Terms & conditions

Access to and use of this website and the products and services available through this website are subject to the following terms and conditions. Please read these Terms & Conditions carefully before using our website.

By accessing this websiteyou agree to be bound by the following terms and conditions and disclaimers.

Please be aware that we may update our Terms & Conditions from time to time and any material and content provided in the pages of our website may be changed at any time without notice. You should therefore check this page regularly for updates. The bottom of the page will always state the date of the last update.

Use of this website

Our website is intended for personal, non-commercial use by residents of the United Kingdom only. We cannot guarantee that the website or the information on it complies with the laws of, or is appropriate for use in other territories.

You are wholly responsible for use of our website by any person using your computer, laptop or other mobile device, and you must ensure that any such person complies with these Terms & Conditions.

Our website is designed to be entered from the home page. If you access our website through another website you may not see some important information which is relevant to the products or services being offered. Before purchasing any products or services on our website you will be referred to certain pages which contain additional product, regulatory, or legal information. You are advised to read these pages and should you have any questions contact us using the details provided below.


Whilst we take all reasonable steps to ensure that our website continues to be available there may be times when it is not available. This may be for reasons relating to the maintenance of or alterations to the website, or for reasons beyond our control. We are not responsible to you (or any other party) if the website is unavailable.

Privacy Policy

We look after your details carefully and are committed to protecting your privacy. Our Applicant Privacy Policy, which sets out how we will use your information, can be found in the Our Recruitment Process section of our website. Our customer and non-customer Privacy Policies can be found by clicking the links at the foot of the homepage.


You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. If you breach this provision, you may have committed an offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities as required (including but not limited to, disclosing your identity to them). In the event of such a breach, your right to use our website will cease immediately.

Liability and Exclusions

Nothing in these Terms & Conditions excludes or limits our liability for our negligence which causes death or personal injury, or for our fraudulent misrepresentation.

Whilst we have taken reasonable steps to ensure the accuracy, currency, correctness and completeness of the information contained on our website, we do not check, review, monitor, verify or endorse any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from our website or any third party websites which you can access from our website. We are not responsible to you for any loss, damage or injury you (or any other party) may suffer or incur in connection with such information, content, material or data. It is your responsibility to check that such information, content, material or data is accurate, current, correct and complete.

Our website contains links to websites of third parties offering additional insurance policies. You must form your own view as to the suitability of such policies for you.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.

Links to downloadable software are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of our website which is caused by any event beyond our reasonable control including, but not limited to, the electronic transmission of information, content, material and data over the internet and the interception and decryption of that information by others.

We are not responsible to you for any loss or damage you (or any other party) may suffer caused by any distributed denial-of-service attack, any viruses, trojans, worms, logic bombs or other material which may infect, contaminate, damage or cause loss of data on your computer systems (including but not limited to both software and hardware), unless such damaged is directly caused by our negligence. You should ensure that you use appropriate virus checking software.

Trade Marks and Copyright

Our website contains intellectual property and other rights and it must only be used in connection with obtaining insurance in accordance with the terms set out on our website.

Copyright in any information or material on our website is owned by, or licensed to, Tesco Underwriting Limited unless otherwise noted. You may copy, download or temporarily store extracts from our website for your reference or when you purchase and/ or use our products and services. You are prohibited from altering or using any information or material in any other way, unless you get our prior written permission. In particular no one may use a part of our website on any other website, or link any other website to our website, without our prior written permission. If you use our website in breach of these Terms & Conditions your right to use our website will cease immediately and you must, at our option, return or destroy any copies of any information and materials you have made.

Governing Law

These Terms & Conditions are governed by English law and we both agree to submit to the exclusive jurisdiction of the English courts.