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Terms & Conditions

CONDITIONS FOR HIRE AND SALE OF PRODUCTS TO CONSUMERS AND BUSINESSES

1. INTERPRETATION
1. In these conditions the following words have the following meanings:
“Consumer​” an individual acting for purposes which are wholly or mainly outside that
individual’s trade, business, craft or profession;
“Contract​” means a contract which incorporates these conditions and made between
the Customer and the Supplier for the hire or sale of Goods;
“Customer​” means the person, firm, company or other organisation hiring Hire Goods
or purchasing Sale Goods;
“Deposit​” means any advance payment required by the Supplier in relation to the Hire
Goods which is to be held as security by the Supplier;
“Digital Content”​ means data which is produced and supplied in digital form;
“Force Majeure​” means any event outside a party’s reasonable control including but
not limited to acts of God, war, flood, fire, labour disputes, strikes, sub-contractors,
lock-outs, riots, civil commotion, malicious damage, explosion, terrorism, governmental
actions and any other similar events;
“Goods​” means any machine, article, tool, and/or device together with any accessories
specified in a Contract which are hired or sold to the Customer;
“Hire Goods​” means any Goods which are hired to the Customer;
“Hire Period​” means the period commencing when the Customer holds the Hire Goods
on hire (including Saturdays Sundays and Bank Holidays) and ending upon the
happening of any of the following events:
(i) the physical return of the Hire Goods by the Customer into the Supplier’s
possession; or
(ii) the physical repossession or collection of Hire Goods by the Supplier;
“Liability​” means liability for any and all damages, claims, proceedings, actions,
awards, expenses, costs and any other losses and/or liabilities;
“Rental​” means the Supplier’s charging rate for the hire of the Hire Goods which is
current from time to time during the Hire Period;
“Sale Goods​” means any Goods which are sold to the Customer;
“Supplier​” means [Business Address Here] at the address stated at the end of these
terms and will include its employees, servants, agents and/or duly authorised
representatives;
“Services​” means the services and/or work (if any) to be performed by the Supplier for
the Customer in conjunction with the hire or sale of Goods including any delivery and/or
collection service in respect of the Goods.

1. BASIS OF CONTRACT
1. Goods are hired or sold subject to them being available for hire or sale to
the Customer at the time required by the Customer. The Supplier will not
be liable for any loss suffered by the Customer as a result of the Goods
being unavailable for hire or sale where the Goods are unavailable due to
circumstances beyond the Supplier’s control.
2. Where hire of the Hire Goods is to a Customer who is an individual,
unincorporated entity or a two (2) or three (3) partner business, and the
hire would be covered by the Consumer Credit Act 1974, the duration of
the Hire Period shall not exceed 3 months, after which time the Contract
shall be deemed to have automatically terminated. Accordingly the hire of
any Hire Goods is not covered by the Consumer Credit Act 1974. In such
circumstances, the Customer shall return the Hire Goods to the Supplier
on the final day of the 3 month Hire Period. If the Customer fails to do
this then it shall be liable for any financial loss which this causes the
Supplier.
3. Nothing in this Contract shall exclude or limit any statutory rights of the
Customer which may not be excluded or limited due to the Customer
acting as a Consumer. Where the Customer is acting as a Consumer any
provision which is marked with an asterisk (*) may, subject to
determination by the Courts or any applicable legislation, have no force or
effect and if any provision is under the applicable law of the Contract
unenforceable in whole or in part or shall have no force or effect the
Contract shall be deemed not to include such provisions but this shall not
effect the enforceability of the remainder of the Contract. For further
information about your statutory rights contact your local authority
Trading Standards Department or Citizens Advice Bureau or if based in
the Republic of Ireland your local office of the Director of Consumer Affairs
or Citizens Information Centre.

2. FAULTY GOODS, DIGITAL CONTENT AND/OR SERVICES
1. Where the Customer deals as a Consumer, the Supplier is under a legal duty
to supply Goods, Digital Content and Services that are in conformity with the
contract between the parties. In such circumstances, the Customer has legal
rights in relation to Goods and Digital Content that are, for example, faulty or
not as described and in relation to Services that are, for example, not carried
out with reasonable skill and care, or if the materials used to carry out the
Services are faulty or not as described.
2. Advice about Customers’ legal rights where they deal as a Consumer is
available from their local Citizens' Advice Bureau or Trading Standards
office. Nothing in these conditions will affect these legal rights.

