Terms & Conditions
Use of this website
Your use of this website is subject to these terms and conditions of use and by using the website you show your agreement to them. If you do not accept these terms and conditions, please do not use the website. You are required to read this important information carefully before you proceed any further with access to this website.
Our website is intended for personal, non-commercial use by residents of the United Kingdom only. We cannot guarantee that the website or the information on it complies with the laws of, or is appropriate for use in other territories.
You are wholly responsible for use of the website by any person using your computer and you must ensure that any such person complies with these terms and conditions.
This website is designed to be entered from the home page. If you access the website through another website you may not see some important information which is relevant to the products or services being offered. Before purchasing any products or services on this website you will be referred to certain pages which contain additional product, regulatory, or legal information. You are advised to read these pages and should you have any questions contact us using the details provided below.
How to contact us
- email at firstname.lastname@example.org with the subject Compliance Manager
- post at Waggel Limited, WeWork, 131 Finsbury Pavement, London EC2A 1NT, United Kingdom for the attention of the Data Protection Officer
- Call on 01299 669955
We reserve the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place we shall not be liable to you in any way whatsoever for such removal.
We reserve the right to change the content, presentation, user facilities and availability of any part of the website at our sole discretion.
Whilst we take all reasonable steps to ensure that the website continues to be available there may be times when it is not. This may be for reasons relating to the maintenance of, or alterations to, the website or for reasons beyond our control. We are not responsible to you if the website is unavailable.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any use, identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of these provisions.
Acceptable Use Standards
You may use our site only for lawful purposes. This website may contain bulletins, board services, chat areas, news groups, forums and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group. You agree to use the website only to post, send and receive messages and material that are proper and related to this website. By way of example and not as a limitation, you may not use our site:
- to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation ('spam')
- to transmit, post, upload or procure the sending of any material which is: defamatory of any person; obscene, offensive or inflammatory; sexually explicit; promotes discrimination based on race, sex, religion, disability, or age; infringes any copyright, database right or trade mark of any other person; is likely to deceive any person; is in breach of any legal duty owed to a third party (e.g. duty of confidence); is threatening or abusive; is likely to harass, upset or embarrass any other person; misrepresents your identity; advocates or promotes any unlawful act;
- to advertise or promote
- to upload files that contain software or other material protected by intellectual property laws unless you own or control the rights thereof or have received all the necessary consents.
Our products and services
The information and content of this website does not constitute an offer by us to sell products and services to anyone who wishes to purchase. We retain the right to accept or reject any request to purchase the products or services on this website, and that any purchase will be subject to the terms and conditions and disclaimers of that product or service.
The complete description of all terms, conditions, and exclusions relating to our products and services are contained in our Terms of Business Agreement, Policy Wording and other documents issued with the products and available on this website.
In the event of any contradiction between these website terms and conditions of use and the specific product or service terms and conditions, the latter shall prevail. Complete details will always be included in your schedule of cover, policy documents and/or conditions of purchase issued to you.
It is your responsibility to ensure that you have sufficient funds to cover the cost of any product or service that you purchase.
Viruses, hacking and other offences
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
The following clauses exclude or limit our legal liability. You should read them carefully.
Where we provide you with an insurance quotation through the website this will be based on the information you have given to us. It is your responsibility to take care to give us complete and accurate information when you take out your insurance policy, throughout the life of your policy and when you renew your insurance policy. Failure to supply accurate and complete information may mean that your policy is invalid and that it will not operate in the event of a claim.
Nothing in these terms in any way excludes or limits our liability for negligence causing death or personal injury or for fraudulent misrepresentation.
We are responsible to you for any losses you suffer to the extent that they have been caused by your reliance on any errors or omissions in our website where we have been negligent in failing to correct any such errors or omissions.
Whilst we have taken reasonable steps to ensure the accuracy, currency, correctness and completeness of the information contained on the website, we do not check, review, monitor, verify or endorse any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this website or any third party websites which you can access from this website. We are not responsible to you for any loss, damage or injury you may suffer or incur in connection with such information, content, material or data. It is your responsibility to check that such information, content, material or data is accurate, current, correct and complete.
