Terms and conditions

These Terms and Conditions of Use (together with the documents referred to in them) (“Terms of Use”) set out the terms on which you may make use of this website under the domain name www.lloydseurope.com (the “Website”), whether as a guest or a registered user.

The Terms of Use consist of general terms applicable to all sections of the Website and special terms that apply only to certain applications, as indicated. In addition, expressly designated legal notices, disclaimers or other terms may be located on particular pages of the Website. Any such notices, disclaimers and terms are ancillary to these Terms of Use.

Please read these Terms of Use carefully before you start to use the Website. By using the Website, you indicate that you accept these Terms of Use and that you agree to abide by them. If you do not agree to these Terms of Use, please refrain from using the Website.

General terms

1. Company information

1.1. The Website is operated by Lloyd’s Insurance Company SA, a public limited liability company (société anonyme / naamloze vennootschap) organised under the laws of Belgium, with registered office at 14th floor, Bastion Tower, Marsveldplein 5, 1050 Brussels, registered with the register of legal entities of Brussels and with VAT number BE 0682.594.839 (“Lloyd’s Europe”).

1.2. Lloyd’s Europe is an insurance and reinsurance company subject to the supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels and the Financial Services and Markets Authority (FSMA), Rue du Congrès 12-14, 1000 Brussels, with registered number 3094.

1.3. Lloyd’s Europe has a bank account opened with Citibank Europe plc, Belgium Branch, with registered office at Boulevard General Jacques 263 G, 1050 Brussels. The bank account number is BE46570135225536 – BIC is CITIBEBX.

1.4. Lloyd’s Europe can be contacted:

    1.4.1. by letter, addressed to Lloyd’s Insurance Company SA, Marketing, 14th floor, Bastion Tower, Marsveldplein 5, 1050 Brussels;

    1.4.2. by e-mail, to  LloydsEurope.Info@lloyds.com

    1.4.3. by phone call, to the number +32 (0)2 227 39 39.

2. Companies activities and insurance products

2.1. Lloyd’s Europe’ activities consist principally in the carrying of non-life insurance and reinsurance business in the classes: 1a, 1b, 2, 3, 4, 5, 6, 7, 8, 9, 10a, 10b, 11, 12, 13, 14, 15, 16, 17 and 18, including but not limited to underwriting insurance policies, marketing insurance services and generally to carry out the business of an insurance company in all its aspects in Belgium and abroad (subject to local regulatory restrictions).

2.2. Lloyd’s Europe has granted authority to a number of managing agents to underwrite insurance policies on behalf of Lloyd’s Europe and to provide certain other services, including claims handling and complaints handling. Lloyd’s Europe has also granted to a number of managing agents the authority to appoint coverholders to underwrite insurance policies on behalf of Lloyd’s Europe and to appoint claims handlers to handle claims on behalf of Lloyd’s Europe.

2.3. Managing agents are active in the Lloyd’s insurance market and are responsible for carrying on the business of insurance and related activities on behalf of members of the syndicates under their management, in accordance with an agency agreement prescribed by Lloyd’s.

2.4. Please contact your Lloyd’s broker to obtain information regarding the insurance products offered by managing agents and coverholders on behalf of Lloyd’s Europe, including information regarding (i) the list of insurance products and applicable pricing information, (ii) the applicable terms and conditions and governing law, (iii) segmentation information, (iv) the applicable after-sale warranties, and (v) the applicable professional liability insurances and / or warranties and their territorial scope. A list of Lloyd’s brokers is available here: Lloyd’s Brokers.

3. Accessing the Website

3.1. You will be able to access the Website without registering your details with Lloyd’s Europe, however, the Website may contain links to websites that are restricted to registered users, such as crystal.lloyds.com, and you must refer to that website and its terms and conditions of use to determine how and on what conditions you can access that website (including, if relevant, how to become a registered user).

4. Information about you and your visits to the website

4.1. Lloyd’s Europe processes information about you in accordance with the Website’s Privacy Notice (which can be accessed here: Lloyd’s Europe privacy notice and the Website’s Cookies Policy (which can be accessed here: Lloyd’s Europe cookies policy). By using the Website, you consent and warrant that all data provided by you is accurate.

5. Virus

5.1. Lloyd’s Europe cannot guarantee that all data is free from viruses and Lloyd’s Europe therefore advises visitors to scan all downloaded information for viruses.

