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Terms of business

1.  J Bennett & Son (Insurance Brokers) Ltd.

J Bennett & Son (Insurance Brokers) Ltd (We/us) act independently on behalf of our clients as an intermediary and not for any particular insurer.  The Service that we offer is advice on, and the arrangement of, general insurance.

2.  Product Selection.

We normally select from a range of insurers, however, although we are not contractually obliged to do so, we normally arrange insurance for Hot Air Balloons through our scheme with MSF Pritchard Syndicate 318 @ Lloyds.    We will always explain our choice of insurer and whenever we use a specific scheme with a dedicated underwriter, we will advise you.

3.  Customer Duty to Give Information.

It is your responsibility to provide complete and accurate information at all times.  Please note that if you fail to disclose any material information requested by us or your insurers this could invalidate your insurance cover and claims may not be paid.  If you are in any doubt as to whether information is relevant you should ask us.

4.  Confidentiality.

All personal information about you will be treated as private and confidential and will only be used in accordance with the Data Protection Act 1998.  We may from time to time provide you with information about additional products and services that we feel may be of benefit to you.  You have the right to see any personal information about you that we hold in our records.

5.  What will you have to pay us for our services?

We normally receive a commission payment from the insurer we select, which can vary by policy type and insurer.  In addition we may also receive profit commission and or bonuses from insurers, based on account performance.  We will disclose details of any amounts we receive, in connection with arranging insurance for you, on request.  In addition to, or instead of, commission we charge fees, which will always be clearly shown, and agreed, prior to cover being placed. We reserve the right to deduct the commission reclaimed for mid-term adjustments and cancellations, from any refunds.

6.  Payment.

Payment is due at the time cover is arranged and may be by cash, cheque, debit card, credit card (subject to a 2% fee) or BACS.  We may also be able to arrange instalment payment through the insurer or a third party premium finance provider.  Client money is held in a non-statutory trust bank account, for your protection, pending settlement of premiums to insurers.  Any interest generated on this account will be retained by us.   If you are unhappy with this arrangement, please contact us.  We are the agent of insurers for the purpose of collection of premiums, and will bank money in line with their instructions.  In arranging your insurance we may employ the services of other intermediaries regulated by the FCA and your premium may be passed to these intermediaries for payment to insurers.

7.  Credit Checking.

To assist in evaluation of clients many insurers conduct credit checks, and we may also do this, because a good credit rating can reduce your premium, and any finance costs. By dealing with us you agree to us carrying out these checks from time to time.

8.  Limitation of Liability

Our liability for any losses suffered by you as arising directly from any negligent performance of our services shall be limited to £5,000,000 any one claim. We will not be liable to you for any pure economic loss, loss of profit or loss of business, whether direct, indirect or consequential, which arises out of our services or this agreement.

9.  Who regulates us?

We are authorised and regulated by the Financial Conduct Authority, and our registration number is 305756.  You can check this on the FCA Register at www.fca.org.uk/register or by contacting the FCA on 08001116768.  Our permitted business is advising upon, arranging, transacting and administering non-investment insurance contracts.

10.  Complaints about our service.

If you have a complaint, please contact us without delay by telephoning to Robert Newton on 01494 455808. If you would prefer to write please send details to him at J Bennett & Son (Insurance Brokers) Ltd, 9 North's Estate, Old Oxford Road, Piddington, High Wycombe, Bucks HP14 3BE or email rnewton@jbennett.co.uk, or fax 01494 465734.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

11.  Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS.  You may be entitled to compensation from the scheme if we cannot meet our obligations.  This depends on the type of business and the circumstances of the claim.  Insurance advising and arranging is covered for 90% of the claim, without any upper limit other than for compulsory classes of insurance where cover is for 100% of the claim without any upper limit.  Further information is available at www.fscs.org.uk .

12.  The Law.

English Law is applicable.

13.  Termination.

Either party may terminate the agreement for J Bennett & Son (Insurance Brokers) Ltd to act subject to 14 days written notice, or non-renewal of a policy. Any post termination work we are asked to undertake will be charged at £250.00 per hour or part thereof.

Revised 9th January 2014      R T Newton

Terms of use

Agreement between user and J Bennett & Son (Insurance Brokers) Ltd.

The J Bennett & Son (Insurance Brokers) Ltd Web Site is comprised of various Web pages operated by J Bennett & Son (Insurance Brokers) Ltd.

The J Bennett & Son (Insurance Brokers) Ltd Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the J Bennett & Son (Insurance Brokers) Ltd Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification of these terms of use.

