1.1 The hiscoxcollection.com web site ("Site")
is provided for your information by Hiscox plc, 1 Great St Helens,
London, EC3A 6HX ("Hiscox") and the terms and conditions set out below are also for the benefit of all
companies which, in relation to Hiscox (as defined above), are a
subsidiary of it and all companies which are a subsidiary of any
subsidiary of Hiscox (as defined above), the term “subsidiary” being
as defined in section 736 Companies Act 1985. (“Hiscox Group”). These
are the general terms and conditions that govern your use of this
Site. Please read these terms and conditions carefully. By using
the Site you agree to be bound by these terms and conditions. If
you do not wish to be bound by these terms and conditions, you may
not continue to use or access the Site.
1.2 These terms and conditions may change or be updated
from time to time. It remains your responsibility to access and check
these terms and conditions whenever you access the Site. The latest
version of these terms and conditions will govern any future usage
by you of the Site.
2 What you are allowed to do
2.1 You may:
(a) browse the Site using a compatible web browser
(this Site is compatible with Internet Explorer 5.0 and above (Windows),
Internet Explorer 5.0 (Macintosh), Netscape Navigator 6.1 and 7.0
(Windows), Mozilla (Windows), Opera (Windows), and Safari (Macintosh)).
Permission to browse the Site includes permission to make transient
or cached copies of parts of the Site to the extent that this occurs
in the normal course of using your browser and that these copies
are used only to facilitate current or subsequent access to the Site
(b) print a copy of any page of the Site for your
own personal purposes, provided you do not do any of the things set
out under the heading "What you are not allowed to do", below.
3 What you are not allowed to do
3.1 Except to the extent expressly set out in these
terms, you are not allowed to make any copies of any part of the
3.2 You may not remove or change anything on the Site.
3.3 You may not include or create links to or from
the Site without our express written permission. If you wish to obtain
such permission, please contact email@example.com.
3.4 You are not allowed to remove or change any copyright,
trade mark or other intellectual property right notices contained
in the original material or from any material copied or printed off
from the Site.
3.5 You must not seek to introduce any computer virus
(including any variant or similar malicious code or instructions)
to the Hiscox systems, nor deliberately seek to prevent or hinder
the Site’s usual operations in any manner whatsoever.
4 Compliance with Laws
4.1 You must only use the Site and anything available
from the Site for lawful purposes, and you must comply with all applicable
laws, statutes and regulations.
4.2 This Site complies with all applicable English
laws and regulations.
4.3 This Site contains general information on Hiscox
and its products and services and this Site and its contents are
not intended to constitute investment or other advice (nor any solicitation
to participate in investment or other business) in any country in
4.4 Without prejudice to clauses 4.3 and 11, the Hiscox
products and services detailed in this Site are only offered publicly
through hiscoxonline.com and intermediaries as appropriate (and not
via this Site) in those jurisdictions where it is lawful to do so
and this Site is only directed at such jurisdictions. By using this
Site you agree that you will familiarise yourself with and adhere
to any restrictions that may exist in your jurisdiction in relation
to any products or services referred to in this Site.
5 Your personal information
5.1 Usage of your personal information is governed
In the event that Hiscox undergoes reorganisation or is sold to a
third party, any personal information Hiscox holds about you may
be transferred to that reorganised entity or third party, provided
6.1 All intellectual property rights in any material
(including text, photographs and other images and sound, trade marks
and logos) contained in this Site is either owned by Hiscox or has
been licensed to Hiscox by the rights' owner(s) so that Hiscox can
use this material as part of its Site. You are only allowed to use
this Site and the material contained in the Site as set out in these
7 Disclaimer and limitation of liability
7.1 Hiscox does not, and nothing in these terms and
conditions shall act to, exclude or limit Hiscox's liability for
death or personal injury resulting from its negligence, fraud or
any other liability which may not by applicable law be excluded or
limited. Your statutory rights as a consumer are not affected by
any of these terms.
7.2 You agree that your use of the Site is on an "as
is" and "as available" basis and that your use of the Site is at your sole risk. On that basis, except
as expressly set out in these terms, Hiscox does not enter into conditions,
warranties or other terms in relation to the Site (including any
implied term relating to quality or fitness for a particular purpose).
7.3 Subject to clause 7.1, in no event shall Hiscox
be liable (whether for breach of contract, negligence or for any
other reason) for any loss or damage which you may claim to have
suffered by reason of your accessing and use of the Site, including
(but not limited to) loss of profits, exemplary or special damages,
loss of sales, loss of revenue, loss of goodwill, loss of any software
or data, loss of bargain, loss of opportunity, loss of use of computer
equipment, software or data, loss of or waste of management or other
staff time, or for any indirect, consequential or special loss, however
7.4 Hiscox tries to make sure that all information
contained on the Site is correct, but it does not accept any liability
for any error or omission. You should check with Hiscox or the relevant
supplier before acting on any information on the Site. Hiscox is
not liable for any action you may take as a result of relying on
any information provided in this Site.
