Terms & Services

These Terms & Services govern your use of the Butlington website at butlingtonfeedback.com and the insurance guidance, quotations, and related services described on it. Please read them with the Privacy Policy. If you buy a policy, the schedule, proposal, and any endorsements are the contract of insurance. These website terms do not replace that contract, and where they differ on a claim, the schedule prevails.

Last updated: 13 October 2026.

1. Who we are

Butlington is an insurance advisory desk that helps households and businesses understand, compare, and arrange life, health, home, motor, travel, and business cover. References to “Butlington”, “we”, “us”, and “our” mean the team operating this website. References to “you” mean the person browsing, enquiring, subscribing, or applying for cover.

We do not publish a telephone number or a street address on this website. Formal notices about these terms may be sent to hello@butlingtonfeedback.com. We will reply to the email address you give us.

2. Acceptance

By using the website, sending a form, requesting a quote, subscribing to notes, or asking us to review a schedule, you agree to these terms. If you do not agree, please leave the site and do not submit information. If you use the site on behalf of a household or a business, you confirm that you are allowed to do so and that these terms bind that household or business for the enquiry you make.

We may refuse an enquiry that is incomplete, inconsistent, or outside the kinds of cover we arrange. Refusal of an enquiry is not a reflection on your honesty. It may simply mean the risk sits outside our current panels.

3. What this website is for

The pages describe how Butlington works, illustrate types of cover, share educational notes, and collect the details needed to start a conversation. They are written for general guidance. They are not a personal recommendation until an advisor has reviewed your circumstances and confirmed the advice in writing.

Examples, case stories, award descriptions, and statistics are illustrations of method and scale. They are not a promise that your claim will be paid, that a premium will match a table, or that a particular benefit exists on your schedule. Projects on the website are composites. Testimonials describe individual experiences.

4. Quotes are not contracts

A figure on the pricing page, a reply to the quote form, or a conversation in live chat is an invitation to explore cover. It becomes a contract only when we or the insurer issue a schedule or a written acceptance and the premium condition in that document is met. Until then, either side may stop the discussion.

Quotes depend on the facts you give us: ages, sums assured, property details, vehicle details, trip plans, business activities, claims history, and health or other declarations the proposal asks for. If a material fact is missing or wrong, the insurer may change the terms, refuse a claim, or treat the policy as if it had not started. “Material” means something a careful insurer would want to know when deciding whether to offer cover and at what price.

Illustrative monthly amounts use a currency symbol for comparison only. Your quotation will name the currency, the frequency, and any taxes or fees that apply to that contract. Do not budget from the website table alone.

5. Eligibility

You must be able to enter a contract and to give information about the people and property you ask us to cover. Where you include another person, such as a family member, a named driver, an employee, or a beneficiary, you confirm that you have a proper reason to share their details and, where required, their permission.

Some covers are unavailable for certain ages, activities, occupations, or property types. We will say so when we know. An online form that accepts your message does not mean the risk is acceptable.

6. Your responsibilities

You agree to give answers that are true, complete, and not misleading, and to update us if something important changes before inception or during the policy. Important changes include, for example, a new regular driver, building works, a change in business activity, a trip that adds a higher-risk activity, or a diagnosis you were asked to declare.

You agree to read the summary we send, including the excess, waiting periods, sub-limits, and exclusions, and to tell us promptly if it does not match what you thought you were buying. Silence after you receive a summary can be treated as acceptance of that illustration for the purpose of preparing documents, though the schedule remains the contract once issued.

You agree not to admit liability for an incident, dispose of damaged property, or authorise major repairs before you have followed the claim steps in your schedule, except where safety or emergency care requires immediate action.

7. Premiums, excesses, and payment

The premium is the price of the transfer of risk described in the schedule. An excess is the amount you bear on a claim. A waiting period is time that must pass before a benefit can be used. A sub-limit is a cap inside a larger benefit. These are not penalties. They are part of the design of the price.

If a premium is unpaid by the date the schedule requires, cover may not start or may lapse. We will not treat a website form as proof of payment. Payment instructions, if any, will be sent with the formal documents and will not ask you to pay into an unnamed account.

Mid-term adjustments, such as adding a driver or increasing a sum assured, may create an additional premium or a return premium. We confirm the amount in writing before we ask you to proceed.

8. Descriptions of cover

Life cover may provide a lump sum, an accelerated benefit on a defined illness, or income protection if a person cannot work under the policy definition. Health cover pays agreed treatment costs inside a benefit table and a care network. Home cover may split buildings, contents, and alternative accommodation. Motor cover may include third-party liability and, if selected, damage to your own car or bike. Travel cover may include emergency medical treatment, curtailment, and baggage, subject to declarations. Business cover may combine liability, property, and interruption.

None of those sentences is your policy. Exclusions for wear and tear, undeclared conditions, illegal activity, war, nuclear risk, gradual deterioration, and other standard limitations are common and will be listed in the wording you receive. If an exclusion matters to the reason you are buying, ask for it to be pointed out before you accept.

9. Claims

A claim is a request to be paid under a schedule for a loss that the wording covers. Tell us as soon as you reasonably can, with the policy name, what happened, when it happened, and the documents the checklist names. We may ask for photographs, invoices, medical reports, repair estimates, or a statement. A loss adjuster, medical examiner, or repair partner may need access.