1. PAYMENT
1. The amount of any Deposit, Rental, monies for Sale Goods and/or charges
for any Services shall be as quoted to the Customer or otherwise as
shown in the Supplier’s current price list from time to time. Where a
Deposit is required for the Hire Goods it must be paid in advance of the
Customer hiring the Hire Goods. The Supplier may also require an initial
payment on account of the Rental in advance of the Customer hiring the
Hire Goods.
2. The Customer shall pay the Deposit, Rental, charges for any Services,
monies for any Sale Goods and/or any other sums payable under the
Contract to the Supplier at the time and in the manner agreed. The
Supplier’s prices are, unless otherwise stated, exclusive of any applicable
VAT for which the Customer shall additionally be liable.
3. Payment by the Customer on time under the Contract is an essential
condition of the Contract. Payment shall not be deemed to be made until
the Supplier has received either cash or cleared funds in respect of the full
amount outstanding.
4. *​If the Customer fails to make any payment in full on the due date the
Supplier may charge the Customer interest (both before and after
judgment/decree) on the amount unpaid at the rate implied by law under
the Late Payment of Commercial Debts (Interest) Act 1998 (where
applicable) or at the rate of 4% above the base rate from time to time of
the Supplier’s bank whichever is higher.
5. *​The Customer shall pay all sums due to the Supplier under this Contract
without any set-off, deduction, counterclaim and/or any other withholding
of monies.
6. The Supplier may set a reasonable credit limit for the Customer. The
Supplier reserves the right to terminate or suspend the Contract for hire
of the Hire Goods and/or the provision of Services if allowing it to
continue would result in the Customer exceeding its credit limit or the
credit limit is already exceeded.
7. The Supplier reserves the right to store the Customer’s credit card details
on its password protected customer account system and further reserves
the right to use such details against future Rentals made by the
Customer.

2. RISK, OWNERSHIP AND INSURANCE
3. Risk in the Goods will pass immediately to the Customer when they leave the
physical possession or control of the Supplier.
1. Risk in the Hire Goods will not pass back to the Supplier from the
Customer until the Hire Goods are back in the physical possession of the
Supplier. This shall apply even if the Supplier has agreed to cease
charging the Rental.
2. Ownership of the Hire Goods remains at all times with the Supplier. The
Customer has no right, title or interest in the Hire Goods except that they
are hired to the Customer. Ownership of any Sale Goods remains with the
Supplier until all monies payable to the Supplier by the Customer for the
Sale Goods have been paid in full.
3. Until ownership in the Sale Goods passes to the Customer, the Customer
shall:-
4. hold the Sale Goods on a fiduciary basis as the Supplier's bailee;
5. maintain the Sale Goods in satisfactory condition; and
6. keep the Sale Goods insured against all risks for their full price from the
time they leave the physical possession or control of the Supplier.
7. The Customer must not deal with the ownership or any interest in the Hire
Goods. This includes but is not limited to selling, assigning, mortgaging,
pledging, charging, securing, hiring, withholding, exerting any right to
withhold, disposing of and/or lending. However the Customer may re-hire
the Hire Goods to a third party with the prior written consent of the
Supplier.
8. The Supplier may provide reasonably priced insurance in respect of the
Hire Goods at an additional cost to the Rental. Alternatively the Supplier
may require the Customer to insure the Hire Goods for such reasonable
risks as the Supplier may specify and any proceeds of any such insurance
shall be paid to the Supplier on demand. The Customer must not
compromise any claim in respect of the Hire Goods and/or any associated
insurance without the Supplier’s written consent.

