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The following terms and conditions apply to all users and viewers of this web site. By accessing or using this site, you agree to be bound by the terms and conditions of use outlined below. Please read this statement carefully before using this site. If you do not agree to these terms and conditions, exit this site now and do not use or access the site.
The information provided in this web site is intended to ensure your protection as well as that of Sagicor, its subsidiaries and affiliates. All rights in the information, including but not limited to concepts, layout, ideas, logos and graphics, published in this web site remain the exclusive property of Sagicor. Information in this site may not be copied, reproduced, distributed, transmitted or in any way disseminated without the prior written consent of Sagicor. Information in this site is provided for lawful purposes only and may be changed at any time without notice.
This site is provided and owned by:
Sagicor at Lloyd’s Limited, registered in England & Wales, Company Registration No.3043923, FSA Ref No. 204947, registered office: at 1 Great Tower Street, London, EC3R 5AA.
Sagicor makes no representation concerning the accuracy or completeness of information or materials available in this site or any sites linked to this site. Links to other web sites shall not be construed as an endorsement, express or implied, of their content or site owners. Similarly, links from other web sites to this site should not be considered an endorsement of any kind by Sagicor.
The information contained in this web site is provided "as is" for general reference only, without warranties of any kind and is not intended to constitute legal, financial or other professional advice or services. While Sagicor has made reasonable efforts to ensure it has been obtained from reliable sources and is correct, we cannot warrant or guarantee its quality, accuracy, timeliness, or suitability for any particular purpose.
Sagicor expressly excludes any representation or warranty (express or implied), and disclaims any liability whatsoever for negligence, to the fullest extent possible under applicable law. Under no circumstances shall Sagicor be liable for any damages whatsoever, including but not limited to special, indirect, incidental, consequential and punitive damages, or loss or injury arising out of the use of, or access to, or in connection with, the information available in this site or the transmission of any virus or other harmful component or any transmission failure. You agree to indemnify Sagicor and not to hold Sagicor liable for the result (foreseeable or unforeseeable) of any actions you may take based on the material contained in this site.
Whilst we have taken all reasonable steps to ensure that any information you provide will be kept secure from unauthorized access, the Internet is not a secure environment. We cannot guarantee that the information will be secure during transmission to our web-server.
Any information you download from this site is confidential and intended only for the addressee.
The following is our privacy statement and will be subject to amendment from time to time.
Personal information is information that identifies an individual personally.
Some personal information provided may be sensitive for example, physical health and the physical health of others who will be insured, motoring offences and other criminal convictions.
Personal information may be obtained by Sagicor directly from the person, from customer related transactions and from third parties via sources such as applications, transactions and consumer reporting agencies. Personal information may also be collected from our claims providers as well as with other insurance companies or suppliers to Sagicor.
All personal information supplied to Sagicor either directly or through a third party will be treated in accordance with the Data Protection Act 1998 as amended.
You have the right to ask for a copy of the personal information held about you. You also have the right to ask for inaccuracies in information to be corrected. A copy of the information held about you by Sagicor can be requested at info@sagicor.eu or by writing to Sagicor at Lloyds at 1 Great Tower Street, London, EC3R 5AA. A small fee may be charged.
You will need to write to the relevant third parties to obtain details regarding the information they may hold about you.
Sagicor takes all reasonable measures to maintain the confidentiality and integrity of all personal information and guard against its unauthorised use.
Email messages sent over the Internet cannot be totally guaranteed to be completely secure as they can be intercepted, lost or corrupted. You are advised not to send personal information by email.
Information may be disclosed to third parties including intermediaries, other insurance companies, reinsurers, regulators, and administrators to service and administer the business.
In addition information may be shared with other unaffiliated third parties that perform services on behalf of Sagicor, such as assistance companies, breakdown services, loss adjusters and legal protection services.
Information may also be disclosed as otherwise permitted or required by law.
The information on this website may be changed or updated without notice. Sagicor may make improvements and/or other changes in the products, services and/or programs described on this site at any time without notice.
Sagicor will not be responsible for any technical problems experienced with the use of this site.
To prevent and detect fraud:
- we may check your details with fraud prevention agencies
- if you provide false or inaccurate information and we suspect fraud, we will record this
- law enforcement agencies may access and use this information
- we and other organisations may access and use information from other countries recorded by fraud prevention agencies
- we and other organisations may use and search these records to:
- check details on applications for credit and credit related services or other facilities.
- manage credit and credit related accounts or facilities.
- recover debt.
- check details on proposals and claims for all types of insurance.
These terms and conditions are governed by and shall be interpreted in accordance with English law.
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Sagicor at Lloyd's Limited is authorised and regulated by the Financial Services
Authority (FSA Ref 204947) and is a member of the Financial Ombudsman Service
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Contact: 1 Great Tower Street, London, EC3R 5AA, Telephone Number: 020 3003 6800,
Fax Number: 020 3003 6998, E Mail: info@sagicor.eu
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