Duty of disclosure
Where we arrange insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair representation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair representation of the risk and will be deemed to know what should reasonably have been revealed by the search
Your duty of fair representation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair representation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.
Consumer Insurance (Disclosure and Representations) Act 2012
It is your responsibility to take reasonable care not to make any misrepresentations to the insurer, under the Consumer Insurance (Disclosure and Representation) Act 2012. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could result in part or all of a claim not being paid.
This website (“website”) is owned by and operated by South Essex Insurance Brokers Ltd (SEIB), a wholly owned subsidiary of Ecclesiastical Insurance Office Plc. South Essex Insurance Brokers Ltd registered address is Brunswick Road, Gloucester GL1 1JZ UK. Tel: 01708 85000. Registered in England No. 6317314
Access to this web site (or portions thereof) and the use of information, materials, products or services provided through this web site (or portions thereof), is not intended, and is prohibited, where such access or use violates applicable laws or regulations.
This website is a business and commercial site for the use of UK residents only. As such, it is not intended for children or minors.
Product & services information
All references on this website to information, materials, products and services apply to information, materials, products and services available in the UK with respect to such information only, unless otherwise stated. Any products or services purchased via this website may be subject to further separate terms and conditions applicable to such product or service.
Unless otherwise indicated, this website and its design, text, content, selection and arrangement of elements, organisation, graphics, design, compilation, magnetic translation, digital conversion and other matters related to this website (“Elements”) are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property) rights and are the property of South Essex Insurance Brokers or are included with the permission of the rights owner and are protected pursuant to copyright and trademark laws.
The posting of any such Elements on this website does not constitute a waiver of any right in such Elements. You do not acquire ownership rights to any such Elements viewed through this website. Except as otherwise provided herein, none of these Elements may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission.
The South Essex Insurance Brokers logo, all product names, all page headers, all custom graphics, all button icons, all trademarks, service marks and logos appearing on this website, unless otherwise noted, are service marks, trademarks and/or trade dress of South Essex Insurance Brokers (the “Marks”). All other trademarks, product names, company names, logos, service marks and/or trade dress mentioned, displayed, cited or otherwise indicated on the website are the property of their respective owners. You agree not to display or use the Marks in any manner without our prior written permission. You agree not to display or use trademarks, product names, company names, logos, service marks and/or trade dress of other owners without the prior written permission of such owners. The use or misuse of the Marks or other trademarks, product names, company names, logos, service marks and/or trade dress or any other materials contained herein, except as permitted herein, is expressly prohibited.
This website may contain links and/or advertisements to other websites maintained by us in addition to links to websites maintained by unrelated companies and persons (“third party website”). An advertisement of, or link to, a third party website does not mean that we approve, endorse or accept any responsibility for that third party website, its content or use, or the use of products and services made available through such third party website.
We are not responsible for the actions, content, accuracy, opinions expressed, privacy policies, products or services provided through these links or made available through these resources or appearing in such third party websites, nor for any damages or losses, directly or indirectly, caused or alleged to have been caused as a result of your use or reliance on such third party websites.
Such third party websites are not investigated, monitored or checked for accuracy, completeness or conformance with applicable laws and regulations by us. We do not make any representations whatsoever, or give any warranties of any kind, expressed, implied, or otherwise about any websites which you may access through this website, the content thereof, or the products and/or services made available through such websites. If you decide to leave our website and access these other websites, you do so at your own risk. All rules, policies (including privacy policies) and operating procedures of such websites will apply to you while on such websites.
Links from other websites
Persons providing access to this website via any link from another website are solely responsible for the content, accuracy, opinions expressed, privacy policies, products or services of, or available through, the source website and for any representations made or impressions created concerning South Essex Insurance Brokers.
Authorisation by us to link to this website is given without assumption of any liability by us relating to such links, and we hereby disclaim any such liability. We reserve the right to withdraw any authorisation to link to this website at any time and for any reason. We may also use technology that prevents so called “deep linking”, spidering or web crawling, or at any time to prohibit any person from access to this website or any part of it which we in our sole discretion consider is excessive or in any way harmful to the operation of this website, or to South Essex Insurance Brokers’s business or reputation.
Data protection consent
With the exception of Personal Data, any communication or material you post or transmit to us over the Internet is, and will be treated as non-confidential and non-proprietary. Upon the transmission of any personal information to us, you expressly grant permission to us to disseminate and/or use such information for any lawful purpose as detailed in our Privacy Statement.
Posting or transmitting of any unlawful, threatening, libellous, defamatory, obscene, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offence or violation of any law is strictly prohibited.
We reserve the right to monitor your communications with us whether by mail, voice, fax, e-mail or any other form of transmission for the purposes of quality control, security and other business needs.
