Terms & conditions
Insurance Protector Group is a trading name of Commercial Express Quotes Limited which operates this website (“the Site”).
Site Terms and Conditions
Your access to and use of the Site is subject to these terms and conditions (“Terms and Conditions”), he Privacy Policy which forms part of these Terms and Conditions and all applicable laws. Your use of the Site constitutes your unqualified agreement to accept and comply with these Terms and Conditions.
The site
a. The Site is intended for use by residents / businesses of the United Kingdom whilst in the United Kingdom only. It is not applicable to residents of other countries. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any country in which it is available including the UK.
b. Whilst we use reasonable efforts to include accurate and up to date information on the Site errors may occur. We cannot give any warranty or representation as to the accuracy of the information and do not accept responsibility for errors or omissions or for any action or decisions based on the information.
c. The Site is owned by Commercial Express Quotes Limited. All content is protected by copyright and may not be used except as expressly provided in these Terms and Conditions without our prior written approval. We do not warrant or represent that your use of materials displayed on the Site will not infringe the rights of third parties.
d. You shall not copy, adapt, download, exploit or otherwise use the information contained on the Site in any way, save for the purpose of: enquiring about or requesting information relating to services featured on the Site; or downloading and temporarily storing one or more of the pages of the Site for the purpose of viewing, for your personal use only, on a personal computer or terminal. For the avoidance of doubt you shall not be entitled to reproduce, permanently store, or retransmit any of the contents of the Site without our prior written consent.
Use of the site
a. Your use of the Site is at your risk. The information and materials provided on the Site are of a general nature only and cannot be regarded as constituting advice or recommendations (professional or otherwise). We do not accept any liability for any direct, indirect, special or consequential losses or damages of whatever nature, including, but not limited to loss of profits, anticipated savings, revenues, data, goodwill or contracts resulting from whatever cause.
b. We exclude all warranties, express or implied, relating to the information and materials on the Site to the fullest extent permitted by law.
c. Nothing in these Terms and Conditions excludes our liability for death or personal injury resulting from our negligence.
d. Whilst we try to keep our anti-virus software up-to-date we do not warrant that the Site, its servers, downloadable files or e-mails which may be sent by us, are free from viruses or other harmful components. We will not be liable to you for any loss that you may suffer from any such virus or malware.
You must not:
e. Introduce or attempt to introduce any virus or other contaminant to the Site or any of its software or systems; or
f. in any way attempt to access, alter, de-compile, reverse engineer, destroy or otherwise tamper with any part of the Site, its software or systems.
Links
Hypertext links are links by which visitors can move from one website to another or from one page to another within the same website. Deep links are hypertext links which take visitors into a particular page on a website whilst bypassing the homepage of that website.
The Site contains hypertext links to third parties’ websites. Any hypertext links and deep links between our primary website and any third party website are provided for your convenience only and we accept no liability whatsoever for the contents of any such third party website. We exclude to the fullest extent permitted by law all liability that may arise in connection with or as a result of third party website material causing any damage, costs, injury or loss of any kind. Please note when you link to a third party website the provisions of our Privacy Policy do not apply to any personal data collected and processed by that website’s operator. You agree that you will not create any hypertext links between the Site and any other website without our prior written consent.
Changes to terms and conditions and disclaimer
Commercial Express may change the terms and conditions and disclaimer set out above from time to time. By browsing this website you accept the current terms and conditions and disclaimer. You should check these each time you revisit the site
Changes to/operation of website
Commercial Express may change the format and content of this website (or of any insurance products or services offered via this website) at any time
Commercial Express may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, for content updates or for any other reason
Commercial Express reserves the right to stop access to this website (and to products and services offered via the website) at any time and without notice
Trade marks, logos and service marks
The trade marks, logos and service marks (collectively the “Trade Marks”) displayed on the Site (whether registered or unregistered) are and shall remain the property of their respective owners. Nothing contained on the Site shall be construed as granting any licence or right to use any Trade Mark displayed on the Site without the written permission of the relevant Trade Mark owner. Your misuse or infringement of any of the Trade Marks displayed on the Site is strictly prohibited.
