Terms and Conditions of Use


This website is controlled by Howden. Howden is a trading name of Howden Insurance Brokers Limited, part of the Howden Group Holdings Limited. Howden Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority in respect of general insurance business.

Registered in England and Wales under company registration number 725875. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.

These Terms and Conditions of Use govern your use of this Howden website. We strongly advise you to read the Terms and Conditions of Use as they form a contract between you and Howden for utilisation of the website.

If you do not agree with these Terms and Conditions of Use please do not use this website. By accessing the website you are deemed to have accepted these terms and conditions in full.

Our obligation to you

Howden will use its reasonable endeavours to maintain this website in an acceptable working condition. However, as we cannot guarantee that this will always be the case we cannot accept responsibility for any interruptions or failures in the operation of this website or for any defects that may exist, or for any costs, loss of profits, loss of data, or consequential losses arising from your use of, or inability to access or use the website. In addition Howden does not warrant that the information accessible via this web site is accurate complete or current.

Access to the website may be suspended temporarily or permanently without notice. If you encounter any problems with the service please contact webmaster@howdengroup.com


Howden or its affiliates, directors, employees or other representatives shall not be liable for any damages arising in contract, tort, negligence statutory duty for any loss of profits, revenue or good will or any type of consequential loss, indirect or special loss or damage whatever arising from or in any way connected with this website or these Terms and Conditions of Use. For the avoidance of doubt nothing in this contract shall exclude Howden's liability for death or personal injury arising from the negligence of Howden

The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Adviser for financial advice.

The definitive version of any Howden document is the original printed version which is available upon request from our registered office.

Howden accepts no responsibility for the content or privacy practices of any site to which a hypertext link from this site exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

Copyright and licence

Unless otherwise stated the copyright in all website design, text, graphics, the selection and arrangement thereof, and all software compilations, underlying source code, software [including applets] and all other material on this website belong to Howden or their content and technology providers and any other rights in all material on this site are owned by Howden.

Use of documents and related graphics on this site is for information and/or personal use only any copies of these pages saved to disk or to any other medium may only be used for subsequent viewing purposes or to print extracts for personal use.

No document or related graphics are to be modified in any way.

Graphics on this site are not to be used separately from the accompanying text.

The Howden copyright notice [i.e. © Howden] must appear in all copies.

No part of this site may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Howden's prior written permission.

Any rights not expressly granted in these terms are reserved.


The products on this web site are for United Kingdom residents only. These terms shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.


The court may strike out or override any part of these terms and conditions, which it considers unfair, unreasonable, invalid or unlawful [whether an entire clause or only part of one] and in such cases enforce these terms and conditions as if the offending part had never been contained in it. The paragraph headings are for information only, and do not form part of these terms and conditions.