Insurance Services
for the theatre community

Terms and Conditions

Introduction is the website (“this website”) for Lloyd & Whyte Ltd.

The following Terms and Conditions constitute an agreement between you and us, when using this website you must observe these terms and conditions and if you do not accept these terms and conditions in full, you must leave this website immediately. We reserve the right to change these from time to time. You should also read our privacy policy which outlines how personal information you provide to us will be used.

Lloyd & Whyte Ltd

Lloyd & Whyte Ltd, registered address: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Registered in England no 3686765.

Lloyd & Whyte Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and our Register number is 306077. These details can be checked on the FCA‘s Register by visiting the FCA’s website or by contacting the FCA on 0800 1116768.

Our permitted business includes advising on and arranging general insurance transactions. You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0800 1116768. Please be aware that business mortgages, buy-to-let mortgages and loans for timeshare purchase are not regulated mortgage contracts.


All content of this website is protected by copyright, trade marks and other intellectual property rights which are owned by or licensed to Lloyd & Whyte Ltd. You may view this website and print hard copies of material from it for your personal, non-commercial use. Consent in writing must be obtained for copying material for any other use.

All rights in are owned by Lloyd & Whyte Ltd.

Whilst we endeavour to ensure that the information on this website is kept up to date, is accurate and complete we are unable to guarantee that, and no liability is accepted for any errors omissions or misdescriptions.

We reserve the right to modify, add or delete any information or links contained in this website at any time and without notice.

Product Terms and Conditions

The content of this website does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you and will be subject to the terms and conditions of that product or service that we may accept or reject. After you make a request through this website to purchase the product or service then assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.

The information and descriptions on this website do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you.

If you apply for any product or service detailed on this website, these conditions of use should be read in conjunction with any other terms and conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product of service terms and conditions, the latter shall prevail.

Nothing in this website constitutes or purports to constitute professional advice, or a recommendation to buy certain products. You should satisfy yourself that you wish to purchase any of the products described before offering to buy them, and you may wish to take your own independent financial advice as to which product best suits your needs.

You must ensure that the details you give to us while using this website are correct and that there are sufficient funds to cover the cost of the product or service.

External Links

Links to third party websites are provided solely for your convenience. When you activate these links you will leave this website. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so entirely at your own risk.


We will do our best to correct errors and omissions as soon as we can. Nevertheless on occasion there may be mistakes in the price or type of product shown. In the event that such error in price, product or service is shown then we reserve the right to cancel that contract, but this of course will be without any liability to you and a refund will be offered.

The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation.

Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000, or any conduct of business rules that we are bound to comply with.

While we have taken all reasonable steps to ensure the accuracy and completeness of the content of this website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that this website or (including without limitation) all or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.

We do not monitor, verify or endorse information submitted by us or third party providers for inclusion on this website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify, or endorse the information or quotations collected from the applicable law, we disclaim all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on this website.

We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if this website is unavailable, and we shall not be liable for any direct or indirect:

Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);

Loss of goodwill or reputation; or

Special, incidental, consequential loss or damage

suffered or incurred arising out of or in connection with your use of this website.

Access to and use of this website is at the user’s own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, Trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this website.

Complaints and Compensation

It is our intention to provide you with a high level of customer service at all times. However, if you are not completely satisfied with our service, then please contact us either in writing or by telephone, fax or at our e-mail address. Our contact details are as follows: The Complaints Officer, Lloyd & Whyte, Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Tel +44 (0) 1823 250700; E-Mail

We take all complaints seriously and we will acknowledge your complaint promptly.

If the matter cannot be resolved by contacting us, you may be entitled to refer it to the Financial Ombudsman Service whose address is: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of transaction and the circumstances of the claim. Compulsory classes of insurance are covered for 100% of the claim, and most other types of insurance transactions are covered for 90% of the claim, without any upper limit. Most types of investment and mortgage business are covered up to a maximum limit of £50,000. Further information about compensation arrangements is available from the Financial Services Compensation Scheme. (Customer Services – 020 7892 7300). In addition to the scheme we are also insured for negligence, by any member of staff.

Force Majeure

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


If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and Law

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here shall be subject to the exclusive jurisdiction of the English courts.

Last Updated: 15/01/14