Terms of use

1. Who we are

1.1 The App is provided by First Central Insurance Management Limited (“FCIM”), trading as Picnic and 1st Central ("Picnic", "we", "us" or "our").

1.2 Picnic is powered by 1st Central. Picnic and 1st Central are trading names of FCIM, which is authorised and regulated by the Financial Conduct Authority (firm reference number: 483296). FCIM is registered in England and Wales (number: 06489797) at Capital House, 1–5 Perrymount Road, Haywards Heath, West Sussex, RH16 3SY.

1.3 These App Terms govern your use of the App. They are separate from, and do not amend, the policy wording, statement of fact, policy schedule and any other documents that make up your contract of insurance with your insurer (together, your “Policy Documents”). If there is any conflict between these App Terms and your Policy Documents in relation to your Insurance Cover, your Policy Documents take priority.

1.4The App gives you access to certain features relating to your Picnic insurance policy (“your Policy”), including the ability to make general enquiries and to action certain requests on your Policy. The App is for domestic and private use only.

2. Acceptance of These App Terms

2.1 By downloading, registering for, or using the App, you confirm that you accept these App Terms and agree to comply with them. If you do not agree to these App Terms, you must not download or use the App.

2.2 These App Terms apply in addition to any terms and conditions imposed by the operator of the App Store Provider from which you downloaded the App.

4. Eligibility and Registration
 
4.1 You must be the policyholder named on your Policy, or a permitted additional user authorised by the policyholder, and at least 17 years old, to register for and use the App.

4.2 To register, you will need to provide accurate, current and complete information, including details that allow us to verify you against your Policy (for example, your policy number, email address and date of birth).

4.3 You must keep your registration details up to date. If any information you provide is, or becomes, inaccurate or incomplete, we may be unable to verify you, and we may suspend or restrict your access to the App.

4.4 We may carry out identity and security checks when you register and from time to time while you use the App, to protect your Account and your Policy from unauthorised access.

4.5 We may decline to register you, or may suspend or close your Account, where we reasonably believe this is necessary to protect you, us, or any third party, or to comply with any law or regulation.

4.6 If you download the App onto any other device not owned by you, you must have the owner's permission to do so, and we will accept no related responsibility. You will be responsible for complying with these terms, whether or not you own the other device.

5. About the App

5.1 The App allows you to:
 - View information about your Policy;
 - Make general enquiries about your Policy and about Picnic,
 - Carry out certain Self-Service Transactions (such as a change of address or a change of vehicle);
 - Make payments towards your Policy; and
 - Access documents relating to your Policy.

5.2 The features available through the App may change from time to time, and not all features may be available to all customers or for all types of Policy.

5.3 The App is a tool to help you manage your Policy more conveniently. It does not replace, and you should continue to refer to, your Policy Documents for the full terms of your Insurance Cover.

5.4 The App have not been developed to meet your individual requirements, and we accept no responsibility for the same.

6. Your Account, Login and Security

6.1 You are responsible for keeping your login details (including any password, PIN, or biometric login method) confidential and secure.

6.2 You must not let anyone else access or use the App on your behalf, except where you have a permitted additional user authorised on your Policy.

6.3 You must tell us as soon as possible (see clause 17 Contact Us) if you know or suspect that your Account has been accessed without your permission, or that your login details have been lost, stolen, or compromised.

6.4 We may use biometric authentication (such as fingerprint or face recognition), where supported by your device, and where you choose to enable this. Biometric data is processed by your device's operating system and is not stored or accessed by us.

6.5 We are not responsible for any loss you suffer as a result of unauthorised use of your Account, including where this is caused by your failure to keep your login details secure, except to the extent required by law.

7. Acceptable Use

7.1 You agree to use the App only for its intended purpose, lawfully, and in accordance with these App Terms.

7.2 You must not:

7.3 We may suspend or terminate your access to the App if we reasonably believe you have breached this clause 7.

8. Self-Service Transactions

8.1 Where you make a Self-Service Transaction through the App (such as a change of address or change of vehicle), that change will be processed based on the information you provide.

8.2 You are responsible for ensuring that any information you provide through the App is accurate, complete and up to date.

8.3 Providing false, misleading or incomplete information through the App may affect your Insurance Cover, and may result in your Policy being amended, cancelled, treated as void, or a claim being rejected or not paid in full, in line with the terms of your Policy Documents.

8.4 We will send you confirmation of any Self-Service Transaction you make by email, and you should check this confirmation carefully. If anything looks incorrect or any information is missing, you must tell us as soon as possible using the contact details in clause 17.

8.5 Some changes cannot be made as a Self-Service Transaction and may need to be reviewed and actioned by a member of our team. We will let you know if this is the case.

9. Availability, Maintenance and Changes to the App

9.1 We will use reasonable endeavours to keep the App available, but we do not guarantee that the App will always be available, uninterrupted, or free from errors.

9.2 We may suspend, withdraw, discontinue, restrict, or change all or part of the App at any time.

9.3 Use of the App depends on your having a compatible device and an internet connection. We are not responsible for the availability or performance of your device, operating system, or network connection, or for any app store through which you access or download the App.

