CarninghamInsurance BrokersCarninghamInsurance BrokersPlease read these terms carefully before using our website or requesting a quote.
Last updated: 2026
By accessing or using this website, or by submitting a quote request, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use this website.
Carningham Insurance Brokers is a licensed, independent insurance broker based in Francistown, Botswana, accredited to place business with Botswana Life Insurance Limited and regulated by the Non-Bank Financial Institutions Regulatory Authority (NBFIRA) under registration number [NBFIRA REGISTRATION NUMBER]. We act as an intermediary between you and insurers. We are not the insurer, and any policy you take out is a contract between you and the relevant insurance provider.
This website is provided for general information about our services and to allow you to request quotes or contact us. You agree to use it only for lawful purposes and not to submit false, misleading, or fraudulent information through any form on this site. You also agree not to attempt to disrupt, damage, or gain unauthorised access to this website or the systems behind it.
Any quote requested or provided through this website is indicative only, does not constitute cover, and creates no obligation on either party. Cover only begins once a policy has been formally issued by the relevant insurer and any required premium has been paid, in accordance with that insurer's own terms and conditions.
We aim to keep the information on this website accurate and up to date, but insurance products, rates, and terms can change. Nothing on this site should be treated as a substitute for the actual policy wording issued by an insurer, which will always take precedence.
Where we refer you to, or place business with, third party insurers, those insurers' own terms, conditions, and privacy practices will apply to your policy. We are not responsible for the content or practices of third party websites linked from this site.
We aim to keep this website available and functioning correctly, but it is provided on an "as available" basis without any guarantee of uninterrupted or error-free access. The website may occasionally be unavailable due to maintenance, technical issues, or circumstances affecting our hosting or other service providers. Neither Carningham Insurance Brokers nor the website's developer guarantees continuous availability, and we are not liable for any loss arising from the website being temporarily unavailable.
To the fullest extent permitted by law, Carningham Insurance Brokers will not be liable for any indirect, incidental, or consequential loss arising from your use of this website. Nothing in these terms limits any liability that cannot be excluded under Botswana law.
You agree to indemnify and hold Carningham Insurance Brokers harmless against any claim, loss, or expense arising from false, misleading, or fraudulent information you submit through this website, or from your misuse of this website contrary to Section 3 above.
Neither Carningham Insurance Brokers nor the website's developer will be liable for any failure or delay in the operation of this website caused by circumstances beyond our reasonable control, including outages or failures of third party hosting, domain, email, or internet service providers.
All content on this website, including text, graphics, and logos, is the property of Carningham Insurance Brokers unless otherwise stated, and may not be reproduced without our prior written consent.
This website was developed and is maintained on behalf of Carningham Insurance Brokers by CAPOtech Solutions. CAPOtech Solutions is not an insurer or insurance broker, is not responsible for the accuracy of insurance related content on this site, and has no involvement in any policy, claim, or transaction between you and Carningham Insurance Brokers or its underwriters. References to "we", "us", and "our" throughout these terms refer to Carningham Insurance Brokers, not its website developer, except where this section says otherwise.
Any personal information you submit through this website, including via the quote request form, is handled in accordance with our Privacy Policy.
These terms are governed by the laws of Botswana. Any disputes arising from your use of this website will be subject to the jurisdiction of the courts of Botswana.
We may update these Terms of Service from time to time. Continued use of this website after changes are posted constitutes acceptance of the revised terms.
If you have questions about these terms, please contact us at carningham@btcmail.co.bw or visit us at Plot 1881 Lobengula Avenue, CBD, Francistown, Botswana.