Indemnity
You agree to indemnify and keep indemnified us, our officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damages and expenses including legal fees incurred by us should you breach any of these Terms and Conditions.
We reserve the right to assume the defence and control of any matter subject to indemnity by you and, in such case; you undertake to cooperate in full with our defence of any such claim.
Purchase of products available through this site
All policies are underwritten by certain insurers at Lloyds of London on behalf of Commercial Express Quotes Limited. Commercial Express Quotes Limited are authorised and regulated by the Financial Services Authority No. 311067.
All quotations given through this website which are specifically described as ‘indicative quotes’ are intended as an indication only of your likely premium based on the limited information provided. They are not binding quotations.
The premium quoted may vary once your full details have been submitted.
All statements made by you or information given by you to Commercial Express Quotes Limited are your responsibility. If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy.
Once you have submitted a proposal for insurance via this website, the proposal will not be accepted (and you will not be insured) until you receive confirmation from Commercial Express Quotes Limited. This confirmation may be through the website or by email, telephone or post.
The decision as to whether to offer you insurance cover is at Commercial Express Quotes Limited discretion and we are not bound to do so. In assessing whether or not to offer insurance cover in response to proposals submitted via this website, Commercial Express Quotes Limited will not refuse the proposal only because of automatically processed personal data. If the proposal is rejected by any automated decision making process, then the proposal is referred to people employed by, or on behalf of Commercial Express Quotes Limited.
The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Commercial Express Quotes Limited through our website, for example where the level of cover requested is above the maximum level of cover available through this website. It is based on the restrictions set for the insurance products available through this website; however, this type of automatic refusal is not based solely on automatically processed personal data.
You may cancel your insurance in accordance with the relevant policy terms and conditions.
Once insurance has been effected by Commercial Express Quotes Limited (including any insurance effected following an update of an existing policy), Commercial Express Quotes Limited will promptly confirm with you that this is the case. Commercial Express Quotes Limited will also advise you of the relevant insurance premium and any fees or charges which are payable separately.
Commercial Express Quotes Limited will also provide you with a copy of the policy schedule.
Commercial Express Quotes Limited will notify you in writing of any changes to the terms and conditions of your insurance policy and will give reasonable notice for any changes which are due to commence.
You should keep a copy of all information sent to or received from us for your records.
Commercial Express Quotes Limited will try to reply promptly to all correspondence. We may reply by email or in writing.
Restricted Access
Access to certain areas of our website may be restricted. We reserve the right to restrict access to areas of our website, or indeed our whole website, at our discretion.
If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that user ID and password is kept confidential.
We may disable your user ID and password in our sole discretion without notice or explanation
Data protection
We will only use your personal details in line with our privacy policy. Please read this carefully before proceeding. By providing your personal details to us you are consenting to its use in accordance with our privacy policy.
Feedback and Complaints
Any queries, feedback or comments you may have about the Site should be submitted by emailing us at support@ceqonline.co.uk or writing to Commercial Express Quotes Limited,
Compliance Department, Unit 4 Castlegate Court, Castlegate Way, Dudley DY1 4RD
Security
We will take all reasonable steps to ensure that any information you provide via email on this Site is kept secure, but please remember that, because of the nature of the internet, the security of emails cannot be guaranteed. Consequently your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us.
Additional information regarding the security of personal data and the use of cookies is available in our privacy policy.
Registrations and Authorisations
We are registered with the Financial Services Authority. You can find the online version of the register at www.fsa.gov.uk/register/. Our registration number is 311067
Our details
The full name of our company is Commercial Express Quotes Limited
Our registered address is Unit 3 Castlegate Court, Castlegate Way, Dudley, DY1 4RD. You can contact us by email to business@ceqonline.co.uk
