Terms of Use
1. Introduction
1.1 This Web Site, www.loyalinsurance.co.uk is operated by Loyal Insurance Services Ltd for the purpose of offering insurance products.
1.2 These Terms will apply to all transactions on this Website, whether you are ordering online or by telephone.
1.3 Please read this document carefully and print it off or download it before placing Your Order. Occasionally, We will update
these Terms. The Terms published on the Website at the time You place Your Order will apply, so You should read them each time You shop with Us.
2. What the words actually mean
2.1 When the following words (with capital letters) are used in these Terms, this is what they will mean
§ Contract means the contract between You and the insurer, which includes these Terms
§ Delivery means the delivery of Policy documentation & services that we provide to you
§ Order means Your order for insurance, placed on the Website
§ Terms means these Terms and Conditions, which We will update occasionally. Any changes will take effect from the date they appear on the Website
and shall only apply to transactions from that date.
§ We/Us/Our means Loyal Insurance Services Ltd.
§ You/Your means the person that places the order with Us.
3. How the order process works
3.1 By placing an Order with Us, You are accepting these Terms, as well as our Privacy Policy and the Terms of Website use set out below.
3.2 Once You have placed Your Order, We will acknowledge Your Order and confirm availability by e-mail as soon as possible. This is just to let
You know that We've received Your Order and one of Our agents will be processing it. It doesn’t mean that We have legally accepted Your Order.
3.3 Certain goods have a minimum legal age limit. By placing your order you confirm that you are aged 16 or over. We reserve the right to carry out
further checks to verify your age and if appropriate cancel your order.
3.4 Any goods, services or information displayed on this Website should not be regarded as an offer, invitation, solicitation, advice or recommendation to buy a product or services on the Website.
4. Product Availability and Website Accuracy
4.1 For full details of each insurance product you should read the full Terms and Conditions before agreeing to the service.
5. Prices & Payment
5.1 We're continually reviewing the marketplace and regularly change Our prices to remain competitive. The price You will pay will be the current
price at the time You place Your Order with Us.
5.2 All prices quoted on our Website are in the relevant currencies and include Insurance Premium Tax at the current rate.
5.3 Whilst We always try to ensure the accuracy of the prices on Our Website, there will inevitably be rare occasions when We make a mistake. If We
discover any errors in the price of Goods before We confirm Your Order, We will notify You as soon as possible and give You the option to resubmit
Your Order at the correct price, select alternative products or cancel Your Order.
5.4 You can pay for Your Order by Visa, MasterCard or Delta/Connect debit cards or by Direct Debit. Due to fluctuations in exchange rates, We do
accept payment made by credit or debit cards from foreign banks.
5.5 The specific payment methods for each policy are stated on the application process.
6. Applicability of Service
6.1 Unless otherwise specified the Service offered on our website is presented solely for your own use.
6.2 We have used our best endeavours to ensure that our Service complies with UK law. However, we make no representations that the Service on our
website is appropriate or available for use in locations outside the England & Wales.
6.3 We makes no warranties, express or implied that making the Service available in any particular jurisdiction outside the UK is permitted under
any applicable non-UK laws or regulations. Accordingly, if making the Service or any part available in your jurisdiction or to you (by reason of
nationality, residence or otherwise) is prohibited, the service is not offered for sale to you. You accept that if you are resident outside the UK,
you must satisfy yourself that you are lawfully able to purchase the service. We accept no liability, to the extent permitted by applicable law,
for any costs, losses or damages resulting from or related to the purchase or attempted purchase of the service by persons in jurisdictions outside
the UK or who are nominees of or trustees for citizens, residents or nationals of other countries.
7. Changing your mind
7.1 You have the right, to cancel Your Contract within 14 days and receive a full refund for any money taken, after that you may cancel and receive
a pro-rata refund for any money taken to the nearest next full month on annual policies, for monthly policies the policy will be cancelled from
the next payment period. This must be done in writing, via e-mail, fax or letter to our contact details.
Refunds will be processed on the same card used for the original transaction .
8. Personal Data
8.1 We understand that your privacy is important to you. We will always comply with the Data Protection Act 1998.
8.2 Please see our Privacy Policy for details of exactly how we look after your personal data.
9. Liability
9.1 There are certain things that We can’t limit or exclude Our liability for (such as where We negligently cause personal injury or death) but for
everything else, We will accept liability where We have failed to do what We promised to do in the Order, We have been negligent (for instance
by causing damage to Your home or physical property) or We have caused You some other type of direct loss or damage.
9.2 We can’t accept liability for any consequential loss of profit or indirect losses.
9.3 There are lots of rights that the law says You have as a consumer. Clearly, we’re happy to honour all of those rights, plus all those
representations that are made about the Goods on this Website. Other than that, We exclude all other warranties (express or implied) to the extent
permissible by law.
10. Terms of website use
10.1 We and our suppliers are the owners of the copyright, trademarks and all other intellectual property rights in the material and content of
this Website.
10.2 You may only use the material contained on this website for your own personal and non-commercial use.
10.3 You agree not to intentionally misuse this Website.
10.4 The Website may contain links to other websites unrelated to us. We are not responsible for the content or practices of these websites.
11. General
11.8 This Website is operated by Loyal Insurance Services Ltd, which has its registered office at 97 Meneage Street, Helston,
Cornwall, TR13 8RE. We are registered in England and Wales with company number 5350177. Our FSA number is 430316.