Conditions of Use
PLEASE READ THESE CONDITIONS CAREFULLY. By accessing this Web Site You show Your agreement to such Conditions. If You do not accept Our Conditions, please do not use this Web Site.
Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales. Registered Office at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised and Regulated by the Financial Services Authority (Reg. no. 202323) and included in their register, which can be checked at www.fsa.gov.uk/register. Royal & Sun Alliance Insurance plc is registered for Value Added Tax under VAT No. GB 165 0008 01.
By accessing this Web Site, You agree to these Conditions and You agree to the use of Your personal data in accordance with the terms of the Privacy Policy. Please read the following Conditions carefully.
This is a Royal & Sun Alliance Insurance plc Web Site.
In these Conditions ‘Our’ ‘We’ and ‘Us’ as the context requires means Royal & Sun Alliance Insurance Group plc.
‘You’ and ‘Your’ means the person or entity trying to access this Web Site.
The Laws of England and Wales will apply to any Contract of Insurance or Policy of Insurance or related documentation issued by Us unless We have agreed otherwise in writing with You. Any disputes concerning the interpretation of such documentation shall be governed and construed in accordance with English law and shall be resolved within the non–exclusive jurisdiction of the courts of England and Wales.
However, permission is granted to copy electronically and print in hard copy portions of this Web Site solely for the purpose of using this Web Site to seek a quotation to buy an insurance product from Us. This applies to both private and commercial use. You must not attempt to imply ownership of or association with the material contained in this Web Site unless a written agreement between You and Us has been previously made. You may not provide links to this Web Site from external sources or include this Web Site in part or whole within an external web site without first obtaining written permission to do so from Us. You may print out copies of the pages in this Web Site for private use only but must not change or edit in any way the format or content of such printed material. You must not remove any copyright or trademark information from material printed from this Web Site. Any other use of materials on this Web Site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without Our prior written permission is strictly prohibited.
This Web Site further contains information, data and concepts that are proprietary to Us or Our Group Companies unless otherwise indicated. By visiting this Web Site You agree to respect all such rights.
All intellectual property rights (including, without limitation, all database rights, rights in designs, rights in the get up, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, customer lists, data or processes contained in or to this Web Site belong to Us or Our licensed source. All Our Rights in such intellectual property rights are hereby reserved.
We have no control over and will accept no liability or responsibility in respect of the material or content on any other web sites. The use of such sites will be governed by separate terms and conditions and privacy policy.
If You are accessing this web site from outside the UK, local legislation may not permit Us to provide insurance products for You in Your own country. We will be pleased to confirm the position to You on request if You e-mail Us at morethan.business@uk.royalsun.com.
You should also be aware that communications sent over the internet, such as e-mails, are not secure unless they have been encrypted. We can accept no responsibility for any non-delivery or corruption or loss of personal information or any communications sent over the internet.
We shall endeavour to keep telephone lines are open Monday to Friday 8.00am to 8.00pm, Saturday 8.00am to 4.00pm.
The price of calls may vary depending on whether You call from a land line or mobile phone. Please check with Your telephone operator for exact charges as network charges may vary.
All insurance products and services offered in this Web Site are subject to individual terms and conditions that are readily available for inspection before a purchase is made. You should refer to the terms and conditions relating to a product or service before undertaking a purchase.
We and the organisations providing services and products to You retain the right to modify these terms and conditions when necessary so you should review them each time You use this Web Site. In cases of products and services being supplied by an organisation that has entered into an agreement with Us to sell such products and services via this Web Site any contract arising from a purchase made by You exists between You and that organisation rather than You and Us unless specifically otherwise stated in writing.
We offer a wide range of insurance products and insurance related services for sale on this Web Site. You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst this Web Site will often offer helpful advice on general insurance matters it does not seek to advise You on which particular products and services to purchase or from which particular organisation to purchase them from.
If You are in any doubt as to whether an insurance product or service offered for purchase on this Web Site is suitable for Your needs or specific requirements please seek Your own professional advice prior to making a purchase.
