Conditions of Use

By using this website you agree to the following terms and conditions. Please read them carefully. If you do not agree to these Conditions of Use then please refrain from accessing or using this website.

In these Conditions of Use ‘our’, ‘we’, ‘us’ means the following companies together: Able Insurance Services Limited; Admiral Group plc; and any named preferred supplier.

About us

Veygo is a trading name of Able Insurance Services Limited, an Admiral Group plc company. Our offices are located at Floor 4, No. 3, Capital Quarter, Cardiff, CF10 4BZ (Company Number 02890075).

Able Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Ref No: 311649). Able Insurance Services Limited is entered in the Financial Services Register; this can be confirmed at www.fca.org.uk/register.

Policy underwriter

Able Insurance Services Limited arranges the sale of motor insurance policies on behalf of Admiral Insurance (Gibraltar) Ltd. The insurer underwriting your policy is described in detail on your Certificate of Motor Insurance.

The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. A copy of all our policy documentation is available online and on request.

Motor Insurers’ Bureau

Authorised insurers underwriting compulsory motor insurance are also obliged, by virtue of the Road Traffic Act 1988, to be a member of the Motor Insurers’ Bureau (MIB) and to contribute to its funding. The MIB was established in 1946 as a private company limited by guarantee for the purpose of entering into agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. For further information please visit http://www.mib.org.uk/.

Commercial use

This website is for non-commercial, personal use only unless contractually agreed with Able Insurance Services Limited.

You warrant that any application that you may make using this website in connection with obtaining a quotation for motor or home insurance is genuine and is only made for your own personal purposes of seeking to purchase a motor or home insurance policy. You agree to indemnify Able Insurance Services Limited in connection with any loss, damage, expense and cost (including legal costs on a full indemnity basis) suffered by Able Insurance Services Limited as a consequence of you being in breach of this warranty or otherwise misusing this website. You recognise that it is difficult for Able Insurance Services Limited to quantify the losses that it may suffer as a consequence of any breach or misuse by you and you agree that injunctive relief may be the appropriate remedy for Able Insurance Services Limited in such circumstances.

Residency requirement

The products and services described in this website are only available to UK residents insuring private cars within the territorial limits of England, Scotland and Wales. By asking for a quote, you confirm that you and any joint policyholders on the policy are UK residents and that you will immediately notify us if you, your additional drivers or joint policyholders stop being a permanent UK resident.

Legal exclusions and limitation of liability

We take care to ensure that the information contained in this website is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this website, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this website or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future financial services legislation.

We reserve the right, at any time and without notice, to revise the contents of this website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this website and by continuing to use this website following any such change, you will signify that you agree to be bound by the revised Conditions of Use.

We can give no warranty that this website and its content are free from viruses or anything else that has contaminating or destructive properties.

Whilst we take all reasonable steps to ensure this website is available at all times we shall not accept any liability for any losses incurred as a result of our website being unavailable for any reason, at any time or for any period. We have the right to suspend access to the website and any services provided by us at any time and for any period. It may be necessary from time to time for us to suspend access to the website for routine maintenance or updates.

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us.

Data Protection and Privacy

Any personal information you supply to us via this website will be dealt with in accordance with our Privacy Statement which can be found at “Privacy and Security“.

This Website utilises various cookies, we refer you to our Cookie Policy for additional information.

Our Privacy Statement and Cookie Policy form part of these Conditions of Use. Please read these carefully as they set out our obligations and your rights in relation to your personal data.

Corporate information for the Able Insurance Services Limited

The following company is registered in England and Wales with a registered address of Floor 4, No. 3, Capital Quarter, Cardiff, CF10 4BZ: •

• Able Insurance Services Limited (Reg. No. 02890075)

The following company is registered in Gibraltar with a registered address as 1st Floor, 24 College Road, PO Box 575, Gibraltar GX11 3AA:

• Admiral Insurance (Gibraltar) Limited (Reg. No. 85455)

The subsidiaries listed above may or may not offer products or services on this website.

Governing law

The content of this website and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the insurance contract written through Able Insurance Services Limited shall be subject to the laws of England and Wales and the courts of England and Wales shall have the exclusive jurisdiction.

If any of these provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

Events beyond our reasonable control

We shall not be liable to you for any breach of these Conditions of Use or any failure to provide, or any delay in providing, our services through our website that results from any event or circumstance beyond our reasonable control. This includes without limitation, strikes, lockouts and other industrial disputes, breakdown of systems or network access, fire, explosion, accident, insurrection and war.

Trade Marks and ownership of the website

“Veygo” together with its logos are registered trade marks owned by us. Unless otherwise agreed in writing nothing on this website shall be deemed to confer any licence or right on any person to use such trade mark and any such use shall constitute an infringement of our rights.

We are the owner of all copyright, design right and database rights and all other intellectual property in the content of this website or have been licensed the right to use and exploit such rights (including but not limited to the text, graphics, design, arrangements and sounds). The content of this website or any part of it may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without prior written consent of Able Insurance Services Limited.

Permission is granted to copy electronically and to print in hard copy portions of this website, solely for the purpose of using the website to seek a quote or buy products and services. Any other use of the content on this website (including reproduction for purposes other than those noted above, alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

Links to other websites

In this website certain links, including hypertext links, will lead you to websites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the website to which a particular link leads. We accept no responsibility or liability for the content of other websites. If you are redirected to another website via our website, you will need to contact that organisation separately to remove your details from their records. No one may link into this website without our prior written consent.

January 2021