Terms and Conditions – Express Insurance Services Ltd
Terms of Business Agreement
Please click this link if you are looking for our Terms of Business Agreement.
Terms and Conditions
Access to and use of this website and the products and services
available through this website are subject to the following terms
and conditions. Please read these terms and conditions carefully
before using the website.
By accessing this website, you agree to be bound by the
following terms and conditions and disclaimers.
Please be aware that we may update our Terms & Conditions
from time to time and any material and content provided in the
pages of this website may be changed at any time without
notice. You should therefore check this page regularly for
updated terms and conditions. The bottom of the page will always
state the date of the last update.
Use of 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.
Whilst we take all reasonable steps to ensure that the website
continues to be available there may be times when it is not
available. 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. We recommend that you do not leave
the renewal of any insurance policy so long that the unavailability
of the Site may mean you are unable to take out a new policy
through the website. In such circumstances you will need to
telephone us to obtain a quote.
At Express Insurance we look after your details carefully and are
out how we will use your information can be found within the Privacy
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
the Terms of Business Agreements, policy booklet or 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
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
The following clauses exclude or limit our
legal liability. You should read them
Where we provide you with an insurance quotation through the
website this will be based on the information you have
provided. Therefore it is essential that all information and
answers are true and accurate and that you disclose all relevant
facts. We are not responsible for any losses you suffer if
you fail to disclose accurate and true information and all relevant
and material facts. A material fact is information that an insurer
would regard as likely to influence the acceptance and assessment
of your application. If you are in any doubt about whether facts
are considered material, you should disclose them. Please ask us if
you are unsure about this.
Nothing in these Terms in any way excludes or limits our
liability for negligence causing death or personal injury or for
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
offering additional insurance policies. You must form your
own view as to the suitability of such policies for you.
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
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.
Trade Marks and Copyright
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 Express insurance Services Limited 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
If you have any concerns about material which appears on our
website please contact firstname.lastname@example.org
These Terms and Conditions are governed by English law and you and
we both agree to submit to the non exclusive jurisdiction of the
Status of the Express Insurance website
Any insurance which may be arranged for you will be arranged
through Express Insurance as agent for the insurers concerned. This
insurance website is controlled and operated by or on behalf of
Express Insurance Limited.
Express Insurance is a trading name of Express Insurance Services
Limited. We are registered in England Number 04975199 and our
registered address is Express Insurance Services Limited, Ageas
House Tollgate, Chandler's Ford, Eastleigh, Hampshire, United
Kingdom, SO53 3YA. We are authorised and regulated by the Financial
Services Authority ("FSA") and our registration number is
Terms & Conditions last reviewed and updated 11th August