This website contains links to websites of third parties. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.
Links to downloadable software websites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.
We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of this website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception and decryption of it by others.
We are not responsible to you for any losses or damage you may suffer caused by any distributed denial-of-service attack, or any viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful and which may infect, contaminate or damage your computer equipment or computer programs, or cause damage to software or damage to or loss of data unless caused by our negligence. You should ensure that you use appropriate virus checking software.
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.
Trademarks, Copyright and Intellectual Property
This website contains intellectual property and other rights and must only be used in connection with obtaining insurance in accordance with the terms set out in this website.
Copyright in the pages screens, information and material in their arrangement included in this website is owned by or licensed to Waggel unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our website for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our website on any other website, or link any other website to our website, without our prior written permission. If you use our website in breach of these terms your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
You are not permitted to download, redistribute or extract any information on this website in whole or in part other than for your personal, non-commercial use, unless otherwise stated. Our status (and that of any identified contributors) as the authors of material on this website must always be acknowledged. Except as set out above, you may not reproduce, modify or in any way commercially exploit any of the information on this website.
If you have any concerns about material which appears on our website please contact us.
Changes to Terms and Records of Agreements
We may amend these terms and conditions at any time by amending this page and such amendment shall apply to your use of this website after such amendment.
The material displayed on this website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
- all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
- any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with this website or in connection with the use, inability to use, or results of the use of this website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
The publication of the information provided on this website by us does not constitute a recommendation that you enter into any particular transaction nor is a representation that any product and/or service detailed on this website is suitable or appropriate for you.
Certain products and/or services detailed on this website may involve significant risks, and unless you have fully understood all such risks and independently determined that such transactions are appropriate for you, you should not enter into any transactions.
You should not construe any of the information which is contained on this website as legal, business, financial, investment, regulatory, tax, or accounting advice and this website should not be the prime basis for any financial, legal or investment decisions which are made by you or on your behalf.
Links to Third Party websites
Links to third party websites are provided solely for your convenience and such links do not constitute an endorsement, authorisation, or affiliation by us with respect to such third party website. When you activate these links you will leave this website. 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.
Ownership of website
This site is provided and owned by us whose full details of ownership can be found on this website.
These can be checked by visiting the . These conditions apply to your use of every part of this website. Separate terms and conditions will apply to any websites accessible via a hypertext link from this website.
Contributions to the Website
By sharing any contribution (including any text, photographs, graphics, video or audio) with us you agree to grant to us, free of charge, permission to use the material in any way we want (including modifying and adapting it for operational and editorial reasons). In certain circumstance we may also share your contribution with trusted third parties.
Copyright in your contribution will remain with you and this permission is not exclusive, so you can continue to use the material in any way including allowing others to use it.
In order that we can use your contribution, you confirm that your contribution is your own original work, is not defamatory and does not infringe any laws, that you have the right to give us permission to use it for the purposes specified above, and that you have the consent of anyone who is identifiable in your contribution or the consent of their parent / guardian if they are under 16.
We normally show your name with your contribution, unless you request otherwise, but for operational reasons this is not always possible. We may need to contact you for administrative or verification purposes in relation to your contribution, or in relation to particular projects.
Please do not endanger yourself or others, take any unnecessary risks or break any laws when creating content you may share with us.
If you do not want to grant us permission set out above on these terms, please do not submit or share your contribution.
If you have any questions about contributing content to us, please
We will determine, in our discretion, whether there has been a breach of these Acceptable Use Standards through the use of our site. If a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with these Acceptable Use Standards constitutes a material breach of these terms and conditions and may result if our taking all or any of the following action:
- immediate, temporary or permanent withdrawal of your right to use our site
- immediate, temporary or permanent removal of any posting or material uploaded by you to our site
- a warning being issued to you
These terms and conditions are governed by English law and you and we both agree to submit to the non-exclusive jurisdiction of the English courts.
Status of the Waggel website
Any insurance which may be arranged for you will be arranged through Waggel as agent for the insurer.