Terms & Conditions

Regulatory Information and Terms and Conditions of Use:

Please read the following section carefully as it contains the conditions governing your use of the Cork Bays and Fisher website – www.corkbaysfisher.co.uk (the “Site”).

Additional terms and conditions may apply to the products and services available through the Site. These will be drawn to your attention when you browse, apply for or purchase any product or service. By using this Site you agree to these conditions.

The Site is operated by Cork Bays & Fisher.

Cork Bays & Fisher is a trading name of Kingfisher Insurance Services Limited, registered in England No 01469545. Kingfisher Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) No 310218. Registered office: 768 Hagley Road West, Oldbury, West Midlands B68 0PJ.

Availability of Site:

Whilst every effort is made to ensure the Site’s availability, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to the Site at all times. Access may be suspended or restricted to allow for repair or maintenance or for the introduction of new services.

Use of Personal Information:

When you seek a quote online, you will be asked to “opt in” to our Privacy Policy, whereby you consent to our using your personal information for the provision of your requested quotation and to keep you informed of our services. Shield Total Insurance promise never to give your details to any other third party for marketing purposes and will only send you information about Shield Total Insurance.

Trademarks/Ownership of Materials:

Images, logos, names, trademarks, copyright, design, graphical/text arrangements, database rights and other intellectual property rights that exist in the content of the Site are the proprietary marks of Vantage Insurance Services and/or any applicable relevant third party.

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.

The Site is intended for non-commercial personal use only. You may not commercially exploit, publish, distribute, extract, re-utilise or reproduce any part of the Site in any material form (including photocopying or storing it in any medium by electronic means) or use it in any other way other than in accordance with the limited use licence set out in our copyright notice.

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 will be subject to the terms and conditions of that product or service, which we may accept or reject.

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.

External Links:

We may provide links to other websites that are not under our control. These links are provided for your convenience. 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.


We will endeavour to provide accurate up to date information on the website. However, on occasion there may be a discrepancy in the price or type of product shown. In the event of such an occurrence, we reserve the right to cancel the contract, without any liability to you and a refund will be offered.

In no event shall we be liable to you or any other person or entity in any way, whether arising under contract, tort (including negligence) or otherwise, for damages of any kind arising from the use of this website, including, but not limited to, direct, indirect, incidental, punitive or consequential damages, lost revenue or profits, lost or damaged data or other commercial or economic loss, that result from your use of, or inability to use this website.

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 must comply with.

Amendment to the Conditions of Use:

We reserve the right to amend the Site and conditions of use without notice from time to time. Any such amendment shall be effective once the revisions have been posted on this Site.

If any of these provisions shall be unlawful, void or unenforceable for any reason the particular provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.

Monitoring of Telephone Calls and Emails:

Telephone calls and email correspondence arising as a result of your access to the Site may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place.


If you breach these terms of use we shall be 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 from shall be subject to the exclusive jurisdiction of the courts of English courts.

If you wish to contact us regarding any matter set out in these conditions you may do so by writing to us.