Terms and Conditions


In these Terms and Conditions unless the context otherwise requires:

“Our”, “us” or “we” means Folgate Insurance Company Ltd (Folgate).

“Insured” means the insured under a contract of insurance.

“Authorised transactions” are transactions or communications which are either in fact conducted and authorised by You or by an authorised third party on Your behalf or which we are entitled to assume are authorised pursuant to these Terms and Conditions.

“Contract of insurance” means a concluded contract of insurance obtained through Your use of this site.

“Terms and Conditions” means these terms and conditions.

“You” or “Your” means you, the person(s) accessing this site and where the context so requires, includes any party on behalf of whom you use this site.

“Website” means this website and internet trading platform.


These Terms and Conditions set out the terms on which You may make use of this Website under the domain name www.folgateltd.com, whether as a guest or a registered user. Please read these Terms and Conditions carefully before You start to use the Website.

By using the Website, You indicate that You accept these Terms and Conditions and that You agree to abide by them including (without limitation) those terms relating to the use of Your personal data in accordance with the terms of our Privacy Policy. If You do not agree to these Terms and Conditions, please refrain from using the Website.

We reserve the right to change these Terms and Conditions from time to time. You agree to be bound by the version of these terms which appears on the site at the time of Your access.

Accordingly, You should check these Terms and Conditions every time You access the site.


The Website is operated by Folgate Insurance Company Ltd, whose registered office and principle place of business is at 80 Leadenhall Street, London, EC3A 3DH. Registered in England and Wales No 00011615.

Folgate Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under reference number 202146.


QuoteMac is a registered trade mark and is the insurance internet trading platform of Folgate Insurance Company Ltd.


We control and operate the Website from England and the information delivered via the Website is deemed to have been delivered in England. Folgate make no representation that the material contained in the Website is appropriate for use outside the United Kingdom and Europe.

This Website is not directed to any person in any jurisdiction where (by reason of that person’s nationality, residence or otherwise) its’ publication or availability is prohibited. Persons to whom such restrictions apply must not access this Website. You shall be solely responsible for any legal proceedings or other consequence which may arise from You choosing to access this Website from outside the United Kingdom and Europe.

This Website and any transactions effected through it shall be governed by English Law. The English Courts shall have exclusive jurisdiction in any legal proceedings.

All products are subject to availability and may be withdrawn or amended at any time prior to conclusion of a contract of insurance.


By using the Website, You agree that You have the Insured’s full authority to use this Website, request cover for the Insured and enter into a contract of insurance in the Insured’s name.

You agree to indemnify and keep Us indemnified from and against all liabilities, costs, claims and demands arising from or in respect of any breach of such agreement.

You have been granted a unique username and password. It is Your responsibility to keep the username and password confidential at all times and You must use all reasonable endeavours to prevent unauthorised or fraudulent use of the username and password.

You must tell us as soon as possible if You know or suspect that an unauthorised person is aware of the username or password. Until You contact us with such information, we will be entitled to assume that all transactions effected via Your username and password are authorised transactions and we shall be entitled to act upon these without further investigation.

We will not be liable to You for acting on or processing such transactions or communications, or otherwise treating such transactions or communications as authorised transactions. You will indemnify Us for any loss We suffer as a result of misuse of Your username and password, where such misuse results from Your failure to use reasonable endeavours to prevent unauthorised or fraudulent use.

You will not post any material to Website which is obscene, defamatory, threatening or otherwise actionable at law or which would constitute a criminal offence. You will indemnify Us against any loss We may suffer by reason of any breach by You of this obligation.

We may suspend and/or terminate Your use of this internet trading platform immediately if We feel that the Website has been, is being, or is about to be, misused in breach of these Terms and Conditions.


We will keep the information on the Website as accurate and up-to-date as possible but no warranty or representation (express or implied) is given regarding the accuracy of any information contained on the Website, and any such warranty or representation is excluded to the fullest extent permitted by law.

While the Website is scanned for and protected against viruses, the success of this is not guaranteed. No warranty is given by Us as to the freedom of the Website from defects, viruses, malicious programs, macros or any other material which is likely to cause harm to Your or anyone else’s computer systems.

We accept no liability in contract, tort or otherwise including negligence for:

  • inability to gain access to the Website as a result of routine or emergency maintenance on the system and/or excessive demand for the Website; and/or
  • delay or failure in transmitting or receiving material.


All material contained on the Website are proprietary to Folgate or its third-party licensors and all intellectual property rights on the Website are reserved to Folgate or its third-party licensors. Folgate grants You a limited licence to access any part of the Website You are authorised to access and print off pages from it.

Folgate also grants registered users a limited licence to access any part of the site and print off pages from the internet trading platform insofar as is necessary to obtain quotes, effect a contract of insurance (including printing a full copy of the relevant policy), or utilise the other functions made available to You by the Website.

You must not:

  • copy, tamper or alter, distribute or use any material or design contained within the Website except as is expressly permitted by these Terms and Conditions or with Our prior written consent; and/or
  • re-use any content of the Website for any other purpose whatsoever.


We do not accept any responsibility for the contents of any third-party website that may be linked to the Website by way of hypertext link or other means of reference. You must not link the Website to any other site without Our prior written consent.


We take all reasonable steps to ensure that any information You provide via e-mail and / or via the Website is kept safe and secure‚ however with the nature of the internet‚ the security of emails cannot be guaranteed. The privacy of Your data in such email correspondence cannot therefore be guaranteed. There is no guarantee that any emails You send to Us will be received by Us.

We process information about You in accordance with Our Privacy Policy. By using the Website, You consent to such processing and You warrant that all data provided by You is accurate. Additional information regarding the use and security of personal data is available in our Privacy Policy.