Terms and Conditions

The following section contains the conditions governing your use of the entire content of the website under the domain name www.aioinissaydowa.eu and other associated URLs (the "Site") and to any correspondence by email between us and you. By using this Site you agree to these terms and conditions of use. If you do not accept these terms and conditions in full, you must leave the Site immediately.

We may amend these terms and conditions at any time without notice. You should check this webpage from time to time to review the current terms and conditions because they are binding on you.

The Site is operated by Aioi Nissay Dowa Europe Limited (the "Company"). The Company has prepared these web pages on behalf of itself and the associated companies and trading styles represented on this website.

Aioi Nissay Dowa Europe Limited

Aioi Nissay Dowa Europe Limited, registered office: 7th Floor, 52-56 Leadenhall Street, London EC3A 2BJ, UK. Our telephone number is +44 (0)345 070 44 71, our fax number is +44 (0)345 070 44 72, our contact e-mail address is contact@aioinissaydowa.eu and the URL for this website is www.aioinissaydowa.eu. The Company is registered in England and Wales under the number 11054298. The Company is a member of the MS&AD Insurance Group. Aioi Nissay Dowa Insurance Company of Europe Limited operates under 'Aioi Nissay Dowa Europe' trading styles.

Aioi Nissay Dowa Insurance Company of Europe SE

Aioi Nissay Dowa Insurance Company of Europe SE, registered office: 4, rue Lou Hemmer, L-1748 Senningerberg, Luxembourg. The URL for the website is www.aioinissaydowa.eu. Aioi Nissay Dowa Insurance Company of Europe SE is registered in Luxembourg under number: B232302. Aioi Nissay Dowa Insurance Company of Europe SE is authorised by Commissariat aux Assurances, deemed authorised by the Prudential Regulation Authority, and subject to regulation by the Financial Conduct Authority and Prudential Regulation Authority No. 830169.

Aioi Nissay Dowa Life Insurance Europe AG

Aioi Nissay Dowa Life Insurance Europe AG, registered office: Ismaning, administrative district of Munich.  Our address is: Carl-Zeiss-Ring 25, 85737 Ismaning, Germany. Our telephone number is +49 (0) 180 332 42 43, our fax number is +49 (0) 89 244 474-555, our contact e-mail addres is kundenservice@aioinissaydowa.eu and the URL for this website is www.aioinissaydowa.eu. The Company is registered in Germany at the Munich district court (Amtsgericht Muenchen) under reference number HRB 155874. VAT-IdNr. DE 246933734. The Company is authorised and regulated by the BaFin (the German Financial Services Authority) under No 1318 and is a member of the MS&AD Insurance Group. Aioi Nissay Dowa Life Insurance Europe AG operates under the 'Aioi Nissay Dowa Life Europe' and 'Aioi Nissay Dowa Life' trading styles.

Toyota Insurance Management SE

Toyota Insurance Management SE, registered office:  Toyota-Allee 5, 50858 Cologne, Germany. Our contact e-mail address is info@toyota-im.com and the URL for the website is www.toyota-im.com. Toyota Insurance Management SE is registered in Germany under number: HRB 104749. Toyota Insurance Management SE is authorised and regulated by Industrie- und Handelskammer zu Köln (Cologne) with the registration number D-OGAK-W6DHK-05 and is a member of the MS&AD Insurance Group.


The Prudential Regulation Authority and the Financial Conduct Authority

The Prudential Regulation Authority’s website can be visited at www.bankofengland.co.uk. The Financial Conduct Authority website, which includes a register of all regulated firms, can be visited at www.fca.org.uk , or the Financial Conduct Authority can be contacted on 0800 111 6768.

Under the Financial Services and Markets Act 2000, should the regulated companies be unable to meet all liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 90% of the claim without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website.

UK Only - Employers Liability Register

From 1st April 2011 we are required under FCA rules to keep a register of Employers' Liability Insurance that we have provided to help claimants trace the relevant insurer. Aioi Nissay Dowa Insurance Europe fulfils this requirement through the Employers' Liability Tracing Office.

We also have potential liability for policies under which UK commercial lines employers' liability cover has been provided to employers:

(1) for which we were co-insurer but not lead insurer; and/or
(2) which commenced or were renewed before 1st April 2011 and in respect of which no claims were made on or after 1st April 2011.

However, we are not required to make details of those policies available in this register under FCA rules. Responsibility for making information available in relation to policies to which (1) applies is with the lead insurer.

Enquiries about other policies to which (2) applies may be made by individual claimants, their authorised representatives, or insurers or their insurance intermediaries, with potential claims to Matthew Hine at contact@aioinissaydowa.eu or +44 (0)345 0704471.

Our register can be found at the following website:

Ownership of Material

All copyright, designs, graphical and text arrangements, logos, trademarks, database rights and any other intellectual property rights in all material on the Site are owned by the Company unless otherwise indicated.

Use of Site

The Site is intended for non-commercial personal use only. Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for commercial benefit is taken seriously and we will take such action as is necessary to protect the Site from any such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance, an order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for reliance on such remedies.

Availability of Site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

External links

Links to third party websites are provided solely for your convenience. When you activate these links you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so entirely at your own risk.

Our Liability

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the site or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this site (which includes without limitation) any errors or omissions contained in this site or if the site is unavailable and we shall not be liable for any direct or indirect:

Access to and use of the site is at the user's own risk and we do not warrant that the use of the site or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of the site by unauthorised third parties.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.


If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and Law

These conditions of use shall be governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

If you wish to contact us regarding any matter set out in these terms and conditions you may do so by e-mail, by phone or in writing.

Last updated: February 2020