Terms and Conditions
Use of the website
The terms and conditions detailed below apply to all users of www.xbroker.com. By using this site you agree to be bound by all the terms and conditions detailed below, and your use of the website will constitute acceptance of the stated terms and conditions.
Moorhouse Xbroker is a trading name of Moorhouse Group Ltd who are authorised and regulated by the Financial Services Authority. Our FSA Registration Number is 308035.
Moorhouse Group Ltd reserve the right, at any time and without prior notice, to remove or cease to supply any product or service contained on this website. In the event that such removal takes place then Moorhouse Group Ltd shall not be liable to you in any way whatsoever.
Content & Product Information
The product information on the site is for information purposes only. The information and descriptions are not full explanations of all terms, conditions and exclusions applicable. The products and their terms are subject to the insurers’ full policy wordings, and any other products and services provided are subject to their specific terms and conditions as documented throughout the site.
If you are in any doubt as to the validity of information available to you on this site it may be in your best interests to seek clarification by contacting us.
Prices and details of products and services (and any offers) posted online are subject to change without notice. All products and services are subject to availability and Moorhouse Group Ltd give no guarantee in this regard.
The products and services detailed on this site are only available to residents and risks based in England, Wales, Scotland, Channel Islands and the Isle of Man. Applications from non-UK residents will not be accepted.
Which service will we provide you with?
As the selling broker you are responsible for the advice that you give to your client and any product or service that is chosen on their behalf. The Moorhouse Xbroker system will ask a set of questions and will automatically generate a quotation based on the information you supply, you will not receive advice or a recommendation from us, as the selling broker you will then need to make your own choice about how to proceed and which product to choose considering your clients current demands and needs.
The quotation that is generated will be valid for 30 days. After this time we will not be able to guarantee the premium that was quoted and a new quote must be obtained.
Your duty to disclose information
It is your responsibility to provide complete and accurate information in all communication with us regarding the insurance cover. Before the contract is concluded you must disclose to us any fact or circumstance, which is known to you (or which ought to be known to you) which is material to the risk. A fact or circumstance is material if it would influence the judgment when deciding the premium or determining whether the insurance company should take the risk. Should you not act with the utmost good faith or fail to disclose any material fact or circumstance to insurers, insurers may void the contract or reject a claim. Your duty of disclosure to us does not end when the cover commences but applies through the life of the cover and when the policy is renewed.
Moorhouse Group Ltd has taken every care in the preparation of the contents of this website, however, this website, the information and materials on the website, and the software made available on the website, are provided "as is" without any representation or endorsement being made and without any warranty of any kind, whether express or implied, including but not limited to, any implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, all such terms and warranties are hereby excluded. In no event will Moorhouse Group Ltd be liable for any losses sustained and arising out of or in connection with use of this website including, without limitation, loss of profits, loss of data or loss of goodwill (in all these cases whether direct or indirect) nor any indirect, economic, consequential or special loss.
No data transmission over the Internet can be guaranteed as totally secure. Whilst we strive to protect such information, we do not warrant and cannot ensure the security of any information which you transmit to us. Accordingly, any information that you transmit to us is transmitted at your own risk.
Moorhouse Group Ltd does not represent that the information contained in this website is accurate, comprehensive, verified or complete, and shall accept no liability for the accuracy or completeness of the information contained in this website or for any reliance placed by any person on the information.
Moorhouse Group Ltd can give no warranty that the website will be uninterrupted or error free, or that defects will be corrected or that the website is free from viruses or other malevolent computer problems. You are responsible for ensuring you have relevant virus checking software on your computer. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.
Links to other websites
This website may contain hypertext links to websites operated by third parties. When you activate any of these links, you will leave our website, and Moorhouse Group Ltd has no control over and will accept no responsibility or liability in respect of the material on any such other website. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links.
What to do if you have a complaint
If you wish to register a complaint please contact us:
We will try and resolve your complaint within 24 hours, however if we are unable to do this then we will follow the company’s formal complaint procedure.
In writing to:
The Compliance Manager
2-3 Sir Alfred Owen Way
If you write to us please include your name, address, a contact telephone number, a policy or quote number, and details of why you are complaining.
Moorhouse Group Ltd shall not be liable for any breach in the terms and conditions of the site, in relation to failing to provide, or a delay in providing the services on the site due to any event or circumstance beyond our reasonable control.
Jurisdiction and Law
These terms and conditions shall be governed by and construed in accordance with the Laws of England and Wales. Disputes arising in relation to the same shall, unless otherwise expressly agreed, be subject to the exclusive jurisdiction of the courts of England and Wales.
Trademarks and Logos
The copyright material contained on this website and any trademarks and brands included in that material belong to Moorhouse Group Ltd or its licensors. You may download documents and copy content from the website as long as the material is not used for commercial purposes. Using the material for any purpose other than personal use is prohibited.
Log On Identification/Passwords
Use of our website will require you to maintain login identification and a password, which will be used to verify your identity and for our internal use in maintaining your account.
Security warning: You must keep this password safe and must not disclose it to anyone. You will need your password to retrieve your client’s personal information. Please inform us as soon as possible if you think that someone else knows your password or you think that someone else is trying to access your details. We do not accept any responsibility or liability if a third party obtains or guesses your password and uses it.
Cookies are small text files created by websites to identify users and to record which area of the website have been visited and for how long in order to track traffic flows and to additionally make our website easier for you to use. If you choose to, you can set your web browser to reject cookies. However, this may prevent your use of our service.
We reserve the right to issue a warning, suspend or terminate your rights to use the website if you:
• Breach the site terms and conditions
• Engage in fraudulent activities
• Violate the rights of a third party or another user
The headings in these terms and conditions are for convenience only and shall not affect their interpretation. If any of the provisions of these terms and conditions are held to be invalid or unenforceable in the whole or in part the validity of the other provisions of these terms and conditions and the remainder of the provision in question shall not be affected thereby. Moorhouse Group Ltd staff are not authorised to vary these terms and conditions but they may be varied by Moorhouse Group Ltd from time to time.
Changes to terms and conditions
Moorhouse Group Ltd reserve the right to change these terms and conditions at any time by posting changes on the website. It is your responsibility to review the website terms and conditions regularly to ensure you are aware of the latest terms and conditions.