Motorpoint asset protection terms and conditions (Hire and Reward)
1. POLICY DETAILS
These terms and conditions together with the Policy Schedule sets out Your insurance cover. Please note the following:
- This is a contract of insurance (“Policy”) between You, the purchaser named on the Policy Schedule, who is party to a Finance Agreement (where applicable), and Us, Fortegra Europe Insurance Company SE. Your Statement of Demands and Needs, which includes the signed declaration and the undertaking to pay the premium, forms the basis of the Policy.
- The Administrator (Premia Solutions Limited) and Us do not provide advice or a personal recommendation about the suitability of this Policy. It is Your responsibility to ensure the Policy meets Your
- Please check that the information contained in the Policy Schedule is correct and that it meets Your If it doesn’t, please contact the Administrator.
- Please read these terms and conditions carefully, in conjunction with the Policy Schedule and Statement of Demands and Needs, and make sure You understand and fully comply with them, as failure to do so may jeopardise the payment of any claim which might arise and could lead to the Policy becoming void.
- Please note that as in Section 12 - MISINFORMATION, You have an obligation to provide Us with any facts which may be relevant to this insurance.
- Fortegra Financial Corporation (“Fortegra US”), a company organised under the laws of the State of Delaware, registration number 4885848 with its main principal office located at 10751 Deerwood Park Blvd., Suite 200, Jacksonville, FL 32256, holds more than 10% of the voting rights and capital of Us and the Administrator by virtue of the common shareholding of Fortegra US.
- Words that have special meanings are in bold, and the definitions can be found in Section 2 - DEFINITIONS.
- For ease of managing Your Policy, please create a ‘MyPremia’ account with the Administrator by logging onto https://www.mypremia.co.uk/ and clicking ‘Register Account’. Your ‘MyPremia’ account will allow You to access Your Policy documents, update personal details, submit and manage a claim, submit a complaint, and cancel Your Policy.
2. DEFINITIONS
Administrator: Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.
Premia Solutions Limited are an insurance intermediary who are authorised and regulated by the Financial Conduct Authority under registration number 310089.
Details of the extent of Premia Solutions Limited’s regulation by the Financial Conduct Authority are available from Premia Solutions Limited on request. Registration details can be checked on the United Kingdom’s Financial Conduct Authority’s Financial Services Register.
Comprehensive Motor Insurance: A policy of road risks motor insurance which covers accidental loss or damage to the Insured Vehicle in addition to third party, fire and theft cover.
Date of Loss: The date of the incident occurring to the Insured Vehicle in respect of which a claim for Total Loss is paid under the Comprehensive Motor Insurance.
Date of Purchase: The date on which You purchased the Insured Vehicle.
Dealer Fitted Accessories: Accessories that were fitted by and purchased from the Supplying Dealer and that are shown separately on the purchase invoice, up to a maximum of £1,500 including VAT.
Family Member: Your spouse or civil partner, or a parent, grandparent, child, grandchild, brother, or sister.
Finance Agreement: Your credit, hire purchase agreement, or conditional sale agreement (if any) with the Finance Company in respect of the Insured Vehicle, but not including finance lease or contract hire agreements.
Finance Company: The company, introduced by the Supplying Dealer, with whom You have a Finance Agreement (if any) in respect of the Insured Vehicle.
Glass’s Guide: An independent vehicle value guide published monthly by Glass’s Information Services Limited, used by the insurance industry in assessing vehicle values.
Grey Import: A vehicle that does not comply with European Community Whole Vehicle Type Approval (ECWVTA) imported into any EU Member State from a non-EU country.
Insured Value: The amount You receive under the Comprehensive Motor Insurance in respect of the Insured Vehicle, as a result of a Total Loss at the Date of Loss.
Insured Vehicle: The vehicle purchased by You or the Finance Company (if appropriate) which meets the eligibility criteria set out in this Policy and is within the terms of Your Finance Agreement (if any).
Market Value: The market value as reasonably determined by Us in accordance with Glass’s Guide Retail Transacted value, at the Date of Loss, of a vehicle which is the equivalent age, make, recorded mileage and model as the Insured Vehicle, including any factory fitted options and Dealer Fitted Accessories. At Our discretion, We reserve the right to have an independent valuation undertaken, to determine the market value.