9. DELIVERY, COLLECTION AND SERVICES
1. It is the responsibility of the Customer to collect the Goods from
the Supplier, and, in the case of Hire Goods, return them to the
Supplier at the end of the Hire Period. If the Supplier agrees to
deliver Goods to and/or collect the Hire Goods from the Customer it
will do so at its standard delivery cost and such delivery and/or
collection will form part of the Services.
2. If the Supplier agrees to collect the Hire Goods from the Customer
at the end of the Hire Period the Customer must give the Supplier
reasonable notice which shall include at least three (3) working
days’ notice from the end of the Hire Period. The Customer shall
remain responsible and liable for any loss, damage or theft to the
Hire Goods until the Hire Goods are collected by the Supplier unless
the Supplier fails to collect the Hire Goods within 5 working days of
the Customer notifying the Supplier that the Hire Goods are ready
for collection whereupon the Supplier shall be liable for any loss,
damage or theft thereafter. Where the Supplier provides Services
the persons performing the Services are servants of the Customer
and once the Customer instructs such person they are under the
direction and control of the Customer. The Customer shall be solely
responsible for any instruction, guidance and/or advice given by
the Customer to any such person and for any damage which occurs
as a result of such persons following the Customer’s instructions,
guidance and/or advice except to the extent that the persons
performing the Services are found to be negligent by a court with
jurisdiction to make such finding pursuant to clause 14.8.The
Customer will allow and/or procure sufficient access to and from
the relevant site and procure sufficient unloading space, facilities,
equipment and access to utilities for the Supplier’s employees, subcontractors
and/or agents to allow them to carry out the Services.
The Customer will ensure that the site where the Services are to be
performed is, where necessary, cleared and prepared before the
Services are due to commence.
3. If any Services are delayed, postponed and/or are cancelled due to
the Customer failing to comply with its obligations the Customer
will be liable to pay the Supplier’s additional standard charges from
time to time for such delay, postponement and/or cancellation
except where the Customer is acting as a Consumer and the delay
is due to a Force Majeure event.

10.CARE OF HIRE GOODS
1. The Customer shall:
1. not remove any labels from and/or interfere with the Hire
Goods, their working mechanisms or any other parts of them
and shall take reasonable care of the Hire Goods and only
use them for their proper purpose in a safe and correct
manner in accordance with any operating and/or safety
instructions provided or supplied to the Customer;
2. notify the Supplier immediately after any breakdown, loss
and/or damage to the Hire Goods;
3. take adequate and proper measures to protect the Hire
Goods from theft, damage and/or other risks;
4. notify the Supplier of any change of its address and upon
the Supplier’s request provide details of the location of the
Hire Goods;
5. permit the Supplier at all reasonable times and upon
reasonable notice to inspect the Hire Goods including
procuring access to any property where the Hire Goods are
situated;
6. keep the Hire Goods at all times in its possession and control
and not to remove the Hire Goods from the country where
the Customer is located and/or the country where the
Supplier is located without the prior written consent of the
Supplier;
7. be responsible for the conduct and cost of any testing,
examinations and/or checks in relation to the Hire Goods
required by any legislation, best practice and/or operating
instructions except to the extent that the Supplier has
agreed to provide them as part of any Services;
8. not do or omit to do anything which the Customer has been
notified will or may be deemed to invalidate any policy of
insurance related to the Hire Goods;
9. not continue to use Hire Goods where they have been
damaged and will notify the Supplier immediately if the Hire
Goods are involved in an accident resulting in damage to the
Hire Goods, other property and/or injury to any person; and
10.where the Hire Goods require fuel, oil and/or electricity
ensure that the proper type and/or voltage is used and that,
where appropriate, the Hire Goods are properly installed by
a qualified and competent person.
11.ensure that any employees, agents or contractors that
operate the Hire Goods are, if applicable, adequately and
sufficiently qualified and trained to operate the Hire Goods in
accordance with all current and applicable legislation.
2. The Hire Goods must be returned by the Customer in good working
order and condition (fair wear and tear excepted) and in a clean
condition together with all insurance policies, licences, registration
and other documents relating to the Hire Goods.

11.BREAKDOWN
1. Allowance may be made in relation to the Rental to the Customer
for any non-use of the Hire Goods due to breakdown caused by the
development of an inherent fault and/or fair wear and tear on
condition that the Customer informs the Supplier as soon as
practicable of the breakdown and the Supplier is unable to repair or
replace the Hire Goods within a reasonable time.
2. The Customer shall be responsible for all expenses, loss (including
loss of Rental) and/or damage suffered by the Supplier arising from
any breakdown of the Hire Goods due to the Customer’s
negligence, misdirection and/or misuse of the Hire Goods.
3. The Supplier will at its own cost carry out all routine maintenance
and repairs to the Hire Goods during the Hire Period and all repairs
which are required due to fair wear and tear and/or an inherent
fault in the Hire Goods. The Customer will be responsible for the
cost of all repairs necessary to Hire Goods during the Hire Period
which arise otherwise than as a result of fair wear and tear, an
inherent fault and/or the negligence of the Supplier while carrying
out routine maintenance and/or repairs.
4. The Customer must not repair or attempt to repair the Hire Goods
unless authorised to do so in writing by the Supplier.

