Terms and Conditions

Please read these terms and conditions (“Terms of Use”) carefully - they apply to your use of this website. By proceeding with access to our website you are deemed to have accepted these Terms of Use. We may amend these Terms of Use at any time by amending this page and any such amendment shall apply to your use of this website after such amendment.

The law

This website and these Terms of Use are governed by English law. Any disputes arising from the use of this website shall be resolved by the English courts.

UK residents

This website is intended for use by residents of the United Kingdom. The site is not applicable to residents of other countries because the law in other countries may restrict the distribution of the information and products available on this website.

Warrings

This website is owned and operated by Warrings Ltd, (“Warrings”) registered in England No. 03826387. Registered office, 10 Donnington Park, Birdham Road, Chichester, West Sussex, PO20 7DU. Please see the Contact Us page for more information.

Warrings is authorised and regulated with respect to non-investment insurance contracts by the Financial Services Authority, FSA Registration No. 309481.

Warrings Ltd. is authorised by each of the insurers on their panel to arrange insurance on your behalf (subject to your meeting insurers' requirements). The FSA requires us to advise you of the basis on which we transact business. We may make a charge for arranging an insurance policy and this is included in the premium quoted to you. We will be pleased to advise you of our commission earnings, upon request. We would point out that, in the event of you cancelling your annual policy, certain insurance companies will apply short period rates which can be the number of months on cover plus an additional premium. In the unfortunate circumstance of you having to make a claim or being involved in an incident that may result in a claim being made against you, it is your duty to advise us, or your insurance company, without delay, and forward any correspondence received immediately. Failure to comply with this may result in your insurer's position being prejudiced and they may look to you for recompense. In the unlikely event of you being dissatisfied with your insurance policy or our service then please contact us in the first instance. We will investigate and respond to your complaint in accordance with our Complaints Handling Scheme.

Our legal liability

The following wording excludes or limits our legal liability for this website and applies only as far as the law permits.

Our website contains a large amount of information.  We have tried to make it as simple to use as possible and to take all reasonable endeavours to ensure that the information is accurate at the time of publication. However, because of the nature of the internet, there may be circumstances in which errors or omissions in the information may occur which are beyond our reasonable control. This may occur due to unauthorised access by a third party for example. Hence, we disclaim all express or implied warranties that this website is accurate, complete or up to date. We have no liability to you if it is not.

Whilst we take all reasonable steps to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may have to suspend access to the website for routine or emergency updates and maintenance but we will endeavour to keep any disruption to a minimum. We are not responsible if this website does not work properly or at all.

In addition we cannot warrant that this website 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 website.

The fact that a service is shown on this website does not necessarily mean it is suitable for you. It is your responsibility to check that it is. This also applies to other people's products or services linked to this site. Some of the services on our website may not be available or may have changed. We are not in any way responsible for anything mentioned on or linked to this website that someone else is marketing.

This website may contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the website to which it links. We accept no responsibility or liability for the contents of any linked website.

Linking to our website

You may link to any page of our website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you, or if not owned by you without the website owner’s permission.

Our site must not be framed on any other site without our prior written permission.

Copyright

Copyright in the whole and every part of this website belongs to Warrings Ltd, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in any media by any person without our prior written permission.

Personal information

Our usage of your personal information is governed by our Privacy Policy, which forms part of these Terms of Use. Please read the Privacy Policy carefully - it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it together with your rights of access.