CONDITIONS OF USE

By using this web site you agree to the following terms. Please read them carefully. They will form an important part of any contract between you and us. In these Conditions of Use 'our', 'we', 'us' means the following companies together: Able Insurance Services Limited; Admiral Group plc; and any named preferred supplier.

Gladiator is a trading name of Able Insurance Services Limited (Company Number 02890075) whose registered office is at No 1 Langdon Road, Swansea Waterfront, Swansea, SA1 8AG. Gladiator together with its logo are registered trademarks of Able Insurance Services Limited. Able Insurance Services Limited may also claim rights in other trademarks, service marks, logos and icons contained on this site.

The content of this site and the products and services offered by us comply with appropriate UK legislation and regulation. Unless we have agreed otherwise with you, the Insurance Contract written through Able Insurance Services Limited shall be subject to the law of England and Wales and the exclusive jurisdiction of the courts.

If any of the following provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions.

The descriptions of all the products and services contained in this web site are for information purposes only. The information and descriptions provided are not intended to be complete descriptions of all the terms, conditions and exclusions applicable. The precise coverage afforded by any insurance policy or other product issued by us is subject to the terms, conditions and exclusions of the policies as issued. Any other products and services provided are subject to their specific terms and conditions as set out throughout the site.

We take care to ensure that the information contained in this web site is accurate and up-to-date. However, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this site, which may contain technical inaccuracies and typographical errors.

We are not providing any legal, accounting or other professional advice or opinion on specific facts or matters. Also, neither we nor any of our directors, employees or agents will be liable for damages arising out of or in connection with the use of this site or the information in it.

This is a comprehensive limitation of liability that applies to all damage of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims. However, nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of us, our directors, employees or agents. Also, nothing shall exclude or restrict our obligations under the Financial Services and Markets Act 2000 or any other current or future Financial Services legislation.

The products and services described in this site are only available to UK residents insuring private vans and commercial vehicles within Great Britain, Northern Ireland and the Isle of Man (excluding the Channel Islands). By asking for a quote, you confirm that you and any additional drivers on the policy are UK residents (excluding the Channel Islands) and that you will immediately notify us if you or your additional drivers stop being a permanent UK resident.

We have taken every reasonable step to make sure the information contained in this web site is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right, at any time and without notice, to revise the contents of this site including these Conditions of Use. Any changes to these conditions will be posted on this site and by continuing to use this site following any such change, you will signify that you agree to be bound by the revised conditions.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

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

If you are in any doubt as to the validity of information made available within these pages, or if you wish to rely on this information, then it may be in your best interest to seek verification by contacting us.

Please refer to our Privacy Statement.

Warning: any details you submit will not be secure whilst being transmitted across the Internet.

YOU SHOULD SHOW THE PRIVACY STATEMENT TO ANYONE INSURED TO DRIVE THE VEHICLE COVERED UNDER THE MOTOR POLICY.

In this site certain links, including hypertext links, will lead you to web sites or pages that are not under our control. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the site to which a particular link leads.

We accept no responsibility or liability for the content of other web sites. If you are redirected to another web site via our web site, you will need to contact that organisation separately to remove your details from their records.

No one may link into this site without prior written consent.

Authorised insurers underwriting compulsory motor insurance are also obliged, by virtue of the Road Traffic Act 1988, to be a member of the Motor Insurers' Bureau (MIB) and to contribute to its funding.

The MIB was established in 1946 as a private company limited by guarantee for the purpose of entering into Agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. For further information please visit www.mib.org.uk.

We may record or monitor our telephone calls with you for training purposes, for our joint protection and to improve the service we provide you.

Failure to disclose all material information or any change in the information advised (i.e. information likely to influence the assessment of the risk) could invalidate the insurance. If you are in doubt as to whether any information is material it should be disclosed. It is an offence under the Road Traffic Acts to make any false statements or withhold any information to obtain a Certificate of Motor Insurance.

We are unable to insure any driver who has received medical advice recommending that they do not drive.

A copy of all our policy documentation is available online and on request.

The contents of this web site (including but not limited to the text, graphics and sounds) are the copyright of Able Insurance Services Limited and may not be copied, distributed, uploaded, re-published, decompiled or transmitted in any way without prior written consent of Able Insurance Services Limited.

All design, text, graphics and their selection or arrangements are the copyright of third parties or us. Permission is granted to copy electronically and to print in hard copy portions of this site, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) without prior written permission is strictly prohibited.

YOU SHOULD SHOW THESE NOTICES TO ANYONE INSURED TO DRIVE THE VEHICLE COVERED UNDER THE MOTOR POLICY

March 2006