Connoisseur Website – Terms and Conditions

Please read these terms and conditions with care since they form an important part of any contract between you and Connoisseur Policies Limited and you and Anthony Wakefield & Company Limited and you and Sterling Insurance Company Limited and by using this site you are deemed to agree to be bound by these terms. Please also ensure that you have read the Policy Summary and the instructions on how to use this web site.

Connoisseur Policies Limited
Connoisseur Policies Ltd is an independent intermediary that acts as your agent. Connoisseur Policies Ltd. is a wholly owned subsidiary and Appointed Representative of Anthony Wakefield & Company Limited, who are authorised and regulated by the Financial Services Authority.

Sterling
Sterling Insurance Company Limited, a member of Sterling Insurance Group Limited, is authorised and regulated by the Financial Services Authority. The insurance provided by this site is underwritten by Sterling.

Arranging Insurance Online
In connection with buying insurance using this site you should be aware of the following stages in the process:

You will be asked a series of simple questions and to agree to certain statements in relation to your policy.

These are the questions which form the basis of the insurance and which you should answer truthfully.
If you wish to insure individual items with a value in excess of £1,000, please specify these in the spaces provided in the on-line form. Until you have received confirmation (by e-mail) of acceptance of these values from us, the sum insured for each such item will be limited to £1,000.

By clicking 'Proceed with Cover' you declare that you wish to take out the cover provided by Connoisseur Policies Limited as an Appointed Representative of Anthony Wakefield & Company Limited, who are agents of the Underwriters, Sterling Insurance Company Limited.
You declare that you have read and understood the Policy Summary and give your explicit consent that the personal data you provide may be used by Connoisseur Policies Limited, Anthony Wakefield & Company Limited and Sterling Insurance Company Ltd, for the purposes of your insurance. This includes underwriting, processing, claims handling and fraud prevention, which could involve passing details to agents of Sterling Insurance Company Limited or other insurers. You also declare that you understand that you are entitled to a copy of your personal data held by Sterling Insurance Group Limited and/or Connoisseur Policies Limited and/or Anthony Wakefield & Company Limited upon payment of a fee.

Upon clicking on the relevant button to confirm that you wish to purchase insurance from us online you are authorising us to debit your credit or debit card with the amount of the premium due.

We will notify you that the transaction has been completed. You will then be advised that your policy is effective.

Until you have received confirmation that your policy is effective, you should not rely upon being covered by the insurance offered by this website.

No policy is valid until the premium has been paid to and accepted by Connoisseur Policies Limited.

Disclosure of Material Facts
Your attention is particularly drawn to the importance of the Declaration on the Insurer's proposal form. Any failure to disclose facts material to the insurance or any inaccuracies in your answers could invalidate your cover. Please do consult us if you are in doubt on any aspect.

The Service We Offer
It is our intention to provide you with a high level of customer service at all times. However, if you do feel you have cause to be unhappy in any way with your insurance cover, in the first instance please contact the Customer Services Manager who will be pleased to assist you. A more formalised complaints procedure will be provided in your policy document or on request.

Please note that we only arrange cover for persons who are resident in the UK. If you are resident outside the UK you should contact an insurer in your own country.

EMails
Please note that there is no guarantee that any e-mail sent to this site will be received by Connoisseur Policies Limited or that the message will remain confidential whilst being transmitted.

Important Policy information
On receipt of your payment your policy will be prepared immediately on line. If you decide that you do not wish to accept this policy, notify us within 14 days of policy cover and, provided no claims have been made, we will refund the premium.

Copy Policy Documentation
A copy of all our policy documentation is available on the web site. A hard copy is available on request.

Insurance Premium Tax
Insurance premium tax, as imposed by current legislation, will be incorporated into all premiums.

About the information on our site

Copyright
All material featured on this site is proprietary to Connoisseur Policies Limited or its Licensors. All intellectual property rights arising in this site are reserved to Connoisseur Policies Limited, Sterling or their licensors. You may download information from this site for your own personal use but otherwise it may not be copied or reproduced except with our written permission.

Accuracy of Information
Whilst we make every effort to ensure that the information contained in this site is complete and accurate, we provide no warranty or guarantees regarding the availability or completeness or accuracy of this site or any site to which these pages connect.
Where there are links from our site to other sites we give no implied approval or endorsement or comment as to the quality or contents of these other sites as we have no responsibility for any other site.

We reserve the right to make amendments and changes to the information on this site or these terms and conditions at any time. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.

Verifying information
If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interests to contact us in order to verify.

Disclaimer
Connoisseur Policies Limited will not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information on this web site or lack of availability of the web site.

International Enquiries
The pages on this site are only directed at United Kingdom residents, and comply with appropriate UK legislation and regulation.

Governing Law
This website and your use of it are governed by the laws of England and Wales and will be subject to the exclusive jurisdiction of the
English court.

This Site Uses Cookies
A Cookie is a very small text file that our website saves to your computer’s hard disk to store information that you provide about yourself whilst you are purchasing a policy from our site or when you are logged into the Customer Administration area. This information is automatically removed from your system when you terminate your connection to our website.

You have the ability to accept or decline Cookies using your browser settings. However, if you choose to decline Cookies, you will not be able to purchase a policy online or login to the Customer Administration area.

Data Protection
When we ask for any personal data, or give you the opportunity to supply such data, it is solely to provide the service or information you have requested.

We may change our privacy policies from time to time, in which case we will post the changes on this page so that you are always aware of our policies.

In addition to any personal data supplied by you, we may collect the following information:

(a) Site visits. We collect information on the pages you access. This is then used to help up develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual.

(b) E-mail addresses. If you supply an e-mail address to us, it is kept in confidence and used solely to answer your enquiry or to comply with your request. We retain the content of the form or e-mail, the e-mail address and our response. This enable us to retain an audit trail of our contact and provide you with the product, service or information you may have requested.

Data Protection Act 1998: We are obliged to comply with the Data Protection Act 1998. Under this Act you are entitled to request a copy of the information we hold about you and if the details are inaccurate, you may request that we amend them. You should do so by writing to Connoisseur Policies Limited, etc. Please note, under the Act we are entitled to charge a fee for any such request.
Third party websites are not covered by our privacy policies.

Data Protection Act
In order to assess the terms of the insurance contract or administer claims that arise, we may need to collect data which the Data Protection Act defines as sensitive (such as criminal convictions). If you proceed with an application for insurance you will signify your consent to such information being processed by us.

Information you supply may be used for the purposes of insurance administration. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer's compliance with any regulatory rules/codes.
In assessing claims made insurers may also check against publicly available information such as the electoral roll, county court judgements, bankruptcy orders or repossessions.

Credit Card Transactions
The Consumer Credit Act (1974) also applies to transactions over the Internet. It limits your maximum liability on your credit card to £50, in the event of its loss or fraudulent use. Furthermore, all liability ceases completely once the credit card issuer has been notified of any loss or fraudulent use.