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Terms and conditions

Regulatory Information and Terms and Conditions of Use

Please read the following section carefully as it contains the conditions governing your use of the Shield Total Insurance website www.shieldtotalinsurance.co.uk (the "Site").

Additional terms and conditions may apply to the products and services available through the Site. These will be drawn to your attention when you browse, apply for or purchase any product or service. By using this Site you agree to these conditions.

The Site is operated by Shield Total Insurance. Shield Total Insurance is a trading name of Vantage Insurance Services Limited (VISL).

Vantage Insurance Services Limited (VISL) of 41 Eastcheap, London EC3M 1DT (Co. Registration No. 3441136) is authorised and regulated by the Financial Conduct Authority.

AVAILABILITY OF SITE

Whilst every effort is made to ensure the Site’s availability, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to the Site at all times. Access may be suspended or restricted to allow for repair or maintenance or for the introduction of new services.

USE OF PERSONAL INFORMATION

When you seek a quote online, you will be asked to "opt in" to our Privacy Policy, whereby you consent to our using your personal information for the provision of your requested quotation and to keep you informed of our services. Shield Total Insurance promise never to give your details to any other third party for marketing purposes and will only send you information about Shield Total Insurance.

TRADEMARKS / OWNERSHIP OF MATERIALS

Images, logos, names, trademarks, copyright, design, graphical/text arrangements, database rights and other intellectual property rights that exist in the content of the Site are the proprietary marks of Shield Total Insurance 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 trademark and any such use may constitute an infringement of the rights of the holder.

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.

PRODUCT TERMS AND CONDITIONS

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service will be subject to the terms and conditions of that product or service, which we may accept or reject.

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.

EXTERNAL LINKS

We may provide links to other websites that are not under our control. These links are provided for your convenience. 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 AND PASSWORD USAGE

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.

To obtain access to certain online services you are given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner.

CREDIT CARD TRANSACTIONS

Please note, in the interest of data security we do not retain the details of your credit/debit card. Accordingly in event of cancellation, any refund we provide to you in respect of any product or service you have purchased will be made by cheque.

DISCLAIMER

We will endeavour to provide accurate up to date information on the website. However, on occasion there may be a discrepancy in the price or type of product shown. In the event of such an occurrence, we reserve the right to cancel the contract, without any liability to you and a refund will be offered.

In no event shall we be liable to you or any other person or entity in any way, whether arising under contract, tort (including negligence) or otherwise, for damages of any kind arising from the use of this website, including, but not limited to, direct, indirect, incidental, punitive or consequential damages, lost revenue or profits, lost or damaged data or other commercial or economic loss, that result from your use of, or inability to use this website.

Nothing in these terms and conditions 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 must comply with.

AMENDMENT TO THESE CONDITIONS OF USE

We reserve the right to amend the Site and conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site. The last update was made in July 2011.

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 arising 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 we shall be entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

JURISDICTION AND LAW

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.

If you wish to contact us regarding any matter set out in these conditions you may do so by writing to us.