Important Information

This section provides important information about the statements and descriptions used across this website. It applies to all pages including any references to potential benefits such as improved speed, efficiency, reduced friction, "less risk", "faster decisions", or similar outcomes. Any statements on this website that describe improvements or benefits are intended as general, high-level descriptions of potential outcomes. Actual results will vary depending on a range of factors, which may include (without limitation):

  • the nature and complexity of the risk
  • the quality, completeness and timeliness of information provided
  • required checks (including compliance, sanctions, delegated authority requirements and other validations)
  • partner workflows and resourcing
  • third-party systems, integrations, and data sources
  • regulatory requirements and market conditions

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Nothing on this website is a promise or guarantee of:

  • turnaround times or speed of response
  • underwriting decisions
  • coverage being offered or bound
  • pricing, capacity or terms
  • claims outcomes or claims handling timelines
  • financial performance or any commercial outcome

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Where you see statements describing benefits (e.g., "reduced friction", "faster turnaround", "better visibility", "reduced operational risk"), please read them as: describing an intended design outcome, not a guaranteed result; and dependent on the context of each submission, workflow, and partner environment.

If you have questions about any statement on this website or need clarification, please contact us at: info@cruxunderwriting.com.

Duty of disclosure

When obtaining insurance, please supply all information requested by insurers accurately and to the best of your knowledge. Inaccurate information could result in a claim not being paid, or may affect the cover insurers provide to you. Crux provides no advice nor any personal recommendations about the insurance products we offer.

Complaints notice

Crux is committed to providing high-quality insurance cover. If you wish to make a complaint, please contact:

E-mail: kaj.pankhania@dastrategy.com
Telephone: 07825 707 831

We will try to put it right. In the event that you remain dissatisfied, it may be possible in certain circumstances for you to refer the matter to the Complaints team at Lloyd's.

The address of the Complaints team at Lloyd's is:

Complaints Lloyd's, One Lime Street, London, EC3M 7HA

Telephone: 020 7327 5693

Fax: 020 7327 5225

E-mail: complaints@lloyds.com 

Website: www.lloyds.com/complaints 

Details of Lloyd's complaints procedures are set out in a leaflet "Your Complaint - How We Can Help" available at www.lloyds.com/complaints and are also available from the above address.

If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS) which is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can contact FOS here:

Exchange Tower, London E14 9SR. Telephone 0800 023 4567 (calls to this number are free from "fixed lines" in the UK) or 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK). Email complaint.info@financial-ombudsman.org.uk. More information is available at www.financial-ombudsman.org.uk.

Intellectual property

The Crux website and its content is entirely the property of Crux Underwriting Limited. It is protected by the copyright laws of the United Kingdom. This website must not be used for any reason other than the purposes of obtaining information about our services.

We reserve the right to modify the content or format of this website at any time.

We accept no liability for any coincidental damage, either temporary or permanent, occurring to either electronic equipment or software that might occur whilst using our website.

Governing law and jurisdiction

By using, and continuing to use, this website you acknowledge that you accept the above terms and any updates we make to them. These terms are governed by the law of England and Wales and subject to the jurisdiction of the courts of England and Wales.