Website Terms & Conditions

This website is administered by Specialty Risks Limited whose Company details are below:

Specialty Risks Limited

Registered in England No 06751834

Registered address: Aissela, 46 High Street, Esher, KT10 9QY


Specialty Risks Limited is authorised and regulated by the Financial Conduct Authority under registration number 771865.

Please read the following section carefully as they apply to your use of the entire content of this website under the domain name and other associated URLs (the “Site”) and to any correspondence by email between us and you. By using this Site you agree to these terms and conditions of use. If you do not accept these terms and conditions in full, you must leave the Site immediately.

Accuracy & validity of information

Whilst we take all reasonable steps to ensure that the information contained within these pages is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept any liability for any errors or omissions. If you are in any doubt as to the validity of information made available within these pages, we recommend you seek verification by contacting us.


We may amend these terms of use at any time without notice. You should check this web page from time to time to review the current information because they are binding on you. Additional terms and conditions may apply to certain products and services offered on this Site. These will be drawn to your attention when you browse, apply for and purchase any such product or service and will supersede any conflicting term in these terms and conditions.


All copyright, designs, graphical and text arrangements, logos and trademarks (together the “Material”), database rights and any other intellectual property rights in all material on the Site are owned by us unless otherwise indicated and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in any media by any person without prior consent of Specialty Risks Ltd. Please note that these licences only apply to Material owned by us. You are permitted to print and download any part of the Material for your own use provided that:

  • The Material is not modified in any way;
  • No graphics are used separately from the accompanying text; and You are permitted to print and download any part of the Material for third parties use provided that;
  • No graphics are used separately from the accompanying text;
  • You acknowledge “” as the source of the Material; and
  • You inform the third party that the terms of this copyright notice apply to him or her and that he or she must comply with them. For the avoidance of doubt this copyright notice does not allow you to:
  • Systematically download, extract or re-utilise the Material or any part of it;
  • Resell or otherwise commercially use the Material or any part of it;
  • Use data-mining, robots or similar data gathering or extraction tools on the Site or Deep-link or frame the Site.
  • You are not permitted to incorporate the Material or any part of it in any other work or publication, whether in hard copy, electronic or any other form. No part of the Material may be reproduced on or transmitted to or stored on any other website or other form of electronic retrieval system.

Use of site

The Site is intended for non-commercial personal use only. Interface or entry to the Site with intent to corrupt, damage or deny service from the Site or for commercial benefit is taken seriously and we will take such action as is necessary to protect the Site from any such activities. You acknowledge that damages may not be an adequate remedy for any infringement and that we are entitled to the remedies of injunction, specific performance, in order to deliver up materials which infringe on our intellectual property rights and any other statutory or equitable relief and that no proof of special damages is necessary for the reliance on such remedies.

Products and services

The content of the Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.


Whilst we have taken care in the preparation of the Site and take reasonable steps to ensure this website is always accessible, certain technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error free access to all of the Site at all times, that defects will be remedied, or that the Site, or the server that makes the Site available, are virus free. Access may be suspended occasionally or restricted to allow for repair or maintenance or for the introduction of new services. We will not be held liable if for any reason the website is unavailable for any period. In addition, we cannot be held responsible for any technical problems you may suffer as a result of your use of this website.

External links

Links to third party websites are provided solely at your convenience. When you activate these links you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those website. If you decide to access linked websites you do so entirely at your own risk.

Site access

The Site is directed at those who can access the Site from the UK and is intended for use by the UK residents only. Applications for products or services from non-UK residents will, unless otherwise stated, not be accepted.


We will do our best to correct errors and omissions as soon as we can. The following provisions should be read carefully as they exclude or limit our legal liability in connection with your use of this website. Nothing in these terms and conditions attempts to exclude liability that is not permissible under applicable law, including without limitation, death or personal injury, or for fraudulent misrepresentation. Nothing in these terms and conditions shall exclude, limit or restrict our duties and liabilities to you under the Financial Services and Markets Act 2000 (Revised 2013), or any conduct of business rules that we are bound to comply with. While we have taken all reasonable steps to ensure the accuracy and completeness of the content of the website, we exclude any warranties, undertakings or representations (either express or implied) to the full extent permitted under applicable law, that the website or (including without limitation) all or any part of the content or materials, accuracy, availability or completeness of the content of the website or any part of the content or materials are appropriate or available for use either in the United Kingdom or in other jurisdictions. If you use this website from other jurisdictions, you are responsible for compliance with applicable local laws.We accept no liability in contract, tort, negligence, statutory duty or otherwise (to the maximum extent permitted by applicable law) arising out of the use of or access to this website (which includes without limitation) any errors or omissions contained in this website or if the website is unavailable and we shall not be liable for any direct or indirect:

  • Economic losses (including without limitation loss of revenues, data, profits, contracts, use, opportunity, business or anticipated savings);
  • Loss of goodwill or reputation;
  • Special, incidental, consequential loss or damage suffered or incurred arising out of or in connection with your use of this website and these terms and conditions.

Access to and use of this website is at the user’s own risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties. Please note that this disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Site. If any provision in these terms and conditions shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable for any reason, such provision shall be deemed deleted and will not affect the validity or enforceability of the remaining provisions.


If you breach these terms of use and we do not take immediate action against you we are still entitled to enforce our rights and remedies in respect of any such breach or any subsequent breach.

Jurisdiction and law

English Law shall govern the use of this website and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.

Monitoring and recording of emails and telephone calls

We may record telephone calls for monitoring and training purposes and to assist us in preventing and detecting fraud. By using such communication methods you are consenting to this.


Version Number: 1.0

Valid From: 2nd May 2023