12.LOSS OR DAMAGE TO THE HIRE GOODS
1. If the Hire Goods are returned in damaged, unclean and/or defective state
except where due to fair wear and tear and/or an inherent fault in the
Hire Goods, the Customer shall be liable to pay the Supplier for the cost of
any repair and/or cleaning required to return the Hire Goods to a
condition fit for re-hire and to pay the Rental, in accordance with the
provisions of clause 8.3, until such repairs and/or cleaning have been
completed.
2. In respect of any Hire Goods which are lost, stolen or damaged beyond
economic repair during the Hire Period the Customer will:-
1. pay to the Supplier the new replacement cost for any Hire Goods
less than twelve (12) months old from first registration; and/or
2. reimburse the Supplier for any loss or costs suffered or incurred by
the Supplier for any Hire Goods more than twelve (12) months old
from first registration, less the amount paid to the Supplier under
any policy of insurance and/or Deposit in respect of the Hire Goods.
3. The Customer shall remain liable to pay the Rental for the Hire Goods up
to and including the date it notifies the Supplier that the Hire Goods have
been lost, stolen and/or damaged beyond economic repair.
4. In addition to the obligation in clause 9.3 to pay the Rental, from the date
the Customer notifies the Supplier that the Hire Goods have been lost,
stolen and/or damaged beyond economic repair until the date the
Customer makes a payment to the Supplier for the replacement of the
Hire Goods in accordance with clause 9.2 (“Lost Rental Period​”), the
Customer shall pay, as a genuine pre-estimate of lost rental profit, a sum
as liquidated damages being equal to two thirds of the Rental that would
have applied for such Hire Goods during the Lost Rental Period. The
Supplier shall use its reasonable commercial endeavours to purchase
replacements for such Hire Goods as quickly as possible once it has
received payment from the Customer under clause 9.2 above.

STATUTORY CANCELLATION RIGHT FOR CONSUMERS
1. The provisions of this clause 10 only apply to Customers who are a
Consumer for the purpose of any hire or purchase from the Supplier.
2. Subject to clauses 10.4 and 10.5, in the case of all Contracts for Sale
Goods and those Contracts for Hire Goods where the Hire Period does not
have a fixed duration, the Customer shall, in accordance with its rights
under the Consumer Contracts (Information, Cancellation and Additional
Charges) Regulations 2013, have the right to cancel the Contract by
writing to the Supplier at the address stated at the end of these terms,
without incurring any charge or Liability within 14 days of the day
following the date on which the Goods come into the physical possession
of the Customer.
3. Where a Customer exercises its right to cancel under clause 10.1 and has
made payments in advance for Goods and/or Services that have not been
provided to it, then the Supplier will refund these amounts to the
Customer:
1. within 14 days of receipt of the Goods which have been returned by
the Customer; or
2. (if earlier) within 14 days after the day the Customer provides
evidence that they have returned the Goods; or
3. if no Goods have been provided by the Supplier, 14 days after the
day on which the Supplier is informed of the Customer’s decision to
cancel the Contract.
4. Where the Customer deals as a Consumer and requests in writing that the
Supplier begins provision of the Services within the cancellation period set
out in clause 10.1, then the Customer’s right to cancel the Contract
without incurring any charge or Liability will expire once the Supplier has
completed the provision of the Services. If the Customer cancels the
Contract once the Supplier has begun to provide the Services it shall be
liable for all costs reasonably incurred by the Supplier in providing the
Services up to the point the Supplier is informed of the Customer’s
decision to cancel the Contract.
5. Where the Contract is with a Consumer and:
1. is for the supply of accommodation, transport of goods, vehicle
rental services, catering or services related to leisure activities; and
2. provides for a specific date or period of performance,
the Consumer will not have a right to cancel the Contract without incurring any charge
or Liability to the Supplier.
1. Where a Customer cancels the Contract under this clause 10, it shall
return any Goods which the Supplier has provided to it at its own cost,
unless otherwise expressly agreed in writing.

