Website Terms and Conditions

Terms and Conditions

All copyright and other intellectual property rights in any material (including text, photographs and other images and sound) contained in this website is either owned by TLO Risk Services or has been licensed to TLO Risk Services by the rights owner(s).  You are only allowed to use this website and the material contained in the website as set out below.

If you wish to do anything else with any of the material you must obtain the written permission of the owner of the rights in that material.

You may access any part of the website to which access is open to all users  Access to some parts of the website is only possible by password.  You may only access these parts of the website if you have a valid password.

You may print off one copy only of any individual page for your own personal use.

Any request to purchase of any insurance product(s) available through this website will be subject to these terms and conditions, our Terms of Business and the relevant policy terms and conditions.

Changes to terms and conditions and disclaimer

TLO Risk Services may change the terms and conditions and disclaimer set out above from time to time.  By browsing this website you are accepting that you are bound by the current terms and condition and disclaimer and so you should check these each time you revisit the site

Changes to/operation of website

TLO Risk Services may change the format and content of this website (or of any insurance products or services offered via this website) at any time.

TLO Risk Services may suspend the operation of this website (or suspend provision of any insurance products or services offered via this website) for support or maintenance work, in order to update the content of for any other reason.

TLO Risk Services reserves the right to terminate access to this website (and to products and services offered via the website) at any time and without notice.

Sales of insurance products

TLO Risk Services Limited are authorised and regulated by the Financial Conduct Authority (FRN 706586)

TLO Risk Services Limited is registered in England no. 9467441, at 40 St James's Place, London, SW1A 1NS

This website is for UK businesses only.

All quotations or indications given through this website are based on certain parameters.  The premium quoted may vary once your full details have been submitted.

All statements made by you or information provided by you to TLO Risk Services are your responsibility.  If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy .

Once you have submitted a proposal for insurance via this website, the proposal will not be accepted (and you will not be insured) until such time as you receive confirmation from TLO Risk Services that this is the case. This confirmation may be through telephone, e-mail or post.

The decision as to whether to offer you insurance cover is at underwriters discretion and we are not bound to do so.

In assessing whether or not to offer insurance cover in response to proposals submitted via this website, TLO Risk Services will not refuse the proposal concerned solely on the basis of processing personal data by automatic means.

The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by TLO Risk Services through our website, for example where the level of cover requested is above the maximum level of cover available through this website.  However, this type of automatic refusal is not based solely on the processing by automatic means of personal data.  It is based on the parameters set for the insurance products available through this website.

You may cancel your insurance in accordance with the relevant policy terms and conditions.

Once insurance has been effected by TLO Risk Services (including any insurance effected following an update of an existing policy), TLO will provide you with prompt confirmation that this is the case.  TLO will also advise you of the relevant insurance premium and any fees or charges which are payable separately. TLO will also provide you with an Insurance Certificate and wording.

You should keep a copy of all information submitted to or received from us for your records.

TLO Risk Services will use its best endeavours to reply promptly to all correspondence.  Such reply may be by email or in writing.


Complaints procedure

If you have a question or complaint, please contact us or write to:
TLO Risk Services Limited
40 St James's Place 


These terms and conditions are governed by and are to be interpreted in accordance with English law and in the event of any dispute arising in relation to these terms and conditions the English courts will have non-exclusive jurisdiction over such dispute