Please read the of these Conditions carefully each time You view this Web Site
We do not guarantee the availability of this Web Site nor do We guarantee that the code which constitutes this Web Site or the material contained within it will operate either fully or in part on any specific computer equipment or in any specific software We accept no liability whatsoever for any damage, either temporary or permanent, occurring without limitation to either electronic equipment or software that might occur whilst You use this Web Site as any such damage will be deemed to be coincidental. Any information contained within the technical support pages on this Web Site is for reference purposes only and We advise against You or any individual attempting to service, repair or reconfigure electronic equipment or computer software based on the content of these technical pages unless You or the individual concerned are fully qualified to do so.
We are not providing any legal, accounting or other professional advice or opinion on any specific facts or matters, and neither We nor any of Our directors, employees or agents will be liable for any damages arising out of or in connection with the use of this Web Site or the information in it. This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation), compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from Our negligence, or that of Our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.
For the avoidance of any doubt whatsoever, access to this Web Site is provided to You on an “as-is” basis and We do not accept any liability whatsoever for any errors or omissions. If You are in any doubt as to the validity of information made available within these pages, We recommend You seek verification by contacting Us.
To the fullest extent permissible under applicable law, We disclaim any and all express or implied promises, representations, and warranties of any kind with respect to the Web Site and the information contained thereon, including but not limited to its condition, conformity to any representation or description, its compatibility with all equipment and software configurations, the existence of any latent or patent defects, any negligence, and its merchantability or fitness for a particular purpose.
Further, save to the extent that such liability cannot be excluded as a matter of law, We will not be liable for any loss (whether direct or indirect) arising as a result of the use of the Web Site or the information available from it, or reliance upon or inability to use the Web Site whether based on contract, tort, or any other legal theory even if We have been advised of the possibility of such damages or if this limitation upon these terms of agreement has been breached or has been held to be invalid or ineffective.
For the avoidance of any doubt whatsoever, We are not providing any legal, accounting or professional advice or opinion on any specific facts or matters. You should seek your own professional advice.
The information and opinions contained on this Web Site are for general information purposes are not intended to constitute legal or other professional advice, and should not be relied on or treated as a substitute for specific advice relevant to particular circumstances. We will have no responsibility for any loss, which may arise from reliance on materials contained on this Web Site.
Certain parts of this Web Site link to external internet sites, and other external internet sites may link to this Web Site. We are not responsible for any external sites.
In addition We cannot warrant that this Web Site will be free of viruses or defects of any description and We will not be held responsible for any technical problems You may suffer as a result of Your use of this Web Site.
About MORE TH>N
MORE TH>N is a registered trademark of Royal & Sun Alliance Insurance Group plc and trading styles of: -Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales. Registered Office at St. Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised and Regulated by the Financial Services Authority (Reg. no. 202323) and included in their register, which can be checked at www.fsa.gov.uk/register. Royal & Sun Alliance Insurance plc is registered for Value Added Tax under VAT No. GB 165 0008 01.
By accessing this Web Site, You agree to these Conditions and You agree to the use of Your personal data in accordance with the terms of the Privacy Policy. Please read the following Conditions carefully.
This is a Royal & Sun Alliance Insurance plc Web Site.
In these Conditions ‘Our’ ‘We’ and ‘Us’ as the context requires means Royal & Sun Alliance Insurance Group plc.
‘You’ and ‘Your’ means the person or entity trying to access this Web Site.
English Law
These Conditions shall be governed by and construed in accordance with English Law. Any disputes arising in relation to these Conditions will be subject to the exclusive jurisdiction of the English courts. If any of the following provisions or Conditions shall be unlawful, void or for any purpose unenforceable the particular provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions or Conditions.The Laws of England and Wales will apply to any Contract of Insurance or Policy of Insurance or related documentation issued by Us unless We have agreed otherwise in writing with You. Any disputes concerning the interpretation of such documentation shall be governed and construed in accordance with English law and shall be resolved within the non–exclusive jurisdiction of the courts of England and Wales.