1. TERMINATION BY NOTICE
1. If the Hire Period has a fixed duration, then subject to the provisions of
clause 12 neither the Customer nor the Supplier shall be entitled to
terminate the Contract before the expiry of that fixed period unless
agreed with the other party.
2. If the Hire Period does not have a fixed duration either of the Customer or
the Supplier is entitled to terminate the Contract upon giving to the other
party any agreed period of notice.
3. If no period of notice has been agreed or specified the Customer may
terminate the Hire Period by the physical return of
1. the Hire Goods to the Supplier.
2. If no period of notice has been agreed or specified either
party shall be entitled to terminate the hire of the Hire
Goods by giving not less than 14 days’ notice to the other.
3. The rights set out in this clause 11 are in addition to any
rights the Customer may have under clause 10 (and any
other legal rights).

DEFAULT
1. If the Customer:-
fails to make any payment to the Supplier when due
without just cause;
breaches the terms of the Contract and, where the
breach is capable of remedy, has not remedied the
breach within 14 days of receiving notice requiring
the breach to be remedied;
persistently breaches the terms of the Contract;
provides incomplete, materially inaccurate or
misleading facts and/or information in connection
with the Contract;
pledges, charges or creates any form of security over
any Hire Goods or proposes to compound with its
creditors, creates a trust deed for its creditors,
applies for an interim moratorium in respect of claims
and/or proceedings, any distress/diligence, execution
or other legal process is levied on any property of the
Customer, has a bankruptcy petition/petition for
sequestration presented against it or the Customer
takes or suffers any similar action in any jurisdiction;
being a company, ceases or threatens to cease to
carry on business, enters into voluntary or
compulsory liquidation, has a receiver, administrator
or administrative receiver or in the Republic of Ireland
an examiner appointed over all or any of its assets,
any attachment order/arrestment is made against the
Customer, any distress/diligence, execution or other
legal process is levied on any property of the
Customer or the Customer takes or suffers any
similar action in any jurisdiction;
appears to the Supplier (acting reasonably) due to
the Customer’s credit rating to be financially
incapable of meeting its obligations under the
Contract; and/or
appears to the Supplier (acting reasonably) to be
about to suffer any of the above events;
4. then the Supplier shall have the right, without prejudice to any other
remedies, to exercise any or all of the rights set out in clause 12.2below.
1. If any of the events set out in clause 12.1 above occurs in
relation to the Customer then:-
except where the Customer is acting as a Consumer
the Supplier may enter, without prior notice, any
premises of the Customer (or premises of third
parties with their consent) where Goods owned by the
Supplier may be and repossess any Goods;
the Supplier may withhold the performance of any
Services and cease any Services in progress under
this and/or any other Contract with the Customer;
the Supplier may immediately cancel, terminate
and/or suspend without Liability to the Customer the
Contract and/or any other contract with the
Customer; and/or
*​all monies owed by the Customer to the Supplier
shall immediately become due and payable.
2. Any repossession of the Goods shall not affect the Supplier’s
right to recover from the Customer any monies due under
the Contract and/or any damages in respect of any breach
which occurred prior to repossession of the Goods.
3. Upon termination of the Contract the Customer shall
immediately:-
return the Goods to the Supplier or, as requested by
the Supplier, make the Goods available for collection
by the Supplier or its authorised representatives (the
Customer granting or procuring for the Supplier or its
authorised representative the right to enter the site
without trespass) ; and
pay to the Supplier all arrears for Rentals, Charges
for any Services, monies for any Sale Goods and/or
any other sums payable under the Contract including,
but not limited to, the cost of returning the Goods.

LIMITATIONS OF LIABILITY
1. *​All warranties, representations, terms, conditions and
duties implied by law relating to fitness, quality and/or
adequacy are excluded to the fullest extent permitted by
law.
2. *​If the Supplier is found to be liable in respect of any loss or
damage to the Customer’s property the extent of the
Supplier’s Liability will be limited to the retail cost of
replacement of the damaged property.
3. Any defective Goods must be returned to the Supplier for
inspection if requested by the Supplier before the Supplier
will have any Liability for defective Goods.
4. *​The Supplier shall have no Liability to the Customer if,
without just cause, any monies due in respect of the Goods
and/or the Services have not been paid in full by the due
date for payment.
1. Nothing in this Contract shall exclude or limit
the Liability of the Supplier for fraud, death or
personal injury due to the Supplier’s
negligence, nor exclude or limit any other type
of Liability which it is not permitted to exclude
or limit as a matter of law.

