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Terms & Conditions

We, at Fender S.A., acting under our capacity as an independent insurance intermediary, strive to provide a high standard of professional services to our clients. We undertake to act with due diligence and integrity in order to ensure that our clients’ risks are placed with the best available securities in the market at the most competitive rates.

The purpose of these Terms & Conditions is to set out, in brief, a framework for the provision of our services to our clients, highlighting certain general information, key practices and aspects of our business.

You are encouraged to read through the terms carefully and in case you have any queries, you may contact us at

I. Provision of Your Instructions
Prior to approaching the insurance market, you will be requested to furnish us with all the necessary information in order to seek appropriate quotations and placements and might be required to fill out a proposal form. Any information provided to us must be true and accurate.

II. Your Duty of Disclosure
As an insurance contract is one of utmost good faith, you owe a duty of disclosure to Insurers. You ought to make a fair presentation of the risk and disclose any information you known or should know which is material to the risk. A fact is considered material if it would influence the judgment of a prudent insurer in fixing the premium, or determining whether he will take the risk. If, however, you are not sure whether the information is material, it must be disclosed.

The duty of disclosure, as a continuing obligation, applies to all stages i.e. before the inception of the cover, during the period of coverage, upon the renewal, extension or amendment to the insurance policy.

Failure to disclose any material fact, depending on the circumstances, might result in the insurance contract being void ab initio or amended and any claims made may not be paid or reimbursed.

It should be noted that your duty of disclosure and any consequences arising from its breach may vary from those outlined above depending on the law which applies to the insurance contract.

III. Warranties, Conditions & Subjectivities
Any warranties and conditions of the policy, whether express or implied, must be strictly complied with as failure to do so may result in your cover rendered void and claims not being paid.

In case a subjectivity is not met, the insurance contract may be invalidated or coverage prejudiced. You should always ensure that the subjectivity is fulfilled at the earliest opportunity.

IV. Premium payment terms
Premiums should be paid within the timeframe stipulated on the premium Debit Note which depends on each Underwriter’s payment policy.

V. Premium Taxes, Duties & Other Charges
In addition to the payable premium, an insurance premium tax, duty or other charge may also be included in the premium Debit Note. Such charges are usually remitted by the Insurers to the relevant authority, although Insurers might allow to be deducted from the premium payable.

You should ensure that payment is effected to the relevant authority, unless otherwise stated in our formal Debit Note.

VI. Conflict of Interest
In the course of our business, it may be the case that a conflict of interest may arise. We will take all the necessary steps to ensure that no party will be prejudiced.

VII. Confidentiality and Data Protection
Any information obtained from you will be held confidential. It will not be used or disclosed to third parties unless it is necessary for the normal course of our business i.e. for negotiating, maintaining or renewing your insurance policy.

As far as your personal data are concerned, Fender S.A. acts in compliance with the EU General Data Protection Regulation 2016/679. For more details you may access our Privacy Policy here

VIII. Complaints Procedure
It is ensured that the submission of a complaint will be easy and the handling of the procedure will be treated with sensitivity and confidentiality.

  • Once being advised of your complaint either in writing via the online contact form on our website or via letter, or orally through telephone or in person, the complaint enters the filing and investigation system of our company and takes a unique reference number.
  • We shall acknowledge receipt of your complaint and advise you of the reference number.
  • After a thorough but immediate investigation, a response containing the conclusions from the investigation and/or any action taken as a result of the complaint will be sent within a reasonable timeframe.
  • The complaint will be deemed closed if no negative or further response by the complainant is received within a calendar month.
  • By lodging a complaint to Fender, you are not deprived of any legal rights you may have.