Terms and Conditions

By using this website, you agree to the following terms. Please read them carefully. If you do not agree to be bound by these Terms & Conditions please do not access or use this site.

  1. This website is owned and operated by Covea Insurance plc.
  2. You should read all of these Terms & Conditions carefully as you will be legally bound by them.
  3. If you do not agree with these Terms & Conditions please do not use this website. By accessing this website you will be deemed to have accepted these Terms & Conditions in full.
  4. Covea Insurance plc reserves the right to amend these Terms & Conditions at any time and to notify you by posting an updated version of the Terms & Conditions on this website. Your continued use of this website will constitute your consent to the amended Terms & Conditions.
  5. Covea Insurance plc will use 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 Covea Insurance plc does not warrant that the information accessible via this web site is accurate, complete or current.
  6. The maintenance and integrity of this website is the responsibility of the directors of Covea Insurance plc.
  7. The information on this site is directed at residents of the UK. Accessing this site from territories where its content is illegal or unlawful is prohibited. If you choose to access this site from outside of the UK, you are responsible for compliance with local laws.
  8. All information provided on this website is subject to change at any time. If you are in any doubt as to the information provided on this site, we recommend that you contact us directly prior to acting in reliance upon the information.
  9. We reserve the right to terminate, without penalty or liability, your access to this website, in whole or in part, at any time, with or without cause and with or without notice.
  10. This website may contain material produced by third parties and links to other websites. These links and material are provided for general information purposes only and the sites concerned are not endorsed or promoted by us in any way. We do not accept liability in relation to any materials on websites that are not under our direct control.
  11. The materials on this site do not constitute financial or other professional advice. Contact your Independent Financial Advisor for financial advice.
  12. Sterling Client Services Ltd is incorporated in England and Wales with registered number 9015536 and registered office is at Norman Place, Reading, Berkshire, RG1 8DA. SCSL is authorised and regulated by the Financial Conduct Authority and appears on the Financial Services Register under number 628324.
  13. Unless otherwise stated the copyright and intellectual property rights (existing anywhere in the world) 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 Covea Insurance plc.
  14. Use of documents and related graphics on this site are for information and/or personal use only and 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.
  15. No documents or related graphics are to be modified in any way.
  16. Graphics on this site are not to be used separately from the accompanying text.
  17. 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 the prior written permission of Covea Insurance plc.
  18. This site uses cookies. Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your web browser to enable our systems to recognise your browser. The help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. However, cookies allow you to take full advantage of this website and we recommend that you leave them turned on. If you do leave cookies turned on, be sure to sign off when you finish using a shared computer.
  19. When accessing or using this site you may not post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, pornographic, profane or otherwise objectionable material of any kind. This includes, without limitation, any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to a civil liability or otherwise violate any national or international law.
  20. This site does not collect personal data about you. We do collect information on the pages you access. This is then used to help us develop the design and layout of our sites. This includes information on the relative popularity of each page, the average number of pages accessed, the number of e-mails sent or files downloaded, and the average time spent on the site. None of this information is linked back to you as an individual and it cannot be used to identify you in any way.
  21. If you supply an e-mail address to us, it is kept in confidence and is used solely to answer your enquiry or to comply with your request. We retain the content of the e-mail, the e-mail address and our response. This enables us to retain an audit trail of our contact with you.
  22. We cannot guarantee that any email sent to us will be received or that the contents of the email will remain confidential during internet transmission.
  23. The pages of this website are prepared and issued in the United Kingdom and are mainly intended for the information and use of companies and individuals resident in the United Kingdom. Some of the products and services described in this website are available outside the United Kingdom; however it is advised that contact should be made with Covea Insurance plc to discuss the extent to which services may be provided outside the United Kingdom.
  24. Any dispute arising from the use or content of this website shall be subject to English Law.