Terms and Conditions
Important legal information
This website is operated by Ancile Insurance Group Limited (‘Ancile Insurance’) (company registration number 05429313) whose registered office is situated at Kao Hockham Building, Edinburgh Way, Harlow, Essex CM20 2NQ on behalf of Topnotchcover.com.
“product or service provider” means the provider of any service or product that is available on our website.
“website” means any mobile applications or similar devices, channels or applications operated by or on behalf of Ancile Insurance.
“you” and “your” means the person who accesses and uses our website.
TopNotchCover.com is an appointed representative of Ashbourne Insurance Services (Hoddesdon) Ltd. who are authorized and regulated by the Financial Conduct Authority - no. 303893.
TopNotchCover.com provides great value travel insurance cover for UK residents.
Our website will ask you for important information that you will need to answer accurately to get a quote through our online system. The answers you give will determine the products or services available to you and amount you will pay. It is your responsibility to ensure that all information you enter onto our website is true, accurate and complete and that you will disclose any important information that will have an effect on any insurance estimate that we will provide. If you do not provide accurate information and disclose all important information this could lead to your selected product being invalid and claims may not be paid. We cannot be held responsible if your selected product is invalid as a result of your error in providing correct information, or from a failure to disclose all important information to us or your selected provider.
You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.
It is important that once you have purchased the necessary travel insurance that you read all documents issued to you relating to this and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.
Exclusions and limitations
Whilst we have worked diligently to provide accurate and complete information, in no event we will be liable (whether in contract or tort, including negligence or breach of statutory duty or otherwise) for any losses sustained and arising out of or in connection with use of this web site including, without limitation, indirect or consequential losses, loss of profit, loss of data or special loss.
We do not warrant that the functions or materials accessible from or contained in this web site will be uninterrupted or error free, that defects will be corrected or that this web site or the server that makes it available are virus or bug free or represent the full functionality, accuracy or reliability of the materials. Furthermore, we declare and you accept that we cannot be held responsible for any acts, errors or omissions contained within this site.
The use of this website excludes all liability for any losses which arise in connection with an event or series of events which is/are outside or our reasonable control.
The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer that cannot be excluded or limited are affected.
Security and privacy
We at Ancile Insurance take the security and privacy of our systems and our customers' data very seriously. We constantly review our systems and data to ensure the best possible service is provided to our customers.
Website Content and accuracy of information
We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. Ancile Insurance may make changes to the contents of this website, including to the descriptions and prices of goods and services advertised, at any time and without notice. Personalisation of the site based on user activity and preferences may change the appearance and contents of this website at any time.
Some information on this website is taken from sources external to TopNotchCover.com or is of a type that changes frequently. In particular, you should confirm offline the accuracy and currency of information about prices, compensation limits and conditions outside the United Kingdom before relying on it.
We are not responsible for any commentary, opinions, ratings or other postings on our website by any third party.
Links to this website
You may not create a link to any page of this website without Ancile Insurance’s prior written consent. If you do create a link to a page of this website you do so at your own risk, and the exclusions and limitations set out above will apply to your use of this website by linking to it.
Third party links
You can link to other websites by means of hyperlinks published on this website or emailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites, as this is outside our control.
Content and IP Rights
All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel”, material of this Web Site and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to TopNotchCover.com or Ashbourne Insurance Services (Hoddesdon) Ltd., and is protected by trade dress, copyright, patent and trademark laws, and other intellectual property rights and unfair competition laws.
The trademarks, logos, trade names and service marks, whether registered or unregistered (collectively the "Trademarks") displayed on the TopNotchCover.com Web Site are Trademarks of controlled or licence by or to TopNotchCover.com or Ashbourne Insurance Services (Hoddesdon) Ltd. Nothing contained on the TopNotchCover.com site should be construed as granting by implication or otherwise, any licence or right to use any Trademark displayed on the TopNotchCover.com site without the written permission of TopNotchCover.com or Ashbourne Insurance Services (Hoddesdon) Ltd. or such third party that may own the Trademark. Any unauthorised commercial use of these materials will violate TopNotchCover.com or Ashbourne Insurance Services’ intellectual property rights and will be subject to TopNotchCover.com or Ashbourne Insurance Services’ full legal rights and remedies.
All rights of TopNotchCover.com or Ashbourne Insurance Services (Hoddesdon) Ltd. in such intellectual property rights are hereby reserved.
Nothing on this website constitutes an offer by Ancile Insurance to sell any goods or services. Subject to the customer terms and conditions of the relevant service, no contract will be formed until your order or application has been acknowledged and accepted by Ancile Insurance.
Cancellation of registration
Although Ancile Insurance uses reasonable endeavours to ensure that any software made available by it on this website is suitable for downloading, installation and use by third parties, all such software is provided ‘as is’ without any warranty. Specifically, and without limitation, Ancile Insurance does not warrant that any such software is virus free, without defects, compatible with other software or operating systems or suitable for any specific purpose. Ancile Insurance accepts no liability for any loss or damage caused by the downloading, installation or use of any such software, and the general exclusions and limitations above apply to such downloading, installation or use
Your use of this website
You are responsible for all electronic communications and content sent from your computer and you may use this website for lawful purposes only. You must not use this website in any way that causes, or is likely to cause, the website or access to it to be damaged or interrupted in any way.
You must not use this website for any of the following:
(a) for fraudulent purposes or in connection with a criminal offence;
(b) disseminating any unlawful, harassing, libellous, defamatory, racially offensive, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material;
(c) transmitting material containing any form of advertising or promotion for goods and services; or
(d) making, transmitting or storing electronic copies of materials protected by copyright without the permission of the owner.
Ancile Insurance Group Limited is registered in England and Wales. Registered number: 05429313