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Terms and conditions

Terms of use

Please read the following carefully as it contains the conditions governing your use of the entire content of this website under the domain name barninsurance.com, (the website) and to any communication by email between you and barninsurance.com in using this site you agree to these terms and conditions of use, if you do not accept these terms and conditions in full, you must leave this site immediately, you should also read the section on Security & Privacy which outlines how personal information you provide to us will be used.

These terms and conditions may be amended at any time without notice; you should visit this page from time to time to review the current terms and conditions because they are binding on you.

This site is operated by Barn Insurance.Com which is a trading title of AntonyRobin Underwriting Services.

In these terms and conditions, “our”, “we”, and “us” refer to Barn Insurance.Com

Barn Insurance.Com is authorised and regulated by the Financial Conduct Authority. It is entered in the Financial Conduct Authority register with the number 304551. The Financial Conduct Authority website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/register, or the Financial Conduct Authority can be contacted by telephone on 08456 061 234.

Under the Financial Conduct and Markets Act 2000, should the Insurance Company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. Information can be obtained by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

Ownership of material

All designs, logos, database rights, graphical and text arrangements and any other intellectual property rights in all the material on this site are owned by Barn Insurance.Com unless otherwise indicated.

Use of site

This site is intended for personal use only, any interference or entry to the site with the intent to damage, deny service or corrupt from the site, or for any commercial benefit is taken very seriously and we will take what action is necessary to protect this site from any such activities, you acknowledge that damages may not be a sufficient remedy for any breach and that we are entitled to the remedies of injunction, in order to deliver up materials which infringe our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for dependence on such remedies.

Terms and conditions of our products and services

The content of this site does not constitute any offer by us to sell products and services your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.

The information and descriptions on this site do not necessarily represent complete descriptions of all terms and conditions in relation to our products and services, specific details will be included in the schedule of cover and policy documentation and/or conditions of purchase issued to you.

You must make certain that the details you give to us while using this site are correct and that you have adequate funds to cover the cost of any product or service which you intend to purchase.

Availability of site

Whilst we have taken care in the preparation of this 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 this site at all times, that defects will be remedied, or that this site, or the server that makes this site available, are virus free, access may be suspended occasionally or we may restrict access to allow for repairs or maintenance to be undertaken or for the introduction of new services.

Complaints Procedure

We aim to provide you with a first class online service; nevertheless, there may be times when you feel that we have not done so, if this happens, we would rather be advised about it so that we can do our very best to resolve the problem. If you have a complaint then please get in touch with us and we will make sure that your complaint is dealt with without delay.

External Links

Links to third party websites are provided solely for your convenience. When you activate these links you will leave this 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 access linked websites you do so entirely at your own risk.

Site Access and Retrieve Quote usage

This site is intended for use by UK residents only, applications for products or services from non-UK residents will not be accepted.

In order to obtain access to certain online services and to retrieve a saved quotation you are required to enter your e mail address and date of  birth as a password, you are solely responsible for maintaining the confidentiality of your details and for restricting access to prevent unauthorised admission, you accept responsibility for actions that occur under your account, you agree to notify us immediately if you have any reason to believe that your password is being used in an unauthorised manner.

Transactions by Debit/Credit Card

Please note that we retain the debit/ credit card details you provide to us after payment has been made, this assists us in reducing credit card fraud, we will, except in exceptional circumstances, return any refund due to you for any product or service you have purchased by debit/credit card back to the debit/credit card account used to make the initial purchase.

Refund of Payment by Debit/Credit Card

Please note you have the right to cancel your policy and receive a full refund of any payment you made to us by means of your Debit or Credit card providing this is received by us within 14 days of the date cover commenced and has been requested by you in writing to us by e mail at info@barninsurance.com cancellation of policies after this period will be on a pro-rata basis.

Disclaimer

We will do our best to correct errors and omissions as soon as we can, however on occasion there may be mistakes in the price or type of product or service shown, in the event of such an error we reserve the right to cancel any contract we may have entered into with you, but this of course will be without any liability to you and a full refund will be offered.

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 and conditions attempts to exclude liability that is not permissible under the applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

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 are bound to comply with.

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

We accept no liability in contract, negligence, tort, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this site (which includes without limitation) any errors or omissions contained in this site or if the site is unavailable, 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 reputation or goodwill

·         incidental, special, damage or consequential loss;

Incurred or suffered arising out of or in connection with your use of this site and these terms and conditions.

Access to and use of this site is at the user's own risk and we do not warrant that the use of this site 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. We accept no liability in respect of losses or damages arising out of changes made to the content of the site 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.

If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

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 conditions of use shall be governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts.

If you wish to contact us with regard to any matter set out in these terms and conditions you may do so in writing to our offices or by e mail to info@barninsurance.com

Last updated: June 2013

 

 

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