/ Terms & Conditions

Website Terms of Use

ATTENTION: This legal notice applies to the entire contents of this website under the domain name www.tollgateprivateclients.co.uk (“the website”) and to any correspondence by email between us and you, in relation to insurance products and insurance product policies arranged by us. Please read these terms and conditions (“Terms”) carefully before using this Website. Using this Website indicates that you accept these Terms regardless of whether or not you choose to secure insurance offered on this Website. If you do not accept these Terms, please do not use this Website.

This notice is issued by Grove & Dean Limited. Our registered office is at: Tollgate House, 96 Market Place, Romford, Essex, RM1 3ER. We are an independent intermediary acting on your behalf, offering a wide range of products and services from selected insurers to meet your requirements. Tollgate Private Clients is a trading name of Grove & Dean Limited. Grove & Dean Limited is authorised and regulated by the Financial Conduct Authority and our Firm Reference Number is 307002.

Updates and Amendments

We may update these Terms at any time. You should review these Terms every time you visit this site to check for any amendments, because they are binding on you.

If you continue to use this Website after the date on which the change comes into effect, your use of the Website indicates your agreement to be bound by the new Terms.

Use of our Website

Unless otherwise indicated, our products and services are only available to UK residents who access this Website from within the UK.

If you use this Website to apply for insurance, you confirm that you are over 17 years old and are not impersonating another person.

We aim to offer very competitive insurance but not everybody will be eligible to take out some of our insurance products. We reserve the right to refuse to offer you a quote if you are not eligible for the selected insurance product.


You are permitted to print and download extracts from this Website provided that:

  1. no documents or related graphics on this Website are modified in any way;
  2. no graphics on this Website are used separately from accompanying text; and
  3. our copyright notice and this permission notice appear in all copies.

Unless otherwise stated, the copyright and other intellectual property rights in all material on this Website (including, without limitation, photographs and graphic images) are owned by us or our licensors. For the purposes of these Terms, any use of extracts from this Website other than in accordance with the provisions above for any purpose is prohibited. If you breach any of the Terms, your permission to use this Website automatically terminates and you must immediately destroy any downloaded or printed extracts from this Website.

Subject to the above provisions, no part of this Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

Any rights so expressly granted in these Terms are reserved.

Service Access

While we endeavour to ensure that this Website is available 24 hours a day, we will not be liable if for any reason this Website is unavailable at any time or for any period.

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

Visitor Material and Conduct

Other than personally identifiable information, any material you transmit or post to this Website will be considered non-confidential and non-proprietary. We will have no obligations with respect to such material. We will be free to copy, disclose, distribute, incorporate and otherwise use such material and/or data, images, sounds, text and other things embodied therein for any and all commercial or non-commercial purposes.

You are prohibited from posting or transmitting to or from this Website anything:

  1. that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy, or which may cause annoyance or inconvenience;
  2. for which you have not obtained all necessary licences and/or approval;
  3. which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in the UK or any other country in the world; or
  4. which is technically harmful (including, without limitation, computer viruses, logic bombs, worms, harmful components, corrupted data or other malicious software or harmful data).

You may not misuse the Website (including, without limitation, by hacking).

Links to and from other Websites

Links to third party websites on this Website are provided solely for your convenience. If you use these links, you will leave this Website. We have not reviewed all of these third party websites and we do not control and are not responsible for these websites or their contents. Therefore, we do not endorse or make any representations about them, or any material found there, or any result that may be obtained from using them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk.

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:

  1. you do not remove, distort or otherwise alter the size or appearance of our logo;
  2. you do not create a frame or any other browser or border environment around this Website;
  3. you do not in any way imply that we are endorsing any products or services other than its own;
  4. you do not misrepresent your relationship with us nor present any other false information about us;
  5. you do not otherwise use any of our trade marks displayed on this Website without express written permission from us;
  6. you do not link from a website which is not owned by you; and
  7. your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with applicable laws and regulations.

We expressly reserve the right to revoke the rights granted above for breach of these Terms and to take any action we deem appropriate.

You shall fully indemnify us for any loss or damage suffered by us or any of our group companies for breach of the above provisions.


While we endeavour to ensure that the information on this Website is correct, we do not warrant the accuracy and completeness of the material on this Website. We may make changes to the material on this Website, or to the products and prices described in it, at any time without notice, the material on this Website may be out of date, and we make no commitment to update such material.

The material on this Website is provided on a “as is” basis without any conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, we provide you with this Website on the basis that we exclude all representations, warranties, conditions and other terms, (including, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to this Website.

Exclusions of Liability

The following “Exclusion of Liability” statement should be read carefully as this explains the exclusions and limitations of our liability arising from your use of this website.

While care has been taken to ensure that the contents of this website are both accurate and complete we and any other party (whether or not involved in creating, producing, maintaining or delivering this Website) accept no liability or responsibility in tort (including without limitation, negligence, contract or otherwise) for any amount or kind of loss or damage which may result to you or a third party including and without limitation to any;

    • direct, indirect, punitive or consequential loss or damages
    • loss of income, profits, goodwill, data, contracts, use of money,
    • loss or damage arising from or in connection in any way to business interruption,

Access and use of this Website is at your own risk. We do not accept liability or responsibility or otherwise which may result in your inability to use the Website functionality; neither do we 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 or websites linked to this Website, including but not limited to loss or damage due to:

    • viruses that may infect your computer equipment including but not limited to spyware, malicious software Trojans and worms
    • software, data or other property on account of your access to the use of, or browsing of this Website or your downloading of any material from this Website or any websites linked to this Website.

“We” means any of our officers, directors, employees, or shareholders (or agents of them).

