- Terms & Conditions -

Terms & Conditions

Please read the following terms and conditions carefully as they apply to your use of the entire content of this website under the domain www.captaincover.co.uk. By accessing and using our website, you agree to be bound by the terms and conditions of use of the Captain Cover website at / (the “Site”) without limitation or qualification.

Please note additional terms and conditions apply to the products and services offered on this Site. When you browse, apply for and following any purchase you make of any Captain Cover product or service these will be drawn to your attention. By using this Site you hereby agree to these conditions of use in force at that time.

These terms and conditions may be revised at any time by updating these conditions. You are bound by any revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.

Company Information

Captain Cover is a trading name of Lexelle Ltd, a company registered in England and Wales (registration company number 03160099). Lexelle Ltd is authorised and regulated by the Financial Conduct Authority.

Website Access, Availability and Accuracy

Whilst we have taken care in the preparation of the Site, and we use reasonable efforts to include accurate and current information on the Site, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus or bug free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services.

Use of your personal information

Through your use of the Site you agree that personal information that is provided will be dealt with in accordance with our privacy policy.

Reliance on information posted

This website is not intended to give you any advice or personal recommendation on any of the products detailed within it. The website only provides information regarding the features of the products in order for you to make a decision on whether they are suitable for your needs.

Intellectual property

The Site is owned by Captain Cover. Images, logos, names and trademarks on the Site are proprietary marks of Captain Cover / or the images are used by Captain Cover with 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.

Any interference or entry to the Site with intent to corrupt, damage or deny service from the Site or for other commercial benefit shall be taken seriously and we shall take such action as is necessary to protect the Site from any such activities to protect our intellectual property rights. You acknowledge that damages may not be an adequate remedy for any infringement of such rights by you and that we are entitled to the remedies of injunction, specific performance, orders to deliver up infringing copies and any other statutory or equitable relief for any threatened or actual infringement and that no proof of special damages is necessary for reliance on such remedies.

Unless otherwise agreed in writing nothing on the Site shall be deemed to confer on any person any licence or right to use any such image, logo, name or trademark and any such use may constitute an infringement of the rights of the holder.

External links to and from the website

We may provide hyperlinks to other websites that are not under our control and which we do not maintain. These links are provided for your convenience. When you activate these links, you will leave the Site. 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 at your own risk.

Please consult the conditions of use and privacy policies on those websites for further details on use of those websites.

Product terms and conditions

The content of the Site 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 the Site 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 the Site 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 the Site, 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.

You must ensure that the details you give to us while using this Site are correct and that there are sufficient funds to cover the cost of the product or service..

Site access and password usage

The Site is directed at those who can access the Site from the UK and is intended for use by UK residents only. Applications for products from non-UK residents will, unless otherwise stated, not be accepted.

To obtain access to certain online services you are given the opportunity to register with us. You are responsible for maintaining the confidentiality of your details and your password and for restricting access to your computer to prevent unauthorised access to your account. You accept responsibility for activities that occur under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password is being used in an unauthorised manner.

You must not use the Site in any way that causes or is likely to cause access to be interrupted, or impaired in any way and you acknowledge and agree that you are responsible for electronic communications sent from your computer.

Credit card transactions

We do not retain the credit card details you provide to us after payment has been made. We do not maintain any security code that you may have given to us in order to complete the initial purchase. This assists in reducing credit card fraud. Except in exceptional circumstances any refund we provide to you for any product you have purchased by credit card is made back to the credit card account used to make the initial purchase.


While we use all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, and we do our best to correct errors and omissions as soon as we can, no representations or warranties are made (express or implied) as to the reliability, accurate or completeness of such information. To the maximum extent permitted by law, Captain Cover accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Site or any information contained therein. Users should be aware that they use the Site and it’s Content at their own risk.

Content and information provided by third parties other than Captain Cover is clearly identified where it appears. We publish this content as supplied to us and are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Access to and use of this website is at the user’s own risk and we do not warrant that the use of the Site 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 the Site website by unauthorised third parties.

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 with which we are bound to comply.

Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from the Site.

Jurisdiction and Law

These conditions of use shall be governed by and construed in accordance with English law. Disputes arising here from shall be subject to the exclusive jurisdiction of the courts of English courts.

To the extent that any part of these conditions of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.

We offer an online quotation service and an online cover service by means of the website. The range of insurance products featured on the website are arranged by Lexelle Limited. We reserve the right to change without notice the insurer(s) used in connection with this website.


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.

Amendments to website terms and conditions

These terms and conditions may be revised at any time by updating these conditions. You are bound by any revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.