We aim to explain what appears to be covered, what appears not to be covered, and what excess applies. The decision on payment is made under the schedule and the insurer’s claims authority. A friendly email from an advisor is not an admission that a loss is insured. Fraudulent or exaggerated claims can void cover and may be reported where the law requires.

Cooperation is part of the contract. If information is withheld, the timeline pauses. We will tell you what is missing rather than leave a file silent.

10. Renewals and changes to a policy

Renewal is a new decision, not an automatic right to the same price. We encourage a review of drivers, sums, health changes, and business activities before the renewal date. If you want cover to continue, follow the acceptance steps in the renewal invitation. If you do not, cover ends as that invitation states.

We do not change wording in silence during a term. Endorsements are sent as documents you can keep. If you disagree with an endorsement, write to us before its effective date.

11. Cancellation

You may ask to cancel in line with the cooling-off or cancellation clause in your schedule. Some premiums are earned by time on risk and are not fully refundable. Claims that have been paid, or circumstances that have already occurred, can affect a refund. Cancelling a policy is different from unsubscribing from email notes. Use the unsubscribe page only for notes.

We or the insurer may cancel where the schedule allows, including for non-payment or for a serious breach of a disclosure duty. Notice will be sent to the email address on the policy record.

12. Intellectual property

The Butlington name, shield logo, page designs, text, and original graphics on this website are owned by Butlington or used with permission. You may share links and may print a page for your own household or internal business review. You may not copy the site into another commercial template, scrape it to train a competing service, or remove credit from the logo.

Photographs of people and places are used to illustrate insurance themes. They do not identify real policyholders unless a testimonial gives a name the person agreed to display. You may not reuse those images apart from ordinary browser display of this site.

13. Acceptable use

You must not misuse the website. Misuse includes attempting to break security, probing forms with automated scripts, uploading harmful code, impersonating another person, harvesting emails, or sending content that is unlawful, defamatory, or unrelated spam. We may ignore or block messages that look automated or abusive.

Forms on this website run in your browser so you can check that your details are complete. Do not assume a public network is private. Avoid sending highly sensitive medical attachments until we have agreed a channel.

14. Accounts, forms, and messages

There is no public self-service account on this website. The quote, contact, subscribe, unsubscribe, live chat, and pricing forms ask for the fields marked required. Validation messages are there to help you send a complete note. A success message means the page accepted the completed form. Keep your own copy of anything important you wanted recorded.

We may contact you at the email address you provide about the topic you selected. Marketing notes are sent only if you subscribe, and you may stop them without affecting a policy.

15. Newsletter

Policy notes are optional. Topics you tick describe your preference. We may still send a service message about a quote or claim you asked for, because that message is part of the enquiry rather than the newsletter. Unsubscribing is available from the footer of the website and should be honoured for future notes.

16. Third-party services and links

Pages may link to sharing tools or to fonts and icons loaded from their publishers so the site can display correctly. Those publishers have their own terms. A link is not an endorsement of every page on that service. Insurers, repairers, and clinics named in a future schedule are independent parties whose work is governed by that schedule and by their own engagements.

17. Disclaimers

The website is provided in good faith as an information and enquiry channel. We work to keep pages accurate and current, but cover changes, and a page can lag behind a schedule. To the extent permitted by applicable law, we do not warrant that the site will be uninterrupted or error free, or that illustrative prices will be available to you.

Nothing on the site is tax, legal, or medical advice. Health explanations describe insurance benefits, not treatment. If you need urgent care, seek it first and use the claim checklist afterwards.

18. Limitation of liability

Nothing in these terms limits liability that applicable law does not allow us to limit, including liability for fraud or for death or personal injury caused by negligence where such a limit is prohibited.

Subject to that, Butlington is not liable for indirect or consequential loss arising only from use of the website, such as loss of profit, loss of opportunity, or a decision you took from a general article without a personal recommendation. Our responsibility for a formal piece of advice is the responsibility described in that advice and in the policy documents, not an open-ended duty created by a public webpage.

You are responsible for checking that a downloaded or printed page is the one you meant to rely on, and for keeping copies of schedules we send you.

19. Indemnity

If you submit information about another person or about a business, you will cover Butlington against losses that come from your lack of authority to share that information or from content you knew was false, except to the extent the loss was caused by our own fraud or wilful misconduct.

20. Privacy

Personal information is handled as described in the Privacy Policy, which is linked from the footer. These terms and that policy should be read together. If a policy application authorises an insurer to assess a risk, additional privacy notices from that insurer may also apply, and we will point you to them when they are part of the application.

21. Changes to these terms

We may update these terms as the website and the services evolve. The date at the top will change. The version you see when you submit a form applies to that submission. Policy contracts already issued do not change merely because this page changes. Continued use of the website after an update is acceptance of the new website terms.

22. Severability and whole agreement

If a court finds part of these terms unenforceable, the rest stays in place. These terms, together with the Privacy Policy and any written quote or schedule, are the whole agreement about the subject they each cover. A spoken aside does not amend a schedule. Amendments must be written.

23. Governing approach

Website terms are interpreted under the laws that apply to this publishing of the site, without prejudice to mandatory protections you cannot waive. A contract of insurance is governed by the law and dispute path named in that schedule. We would rather resolve a misunderstanding by email first. Write with the page or clause you are asking about and the outcome you think is fair.

24. Contact about these terms

Questions about these Terms & Services can be sent to hello@butlingtonfeedback.com. Please use the subject “Website terms” so the note reaches the right person. We do not ask you to call or to visit an office in order to raise a question about this page.