Website Terms and Conditions

Introduction (“this website”) is the website for Stenfax Ltd t/as Royle Insurance Consultants.

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.

All content of this website is protected by copyright, trade marks and other intellectual property rights which are owned by or licensed to Stenfax Ltd t/as Royle Insurance Consultants. 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 Stenfax Ltd t/as Royle Insurance Consultants. 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

Where your complaint relates to the service provided by your insurers, please refer to your policy booklet for details of their complaints procedure.

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 to help us put matters right, 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, Royle Insurance Consultants, 149 Fortess Road, London, NW5 2HR. Telephone 0207 267 3534. Fax 0207 284 0618. Email 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, Exchange Tower, London E14 9SR, telephone 0800 023 4567.

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 for 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.

Privacy Statement

Please read our separate page for full details of our Privacy Policy. This privacy policy applies to Stenfax Ltd t/as Royle Insurance Consultants only and sets out how we use and protect any information that you give Stenfax Ltd t/as Royle Insurance Consultants when you use this website.

Stenfax Ltd t/as Royle Insurance Consultants is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

We keep our privacy policy under regular review and we will place any updates on this webpage. This privacy policy was last updated on 10th May 2018.

What we collect

We will collect information about you when you request a quotation or ask for further information regarding our products and services. The type of information will include:
  • name, date of birth and job title
  • contact information including email address
  • demographic information such as postcode, preferences and interests
  • other information relevant to customer surveys and/or offers

What we do with the information we gather?

We require this information to enable us to provide you with a quotation and the services you asked for, and in particular for the following reasons:
  • Internal record keeping
  • If you agree, we may use the information held about you, to provide you with information about other products and services which we offer, which we feel may be appropriate to you by email, telephone, post or by other means.
  • From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone or post. We may use the information to customise the website according to your interests


We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.


A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that site to recognise your browser. Cookies may store user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some website features or services may not function properly without cookies.

We use cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer news. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement.

You should exercise caution and look at the privacy statement applicable to the website in question.

Telephone Calls

We may record telephone conversations to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

We use cookies to ensure that we give you the best experience on our website. You can read more about how we use cookies in our cookie policy. X Understood