Please read these terms and conditions carefully before using the site
These terms tell you the rules for using our website https://www.markeluk.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 Direct is a site operated by Markel (UK) Limited, registered under company number 02430992 with its registered office at 20 Fenchurch Street, London, EC3M 3AZ (“We” / “Markel Direct”). We are an appointed representative of Markel International Insurance Company Limited. Markel (UK) Limited only places insurance policies with Markel International Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Markel Corporation is the ultimate holding company for Markel (UK) Limited.
Other Markel websites may contain terms and conditions which are different from these terms and conditions. When navigating these 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 websites.
To contact us, please email email@example.com or telephone our customer service line on 0800 640 6600.
Other terms that may apply to you
- Our Cookies Statement, which sets out information about the cookies on our site.
- Our Acceptable Use Policy – located further down this page, this sets out the permitted and prohibited uses of our site. When using our site, you must comply with this Acceptable Use Policy.
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.
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.
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.
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.
This website contains trademarks, including the Markel Direct name and logo. All trademarks on this website belong to Markel Direct or have been licensed to Markel Direct 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
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
Write to: The Compliance Officer
20 Fenchurch Street
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
Telephone: +44 (0)300 123 9 123