Terms and Conditions of Use of this Website:

The domain www.cnpsantander.com is owned by Santander UK PLC and it is operated and maintained by Deloitte Consulting SLU on behalf of CNP Santander Insurance Europe DAC and CNP Santander Insurance Life DAC. The domain, materials and all of the information provided on this Website are collectively referred to as “the Website”.

Our general website Terms and Conditions (“the Terms”) govern the use of this website and are set out below.

By accessing or using the website www.cnpsantander.com (“the Website”), you agree that you consent to the Terms set out on this Website in full. Therefore, please read these Terms carefully before you use this Website. If you do not agree to these Terms, you should not use this Website.

This website relates to the following companies:

CNP Santander Insurance Europe DAC – registered in Ireland under Company Registration Number 488062. Registered Office: Three Park Place, Hatch Street, Dublin 2, Ireland D02 FX65 and

CNP Santander Insurance Life DAC – registered in Ireland under Company Registration Number 488063. Registered Office: Three Park Place, Hatch Street, Dublin 2, Ireland D02 FX65,

Collectively referred to as “CNP Santander Insurance”. For the avoidance of doubt, “we” and “our” also refers to CNP Santander Insurance.

CNP Santander Insurance Europe DAC and CNP Santander Insurance Life DAC are regulated by the Central Bank of Ireland.

Please see the “Contact us” page of this website for details of how to contact the companies.

Applicability of these Terms and Conditions

By using the Website, you agree to be legally bound by these Terms, just as if you had signed them. You can unilaterally terminate your relation with CNP Santander Insurance by stopping accessing and using the Website at any time and for any reason.

Website provided “as is”:

The information on this Website does not constitute an offer and is provided as a service to Website visitors. While we endeavour to ensure that the information is accurate and complete we do not guarantee such and therefore the information should be used for information purposes only.

You acknowledge and agree that while all reasonable efforts have been made to ensure that the information on this website was accurate at the time of its being placed on the Website, the information is provided only on an "as is" basis to the fullest extent permitted by applicable Law and as outlined below.

You should review our Privacy Statement which is incorporated into these Terms by reference.


The Website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by CNP Santander Insurance of the content on such third party websites. CNP Santander Insurance is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. The existence of these links does not entail that there is any kind of relation between CNP Santander Insurance and the owners of the third party websites. If you decide to access linked third party websites, you do so at your own risk and in accordance with the prevailing terms and conditions and privacy policies of such third party sites. WE RECOMMEND CHECKING SUCH TERMS AND CONDITIONS AND PRIVACY POLICIES BEFORE ACCESSING THIRD PARTY WEBSITES.

Access to Website and User Conduct

This Website is intended solely for personal use. Information, data or other material on this Website may not be used for commercial purposes. In particular use of any automated system or software to extract any information, data, materials, including claims related information from this Website (“screen scraping”) or similar illegal activities is prohibited. CNP Santander Insurance authorises you to view and download the information ("Materials") on this Website for your individual use only. This authorisation is not a transfer of title in the Materials and copies of the Materials are subject to the following restrictions:

By continuing to use this Website agree to abide by all additional restrictions displayed on this Website as it may be updated from time to time.

CNP Santander Insurance owns the copyright and any other rights in all Materials on this Website and other Materials as indicated, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all worldwide copyright laws in your use of this Website and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, CNP Santander Insurance does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

You agree not to use the Website or cause or permit the Website to be used:

To the extent permitted by applicable law, we reserve the right to suspend, withdraw or deny users access to this Website or any part of it at any time without notice and to decline to provide the service to any users that are in breach of these Website Terms.


Disclaimers of warranties and exclusion of liability

You acknowledge and agree that:

Consequently, CNP Santander Insurance excludes liability for any direct, indirect, special or consequential loss or damage arising out of errors or omissions contained in this Website or for the inability to use this Website. You expressly understand and agree that (to the fullest extent permitted by law) CNP Santander Insurance shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or any other indirect damages whatsoever, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), arising out of, or resulting from your use of, or the inability to use, the Website.

Further, you agree that CNP Santander Insurance will not be liable to you or any third party if CNP Santander Insurance terminates your access to this Website, and the services or Materials thereon, for any reason.

For the avoidance of any doubt, CNP Santander cannot be held liable for any damage to your computer equipment arising from the use of this Website. This does not affect our liability for any consequence that cannot be excluded by applicable law.

These disclaimers apply to the fullest extent permitted by law.

