Please read the following section carefully as it contains the Terms governing your use of this website – www.taylorwatkins.co.uk (“the Site”)
The products and services available on this Site are subject to terms and conditions. These will be highlighted to you when you browse, apply for, or purchase any product or service. By using this Site, you are acknowledging and accepting the prevailing terms. If you do not agree to these terms, please refrain from accessing this Site.
Please note that we may modify these Terms & Conditions at any time without prior notice, and we advise you to check this section frequently. Your continued use of this Site following any changes to the Terms will signify your acceptance of the revised Terms.
Some technical issues with the Site may be outside our purview. Therefore, we cannot ensure uninterrupted access to the entire Site at all times, or guarantee that the Site or the server that hosts it is free from issues at all times. At times, access may be limited or suspended to facilitate repairs, maintenance, or the introduction of new services, without prior notification.
By using the Site, you consent to the processing of your personal information in compliance with our Privacy Policy.
The content of this Site does not constitute financial or professional advice. Your request to purchase a product represents an offer by you, which we may accept or reject based on the terms and conditions of that particular product or service. If the offer is approved and the product is available, you will receive confirmation.
The information provided may not encompass complete descriptions of all terms, conditions, and exclusions, and the exact coverage provided (if applicable) will be specified by the insurance provider.
If you apply for a product or service featured on this Site, these Terms of Use should be reviewed in conjunction with any other terms and conditions related to that product or service. In case of any inconsistency between these Terms of Use and the specific terms and conditions of the product or service, the latter will take precedence.
We may include links to other websites that are not within our control. These links are provided for your convenience. When you click on these links, you will exit the Site. We do not endorse or take responsibility for the content or availability of any third-party websites, and we are not liable for any loss or damage that you may incur by accessing those websites. If you choose to access any linked websites, you do so at your own risk.
The prices and specifications of the products and services provided on this website, as well as any promotional offers, may be modified without prior notice and are subject to availability. Any mistakes will be rectified once identified, and Taylor Watkins has the right to cancel any advertised offer and correct any errors, inaccuracies, or omissions, even after an order has been placed and payment has been accepted and processed. In the event that payment has already been received, Taylor Watkins will reimburse you with the appropriate credit within a reasonable timeframe after the order has been cancelled.
Despite our best efforts to ensure the accuracy, currency, and compliance of the information on this Site with applicable legislation and regulations at the time of publication, we provide no warranty and make no representation regarding the completeness or accuracy of the content on this Site. Therefore, we shall not be liable for any direct, indirect, special, consequential, or other losses or damages resulting from any errors or omissions in the content on this Site. Moreover, we do not warrant that this Site will be available uninterrupted, and we shall not be liable for any losses or damages resulting from such unavailability. We also disclaim any liability for losses or damages resulting from any unauthorized modifications to the content of this Site by third parties.
You acknowledge that you are solely responsible for your use of this Site, and that all warranties, conditions, undertakings, representations, and terms, whether expressed or implied, statutory or otherwise, are hereby excluded to the fullest extent permitted by law.
Nothing in these Terms of Use shall limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, subsequent amendments or replacements thereof, which regulate investment or financial business in the United Kingdom, or any conduct of business rules that we are obligated to follow. Moreover, these Terms of Use shall not attempt to exclude our liability for death or personal injury, or fraudulent misrepresentation.
The materials on this Site are not intended to constitute financial or professional advice. Please consult an independent financial adviser for advice on financial matters.
If you breach these Terms of Use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.
These Terms of Use shall be governed by and construed in accordance with the law of England and Wales. Disputes arising shall be subject to the exclusive jurisdiction of the Courts of England and Wales.
We act as an agent for the insurer and do not provide advice or recommendations. Instead, we may ask you some questions to narrow down the selection of insurance products that we can offer. We will only provide you with quotations based on the information you provide to us.
We arrange the policy with the insurer and make any changes requested by you on your behalf. Our role is to provide you with information about the insurance products we offer, including the insurer, key features of the coverage, premium, excesses, cancellation rights, significant exclusions, and conditions or endorsements that apply to the policy. We also inform you of the period of cover. It is your responsibility to decide which quotation to choose.
We earn commission from the insurer or premium finance provider based on the total annual premium, and we may also be entitled to a profit commission depending on the arrangements we have with the insurer.
You can request information about payments we receive from insurers for placing your insurance business with them. We will inform you of any fees for new business or renewal policy issue before you make a decision to proceed. You can find details of these fees in your renewal invitation and insurance confirmation following purchase.
Please refer to your individual insurer’s policy wording for information about cancellation rights, as they will depend on each insurer.