Notwithstanding the foregoing, all personal data provided to us as a result of this website will be handled in accordance with our Privacy Statement.
This site is provided on an “as is,” “as available” basis, without warranties of any kind. To the fullest extent possible pursuant to applicable law, South Essex Insurance Brokers, its affiliates, service providers and licensors disclaim all conditions, warranties and other terms, whether express, implied, statutory or otherwise. Without limiting the foregoing, South Essex Insurance Brokers, its affiliates, service providers and licensors do not represent or warrant to you or your company and South Essex Insurance Brokers, its affiliates, service providers and licensors hereby disclaim all conditions, warranties and other terms relating to:
- (a) all warranties of merchantability, fitness for a particular purpose, title and non-infringement;
- (b) delays, interruptions, errors, or omissions in the operation of this site or any part of it;
- (c) the transmission or delivery of this site or its availability at any particular time or location;
- (d) the use, validity, accuracy, currency or reliability of, or the results of the use of this site or any information published on this site; and
- (e) to websites to which this site is linked.
The materials on this site comprise South Essex Insurance Brokers’s views and are designed to provide general information only. Whilst every effort has been made to ensure that the information provided is accurate, it does not constitute legal or other professional advice. It is your responsibility to evaluate (or take professional advice on) the accuracy and completeness of all information, statements, opinions and other material on this website or any website with which it is linked.
Some jurisdictions do not allow the exclusion or disclaimer of certain warranties. Accordingly some of the above disclaimers may not apply to you. We do not seek to exclude or limit liability for fraudulent misrepresentation or any other liability which cannot be excluded or limited under applicable law. Your statutory rights as a consumer, if any, are not affected hereby.
Exclusion of liability
To the fullest extent permitted by applicable laws we, on behalf of our employees, agents, suppliers, and contractors exclude liability for any losses, damages and expenses of whatever nature and howsoever arising including, without limitation, any direct, indirect, special, punitive, or consequential loss or damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of this website or any website with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary.
This is a comprehensive limitation of liability that applies to all losses and damages of any kind whatsoever, whether the alleged liability is based on contract, negligence, tort, strict liability or any other basis. Some jurisdictions do not allow the limitations of liability set forth above, so these limitations of liability may not apply to you. If any part of this limitation of liability is found to be invalid or unenforceable for any reason, then the aggregate liability of South Essex Insurance Brokers, its affiliates, service providers and licensors under such circumstances for liabilities that otherwise would have been limited, shall not exceed £500. We do not seek to exclude or limit liability for fraudulent misrepresentation or any other liability which cannot be excluded or limited under applicable law.
Indemnity and release
Modification and discontinuation
We reserve the right at any time and from time to time to modify, edit, delete, suspend or discontinue, temporarily or permanently this website (or any portion thereof) and/or the information, materials, products and/or services available through this website (or any part thereof) with or without notice. You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of this website.
Law & Jurisdiction
The website is controlled by South Essex Insurance Brokers from its office in England. Access to, or use of, this website or information, materials, products and/or services on this website may be prohibited by law in certain countries or jurisdictions. You are responsible for compliance with any applicable laws of the country from which you are accessing this website. We make no representation that the information contained herein is appropriate or available for use in other locations outside the United Kingdom.
Notwithstanding the foregoing, we retain the right to bring legal proceedings in any jurisdiction where we believe that breach of this agreement is taking place or originating.
Online trading and payments
South Essex Insurance Brokers offer several lines of insurance via the www.seib.co.uk website. www.seib.co.uk resides in the United Kingdom and payment methods for online insurance are only accepted in Great British Pounds (GBP). All transactions via the South Essex Insurance Brokers website are made in GBP only to UK domiciled Merchant
www.seib.co.uk offers insurance based products only.
Online Insurance Products offered under the www.seib.co.uk website are available to UK residents only and cover UK based risks only. Products are not available for export.
How to cancel
You may have a statutory right to cancel your insurance within a short period. Please refer to your policy summary or your policy document for further details. If you cancel you will receive a pro rata refund of premium from the insurer. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance. If you wish to cancel outside of this period you may not receive a pro rata refund of premium. We may also keep an amount that reflects our administrative costs of arranging and cancelling the insurance plus an administration fee for each and every cancellation and/or adjustment.
Refunds and cancellation
Refunds will be made to the payment method in which they are collected. Credit and Debit card refunds must be issued to the same Credit or debit card from which the original payment was made.
Data Protection Officer
South Essex Insurance Brokers Ltd
South Essex House, North Road, South Ockendon, Essex RM15 5BE
or by e-mailing us at email@example.com