Terms of use

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

These terms tell you the rules for using our website http://www.markelinternational.com (our site).

By accessing any part of this site you will be deemed to have accepted these terms and conditions in full. Please read them carefully. If you do not agree with all these terms and conditions, stop using the site. You may wish to print a copy of these terms for future reference.

WHO WE ARE AND HOW TO CONTACT US

Markel International is a site operated by Markel Capital Holdings Limited, registered under company number 06722095 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ, on its own behalf and on behalf of its two subsidiaries, which are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority:
Markel International Insurance Company Limited, registered under company number 00966670 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ; and
Markel Syndicate Management Limited, registered under company number 03114590 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ

(”We” / “Markel International”).
Markel Corporation is the ultimate holding company for Markel International.

Other Markel International websites may contain terms and conditions which are different from these terms and conditions. When navigating the Markel International websites, please check the terms and conditions of each website you visit and do not assume that these terms and conditions apply to all Markel International websites.

To contact us, please email markel.enquiries@markelintl.com or telephone our customer service line on +44 (0)20 7953 6000.

OTHER TERMS THAT MAY APPLY TO YOU
These terms of use refer to the following additional terms, which also apply to your use of our site:

Our Privacy Policy – this sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you confirm that all data provided by you is accurate.

Our Cookies Statement, which sets out information about the cookies on our site.

Our Acceptable Use Policy – which sets out the permitted and prohibited uses of our site, is detailed below. When using our site, you must comply with this Acceptable Use Policy.

ALTERATIONS
We amend these terms from time to time. When revisiting our site, please check these terms to ensure you understand the terms that apply at that time.

We may update and change our site from time to time.

ACCESS TO OUR SITE
Our site is made available free of charge.

We try to ensure that whenever you need us, the site is accessible and fully working although we do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

CONTENT
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

Our site is directed to people residing in United Kingdom. We do not represent that content available on or through our site is appropriate for use or available in other locations.

LINKS TO OTHER SITES
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

LINKING TO OUR WEBSITE
You may link to our site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. You must not establish a link to our site in any website that is not owned by you.

We reserve the right to withdraw linking permission without notice.

OUR DESIGNS AND MATERIALS BELONG TO US (INTELLECTUAL PROPERTY RIGHTS)
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

USER-GENERATED CONTENT IS NOT APPROVED BY US
This website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

LIMITATION OF OUR LIABILITY
We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

use of, or inability to use, our site; or
use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

loss of profits, sales, business, or revenue;
business interruption;
loss of anticipated savings;
loss of business opportunity, goodwill or reputation; or
any indirect or consequential loss or damage.

VIRUSES
We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

TRADE MARKS
This website contains trademarks, including the Markel International name and logo. All trademarks on this website belong to Markel International or have been licensed to Markel International by the trademark owner(s) for use on this website. You are not allowed to copy or use any of these trademarks in any way except as set out above. If you wish to do anything else with any of the trademarks you must obtain the written permission of the trademark owner.

HOW WE MAY USE YOUR PERSONAL INFORMATION
We will only use your personal information as set out in our Privacy Policy. Please read this carefully before proceeding.

HOW WE HANDLE COMPLAINTS
If you have a question or complaint, you can contact us on the following details:

By telephone: +44 (0)20 7953 6020

Email: complaints@markelintl.com

Write to:

REFERRAL RIGHTS
If you were sold this product online or by other electronic means and within the European Union (EU) you may refer your complaint to the EU Online Dispute Resolution (ODR) platform. Upon receipt of your complaint the ODR will escalate your complaint to your local dispute resolution service – this process is free and conducted entirely online. You can access the ODR platform here.

Alternatively, should you remain dissatisfied with Lloyd's final response, you may, if eligible, refer your complaint to the Financial Ombudsman Service (FOS). The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services.

The FOS’s contact details are as follows:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Email: complaint.info@financial-ombudsman.org.uk
Telephone: +44 (0)300 123 9 123
Website: www.financial-ombudsman.org.uk

APPLICABLE LAW
If you’re a consumer, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. The courts of England and Wales will have non-exclusive jurisdiction over any disagreement we might have. Additionally, if you’re resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

ACCEPTABLE USE POLICY
This acceptable use policy sets out the content standards that apply when you upload content to our site, make contact with other users on our site, link to our site, or interact with our site in any other way.

Markel International is a site operated by Markel Capital Holdings Limited, registered under company number 06722095 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ, on its own behalf and on behalf of its two subsidiaries, which are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority:

Markel International Insurance Company Limited, registered under company number 00966670 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ; and
Markel Syndicate Management Limited, registered under company number 03114590 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ,

(”We” / “Markel International”).
The ultimate owner of Markel International is Markel Corporation.

To contact us, please email markel.enquiries@markelintl.com or telephone our customer service line on +44 (0)20 7953 6000.

PROHIBITED USES
We only consent to the lawful use of our site. This means you can’t use our site:

In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
For the purpose of harming or attempting to harm minors in any way.
To send, knowingly receive, upload, download, use or re-use any material which doesn’t comply with our content standards (see below).
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

You also agree:

Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our sites Terms of Use Privacy Policy
Not to access without authority, interfere with, damage or disrupt:

any part of our site;
any equipment or network on which our site is stored;
any software used in the provision of our site; or
any equipment or network or software owned or used by any third party.

INTERACTIVE SERVICES
We may from time to time provide interactive services on our site, including, without limitation, live chat and bulletin boards.

Where we do provide any interactive service, we’ll provide clear information to you about the kind of service offered.

We do our best to assess any possible risks for users from third parties when they use any interactive service provided on our site. We’re not under any obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards (see below), whether the service is moderated or not.

CONTENT STANDARDS
These content standards apply to any and all material which you contribute to our site (“contributions”), and to any interactive services associated with it.

We both agree that you’ll comply with the spirit and the letter of the following standards. These standards apply to the whole or any part of any content contribution you make.

So, this means that your contributions must:

be accurate (where they state facts)
be genuinely held (where they state opinions)
comply with applicable law in the UK and in any country from which they are posted.

It also means that your contributions must not:

contain any material which is defamatory of any person
contain any material which is obscene, offensive, hateful or inflammatory
promote sexually explicit material
promote violence
promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age
infringe any copyright, database right or trade mark of any other person
be likely to deceive any person
be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence
promote any illegal activity
be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety
be likely to harass, upset, embarrass, alarm or annoy any other person
be used to impersonate any person, or to misrepresent your identity or affiliation with any person
give the impression that they emanate from us, if this is not the case.advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

SUSPENSION AND TERMINATION
Where we detect a suspected breach of this policy by you, we’ll confirm in our discretion whether it is in fact a breach. If we conclude that you have breached the policy, we have the right to take whatever remedial or protective action that we reasonably consider to be appropriate.

Failure to comply with this acceptable use policy constitutes a material breach of our website terms of use which contains our consent to your lawful use our site. This breach may result in us taking all or any of the following actions:

immediate, temporary or permanent withdrawal of your right to use our site
immediate, temporary or permanent removal of any posting or material uploaded by you to our site
issue of a warning to you
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach
further legal action against you
disclosure of such information to law enforcement authorities as we reasonably feel is necessary

If we believe that we have to do any of the above, we exclude liability for any of those actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

CHANGES TO THE ACCEPTABLE USE POLICY
We may revise this acceptable use policy at any time by amending this page. Ideally, you should check this page from time to time as these changes will also be binding on you - although again, none of these changes should be worrying to you if you’re acting lawfully.

You should read this policy in conjunction with the other terms and policies referred to in it.