Our Terms of Use and Privacy Policy

Terms and Conditions of Use

Topsham Insurance Services Ltd, registered office 76 Fore Street, Topsham, Exeter EX3 0HQ  is an Appointed Representative of Bennett Gould (Dorset) Ltd who who are authorised and regulated by the Financial Services Authority. Their FSA register number is 310780.

Our permitted business is arranging and advising on general insurance.

You can check this on the FSA’s register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

The director and principal advisor is Michael Kay, who is a Associate of the Chartered Institute and has had more than 20 years experience in general insurance.

The use of this website and the information contained within it, including the free downloads and free guidance, are provided on a no liability basis and do not constitute specific investment or insurance advice. Unless it is clearly indicated, the information provided on this site is not intended to be an offer by us to enter into a contract with you. A contract will be formed only after we have accepted your application and have confirmed to you that a contract has been entered into.

Topsham Insurance is a firm of insurance advisors offering advice on both commercial and personal insurances. If your particular requirement is not within our expertise we will endeavour to source advice from third party firms who specialise in the area of insurance you require.

It is your responsibility to ensure that any software downloaded onto your computer from this site is suitable and free from viruses.

How We Use Cookies

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies: You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of the this site. Therefore it is recommended that you do not disable cookies.

The Cookies We Set: This site offers newsletter or email subscription services and cookies may be used to remember if you are already registered and whether to show certain notifications which might only be valid to subscribed/unsubscribed users. From time to time we offer user surveys and questionnaires to provide you with interesting insights, helpful tools, or to understand our user base more accurately. These surveys may use cookies to remember who has already taken part in a survey or to provide you with accurate results after you change pages. When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence. In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies: In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site. This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page. Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you. From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most. As we sell products it’s important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that these cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price. In some cases we may provide you with custom content based on what you tell us about yourself either directly or indirectly by linking a social media account. These types of cookies simply allow us to provide you with content that we feel may be of interest to you. We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; , will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More Information: Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However if you are still looking for more information then you can contact us.

Intellectual Property

The copyright and the content and images in the site belong to Topsham Insurance Services Ltd or the images and content are used by Topsham Insurance Services Ltd with the permission of the Copyright owner. Note that we are not the owner of copyright in any site linked to our site and you should seek permission from the site owners before copying any materials from them.

You may download information for your own personal use but otherwise it may not be copied or reproduced except with our written permission.

E-Mails

Please note that there is no guarantee that any e-mail sent to this site will be received by Topsham Insurance Services Ltd or that the message will remain confidential whilst being transmitted.

Privacy Policy

We dislike spam and unsolicited mail and contact as much as you! Therefore protecting your privacy is important to us. We promise to respect and safeguard your personal information. We shall try to ensure that your details are accurate and kept up to date. We set out below how we use this information.

We collect and use personal information to allow us to provide you with quotations, e.g. your name, address, telephone number, e-mail address, and renewal date(s). Such information will be passed to Higos Insurance Services Ltd who in turn will pass it to appropriate insurance companies for the purposes of obtaining quotations.

The information you supply may be used by the Topsham Insurance Services Ltd and their agents for insurance product administration, customer research and to keep you informed by post, telephone, e-mail or other means of services or products which may be of interest to you. Where we use your personal details to tell you about other products and services we will give you the opportunity to inform us that you do not wish your details to be used in this way.

For your protection, telephone calls may be recorded and may be monitored. Where appropriate we make checks with a licensed credit referencing agency and a record of any search will be made. We exchange information with other insurers through various databases to help us check information provided and also to prevent fraudulent claims. We will disclose information about you to regulatory authorities in response to formal requests.

As required by the UK Data Protection Act 1998, we follow strict security procedures in the storage and disclosure of information which you have given us to prevent unauthorised access.

Applicable Law and Language

Products and services illustrated on this site are available for citizens of the UK only. The applicable law governing the contents and use of this site and any disputes arising from use of this site is English law and disputes will be subject to the exclusive jurisdiction of the English courts. The policy will be in English.

Note that this site is not intended for use or distribution by a person in any country where such use or distribution of the site would be contrary to local laws or regulation.

By continuing to use the site, you agree to the use of cookies. more information

The cookie settings on this website are set to "allow cookies" to give you the best browsing experience possible. If you continue to use this website without changing your cookie settings or you click "Accept" below then you are consenting to this.

Close