9.4 From time to time, we may automatically update the App to improve performance, alter functionality, reflect changes to the operating system or address security issues. Alternatively, we may ask you to update the App for these reasons. If you choose not to install such updates, or if you opt out of automatic updates, you may not be able to continue using the App.

9.5 Important transactions relating to your Policy can always be carried out by contacting us directly – see clause (17, Contact Us) – if the App is unavailable for any reason.

10. Intellectual Property

10.1 The App, and all Content, software, trademarks, logos and other materials made available through it (excluding any information you provide to us), are owned by us or our licensors and are protected by intellectual property laws.

10.2 We grant you a personal, non-exclusive, non-transferable, revocable licence to download and use the App on a compatible device, solely for your own personal, non-commercial use in connection with your Policy and in accordance with these App Terms.

10.3 You must not copy, modify, distribute, sell, lease, sublicense, or create derivative works from the App or any Content, except as expressly permitted by these App Terms.

10.4 All rights not expressly granted to you under these App Terms are reserved by us and our licensors.

11. Third-Party Services

11.1 The App may rely on, or include links to, third-party services, software or content. We do not control, and are not responsible for, the content, accuracy, or availability of third-party services.

11.2 By downloading the App from an App Store Provider, your use of the App is also subject to that App Store Provider's own terms of use. In the event of any conflict between those terms and these App Terms in relation to your use of the App, these App Terms will apply as between you and us.

11.3 Each App Store Provider is not a party to these App Terms and has no obligation to provide maintenance or support for the App. Any issues relating to the App should be directed to us, not the App Store Provider, except where the App Store Provider's own terms specifically require otherwise.

12.4 Any information you provide to us may be shared with our subsidiary entities and with third-party service providers where necessary to provide services to you, comply with legal obligations, prevent and detect fraud, or for the other purposes described in our Privacy Notice. Such processing will be carried out in accordance with applicable data protection laws.

13. Liability

13. 1 Nothing in these App Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability which cannot be limited or excluded under applicable law.

13.2 Subject to clause 13.1, we will not be liable to you for any:
- loss that was not reasonably foreseeable to both you and us when using the App;
- loss arising from your failure to keep your Account or device secure;
- loss or unavailability arising from your device, operating system, internet connection, or any app store;
- loss of profit, revenue or savings, loss of business, business interruption, loss of goodwill or reputation, or loss of business opportunity; or
- indirect, special, or consequential loss.

13.3 Subject to clause 13.1, our total liability to you arising out of or in connection with your use of the App (whether in contract, tort, including negligence, or otherwise) shall not exceed one hundred pounds sterling (£100).

13.4 These App Terms do not affect your statutory rights as a consumer, including any rights you may have under the Consumer Rights Act 2015 or any subsequent legislation.

14.1 You may stop using the App and delete your Account at any time. This will not affect your Policy, which will continue in accordance with your Policy Documents unless you separately cancel it with us.

14.2 We may suspend or terminate your access to the App, or close your Account, at any time, where:
- you breach these App Terms;
- we reasonably suspect fraud, misuse, or unauthorised access;
- your Policy ends, lapses, or is cancelled;
- we are required to do so by law or by a regulator; or
- we decide to withdraw or discontinue the App (either temporarily or permanently).

14.3 Where reasonably practicable, we will give you notice before suspending or terminating your access to the App. Termination or suspension of your access to the App does not, of itself, cancel your Policy, which may continue in accordance with your Policy Documents.

14.4 If we end your rights to use the App:
- you must stop using the App;
- you must delete or remove the App from all devices in your possession; and
- we may cease providing you with access to the App.

15.1 We may update these App Terms from time to time, for example to reflect changes in the App's features, the law, or our regulatory obligations.

15.2 Where we make material changes, we will notify you (for example, by email, in-app notification, or on first use of the App after the change). Your continued use of the App after such notice means you accept the updated App Terms.

15.3 The latest version of these App Terms will always be available within the App and on our website.

16.1 If you are unhappy with the App or have a complaint, please contact us using the details in clause 17 below.

16.2 If your complaint relates to an insurance product or service, you may have the right to refer the matter to the Financial Ombudsman Service after completing our complaints process. Please refer to your Policy Documents for further information.

17.3 If you contact us by telephone or via the App, your conversation may be monitored or recorded in accordance with clause 12.3 and our Privacy Notice.

18. General Terms

18.1 Entire agreement: These App Terms, together with our Privacy Notice, Cookie Notice and your Policy Documents, set out the entire agreement between you and us in relation to your use of the App.

18.2 Severability: If any provision of these App Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18.3 No waiver: If we do not enforce any right under these App Terms, this does not mean we waive that right.

18.4 Assignment: We may transfer our rights and obligations under these App Terms to another organisation, for example as part of a business reorganisation, provided this does not materially affect your rights. You may not transfer your rights or obligations under these App Terms to anyone else.

18.5 Third-party rights: These App Terms do not give rise to any rights for any third party to enforce any term of these App Terms, except as expressly stated.

18.6 Language: These App Terms are provided in English and all communications relating to the App will be in English.

19. Governing Law and Jurisdiction

19.1 These App Terms and any dispute arising out of or in connection with them or their subject matter or formation shall be governed by the law of England and Wales.

19.2 Any disputes relating to these App Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.