Modified: An Insured Vehicle that has been altered after the Date of Purchase, outside of the manufacturer’s standard specification, for example engine enhancements or lowering of the suspension.
Negative Equity: Any finance or outstanding debt, including interest charges, due on or carried across to Your Finance Agreement from previous finance agreements.
Policy Schedule: The schedule provided to You when You purchased this Policy, which contains Your details, details of the Insured Vehicle and the Policy term.
Purchase Price: The amount paid to purchase the Insured Vehicle including any factory fitted options and Dealer Fitted Accessories. This amount will exclude:
- any discount and/or contribution, road fund licence over £100, administration fees, fuel, paintwork and/or upholstery protection kits, cherished number plate transfers, insurance premiums (including for this policy);
- subscription charges, any finance arrears and associated costs;
- any Negative Equity
- VAT, if You are VAT registered and able to reclaim the VAT element. VAT will be included if You cannot reclaim it.
We will include the cost of any vehicle warranty and make a contribution of up to £100 towards road fund licence costs.
Settlement Figure: Where You have a Finance Agreement, the amount relating to the Purchase Price of the Insured Vehicle at the Date of Loss, that is required by the Finance Company to discharge Your indebtedness under the Finance Agreement. This amount will exclude any:-
- Negative Equity; and
- credit arrangement fees; and
- statutory rebate of interest as prescribed by existing consumer credit regulations; and
- arrears; and
- interest on late payments; and
- any other costs or associated fees.
We will include the cost of any vehicle warranty.
Statement of Demands and Needs: Any statement of demands and needs and declaration accepted by You together with any additional information You may have supplied Us in support of Your application for this Policy.
Supplying Dealer: The dealership that the Insured Vehicle was purchased from.
Territorial Limits: The United Kingdom, Isle of Man, the Channel Islands and the countries of the European Economic Area, subject to the Comprehensive Motor Insurance being extended whilst You are in the European Economic Area.
Total Loss: The actual or constructive total loss of the Insured Vehicle as a result of accidental or malicious damage, fire, theft or flood damage, as deemed by the Comprehensive Motor Insurance provider on terms that the Insured Vehicle becomes the property of the Comprehensive Motor Insurance provider.
We/Us/Our: Fortegra Europe Insurance Company SE UK Branch, a branch of Fortegra Europe Insurance Company SE (Financial Conduct Authority registration number 805770).
Fortegra Europe Insurance Company SE has its registered office and principal place of business at Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (Malta Company registration number SE 17), is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business of insurance, and is regulated by the Malta Financial Services Authority of Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta.
Together with its UK Branch, Fortegra Europe Insurance Company SE is authorised by the Prudential Regulation Authority, is subject to regulation by the Financial Conduct Authority, and limited regulation by the Prudential Regulation Authority.
Fortegra Europe Insurance Company SE has a registered branch in the UK with its registered address at Fifth Floor, 20 Fenchurch Street, London, United Kingdom, EC3M 3BY (UK Branch registration number BR021916).
Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Annual reports on our solvency and financial position can be found at https://www.fortegra.eu/solvency-and-financial-condition-report.
You/Your: Any individual or company, partnership or sole trader who is detailed on the Policy Schedule and is party to the Finance Agreement (if any) and who has applied for this Policy and has agreed to pay the premium under this Policy.
3. ELIGIBILITY
You are eligible for cover from the start date of this Policy if:
- You are applying as an individual and You are resident in the United Kingdom, Channel Islands or the Isle of Man; or
- You are applying as a company, that company is registered in the United Kingdom, Channel Islands or the Isle of Man; and
- You are the Comprehensive Motor Insurance policyholder or named on the Comprehensive Motor Insurance policy; and
- During the Policy term, You and anyone else driving the Insured Vehicle are at all times covered by Comprehensive Motor Insurance; and
- You have purchased this Policy from the Supplying Dealer no later than ninety (90) days after purchasing the Insured Vehicle.