6. Intellectual Property Rights

6.1. Lloyd’s Europe is the owner or the licensee of all intellectual property rights in the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

6.2. You are permitted to print and download extracts from this Website for your own personal use or internal business purposes provided that:

    6.2.1. no documents or related graphics on this Website are modified in any way;

    6.2.2. no graphics on this Website are used separately from accompanying text; and

    6.2.3. Lloyd’s Europe copyright and trademark notices as shown on each web page appear on all copies.

6.3. This permission will be revoked immediately if any of its terms are infringed.

6.4. Unless otherwise stated, the copyright and other intellectual property rights in all materials on this Website (including without limitation photographs and graphical images) are owned by Lloyd’s Europe or its licensors. Any use of extracts from this Website other than in accordance with paragraph 6.2 above for any purpose is strictly prohibited. If you breach any of these Terms of Use, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

6.5. Subject to paragraph 6.2 no part of this Website may be reproduced or stored on any other website or included in any public or private retrieval system or service without Lloyd’s Europe’ prior written permission.

7. Availability of Website

7.1. We aim to update our site regularly and may change the content at any time.

7.2. Whilst Lloyd’s Europe endeavours to ensure that this Website is normally available 24 hours a day, Lloyd’s Europe will not be liable if for any reason this Website is unavailable at any time or for any period.

7.3. Access to this Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond Lloyd’s Europe’ control.

8. Visitor material and conduct

8.1. Other than personally identifiable information, which is covered in the Website’s Privacy Notice (which can be accessed here: Lloyd’s Europe privacy notice) and in the Website’s Cookies Policy (which can be accessed here: Lloyd’s Europe cookies policy), any material that you transmit or post to this Website will be considered non-confidential and non-proprietary. Lloyd’s Europe will have no obligations with respect to such material. Lloyd’s Europe will be free to copy, disclose, distribute, incorporate and otherwise use such material and all data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes. If you do not wish Lloyd’s Europe to have the rights set out in this paragraph please do not transmit or post any material or submit any contributions to the Website.

8.2. You are prohibited from submitting, posting or transmitting to this Website any material which:

    8.2.1. is unlawful, harassing, threatening, defamatory, harmful, profane, indecent, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;

    8.2.2. violates a patent, trade mark, copyright, trade secret or other intellectual property rights of others or for which you have not obtained all necessary licenses and/or approvals;

    8.2.3. constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law or infringe the rights of any third party, in Belgium or any other country in the world;

    8.2.4. constitutes any form of marketing; or

    8.2.5. is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).

8.3. You must not misuse the Website (including, without limitation, hacking).

8.4. Violation of this section may lead to legal action being taken against you by the authorities or an aggrieved third party. Lloyd’s Europe will fully cooperate with any law enforcement authorities or court order requesting or directing Lloyd’s Europe to disclose the identity or locate anyone submitting, posting or transmitting any material in breach of this section.

8.5. You shall fully indemnify Lloyd’s Europe for any loss or damage suffered by Lloyd’s Europe or any of its subsidiaries for breach of paragraphs 8.2 or 8.3.

9. Links from the Website

9.1. Connected Lloyd’s websites (including lloyds.com; www.crystal.lloyds.com; www.lloydscareers.resourcesolutions.com; www.lloydslab.com www.cityriskindex.lloyds.com www.lloydsbridge.com)that can be accessed via links from this Website are subject to separate terms and conditions. You must therefore read those terms and conditions carefully before using those sites.

9.2. Links to third party sites on this Website are provided solely for your convenience. If you use these links, you leave this Website. Lloyd’s Europe makes no representations as to the security, quality or propriety of any site which may be accessed through this Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them. If you decide to access any of the third party sites linked to this Website, you do so entirely at your own risk.

10. Linking to the Website

10.1. If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, the home page of this Website, and subject to the following conditions:

    10.1.1 you do not remove, distort or otherwise alter the size or appearance of the Lloyd’s logo;

    10.1.2. you do not create a frame or any other browser or border environment around this Website;

    10.1.3. you do not in any way imply that Lloyd’s Europe is endorsing any products or services other than its own;

    10.1.4. you do not misinterpret your relationship with Lloyd’s Europe nor present any other misleading information about Lloyd’s Europe;

    10.1.5. you do not otherwise use any Lloyd’s Europe trademarks displayed on this Website without express written permission from Lloyd’s Europe;

    10.1.6. you do not link from a site that is not owned by you or your employer; and

    10.1.7. your site does not contain content that could reasonably be construed as distasteful, offensive or infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations.

10.2 Lloyd’s Europe expressly reserves the right to revoke the right granted in paragraph 10.1.7 above for any breach of these Terms of Use and to take any action it deems appropriate.

10.3 You shall fully indemnify Lloyd’s Europe for any loss or damage suffered by Lloyd’s Europe or any of its subsidiaries for breach of paragraph 10.1.

