resolved your complaint within 8 weeks, you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS), which provides a free and independent dispute resolution service. Details of the FOS are:

• Financial Ombudsman Service, Exchange Tower, London, E14 9SR
• Website: www.financial-ombudsman.org.uk
• Telephone: 0800 023 4567

Your right to refer a complaint to the FOS applies if you are an eligible complainant (for example, a consumer, micro-enterprise or certain other small businesses).If you contracted with us online, you may also be able to submit a complaint via the European Commission’s Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr. However, following the United Kingdom’s withdrawal from the European Union, this platform may not be available for UK-based disputes. In that case, please use our complaints procedure above or contact the Financial Ombudsman Service directly.

14. Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS) through our Principal, Richdale. You may be entitled to compensation from the FSCS in the unlikely event that we or the insurer cannot meet our obligations to you. This depends on the type of business and the circumstances of any claim.For insurance, the FSCS covers 90% of a claim with no upper limit. You can find further information about the scheme (including the amounts covered and eligibility to claim) from the FSCS:

• Website: www.fscs.org.uk
• Telephone: 0800 678 1100

15. Anti-Money Laundering and Financial Crime

We are subject to the Proceeds of Crime Act 2002 (POCA), the Terrorism Act 2000 and related anti-money laundering (AML) legislation. We may be required to:

• obtain satisfactory evidence of your identity and, in some cases, the identity of beneficial owners or related persons;
• conduct ongoing monitoring of our business relationship with you;
• report suspicious transactions or activity to the National Crime Agency (NCA) without being able to inform you that we have done so.

You must promptly provide any information or documentation we request for AML or "Know Your Customer" (KYC) purposes. If you fail to do so, or if the information provided is unsatisfactory, we may be unable to provide or continue to provide services to you.

16. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, software and the design, selection and arrangement thereof, is owned by or licensed to Roamly UK or its affiliates and is protected by United Kingdom and international intellectual property laws.You are permitted to access and use the Website content for your own personal, non-commercial use in connection with obtaining insurance services from us. You must not reproduce, distribute, modify, publicly display, transmit or create derivative works from any Website content without our prior written consent."Roamly", "Roamly UK" and associated logos are trademarks of Roamly Insurance Group, LLC or its affiliates. You must not use these marks without our prior written permission.

17. Insurer Security

We do not guarantee the solvency of any insurer we place business with. We use reasonable endeavours to place business with insurers of sound financial standing and monitor insurer security using information provided by rating agencies and in consultation with Richdale as our Principal. In the event of an insurer's insolvency, we accept no liability for outstanding claims or unearned premiums, though you may have recourse to the FSCS as described in Section 14.If you have particular concerns or requirements regarding the security of the insurer we recommend, please discuss these with us and we will endeavour to assist.

18. Limitation of Liability

Nothing in these Terms limits or excludes our liability for:

• death or personal injury caused by our negligence;
• fraud or fraudulent misrepresentation; or
• any other liability that cannot be limited or excluded by law.

In relation to consumer customers, your statutory rights under the Consumer Rights Act 2015 and other applicable consumer protection legislation are not affected by these Terms.Subject to the above, and to the extent permitted by applicable law (including the Consumer Rights Act 2015), our total liability to you in connection with these Terms and any services we provide shall not exceed the greater of: (a) the commission or fees we have received from you in respect of the relevant insurance transaction giving rise to the claim; or (b) the limit of our Professional Indemnity Insurance for the relevant claim.Subject to the above and to the extent permitted by law, we accept no liability for:

• any indirect, consequential, special or punitive loss or damage;
• loss of profit, revenue, business or opportunity;
• the acts or omissions of third parties (including insurers, premium finance providers or other service providers); or
• any failure to perform our obligations where such failure is caused by circumstances beyond our reasonable control (including but not limited to acts of God, flood, fire, pandemic, government action, cyber-attack or failure of third-party systems).

To the fullest extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis. To the extent permitted by law, we make no warranty, express or implied, including warranties of accuracy, fitness for a particular purpose or non-infringement. Nothing in this clause affects your statutory rights as a consumer.

19. Conflict of Interest

We maintain policies and procedures to identify and manage conflicts of interest, in accordance with requirements set by Richdale as our Principal. Where a potential conflict of interest arises, we will inform you as soon as reasonably practicable and manage it in accordance with our obligations under the FCA Handbook. If we are unable to manage a conflict of interest to your satisfaction, we may decline to act for you in respect of that matter.Our relationship with Richdale as our Principal and with our panel of insurers does not prevent us from acting in your best interests.

20. Retention of Records

We maintain records of all insurance contracts we arrange on your behalf in accordance with applicable law, regulatory requirements and the requirements of Richdale as our Principal. We will retain records for the minimum period required by law or regulation after the end of your policy (and in any event for no less than the period required by the FCA’s record-keeping rules in SYSC 9), after which they may be securely destroyed. Please contact us if you wish to obtain copies of records we hold relating to your policies.

21. Electronic Communications

By providing us with your email address and using our Website, you consent to receiving communications from us electronically, including pre-contractual information, policy documentation and other correspondence relating to the services we provide. You may withdraw your consent to electronic communications at any time by contacting us, in which case we will communicate with you by post. Electronic communications carry certain inherent risks, including interception, delay and loss of confidentiality. We do not accept liability for losses arising from the use of email or electronic communication where these risks materialise, provided we have taken reasonable precautions.We may monitor and record communications (including telephone calls) for regulatory compliance, training and business continuity purposes, in accordance with applicable law.

22. Governing Law and Jurisdiction

These Terms are governed by and shall be construed in accordance with the laws of England and Wales. Subject to your rights as a consumer (see below), the courts of England and Wales shall have non-exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms or our services, including any dispute relating to non-contractual obligations.Nothing in this clause affects your statutory rights as a consumer, including any right to bring proceedings in the courts of Scotland, Northern Ireland or another jurisdiction in which you are habitually resident.

23. General

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing signed by an authorised representative of Roamly UK.These Terms, together with our Privacy Policy and Cookie Policy (each available on our Website), constitute the entire agreement between you and us in relation to your use of the Website and the provision of our services, and supersede all previous agreements, representations and understandings. Nothing in these Terms affects any rights you may have under the Consumer Rights Act 2015, the Financial Services (Distance Marketing) Regulations 2004, or any other applicable legislation that cannot be excluded or limited by contract.

24. Contact Details

If you have any questions about these Terms or our services, please contact us:

• Website: www.roamly.co.uk
• Email: dan@roamly.com
• Legal / Compliance: legal@roamly.com
• Address: 3rd Floor, 1 Ashley Road, Altrincham, Cheshire, WA14 2DT