The vehicle is eligible for this cover if:
- It is the sole vehicle listed in the Finance Agreement (if any); and
- It is a private car or light commercial vehicle not exceeding five (5) tonnes; and
- It is covered by Comprehensive Motor Insurance throughout the entire Policy term; and
- It is registered in the United Kingdom, Channel Islands or the Isle of Man; and
- It has been purchased from the Supplying Dealer.
Please Note: The following vehicles and vehicle uses are NOT eligible for cover:
- Any vehicle that is not a right-hand drive vehicle; and
- Grey Imports, emergency vehicles, commercial vehicles over five (5) tonnes, buses, minibuses, coaches, trucks, motor homes, trailers, heavy goods vehicles, licensed private hire vehicles, daily rental vehicles, breakdown and recovery vehicles; and
- Vehicles used for road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event; and
- Any vehicle that has been Modified after the purchase date.
4. POLICY TERM
The length of cover You have chosen is stated on Your Policy Schedule. The Policy will end at the earliest of any of the below:
- You failing to pay Your premium when due; or
- You or the Insured Vehicle no longer meeting the eligibility criteria for Your Policy; or
- the Insured Vehicle being sold, repossessed, disposed of by You or the Finance Company or transferred to a new owner, other than under Section 9 - Transferring Your Policy; or
- the Policy being cancelled by either You or Us; or
- a Total Loss claim being settled by Us; or
- The end date of the Policy as detailed on the Policy Schedule.
5. WHAT IS COVERED
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Cover |
Benefit |
|---|---|
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This Policy provides cover up to the Claims Limit on the Policy Schedule where the Insured Vehicle is the subject of a Total Loss from the Comprehensive Motor Insurance within the Territorial Limits |
In the event of a Total Loss, the Policy will pay the greater of: Return to Invoice Gap: The amount by which the Purchase Price exceeds the Insured Value. OR Financial Shortfall Gap: The amount by which the Finance Agreement Settlement Figure (if any) exceeds the Insured Value. IMPORTANT:
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Excess cover |
We will cover any excess up to £250 that is applicable under the Comprehensive Motor Insurance where it cannot be recovered from any liable third party. |
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Temporary replacement vehicle cover |
In the event of a Total Loss, the Policy will pay a contribution towards a temporary replacement vehicle. You may arrange Your own temporary replacement vehicle with a VAT registered company, subject to authorisation from the Administrator. In this instance, You must obtain approval from the Administrator, pay for the temporary replacement vehicle in the first instance and send the Administrator a copy of the relevant invoice. Temporary replacement vehicle cover is limited to a maximum of fifteen (15) days and a maximum of £30 per day, inclusive of VAT. This benefit will start from the date upon which the Administrator receives confirmation of a Total Loss from the Comprehensive Motor Insurance provider and will end at the earlier of: § When Your claim is paid; or § When the Insured Vehicle is replaced by You, the Comprehensive Motor Insurance provider or any other third party**; or § At the end of fifteen (15) days. ** You must notify the Administrator within 24 hours of the Insured Vehicle being replaced, by telephone, on 0161 451 4812. IMPORTANT:
§ any minimum or maximum age eligibility criteria or any licensing or insurance requirements; and § the cost of any upfront fees, deposits, excess mileage charges, toll fees and fares, delivery or collection charges, fines, fuel costs; and § any insurance excess payable in the event of a claim arising out of an accident involving the temporary replacement vehicle.
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PLEASE NOTE
If there is any sum still owing on Your Finance Agreement after the Administrator has settled Your claim on Our behalf, it is Your responsibility to ensure that settlement of this amount is made.
