Terms & Conditions

Our Service

Westhill Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority. In arranging insurance for our clients, we act as an Independent Intermediary. We act on your behalf in arranging your insurance. Our service includes: advising you on your insurance needs; arranging your insurance cover with insurers to meet your requirements; and helping you with any ongoing changes you have to make. We can also issue policies on behalf of certain insurers. We offer a wide range of insurance products and have access to leading insurers in the market place.

Disclosure

It is your responsibility to provide complete and accurate information to insurers when you take out your insurance policy, throughout the life of your policy, and when you renew your insurance. Failure to disclose information pertaining to your insurance, or any inaccuracies in information given, could result in your insurance policy being invalid or cover not operating fully. This might mean a claim you make would not be paid. It is important that you ensure all statements you make on insurance proposal forms, claim forms and other documents, are full and accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. You are reminded that it is an offence to make any false statements or withhold any relevant information to obtain a Insurance Certificate. You are advised to keep copies of any correspondence you send to us or direct to your insurer. If you are in any doubt about whether information is relevant, you should disclose it.

Access to the Website and Content

We will endeavour to allow uninterrupted access to this Website, but access to this Website may be suspended, restricted or terminated at any time. We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website at any time. We assume no responsibility for the content or services of any other websites to or from which the Website has links. We use reasonable endeavours to ensure that the data on this Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that this Website will be fault free and we do not accept liability for any errors or omissions. We do not monitor, verify or endorse information submitted by us or third party providers for inclusion on this Website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the results page. To the extent permitted by applicable law, we disclaim all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on this Website. We do not give any warranty that this Website is free from viruses or anything else which may have a harmful effect on any technology. Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of this Website or reliance on the data transmitted using this Website, is excluded to the fullest extent permissible by law.

Premiums and Financial Aspects

In order to be able to offer you credit facilities, we are registered under the Consumer Credit Act and our Licence No. is 228017. We normally accept payment by guaranteed cheque or the following credit cards - Visa, Mastercard, Access. You may be able to spread your payments through insurers' instalment schemes or a credit scheme that we have arranged with a third party finance provider. We will give you full information about your payment options when we discuss your insurance in detail. We may keep certain documents, such as your insurance policy or Certificate, while we are waiting for full payment of premiums. In these circumstances, we will ensure that you receive full details of your insurance cover and will provide you with any documents that you are required to have by law. We will hold monies received from you in a designated Bank Account. We will remit such monies to insurers in line with our agreements with them.

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