11. Disclaimer

11.1. The communication of information and service on the Website provided by either third parties or Lloyd’s Europe is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and/or subject matter of the Website does not constitute an offer of information, products or services, or offer to purchase or solicitation of insurance to U.S. residents, or in any other jurisdictions where such an offer may be unlawful.

11.2. The Website and any information contained therein or obtained through it may not be considered as a legal, accounting, tax or any other form of advice and such information should only be used in connection with professional and adequate advice. No information contained in the Website or obtained through it are intended to incentivise or prohibit any types of actions.

11.3. The Website and attached communications do not represent a prospectus or invitation in connection with any solicitation of capital. Nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in the United States or to a U.S. person, or in any other jurisdiction where it is contrary to local law. Such persons should inform themselves about and observe any applicable legal requirement.

11.4. The information, including any insurance or financial related information, viewable by you on this Website is provided for information only and does not constitute an offer to (or the solicitation of an offer to purchase) insurance, nor does it constitute investment advice of any kind whatsoever.

11.5. While Lloyd’s Europe and its third party providers endeavour to ensure that the information on this Website is correct, Lloyd’s Europe and its third party providers do not warrant the accuracy and completeness of the material on this Website. Lloyd’s Europe may make changes to the material on this Website at any time without notice.

12. Marketing

12.1. This Website includes advertisements and marketing materials issued by or on behalf of Lloyd’s Europe for products commercialised by or on behalf of Lloyd’s Europe. Links to third party sites and other similar referrals to third parties which are not affiliated to Lloyd’s Europe may not be considered as advertisement or marketing for these third parties.

13. Warranty and Liability

13.1. This Website is provided “as is” for information purposes only and Lloyd’s Europe and its third party providers give no warranties of any kind either express or implied in respect thereof. Specifically, but without limitation, Lloyd’s Europe and its third party providers do not warrant that:

    13.1.1. you will be able to use this Website or that it will continue to be made available in its current or any other form;

    13.1.2. this Website or any material of whatsoever nature available on or downloaded from it will be free from viruses or defects, compatible with your equipment or fit for any purpose.

13.2. It is your responsibility to use suitable anti-virus software on any material that you may download from this Website and to ensure the compatibility of such software or material with your equipment; or any content or information published on this Website is accurate or complete.

13.3. The editorial content of any other site to which you have gained access by means of any hyperlinks published on the Website remains the responsibility of the provider of that other website.

13.4. All warranties which would otherwise be implied by law are hereby excluded.

13.5. Lloyd’s Europe and its third party providers will not (subject only to paragraph 13.7 below) be liable to you, whether for negligence, breach of contract or otherwise, for any loss or damage whatsoever suffered by you (including without limitation, direct loss or damage, indirect or unforeseeable loss or damage, loss of goodwill, loss of business opportunity, loss of data or loss of profit), arising from:

    13.5.1. any computer virus or other bug transmitted through this Website;

    13.5.2. your use or inability to use this Website at any time and any failure by Lloyd’s Europe to provide this Website;

    13.5.3. your use of and/or reliance on other sites to which you have gained access by means of hyperlinks published on this Website;

    13.5.4. any inaccurate or incomplete information published on this Website;

    13.5.5. your failure to comply with any law or regulation that is applicable to you; or

    13.5.6. your reliance on any information published on this Website.

13.6. You should note specifically that information might be published on this Website about insurance that may not be appropriate for your specific purposes or circumstances. If you are in any doubt as to who you should contact please refer to the Contact Us page.

13.7. Nothing in these Terms of Use shall operate to exclude or restrict Lloyd’s Europe or its third party providers’ liability for either fraud, or death or personal injury resulting from Lloyd’s Europe, its third party providers or their employees’ negligence.

14. Lloyd's Europe services do not involve giving advice

14.1. The services Lloyd’s Europe provides on the Website including those of its third party providers do not include, and do not purport to include giving advice of any kind whatsoever; providing, arranging, explaining, advising on or promoting investment products or life insurance of any type whatsoever; acting as insurance brokers or intermediaries, whether or not independent from any insurance provider; acting as agents of any kind for you or for any provider; providing brokerage or intermediary services of any kind whatsoever or assuming any of the duties of any such persons under any applicable legal system.

15. Variations

15.1. Lloyd’s Europe may amend or revise these Terms of Use at any time without notice. You should check this Website from time to time to review the then current Terms of Use because they are binding on you.

16. Enforcement

16.1. The failure by Lloyd’s Europe to enforce any term or condition of these Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.

17. Jurisdiction

17.1. These Terms of Use and all matters arising from or connected with them are governed by and construed in accordance with Belgian law and the courts of Europe will have jurisdiction over any claim arising from, or related to, a visit to this Website.

Effective date: February 2019