6. WHAT IS NOT COVERED:
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Exclusion |
What You are not covered for |
|---|---|
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i) |
If at the Date of Loss, You, or anyone insured to drive the Insured Vehicle under the Comprehensive Motor Insurance is deemed to have been driving:
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ii) |
Where the Insured Vehicle is not covered by Comprehensive Motor Insurance at the time of the Total Loss or where the driver of the Insured Vehicle at the Date of Loss is not covered by Comprehensive Motor Insurance. |
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iii) |
Where the Insured Vehicle is covered under any type of Comprehensive Motor Insurance policy that is connected with the motor trade. |
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iv) |
Negative Equity provided under the Finance Agreement, if any. |
|
v) |
Where the Comprehensive Motor Insurance provider has offered to repair the Insured Vehicle and You have requested the claim to be dealt with on a Total Loss basis. |
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vi) |
Where You are entitled to or are offered a replacement vehicle under the terms of the Comprehensive Motor Insurance. |
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vii) |
Any amount relating to grants, scrappage schemes, cash back schemes and battery hire or leasing. |
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viii) |
Any deductions made by the Comprehensive Motor Insurance provider when calculating Your Insured Value, including but not limited to any damage not associated with the Total Loss claim or relating to the general condition of the Insured Vehicle. |
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ix) |
Any salvage value of the Insured Vehicle where You are not required to transfer the ownership of the Insured Vehicle to the Comprehensive Motor Insurance provider. |
|
x) |
Any loss directly or indirectly caused as a result of the theft of the Insured Vehicle by any person known to You who has access to the keys of the Insured Vehicle. |
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xi) |
Any motor insurance excess above £250 or where it is recoverable from a liable third party. |
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xii) |
Any amount relating to insurance premiums, fuel, service packages, maintenance costs and any interest payable thereon. |
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xiii) |
Any contribution towards a temporary replacement vehicle before the Administrator has received confirmation of a Total Loss from the Comprehensive Motor Insurance provider. |
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xiv) |
Any contribution towards a temporary replacement vehicle after Your claim is paid. |
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xv) |
Any contribution towards a temporary replacement vehicle after the Insured Vehicle is replaced by You, the Comprehensive Motor Insurance provider or any other third party. |
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xvi) |
Any contribution towards a temporary replacement vehicle for more than fifteen (15) days. |
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xvii) |
We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation. |
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xviii) |
Any additional costs or charges incurred by You as a result of entering into an agreement with a third party for a temporary replacement vehicle, including but not limited to the cost of any upfront fees, deposits, excess mileage charges, toll fees and fares, delivery or collection charges, fines, fuel costs, and any insurance excess payable in the event of a claim arising out of an accident involving the temporary replacement vehicle. |
7. HOW TO MAKE A CLAIM
IMPORTANT
You should not accept any offer made by the Comprehensive Motor Insurance provider until the Administrator has given You authority to do so. The Administrator may try to negotiate a higher motor insurance settlement on Your behalf.
If You do accept a settlement offer from the Comprehensive Motor Insurance provider prior to obtaining the Administrator’s consent, the Administrator will settle Your claim based on the Market Value at the Date of Loss.
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Stage |
Explanation |
|---|---|
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Step 1 |
Contact the Administrator as soon as You become aware of a potential Total Loss and BEFORE You accept any settlement offer from the Comprehensive Motor Insurance:
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Step 2 |
The Administrator will provide You with a claim form. Complete all sections of the claim form, ensuring any sections to be completed by others are filled in and return all required information to the Administrator, as advised on the claim form. Please note that the claim form and any other information the Administrator may reasonably require must be received within thirty (30) days of the Date of Loss of the Insured Vehicle. If it isn’t, the Administrator will attempt to assess Your claim however it may be difficult for them to investigate and settle Your claim adequately. |
Points to note about the claims process
- We reserve the right to subject the Insured Vehicle to an independent assessment.
- At the time of claim the Administrator must receive evidence of the purchase of the Insured Vehicle. Such evidence must include the original or a clear bona fide copy of the original printed purchase invoice of the Insured Vehicle. The invoice must detail the Supplying Dealer’s name, address and VAT registration number and must show the full basic cost of the Insured Vehicle and the breakdown of all items, ancillary to the Insured Vehicle or not.
- We or the Administrator may obtain and share information concerning any claim You may make against this Policy or any corresponding road risks insurance claim You have made with the Comprehensive Motor Insurance provider(s), the Supplying Dealer of the Insured Vehicle or Your Finance Company (if any), for the purposes of administering Your Policy and claim.
- Claims benefits will be paid to You except where We are required to settle a Finance Agreement in which case any surplus will be paid to You.
8. POLICY CONDITIONS
- The maximum benefit payable by Us in respect of the Insured Vehicle is the Claims Limit on the Policy Schedule.