Copyright
Copyright in the whole and every part of this Web Site including all design, text, graphics and the selection or arrangement thereof including the get-up are the copyright of Us or third parties, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in any media by any person or entity without our express prior written consent or that of the stated owner of that material. This Web Site in whole or in part must not be used for any reason other than the express purposes of purchasing, obtaining a quotation for or obtaining information about the insurance products and services offered by Us for sale in this Web Site or for obtaining information regarding Us or any of the other organisations who have entered into agreements with Us with the purpose of providing insurance products and services for sale.However, permission is granted to copy electronically and print in hard copy portions of this Web Site solely for the purpose of using this Web Site to seek a quotation to buy an insurance product from Us. This applies to both private and commercial use. You must not attempt to imply ownership of or association with the material contained in this Web Site unless a written agreement between You and Us has been previously made. You may not provide links to this Web Site from external sources or include this Web Site in part or whole within an external web site without first obtaining written permission to do so from Us. You may print out copies of the pages in this Web Site for private use only but must not change or edit in any way the format or content of such printed material. You must not remove any copyright or trademark information from material printed from this Web Site. Any other use of materials on this Web Site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without Our prior written permission is strictly prohibited.
This Web Site further contains information, data and concepts that are proprietary to Us or Our Group Companies unless otherwise indicated. By visiting this Web Site You agree to respect all such rights.
All intellectual property rights (including, without limitation, all database rights, rights in designs, rights in the get up, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction) in any information, content, materials, customer lists, data or processes contained in or to this Web Site belong to Us or Our licensed source. All Our Rights in such intellectual property rights are hereby reserved.
Trade Marks
We and Our Group companies are the owners of the various trademarks and get-up contained in this site. All other trademarks, product names and company names or logos cited herein are Our property or that of their respective owners. No permission is given by Us or any of Our Group companies in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder’s rights. Nothing contained in this Web Site shall be deemed to confer any right on any person or entity any license or right on Our part or any third party with respect to, without limitation, any such logo, name, images and get-up. We may also claim rights on other trademarks, whether registered or unregistered service marks, logos and icons contained on this Web Site. All rights are expressly reserved.Force Majeure
We shall not be liable to you for any breach of these Conditions or any failure to provide or delay in providing any services through this Web Site resulting from any event or circumstance beyond Our reasonable control including, without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.Links to Other Sites
In this Web Site certain links, including hypertext links, will lead You to web sites or pages that are not under Our control. These links are provided for Your information and convenience and the inclusion of any link does not imply endorsement by Us in any way of the web site to which a particular link leads.We have no control over and will accept no liability or responsibility in respect of the material or content on any other web sites. The use of such sites will be governed by separate terms and conditions and privacy policy.
Access to this Web Site
This Web Site and the insurance products and services offered within are intended for use and purchase by residents of the UK or companies and organisations registered in the United Kingdom and comply with appropriate UK legislation. If You chose to access this Web Site from locations outside the UK, You do so on Your own initiative and You are responsible for compliance with any applicable local laws.If You are accessing this web site from outside the UK, local legislation may not permit Us to provide insurance products for You in Your own country. We will be pleased to confirm the position to You on request if You e-mail Us at morethan.business@uk.royalsun.com.
You should also be aware that communications sent over the internet, such as e-mails, are not secure unless they have been encrypted. We can accept no responsibility for any non-delivery or corruption or loss of personal information or any communications sent over the internet.
Indemnity
You agree to indemnify and keep indemnified Us from and against all claims, damages, expenses, costs and liabilities arising in any manner from Your entry to and use of this Web Site other than in accordance with these Conditions.Phone Calls, E-mails and other Correspondence
Telephone calls using the telephone numbers provided on this Web Site and all correspondence whether by e-mail or otherwise with Us at the addresses accessible through, or discernible from, this Web Site may be recorded or monitored to improve Our service and for security and regulatory purposes. By using such communication methods You are consenting to the recording or monitoring of the same.Telephone charges
Telephone calls using the telephone numbers provided on this Web Site and all correspondence whether by e-mail or otherwise with Us at the addresses accessible through, or discernible from, this Web Site may be recorded or monitored to improve Our service and for security and regulatory purposes. Cover and premium are subject to assessment of Your individual circumstances.We shall endeavour to keep telephone lines are open Monday to Friday 8.00am to 8.00pm, Saturday 8.00am to 4.00pm.
The price of calls may vary depending on whether You call from a land line or mobile phone. Please check with Your telephone operator for exact charges as network charges may vary.
Content and Product Information
The descriptions of the insurance products offered by Us contained in this Web Site are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the insurance product. The precise coverage afforded by Us is subject to the terms, conditions and exclusions of the policies of insurance as issued.All insurance products and services offered in this Web Site are subject to individual terms and conditions that are readily available for inspection before a purchase is made. You should refer to the terms and conditions relating to a product or service before undertaking a purchase.
