Terms of use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms tell you the rules for using our website www.uk.markel.com (our site).

By accessing any part of this site you will be deemed to have accepted these terms and conditions in full. Please read them carefully. If you do not agree with all these terms and conditions, stop using the site. You may wish to print a copy of these terms for future reference.

WHO WE ARE AND HOW TO CONTACT US

This site is operated by Markel Capital Holdings Limited, registered under company number 06722095 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ, on its own behalf and on behalf of its two subsidiaries, which are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority:

• Markel International Insurance Company Limited, registered under company number 00966670 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ; and
• Markel Syndicate Management Limited, registered under company number 03114590 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ,

(”We” / “Markel”). The ultimate owner of UK.Markel.com is Markel Group Inc.

To contact us, please email markel.enquiries@markelintl.com or telephone our customer service line on +44 (0)20 7953 6000.

OTHER TERMS THAT MAY APPLY TO YOU

These terms of use refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Policy — this sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you confirm that all data provided by you is accurate.
• Our Cookies Statement, which sets out information about the cookies on our site.
• Our Acceptable Use Policy — this sets out the permitted and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.

ALTERATIONS

We amend these terms from time to time. When revisiting our site, please check these terms to ensure you understand the terms that apply at that time.

We may update and change our site from time to time.

ACCESS TO OUR SITE

Our site is made available free of charge.

We try to ensure that whenever you need us, the site is accessible and fully working although we do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

CONTENT

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Our site is directed to people residing in United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

We also reserve the right to remove or cease to supply any product or service contained on this website. In the event that removal takes place we shall not be liable to you in any way whatsoever for this removal. Prices and details of products and services posted on this website are subject to change at any time without notice. All products and services are subject to availability and we give no guarantees in this regard.

LINKS TO OTHER SITES

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

LINKING TO OUR WEBSITE

You may link to our site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you.

We reserve the right to withdraw linking permission without notice.

OUR DESIGNS AND MATERIALS BELONG TO US (INTELLECTUAL PROPERTY RIGHTS)

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it.

Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

USER-GENERATED CONTENT IS NOT APPROVED BY US

This website may include information and materials uploaded by other users of the site including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

LIMITATION OF OUR LIABILITY

• We do not exclude or limit in any way our liability to you where it would be unlawful to do so.
• This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
• We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
• We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site
• In particular, we will not be liable for:
• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

VIRUSES

We do not guarantee that our site will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

TRADE MARKS

This website contains trademarks, including the Markel International name and logo. All trademarks on this website belong to Markel International or have been licensed to Markel International by the trademark owner(s) for use on this website. You are not allowed to copy or use any of these trademarks in any way except as set out above. If you wish to do anything else with any of the trademarks you must obtain the written permission of the trademark owner.

HOW WE MAY USE YOUR PERSONAL INFORMATION

We will only use your personal information as set out in our Privacy Policy. Please read this carefully before proceeding.

HOW WE HANDLE COMPLAINTS

If you have a question or complaint, you can contact us on the following details:

By telephone: +44 (0)20 7953 6020
Email: Complaints@markel.com
Write to:
Compliance Department
Markel International
20 Fenchurch Street
London
EC3M 3AZ

REFERRAL RIGHTS

If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform here.

Alternatively, should you remain dissatisfied with our final response, you may, if eligible, refer your complaint to the Financial Ombudsman Service (FOS). The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services.

The FOS’s contact details are as follows:

Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Email: complaint.info@financial-ombudsman.org.uk
Telephone: +44 (0)300 123 9 123
Website: www.financial-ombudsman.org.uk

APPLICABLE LAW

If you’re a consumer, these terms of use, their subject matter and their formation (and any non- contractual disputes or claims) are governed by English law. The courts of England and Wales will have non-exclusive jurisdiction over any disagreement we might have. Additionally, if you’re resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non- contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.