- If You are covered by any other insurance or warranty for the same or similar benefit(s) provided under this Policy, then We will only be responsible for paying a fair proportion of any benefit which We would otherwise be due to pay.
- This Policy shall not acquire a surrender value.
- It shall not be possible for You to assign or change the benefits of this Policy in any way whatsoever, other than as specified in Section 9 - Transferring Your Policy.
- We have the right to take proceedings in Your name, in order to recover for Our benefit, the amount of any payment made under this Policy.
- You must notify the Administrator as soon as possible if any of Your details change during the Policy term.
9. TRANSFERRING YOUR POLICY
This Policy cannot be transferred to another Insured Vehicle or to any subsequent owner of the Insured Vehicle except in the following circumstances:
- Where ownership of the Insured Vehicle is transferred to a Family Member then cover may be transferred so long as that Family Member meets the eligibility criteria in Section 3 - ELIGIBILITY.
- Where You are entitled to or are offered a replacement vehicle under the terms of the Comprehensive Motor Insurance. In this event You will be entitled to transfer the remaining cover under this Policy to Your replacement vehicle so long as a claim has not been settled by Us and the Insured Vehicle meets the eligibility criteria in Section 3 - ELIGIBILITY.
If You wish to transfer Your Policy, please contact the Administrator:
- by visiting https://www.mypremia.co.uk; or
- by telephone on 01926 622 660; or
- by writing to Customer Services, Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.
You must make a written request to the Administrator for the Policy to be transferred within thirty (30) days of taking delivery of the replacement vehicle from the Comprehensive Motor Insurance or transferring the Insured Vehicle to a Family Member.
Your replacement vehicle will be subject to the same terms and conditions as the original Insured Vehicle. In the event of a claim on Your replacement vehicle We will not be liable for any amount which exceeds Our liability under the original terms of this Policy.
10. CANCELLING YOUR POLICY
You have the right to cancel Your Policy at any time. Please see the below table for Your refund rights.
Where You wish to cancel Your Policy within the thirty (30) day period specified below, please contact the Supplying Dealer.
If You wish to cancel after the thirty (30) day period, please contact the Administrator:
- by visiting https://www.mypremia.co.uk; or
- by telephone on 01926 622 660; or
- by writing to Customer Services, Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.
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Time period |
Refund Rights |
|---|---|
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Please contact the Supplying Dealer if You wish to cancel within thirty (30) days of the start date on the Policy Schedule or receipt of the Policy terms, whichever is later. |
If You cancel within thirty (30) days and have not made a successful claim on Your Policy, You will be entitled to a full refund of premium paid. |
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Please contact the Administrator if You wish to cancel after thirty (30) days from the start date on the Policy Schedule or receipt of the Policy terms, whichever is later. |
If You cancel after thirty (30) days and have not made a successful claim on Your Policy, You will be entitled to a pro rata refund, based on the number of fully unexpired months remaining on Your Policy minus a fixed amount of £35 to cover Our costs incurred in relation to Your cancelled Policy. A pro rata refund example is as follows:
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11. COMPLAINTS PROCEDURE
If You wish to make a complaint about the conduct of the sale of this Policy, including any information provided as part of the sale, please contact the Supplying Dealer.
The Administrator handles all other complaints relating to this Policy on Our behalf. If You wish to make a complaint, please do so:
- by visiting https://www.mypremia.co.uk; or
- by telephone on 01926 622 660; or
- by writing to the Customer Outcome Manager, Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ.
The Administrator will acknowledge Your complaint promptly and will aim to resolve it within eight (8) weeks from first notification.
If the Administrator cannot resolve Your complaint within this period, they will notify You in writing to confirm the reasons why. In this case, or if Your complaint is not resolved to Your satisfaction, the Administrator will advise You of Your rights to refer Your complaint to The Financial Ombudsman Service, free of charge:
- by submitting Your complaint online – please see financial-ombudsman.org.uk; or
- by email at info@financial-ombudsman.org.uk; or
- by telephone on 0207 964 1000; or
- by writing to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, Isle of Dogs, London, E14 9SR UK.