We and the organisations providing services and products to You retain the right to modify these terms and conditions when necessary so you should review them each time You use this Web Site. In cases of products and services being supplied by an organisation that has entered into an agreement with Us to sell such products and services via this Web Site any contract arising from a purchase made by You exists between You and that organisation rather than You and Us unless specifically otherwise stated in writing.
We offer a wide range of insurance products and insurance related services for sale on this Web Site. You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst this Web Site will often offer helpful advice on general insurance matters it does not seek to advise You on which particular products and services to purchase or from which particular organisation to purchase them from.
If You are in any doubt as to whether an insurance product or service offered for purchase on this Web Site is suitable for Your needs or specific requirements please seek Your own professional advice prior to making a purchase.
Alterations
We or Our appointed agents reserve the right at any time without notice to You to revise the contents of this Web Site including these Conditions. Any changes to these Conditions will be posted on this Web Site and by continuing to use this Web Site following any such change You will signify that You agree to be bound by the revised Conditions.Please read the of these Conditions carefully each time You view this Web Site
We do not guarantee the availability of this Web Site nor do We guarantee that the code which constitutes this Web Site or the material contained within it will operate either fully or in part on any specific computer equipment or in any specific software We accept no liability whatsoever for any damage, either temporary or permanent, occurring without limitation to either electronic equipment or software that might occur whilst You use this Web Site as any such damage will be deemed to be coincidental. Any information contained within the technical support pages on this Web Site is for reference purposes only and We advise against You or any individual attempting to service, repair or reconfigure electronic equipment or computer software based on the content of these technical pages unless You or the individual concerned are fully qualified to do so.
Legal Exclusions and Limitations
Whilst We take care to ensure that the information contained in this Web Site is accurate and up to date, We make no representations or warranties whatsoever about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this Web Site which may contain technical inaccuracies and typographical errors.We are not providing any legal, accounting or other professional advice or opinion on any specific facts or matters, and neither We nor any of Our directors, employees or agents will be liable for any damages arising out of or in connection with the use of this Web Site or the information in it. This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation), compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from Our negligence, or that of Our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.
For the avoidance of any doubt whatsoever, access to this Web Site is provided to You on an “as-is” basis and We do not accept any liability whatsoever for any errors or omissions. If You are in any doubt as to the validity of information made available within these pages, We recommend You seek verification by contacting Us.
To the fullest extent permissible under applicable law, We disclaim any and all express or implied promises, representations, and warranties of any kind with respect to the Web Site and the information contained thereon, including but not limited to its condition, conformity to any representation or description, its compatibility with all equipment and software configurations, the existence of any latent or patent defects, any negligence, and its merchantability or fitness for a particular purpose.
Further, save to the extent that such liability cannot be excluded as a matter of law, We will not be liable for any loss (whether direct or indirect) arising as a result of the use of the Web Site or the information available from it, or reliance upon or inability to use the Web Site whether based on contract, tort, or any other legal theory even if We have been advised of the possibility of such damages or if this limitation upon these terms of agreement has been breached or has been held to be invalid or ineffective.
For the avoidance of any doubt whatsoever, We are not providing any legal, accounting or professional advice or opinion on any specific facts or matters. You should seek your own professional advice.
The information and opinions contained on this Web Site are for general information purposes are not intended to constitute legal or other professional advice, and should not be relied on or treated as a substitute for specific advice relevant to particular circumstances. We will have no responsibility for any loss, which may arise from reliance on materials contained on this Web Site.
Certain parts of this Web Site link to external internet sites, and other external internet sites may link to this Web Site. We are not responsible for any external sites.
Availability
Whilst We take all reasonable steps to ensure that this Web Site is always accessible We will not be held liable if, for any reason, the Web Site is unavailable for any period. We may also have to suspend access to the Web Site for routine or emergency updates and maintenance but We will endeavour to keep any disruption to a minimum.In addition We cannot warrant that this Web Site will be free of viruses or defects of any description and We will not be held responsible for any technical problems You may suffer as a result of Your use of this Web Site.
Use of Your Information
By using this Web Site, you agree to the use of your personal data in accordance with the terms of the Privacy Policy which forms part of these Conditions.
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