Nothing in this legal notice shall exclude or limit our liability for (i) death or personal injury caused by negligence (as such term is defined by the Unfair Contract Terms Act l977); (ii) fraud; (iii) misrepresentation as to a fundamental matter; or (iv) any liability which cannot be excluded or limited under applicable laws.

If your use of material in this Website results in the need for servicing, repair or correction of equipment, software or data, you are assumed to have accepted all responsibility together with the associated and resultant costs.


Separate to any communication relating to your policy or claim, we may contact you about products and services that may be of interest to you via Post, Email, SMS or Phone.

We do not sell or pass on any client or user information to any third party companies for marketing purposes but we may inform you of services or products available from third parties. It is your choice whether you wish to request more information from them. These communications may cover but not be limited to travel, leisure, financial services, charities and shopping.

If you would prefer not to receive this information from us you can ask us to stop at any time by emailing us at optout@grove-dean.co.uk . And if you change your mind about how we may contact you, you can also manage your preferences at any time by emailing us at myprefrences@grove-dean.co.uk


We have policies and firewalls in place to safeguard the storage of your personal information from unauthorised access and improper use. Although we have security measures in place to protect your information which we monitor regularly, because of the Internet and its worldwide accessibility, we cannot guarantee that your information will remain at all times 100% secure. We therefore take no responsibility in relation to secure storage of your personal information.

Access to personal information on our website is by your user ID and password. Our security procedures are regularly monitored and reviewed.

Processing of quotations is via a secure server. Your browser should confirm this by showing a lock symbol in the bottom right hand corner.

Credit/Debit Card Transactions

We retain the card information you provide to us when payment is made on our website. This assists us in reducing fraud. Any refund we provide to you for any product you have purchased by card will be made back to the card account used to make the initial purchase. Where this is not possible we may choose an alternative method.


Policy Terms and Conditions


The information that you have supplied or will supply in connection with quotations obtained and policies effected through this Website forms the basis of your application for insurance. You must check that this information and all other information and answers you provide are true and accurate and that you disclose all relevant facts. In the event of a claim or upon request, you must be able to substantiate all of the details that you have provided. In particular, you may be asked to evidence your driving licence information, proof of address, proof of installation of fitted vehicle immobiliser or tracker device, and proof of your No Claims Discount entitlement. If any information is incorrect or missing you must notify us immediately.

Failure to notify us of any errors, omissions or amendments could result in your insurance being invalid or a claim not being met.

Any insurance policy purchased through this Website will be subject to these Terms, the Insurance Terms & Conditions we provide to you and the full policy wording. Your policy will be issued as confirmation that cover has been issued, however, a sample copy of your insurer’s policy wording is available on this Website. Your policy will be issued based on the information that you gave to us and the declarations you have made and you are strongly advised to read your policy carefully, as it is this document, the schedule and/or certificate that form the insurance contract you have purchased. If you are in any doubt over the policy terms or conditions please seek our advice promptly.

When will you receive the documents?

We operate a two stage sales process which means that whether you buy your insurance online or accept an offer by our sales team you will be contacted by our support team who will check through your information to make sure it is correct and that you are eligible. For policies that are not bought online your insurance cover will not be effective until you have received a call from our support team and they have confirmed to you when cover is effective from. If you have any doubts about your cover or you have not received your policy documents after making a purchase please contact our customer services staff immediately.

We reserve the right to retain your certificate(s) of insurance until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments will include our right to retain certificates of insurance until all such payments have been received. By accepting this agreement you agree that delivery of any certificate including certificates of motor insurance to us shall constitute delivery to yourself in accordance with United Kingdom law.

Provision of Cover

Cover cannot be granted in the absence of premium payment, or part thereof. In the event of an initial payment not being authorised, cover may not be deemed to have been afforded in any way. It remains your responsibility therefore to ensure that sufficient funds are available so that cover may commence.

Please note that we are only able to arrange insurance on this Website for individuals resident in the United Kingdom (excluding Northern Ireland), continuously for the past 12 months and all contracts arranged through our agency are subject to English Law.

The policies available on this Website are underwritten by a number of different insurers. You will be told which insurer is underwriting any particular policy before you decide to purchase your insurance and you will also be provided with details of the insurer. If you need to clarify anything before buying any insurance policy please contact us. Our opening hours are Monday to Thursday 8:30am – 8:30pm, Friday 8:30am – 7:30pm, Saturday 9:00am – 5:00pm, Sunday and Bank Holidays 10:00am – 4:00pm.

Instalment Terms and Conditions

If you are eligible we may be able to offer you the option to spread your payments under a credit scheme by introducing you to a third party finance provider or an insurers’ instalment scheme. In providing this service we are a Credit Broker and not a Lender.

Where applicable details of this service (including any other applicable charges) will be provided in the credit/scheme agreement that the financier will provide to you. We do not charge a fee to arrange direct debits but we may make an administration charge, which will be explained to you when you arrange your policy, to cover the administration of the agreement throughout the term of your insurance policy.

If you have chosen this method of payment, in the event of an instalment becoming overdue or declined we reserve the right to cancel all cover from the overdue time and date.

Following cancellation you will be liable for the immediate payment of any shortfall in premium outstanding and we reserve the right to employ the service of debt recovery agents where necessary.

Please note that a finance agreement is a contract between you and the finance provider, and is separate to the insurance contract.

Please also note that in the event of a claim, any balance of the total amount payable shall become due immediately on demand.


Tollgate Private Clients. Tollgate House, 96 Market Place, Romford, Essex RM1 3ER
tel: 01708 609609    email: enquiries@tollgateprivateclients.co.uk    web: www.tollgateprivateclients.co.uk

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Tollgate Private Clients is a trading name of Grove & Dean Ltd, an independent intermediary who are authorised
and regulated by the Financial Conduct Authority (FCA). For your security calls may be recorded. © 2017 Tollgate Private Clients. All rights reserved.