GENERAL
1. Upon termination of the Contract the
provisions of clauses 4.2, 4.4, 4.5, 7, 8, 9.1,
9.3 and shall continue in full force and effect.
2. Each hire of an item of Hire Goods shall form a
distinct Contract which shall be separate to any
other Contract relating to other Hire Goods.
3. The Customer shall be liable for the acts
and/or omissions of its employees, agents,
servants and/or subcontractors as though they
were its own acts and/or omissions under this
Contract.
4. When dealing as a Consumer, if the Customer
has any questions or complaints it may contact
the Supplier by telephoning its customer
service team on 01777 704080 or by e-mail it
at info@countryoakframes.co.uk
5. *​The Customer agrees to indemnify and keep
indemnified the Supplier against any and all
losses, lost profits, damages, claims, costs
(including legal costs on a full indemnity
basis), actions and any other losses and/or
liabilities suffered by the Supplier and arising
from or due to any breach of contract, any
tortious/delictual act and/or omission and/or
any breach of statutory duty by the Customer.
6. *​No waiver by the Supplier of any breach of
this Contract shall be considered as a waiver of
any subsequent breach of the same provision
or any other provision. If any provision is held
by any competent authority to be
unenforceable in whole or in part the validity of
the other provisions of this Contract and the
remainder of the affected provision shall be
unaffected and shall remain in full force and
effect.
7. The Supplier shall have no Liability to the
Customer for any delay and/or
non-performance of a Contract to the extent
that such delay is due to any Force Majeure
events. If the Supplier is affected by any such
event then time for performance shall be
extended for a period equal to the period that
such event or events delayed such
performance.
8. All third party rights are excluded and no third
parties shall have any rights to enforce the
Contract by virtue of the Contracts (Rights of
Third Parties) Act 1999. This shall not apply to
any finance company with whom the Supplier
has an outstanding finance agreement relating
to the Hire Goods. Such finance company shall,
subject to the Supplier’s consent, have the
right to enforce this Contract as if they were
the Supplier.
This Contract is governed by and interpreted in accordance with the law of the country
where the Supplier is located and that country will have exclusive jurisdiction in relation
to this Contract.The Supplier shall have no Liability for additional damage, loss, liability,
claims, costs or expenses caused or contributed to by the Customer’s continued use of
defective Goods and/or Services after a defect has become apparent or
1. suspected or should reasonably have become apparent to the Customer.
2. The Customer shall give the Supplier a reasonable opportunity to remedy
any matter for which the Supplier is liable before the Customer incurs any
costs and/or expenses in remedying the matter itself. If the Customer
does not do so the Supplier shall have no Liability to the Customer.
3. *​The Supplier shall have no Liability to the Customer to the extent that
the Customer is covered by any policy of insurance arranged as a result of
the Contract and the Customer shall ensure that the Customer’s insurers
waive any and all rights of subrogation they may have against the
Supplier.
4. The Supplier shall have no Liability to the Customer for any of the
following losses (whether direct or indirect):-
1. *consequential losses;
2. economic and/or other similar losses;
3. business interruption, loss of business, contracts and/or
opportunity including loss of profits and/or damage to goodwill;
and/or
4. special damages and indirect losses however so arising.
5. *​The Supplier’s total Liability to the Customer under and/or arising in
relation to any Contract shall not exceed 5 times the amount of the Rental
or monies payable for Sale Goods, in addition to charges for Services (if
any) under that Contract or the sum of £1,000 (or Euro equivalent)
whichever is the higher. To the extent that any Liability of the Supplier to
the Customer would be met by any insurance of the Supplier then the
Liability of the Supplier shall be extended to the extent that such Liability
is met by such insurance.
6. Each of the limitations and/or exclusions in this Contract shall be deemed
to be repeated and apply as a separate provision for each of:-
1. Liability for breach of contract;
2. *​Liability in tort/delict (including negligence); and
3. *​Liability for breach of statutory and/or common law duty;
except clause 13.9 above which shall apply once only in respect of all the said types of
Liability.

Country Oak Frames
01754 811 042
info@countryoakframes.co.uk