Insurance made easy

Guildhall Insurance Brokers
0845 260 5555

Terms & Conditions



“Guildhall Insurance” is a trade mark and is the insurance internet trading website of Guildhall Brokers & Consultants Limited which is authorised and regulated by the Financial Conduct Authority (FCA)


In these Terms and Conditions unless the context otherwise requires:


"Guildhall" or "our" or "us" or "we" means Guildhall Brokers & Consultants Limited (a company registered in England and Wales with registered number 748577) whose registered office is at Unit 6 Orchard Mews, 42 Orchard Road, Highgate, N6 5TR "assured" means the assured under a contract of insurance "authorised transactions" are transactions or communications which are either in fact conducted and authorized by you or by an authorised third party on your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions "contract of insurance" means a concluded contract of insurance obtained through your use of this Site "site" means this Guildhall Insurance internet site together with any other sites linked to it "terms and conditions" means these Terms and Conditions "you" and "your" means the registered user of the site and where the context so requires, includes any party on behalf of whom you use this site. Your access to and use of this site is governed by the provisions of these terms and conditions. By using this site, you agree to these terms and conditions including (without limitation) those terms relating to the use of your personal data in accordance with the terms in the section headed "Privacy Policy". We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the time of your access.


Accordingly you should check these terms and conditions every time you access the site.




We control and operate the site from England and the information delivered via the site is deemed to have been delivered in England. Guildhall makes no representation that the material contained in the site is appropriate for use outside the United Kingdom, and Guildhall is not soliciting any business from any person (whether acting as agent, broker or principal) located outside the United Kingdom. This site is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its publication or availability is prohibited. Persons to whom such restrictions apply must not access this site. You shall be solely responsible for any legal proceedings or other consequence which may arise from you choosing to access this site from outside the United Kingdom. This site and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.


All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.




If you have any reason to complain about any of our products or services, let us know straight away by contacting our Complaints Officer (see Support “Contact us”). We will explain our complaints procedure and investigate your complaint straight away.




You warrant to Guildhall that you have the assured’s full authority to use this site, request cover for the assured and enter into a contract of insurance in the assured’s name. You agree to indemnify and keep Guildhall indemnified from and against all liabilities costs claims and demands arising from or in respect of any breach of such warranty. You have been granted a unique “Username” and “Password”. You must keep the Username and Password secret. You must use all reasonable endeavours to prevent unauthorised or fraudulent use of the Username and Password. You must tell us as soon as possible by contacting us (see Support “Contact us”) if you know or suspect that an unauthorised person is aware of the Username or Password. Until you contact us accordingly, we will be entitled to assume that all transactions effected via your Username and Password are authorised transactions and we shall be entitled to act upon these without further investigation. We will not be liable to you for acting on or processing such transactions or communications, or otherwise treating such transactions or communications as authorised transactions. You will indemnify us for any loss we suffer as a result of misuse of your Username and Password, where such misuse results from your failure to use reasonable endeavours to prevent unauthorised or fraudulent use. You will not post any material to the Guildhall or other linked websites site which is obscene, defamatory, threatening, or otherwise actionable at law or which would constitute a criminal offence. You will indemnify us against any loss we may suffer by reason of any breach by you of this obligation. We may terminate your use of the Guildhall Insurance or other linked websites immediately if we feel that Guildhall's website has been, is being, or is about to be, misused in breach of these Terms and Conditions.





We will try to keep the information on Guildhall Insurance as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the site, and any such warranty or representation is excluded to the fullest extent permitted by law. While the site is scanned for viruses, the success of this is not guaranteed. No warranty is given as to the freedom of the site from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to your or anyone else’s computer systems, and you should carry out your own checks. Notwithstanding the generality of the foregoing, you as proposer or as agent for the assured should carefully review the contents of any certificate, attached schedule, endorsements and proposal form originated via Guildhall Insurance or any linked website. Any contract of insurance effected through Guildhall Insurance or any linked website will be subject to the terms and conditions shown on the relevant certificate. It is your responsibility (as agent for the Assured) and that of the Assured to carefully check the relevant certificate conditions. If any information set out in any of these items is incorrect, you must notify us immediately (see Support “Contact us”). Failure to do so may invalidate all or part of the insurance cover provided. You agree to indemnify and keep Guildhall and the operators of any linked websites indemnified from and against all liabilities costs claims and demands arising from or in respect of your failure to check such items or to notify us of any inaccuracies. If you are in any doubt as to whether certain facts are relevant or not, please call us (see Support “Contact us”). Where there is any conflict between the provisions of these terms and conditions and those of any such items, the provisions of the relevant item shall prevail.


We accept no liability in contract, tort or otherwise including negligence for:

  1. inability to gain access to the site as a result of routine or emergency maintenance on the system or excessive demand for the site;
  2. loss of data including both data transmitted and other data held by you;
  3. delay or failure in transmitting or receiving material.




All material contained on "Guildhall Insurance" is proprietary to Guildhall Brokers & Consultants Limited, or its third party licensors. All intellectual property rights in "Guildhall Insurance" are reserved to Guildhall Brokers & Consultants Limited or its third party licensors. Guildhall grants you a limited licence to access any part of the site you are authorised to access; and print off pages from "Guildhall Insurance" insofar as is necessary to obtain quotes, effect a contract of insurance (including printing a full copy of the relevant policy), or utilise the other functions made available to you by "Guildhall Insurance".


You may not:

  1. Copy, tamper or alter, distribute or use any material or design contained within "Guildhall Insurance" except as is expressly permitted by these Terms and Conditions or with our prior written consent.
  2. Re-use any content of "Guildhall Insurance" or any other linked website for any other purpose whatsoever.

Any data generated by "Guildhall Insurance" or any other linked website, including any data relating to assureds and the certificates of insurance effected via "Guildhall Insurance", shall belong to us.




We do not accept any responsibility for the contacts of any third party website that may be linked to "Guildhall Insurance" by way of hypertext link or other means of reference. You may not link "Guildhall Insurance" to another site without our prior written consent. If you would like to create such a link, please contact us (see Contact us).




Guildhall Insurance takes security very seriously and uses a security system which we believe to be one of the strongest available to protect your communications with us. Whenever you fill in a form, such as a request for a quote, it is automatically protected using software called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:

1. It prevents impersonation you can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by a third party.

2. It encrypts data as soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.

3. It prevents scrambling SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you. The Internet cannot be guaranteed as being secure and accordingly we do not offer any warranties or assurances in this respect. Similarly, whilst we may communicate with you via e-mail or via the Guildhall Insurance website itself, we cannot accept any liability for the security or transmission of such e-mail or internet-based communications.




You may cancel a contract of insurance effected through the Guildhall Insurance website provided you have not made a claim under such contract of insurance and we receive written confirmation of cancellation (by fax or email see Support “Contact us”) within 14 days of the issued date shown on the relevant certificate. If you are able to and do cancel within such 14 day period we will refund all your payments.