J Bennett & Son (Insurance Brokers) Ltd reserves the right to change the terms, conditions, and notices under which the J Bennett & Son (Insurance Brokers) Ltd Web Site is offered, including but not limited to the charges associated with the use of the J Bennett & Son (Insurance Brokers) Ltd Web Site.

Links to third party sites.

The J Bennett & Son (Insurance Brokers) Ltd Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of J Bennett & Son (Insurance Brokers) Ltd and J Bennett & Son (Insurance Brokers) Ltd is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. J Bennett & Son (Insurance Brokers) Ltd is not responsible for webcasting or any other form of transmission received from any Linked Site. J Bennett & Son (Insurance Brokers) Ltd is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement J Bennett & Son (Insurance Brokers) Ltd of the site or any association with its operators.

No unlawful or prohibited use.

J Bennett & Son As a condition of your use of the J Bennett & Son (Insurance Brokers) Ltd Web Site, you warrant to J Bennett & Son (Insurance Brokers) Ltd that you will not use the J Bennett & Son (Insurance Brokers) Ltd Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the J Bennett & Son (Insurance Brokers) Ltd Web Site in any manner which could damage, disable, overburden, or impair the J Bennett & Son (Insurance Brokers) Ltd Web Site or interfere with any other party's use and enjoyment of the J Bennett & Son (Insurance Brokers) Ltd Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the J Bennett & Son (Insurance Brokers) Ltd Web Sites.

Use of communication services.

The J Bennett & Son (Insurance Brokers) Ltd Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.

J Bennett & Son (Insurance Brokers) Ltd has no obligation to monitor the Communication Services. However, J Bennett & Son (Insurance Brokers) Ltd reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. J Bennett & Son (Insurance Brokers) Ltd reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

J Bennett & Son (Insurance Brokers) Ltd reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in J Bennett & Son (Insurance Brokers) Ltd's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. J Bennett & Son (Insurance Brokers) Ltd does not control or endorse the content, messages or information found in any Communication Service and, therefore, J Bennett & Son (Insurance Brokers) Ltd specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized J Bennett & Son (Insurance Brokers) Ltd spokespersons, and their views do not necessarily reflect those of J Bennett & Son (Insurance Brokers) Ltd.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Materials provided to J Bennett & Son (Insurance Brokers) Ltd or posted at any J Bennett & Son (Insurance Brokers) Ltd website.

J Bennett & Son (Insurance Brokers) Ltd does not claim ownership of the materials you provide to J Bennett & Son (Insurance Brokers) Ltd (including feedback and suggestions) or post, upload, input or submit to any J Bennett & Son (Insurance Brokers) Ltd Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting J Bennett & Son (Insurance Brokers) Ltd, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. J Bennett & Son (Insurance Brokers) Ltd is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in J Bennett & Son (Insurance Brokers) Ltd's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Liability disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. J Bennett & Son (Insurance Brokers) Ltd AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

J Bennett & Son (Insurance Brokers) Ltd AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. J Bennett & Son (Insurance Brokers) Ltd AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL J Bennett & Son (Insurance Brokers) Ltd AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE, WITH THE DELAY OR INABILITY TO USE THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF J Bennett & Son (Insurance Brokers) Ltd OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE J Bennett & Son (Insurance Brokers) Ltd WEB SITE.

SERVICE CONTACT : psutcliffe@jbennett.co.uk

Termination/access restriction

J Bennett & Son (Insurance Brokers) Ltd reserves the right, in its sole discretion, to terminate your access to the J Bennett & Son (Insurance Brokers) Ltd Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the J Bennett & Son (Insurance Brokers) Ltd Web Site. Use of the J Bennett & Son (Insurance Brokers) Ltd Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and J Bennett & Son (Insurance Brokers) Ltd as a result of this agreement or use of the J Bennett & Son (Insurance Brokers) Ltd Web Site. J Bennett & Son (Insurance Brokers) Ltd's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of J Bennett & Son (Insurance Brokers) Ltd's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the J Bennett & Son (Insurance Brokers) Ltd Web Site or information provided to or gathered by J Bennett & Son (Insurance Brokers) Ltd with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and J Bennett & Son (Insurance Brokers) Ltd with respect to the J Bennett & Son (Insurance Brokers) Ltd Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and J Bennett & Son (Insurance Brokers) Ltd with respect to the J Bennett & Son (Insurance Brokers) Ltd Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

Copyright and trademark notices

All contents of the J Bennett & Son (Insurance Brokers) Ltd Web Site are: Copyright 2012 J Bennett & Son and/or its suppliers. All rights reserved.

Trademarks

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

Notices and procedure for making claims of copyright infringement.

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement

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