IMPORTANT: The Financial Ombudsman Service will expect You to have followed the above procedure before they accept Your case.
Following this complaints procedure does not affect Your legal rights.
12. MISINFORMATION
When applying for insurance, varying Your cover, or submitting a claim, You or anyone acting on Your behalf must take reasonable care to answer all questions honestly and to the best of Your knowledge. Failure to do so may affect the validity of Your Policy or the payment of Your claim.
13. SANCTIONS
We shall not provide any benefit under this Policy to the extent of providing cover, payment of any claim or the provision of any benefit, where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.
14. THIRD PARTY RIGHTS
Except where otherwise required by law, You and We have agreed that:
- it is not intended for any third party to this Policy to have the right to enforce the terms of this Policy; and
- You and We can rescind or vary the terms of this Policy without the consent of any third party to this Policy who might seek to assert that they have rights under this Policy.
15. APPLICABLE LAW
This Policy shall be subject to the law of England and Wales, unless We and You agree otherwise.
16. COMPENSATION SCHEME
You may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) in the UK if, in the unlikely event, Fortegra Europe Insurance Company SE cannot meet its liabilities under this Policy. The level and extent of compensation provided will depend on the location of the risk, the type of insurance and on the circumstances of the claim.
Further information about the Financial Services Compensation Scheme is available from the FSCS website www.fscs.org.uk. The FSCS can be contacted:
- online by completing the form on the FSCS website fscs.org.uk/contact-us/; or
- by calling 0800 678 1100; or
- by writing to Financial Services Compensation Scheme, PO Box 300, Mitcheldean, GL17 1DY; or
- by live chat via the FSCS website fscs.org.uk/contact-us/.
17. PRIVACY AND DATA PROTECTION NOTICE
Data Protection
Fortegra Europe Insurance Company SE (the Data Controller) is committed to protecting and respecting Your privacy in accordance with the current Data Protection Legislation (“Legislation”). Below is a summary of the main ways in which We process Your personal data.
How We Use Your Personal Data
We may use the personal data We hold about You for the purposes of performing Your contract of insurance, this includes providing insurance that You request of Us and administering the same; including handling claims and any other related purposes, underwriting (which may include underwriting decisions made via automated means), offering renewal terms, pricing or statistical purposes. We may collect and use special categories of data from You for the purpose of identifying vulnerable customer based on substantial public interest under Schedule 1(20) DPA 2018. We may also use Your data to safeguard against fraud and money laundering and to meet Our general legal and regulatory obligations.
Disclosure of Your Personal Data
We may disclose Your personal data to third parties involved in providing products or services to Us, or to service providers who perform services on Our behalf. These include Our group companies, affinity partners, brokers, agents, third party administrators, other insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, credit agencies, fraud detection agencies, loss adjusters, external law firms, external accountants and auditors, regulatory authorities, and as may be required by law.
International Transfers of Data
We may transfer Your personal data to destinations outside of the UK or the European Economic Area (“EEA”). Where We transfer Your personal data outside of the UK or EEA, We will ensure that it is treated securely and in accordance with the Legislation.
Your Rights
You have the right to ask Us not to process Your data for marketing purposes, to see a copy of the personal information We hold about You, to have Your data deleted (subject to certain exemptions), to have any inaccurate or misleading data corrected or deleted, to restrict the processing of Your data, to ask Us to provide a copy of Your data to any controller and to lodge a complaint with the local data protection authority.
Retention
Your data will not be retained for longer than is necessary and will be managed in accordance with Our data retention policy. In most cases the retention period will be for a period of seven (7) years following the expiration of the Policy, or Our business relationship with You, unless We are required to retain the data for a longer period due to business, legal or regulatory requirements.
If You require more information or have any questions concerning Our use of Your personal data, Our full Privacy Policy can be found at https://www.fortegra.eu/privacy-policy. Alternatively, please contact The Data Protection Officer, Fortegra Europe Insurance Company SE, Office 13, SOHO Office The Strand, Fawwara Building, Triq l-Imsida, Gzira, GZR 1401, Malta or via email at dpofficer@fortegramalta.com.
Last updated 01/11/2023