Intellectual Property:

Unless we have clearly stated otherwise, all intellectual property rights contained in this Website are our property. These include (but are not limited to) copyright in the information, graphics, images, and text contained in this Website. You may not copy or distribute our Website, except for your own personal use, in whole or in part, without our prior written consent. All CNP Santander Insurance trademarks referenced on our website are trademarks (registered or otherwise) which belong to CNP Santander Insurance and the groups to which it forms part of in Ireland and/or other countries. You may not use such trademarks without the prior written consent of CNP Santander Insurance and/or the groups to which it forms a part of in Ireland and/or other countries as applicable. Other product and company names reproduced on our Website may be the trademarks (registered or otherwise) of their respective owners.

CNP Santander Insurance does not warrant or declare that the use of material on this Website does not violate the rights of third parties.

Applicable Law and Jurisdiction

This website is established according to and is subject to the laws of the Republic of Ireland. In the event of any dispute all parties shall be bound exclusively to the jurisdiction of the courts of the Republic of Ireland. You hereby unconditionally and irrevocably submit to the exclusive jurisdiction of the Irish courts.

If a competent authority finds any or part of these Website Terms invalid, unlawful, void or unenforceable to any extent, we shall delete the relevant term or part from the remaining Terms which shall continue to be valid and enforceable to the fullest extent permitted by Irish law.

No act, omission or delay by us shall be a waiver of our rights or remedies under these Website Terms and Conditions unless otherwise agreed in writing by us.

Ownership of information transmitted to CNP Santander Insurance and Information Provided by You

In order to use certain services on this Website, you may be required to first register with us. You agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Website. If any information you provide is untrue, inaccurate, incomplete or not current, or if CNP Santander Insurance has reasonable grounds to suspect that such information is untrue, inaccurate, incomplete or not current, CNP Santander Insurance, in its sole discretion, has the right to suspend or terminate your access to this Website.

You grant CNP Santander Insurance an unrestricted, worldwide, royalty-free, non-exclusive, transferable license, for as long as permitted by the applicable laws, to use, reproduce, display, publicly perform, transmit, distribute and sub-license to others all information, for example, data, questions, comments and suggestions, including any ideas, concepts, knowledge and techniques contained or described in the correspondence, transmitted to CNP Santander Insurance via this Website, via email, electronically or by other means, for commercial purposes (with the exception of personal data and personal information). You further agree that CNP Santander Insurance is free to use, and allow others to use, any ideas, concepts or know-how that you or individuals acting on your behalf provide to CNP Santander Insurance.

Except for the information submitted by you during the registration process or specifically requested by us during the use of any other service offered through this Website, we do not wish nor recommend that you submit any confidential or proprietary information to CNP Santander Insurance via this Website.

You further recognise that we do not wish nor recommend that you, and you warrant that you shall not, provide any information or materials to CNP Santander Insurance that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

CNP Santander Insurance will only use your personal data and personal information in accordance with the Privacy Statement posted on this Website


Notices from CNP Santander Insurance to registered users regarding their use of this Website, the Services and Materials will be made by e-mail. In all cases notices regarding a change in the Privacy Statement or these Terms and Conditions will be posted on this Website.

General Terms

CNP Santander Insurance reserves the right, at its sole discretion, to change, modify, add or remove any portion of these Terms in whole or in part, at any time without notice. You will be notified of such changes, and, where appropriate, will be given sufficient advance notice. Your access and use of the Website, the services and Materials after having been notified of these changes will mean your acceptance of such changes. Therefore, if you do not agree with those changes, you should stop accessing and using the Website.


Your access and use of the Website will be governed by the Terms that are in force in the moment that such access and use take place (provided you have been notified of them).

CNP Santander Insurance may terminate, change, suspend or discontinue any aspect of this Website, including the availability of any features of this Website, at any time without notice. CNP Santander Insurance may also impose limits on certain features and services or restrict your access to all or parts of this Website without notice or liability. CNP Santander Insurance may terminate the authorisation, rights and license given above. These provisions apply to the fullest extent permitted by the applicable law.

These Terms, the Privacy Statement and any of the additional terms referred to under pages of the Website constitute the entire agreement between You and CNP Santander Insurance in connection with your access to and use of this Website. If for any reason an arbitrator or a court of competent jurisdiction finds any provision of these Terms or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to make effective the intent of these Terms, and the remainder of the Terms shall continue in full force and effect. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms will survive.

Data Privacy and Security

CNP Santander Insurance respects and protects the privacy of the individuals who access this Website and use its facilities and / or services. For full details of the manner in which CNP Santander Insurance uses personal data, please read our Privacy Statement which is hereby incorporated into and form part of these Terms by reference.

Contact Us

If you have any queries with respect to the above Terms of use of this Website, please direct them to compliancereporting@cnpsantander.com