Terms of Use

NatWest Business Insurance Website

Please read the following section carefully as it contains the terms governing your use of the NatWest Business Insurance website pages at  http://business-insurance.natwest.com/  (the "Site").  By using this Site you hereby agree to the terms of use in force at that time.

Additional terms and conditions apply to the products and services offered on this Site. These will be drawn to your attention when you browse any NatWest Business Insurance product or service.  

NatWest Business Insurance is arranged by U K Insurance Business Solutions Limited.  The Site is owned and maintained by U K Insurance Business Solutions Limited which is part of The Direct Line Group.  In the event that U K Insurance Business Solutions Limited is unable to provide a quotation, they may direct you to their panel of independent brokers.

If you wish to contact us regarding any matter set out in these terms of use you may do so by contacting us by phone  or by writing  to us.

Companies operating on the Site

U K Insurance Business Solutions Limited who operates the site is authorised and regulated by the Financial Conduct Authority. Registered Office: Churchill Court, Westmoreland Road, Bromley, BR1 1DP, Registration number 05196274.  U K Insurance Business Solutions Limited's FSA registration number is 313783. 

U K Insurance Limited trading as NIG (UKI) provides and underwrites the insurance products advertised on the Site.  UKI is a member of the Creditor Insurance Anti-Fraud Register and exchanges all claims information with other participating insurers.  U K Insurance Business Solutions Limited's policies are underwritten by U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ. Company No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.

The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at www.fca.org.uk, or the Financial Conduct Authority can be contacted on 0800 111 6768.  U K Insurance Limited's FCA company registration number is 202810.

The Prudential Regulation Authority website can be visited at www.bankofengland.co.uk/pra, or the Prudential Regulation Authority can be contacted on 020 7601 4878.

Availability of the Site

Whilst we have taken care in the preparation of the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

Use of personal information

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our  Privacy Policy .

Trade Marks

Images, logos, names and trade marks on the Site are proprietary marks of National Westminster Bank plc and/or any applicable relevant third party. Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trade mark and any such use may constitute an infringement of the rights of the holder.

Ownership of all materials on the Site

U K Insurance Business Solutions Limited is the owner or the licensee of all copyright, design, graphical and text arrangements, database rights and other intellectual property rights that exist in the content of the Site unless otherwise stated. The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.

Interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

Reliance on Information Posted

Commentary and other materials posted on this Site are not intended to amount to advice on which reliance should be placed.  We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to this Site, or by anyone who may be informed of any of its contents.  

Product terms and conditions

The content of the Site does not constitute an offer by us to sell products and services.

The information and descriptions on the Site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

If you apply for any product detailed on the Site, these terms of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these terms of use and the specific product of service terms and conditions, the latter shall prevail.

In the event that U K Insurance Business Solutions Limited is unable to provide a quotation, they may direct you to their panel of independent brokers.

External links

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk.

Site access

The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Disclaimer

The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms of use attempt to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms of use shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • Loss of goodwill or reputation;
  • Special, incidental, consequential loss or damage, suffered or incurred arising out of or in connection with your use of this website and these terms of use.

Access to and use of this website is at the user's own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site.

Amendment to these terms of use

We reserve the right to amend the Site and these terms of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. As these terms of use may be updated from time to time, we suggest that you check them whenever you visit the Site. The last update was made in July 2012.

If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Monitoring of telephone calls and emails

Telephone calls and email correspondence with us as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.

Waiver

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.

Jurisdiction and law

These terms of use shall be governed by and construed in accordance with English law. Any dispute or claim arising from, or related to these terms shall be subject to the exclusive jurisdiction of the courts of English courts.

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