7.5 Hiscox may change the format and content of the
Site from time to time. You should refresh your browser each time
you visit the Site to ensure that you download the most up to date
version of the Site, including the latest version of these terms
7.6 The Site includes links to external sites and
co-branded pages. Hiscox has included links to these sites and co-branded
pages to provide you with access to information and services that
you may find useful or interesting. Also, you may have linked to
this Site from another web site. However, Hiscox is not responsible
for the content of any of these sites and pages or for anything provided
by them and accepts no liability for the content or for any loss
or damage caused or alleged to have been caused by the use of or
reliance on information contained in such sites or goods or services
purchased from them. If you decide to access any web site other than
the Site you do so entirely at your own risk..
7.7 Without prejudice to the generality of clause
(a) The list of suppliers in the section of the Site
headed “Approved Services” are provided to help you find services
and/or products which may be useful to you. However, you are solely
responsible for deciding whether any of these services and/or products
and/or suppliers are suitable for your purposes and Hiscox takes
no responsibility for the suppliers listed and/or their services
(b) The brokers listed in the section headed “Need
a Broker?” are provided to help you to access brokers. However, you
are solely responsible for deciding if such brokers or their services
are suitable for your purposes. Hiscox has no responsibility for
such brokers or their services.
7.8 Other Hiscox web sites (whether or not expressly
linked to from the Site) may contain terms and conditions that are
different from these terms and conditions. These terms and conditions
relate to this Site only. When visiting other Hiscox web sites (for
example, Hiscoxonline.com) please read the terms and conditions governing
the use of such web sites, which shall be binding upon you.
8 Suspension and termination of Service
8.1 Hiscox may suspend the operation of the Site at
any time, for example for repair or maintenance work or in order
to update or upgrade the contents or functionality of the Site from
time to time. Access to or use of the Site or any Sites or pages
linked to it will not necessarily be uninterrupted or error free.
8.2 Hiscox may terminate your access to the Site immediately
in the event you breach any of these terms and conditions.
8.3 Hiscox in any event reserves its right to withdraw
the Site from public access at any time, at its complete discretion.
9 Enquiries or complaints
9.1 If you have any enquiries or complaints then please
address them to:
Customer Services Manager
Telephone: +44 (0)20 7448 6000
1 Great St Helen's, London, EC3A 6HX
10 General and governing law
10.1 Hiscox may change these terms and conditions
from time to time and will endeavour to notify you of any major changes
by posting a message on the Site. However, by browsing the Site you
are accepting that you are bound by the current terms and conditions.
You should check these each time you revisit the Site. These terms
and conditions form the entire understanding of the parties and supersede
all previous agreements, understandings and representations relating
to the subject matter of their terms or your use of the Site. If
any provision of these terms and conditions is found to be unenforceable,
this shall not affect the validity of any other provision. Hiscox
may delay enforcing its rights under these terms and conditions without
losing them. You agree that Hiscox may sub-contract the performance
of any of its obligations or may assign these terms and conditions
or any of its rights or obligations without giving you notice. These
terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English
11 US Business
11.1 Hiscox’s ability to do business in the USA and
US territories is restricted because Hiscox is not a US based insurer.
Without prejudice to clause 4.3 above, the sections of the Site referring
to US business provide general information on Hiscox’s products and
services only and are not intended to and do not constitute a solicitation
of business from or in respect of the USA and US territories.
11.2 Enquiries as to insurance or other products or
services from US residents should be directed to an insurance agent
or broker licensed to conduct business in the relevant US state and,
without prejudice to the foregoing, anyone requiring further information
about an insurer’s ability to do business in the USA and US territories
should contact an appropriate insurance intermediary for advice.
12.1 All information or advice provided as part of
the “Risk Management” section of the Site is intended to be general
in nature and you should not rely on it in connection with any security
or other decision. Hiscox is not liable for any action you may take
as a result of relying on such information or advice or for any loss
or damage suffered by you as a result of you taking this action.
12.2 Hiscox makes no warranty of any kind, express
or implied, as to the operation of the “Investors” section of the
Site or the accuracy of the information included therein. Hiscox
shall not be liable for any alleged loss or damage which may result
from the use of such information and such information is not an invitation
to invest in the shares, or any other products or services or otherwise
deal in these or enter into a contract with Hiscox. The information
provided in the “Investors” section of the Site should not be relied
upon in connection with any investment decision. The past performance
of Hiscox cannot be relied upon as a guide to its future performance.
The price of shares and the income derived from them can go down
as well as up and investors may not recoup the amount originally
12.3 Whilst Hiscox will provide the “Contact Nearer
Renewal” reminder service referred to in the Site, that service is
not intended to replace your own responsibility to renew any policy
on time and check the renewal dates. Accordingly, you must ensure
that you take all steps needed to renew the policy on time and Hiscox
shall not be liable for any alleged loss or damage as a result of
a failure to do so.
13 Contracts (Rights of Third Parties Act) 1999
13.1 These terms and conditions are for the benefit
of the Hiscox Group (as defined above) and they may rely on them
and any and all members of the Hiscox Group may enforce the provisions
of this Terms and Conditions subject to and in accordance with the
provisions of the Terms and Conditions and the following conditions:
(i) the parties may rescind, vary or terminate these Terms and Condition
without the consent of any member of the Hiscox Group and (ii) the
rights granted to any member of the Hiscox Group under this clause
13 may not be assigned or transferred without the consent of Hiscox.
Except as expressly stated in this Clause 13, a person who is not
a party to these Terms and Conditions has no right (including without
limitation under the Contracts (Rights of Third Parties) Act 1999)
to enforce or rely on any term of these Terms and Conditions.