What You Are Permitted to Do
Access is permitted to any part of the website for which access is open to any user.
If and only if you have a valid password, access is permitted to those parts of the website for which that password is required. Printing of pages is permitted so long as you print one copy only of any particular page and so long as you do not do anything forbidden in the following paragraph.
What You Are Not Permitted to Do
You are not permitted to copy (whether by printing off onto paper, storing on disk or in any other way), distribute (including distributing copies), alter or tamper with in any way or otherwise use any material contained in the website except as set out in the preceding paragraph.
You are not permitted to copy or use any material from the website for any commercial purpose at all.
You are not permitted to remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the website.
Disclaimer
The following terms and conditions, along with the relevant policy terms and conditions, apply to any purchase of any insurance product(s) available through this website.
You are solely responsible for deciding whether any of our products or services are suitable for your purposes. Please read the relevant policy terms and conditions carefully before buying any insurance policy. If you need any advice before buying any insurance policy please contact your usual independent financial adviser or insurance adviser.
This website includes links to external websites. It also includes email links to a number of suppliers of services and/or products. These links are provided in order to help you find relevant services and/or products which may be of interest to you quickly and easily. You are solely responsible for deciding whether any of these services and/or products are suitable for your purposes. Magian Underwriting is not responsible for the suppliers of these services and/or products or the goods or services they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these. Any general information or advice provided is intended for guidance only and you should not rely on it in connection with any security decision. Magian Underwriting 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.
Changes to Terms and Conditions and Disclaimer
From time to time Magian Underwriting may change the terms and conditions and disclaimer set out above. By using this website you are held to accept that you are bound by the current terms and conditions and disclaimer and so you should review these each time you visit the site.
Operation of and Changes to the Website
At any time, Magian Underwriting may change the format and content of this website (or of any insurance products or services offered via this website).
From time to time Magian Underwriting may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, in order to update the content or for any other reason.
At any time, Magian Underwriting reserves the right to terminate access to this website (and to products and services offered via the website) without notice.
Data Protection
All personal details provided to Magian Underwriting via this website will be used in accordance with our privacy policy. Please read the privacy policy carefully before proceeding. By providing your personal details to us you are held to consent to their use in accordance with our privacy policy.
Sales of Insurance Products
All information provided by you and statements made by you to Magian Underwriting are your responsibility. If you fail to disclose any relevant information or if you provide inaccurate information, this may invalidate your insurance policy.
If you submit a proposal for insurance via this website (including a proposal for an update of an existing insurance policy), that proposal will not be accepted (and you will not insured) until such time as you receive confirmation from Magian Underwriting that this is the case. This confirmation may be via the website or by email, telephone or post.
The decision as to whether to offer you insurance cover is at the discretion of Magian Underwriting, and we are not bound to do so. Until accepted by Magian Underwriting, orders are not binding upon Magian Underwriting.
Magian Underwriting reserves the right to cancel orders resulting from typographical errors and/or mathematical computation errors.
In assessing whether or not to offer insurance cover in response to proposals submitted via this website, Magian Underwriting will not refuse the proposal concerned solely on the basis of processing personal data by automatic means. If the effect of any automated decision making process is not to accept the proposal, then the proposal is referred to a non-automated decision making process conducted by Magian Underwriting or on Magian Underwriting's behalf.
The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Magian Underwriting through our website, for example where the level of cover requested falls below the minimum level of cover available through this website. However, this type of automatic refusal is not based solely on the processing by automatic means of personal data. It is based on the parameters set for the insurance products available through this website.
Once insurance has been effected by Magian Underwriting (including any insurance effected following an update of an existing policy), Magian Underwriting will provide you with prompt written confirmation that this is the case. Magian Underwriting will also advise you in writing of the relevant insurance premium and any fees or charges which are payable separately, as well as the purpose of any related services.
Magian Underwriting will also provide you with a hard copy of the policy schedule.
You should keep a copy of all information submitted to or received from us for your records.
Magian Underwriting will use its best endeavors to reply promptly to all correspondence. Such reply may be by email or in writing.
Complaints Procedure
If you have a question or complaint, please contact us at the address below. A copy of our complaints procedure is available on request. If you are not satisfied with the way your complaint has been dealt with you may be eligible to refer the complaint to the Financial Ombudsman Service.
The address is:
Financial Ombudsman Service,
South Quay Plaza
183 Marsh Wall
London E14 9SR
Telephone: 0845 080 1800.
If you contact them or Magian Underwriting, please quote the policy number shown in the schedule.
Jurisdiction
We only sell insurance to residents of the UK.
These terms and conditions are governed by and are to be interpreted in accordance with English law and in the event of any dispute arising in relation to these terms and conditions the English courts will have non-exclusive jurisdiction over such dispute.
Contacting Us
If at any time you would like to contact us with any enquiry relating to our privacy practices or your personal information, you can do so by any of the following means:
| By Post: | Magian Underwriting, |
| Caveat House, | |
| 14, Lovat Lane, | |
| London, EC3R 8DZ | |
| By email: | webmaster@magianunderwriting.co.uk |
| By telephone: | 020 7337 7166 |
| By fax: | 020 7337 7160 |