Terms of Use

These terms and conditions ("Terms") govern the users ("you" or "your") use of this website ("Website") and your relationship with Lifestyle Services Group Limited (Company Registration No.5114385) whose registered office is at Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN ("we", "our" or "us"). Please read them carefully as they affect your rights and liabilities under the law. If you do not agree to these Terms, please do not access or use the Website. If you have any queries regarding these Terms then please contact us


1. Agreement

By using the Website you agree to be bound by these Terms.

2. Amendments

We reserve the right to:

  • update these Terms from time to time and any changes will be notified to you via a suitable announcement on the Website. It is your responsibility to check for any such changes. The changes will apply to the use of the Website after we have given such announcement. If you do not wish to accept the new Terms you should not continue to use the Website. If you continue to use the Website after the date on which the change comes into effect, your use of the Website will be deemed to indicate your acceptance of and agreement to be bound by the new Terms; and
  • modify or withdraw, temporarily or permanently, this Website and the material contained within (or any part) without notice to you and you confirm that we shall not be liable to you for any modification to or withdrawal of the Website or its contents.

3. Registration

You warrant that:

  • the personal information which you are required to provide when you register is true, accurate, current and complete in all respects; and
  • you are not impersonating any other person or entity.

You agree to notify us immediately of any changes to your personal information following registration by e-mailing or telephoning our customer service representatives.

4. Compliance

The Website may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Website and its use. You agree not to upload or transmit through the Website:

  • any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and/or
  • any material which is defamatory, offensive or of an obscene character.

You may not create a link to this Website from any other website without prior permission from us.

5. Indemnity

You agree to fully indemnify, defend and hold us harmless, immediately on demand, from and against all claims (actual or threatened), actions, awards, proceedings, losses, costs and expenses, including reasonable legal fees, arising out of any breach of these Terms by you, or any other liabilities arising out of your use of this Website or any other person accessing the Website using your personal information.

6. Third Party Links

As a convenience to our customers, the Website may include links to other websites or material which is beyond our control. We are not responsible for such websites or material nor do we review or endorse these websites. We will not be liable, whether directly or indirectly, for the privacy practices or content of such websites nor for any damage, loss or offence caused or alleged to be caused in connection with, the use of or reliance on any such advertising, content, products, materials or services available on such external websites or resources and we accept no responsibility or liability for any losses or penalties whatsoever that might be incurred as a result of linking to any location on any linked sites or pages.

B. INSURANCE POLICY ("Policy" or “Policies”)

7. Requests

All requests for Policies are subject to acceptance and availability. If a particular Policy is not available, you will be notified by e-mail (or by other means if no e-mail address has been provided) and you will have the option either to wait until the item is available or to choose an alternative policy. Any requests placed by you will be treated as an offer to purchase the policy from us and we have the right not to accept such offers at any time. You acknowledge that any automated acknowledgment of receipt of your request which you may receive from us shall not amount to our acceptance of your request to purchase a Policy advertised on the Website. The contract between you and us will come into effect when we (i) debit your credit or debit card; or (ii) despatch the goods to you or commence the services, whichever is the earlier.

We will take all reasonable care, in so far as it is in our power to do so, to keep the details of your request and payment secure, but in the absence of negligence on our part we cannot be liable for any loss you may suffer if a third party procures unauthorised access to any data provided by you when accessing the Website. All Policies are subject to additional specific terms and conditions related to our standard terms and conditions of insurance. Please ensure that you read such additional terms.

8. Eligibility

To be eligible to lawfully enter into and form contracts on this Website under English law you must:

  • if an individual, be 16 years of age or over; and
  • stipulate a delivery address in the United Kingdom; and
  • register your real name, address, phone number, e-mail address any other details requested; and
  • possess a valid debit/credit card issued by a bank acceptable to us.

By requesting a Policy you represent to us that you are 16 years of age or over and authorise us to transmit information (included updated information) to obtain information from third parties, including but not limited to, your bank or credit reports to authenticate your identity.


9. Intellectual Property

The content of the Website is protected by copyright, trade marks, database and other intellectual property rights and you acknowledge that the ownership of the material and content displayed as part of the Website and the intellectual property rights in such material and content shall remain with us or our licensors absolutely.

You may retrieve and display the content of the Website on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Website.

10. Limitation of Liability

Not with standing any other provision in the Terms, nothing in these Terms:

  • will affect or limit your rights as a consumer under English Law; or
  • will exclude or limit our liability for death or personal injury resulting from our negligence.

The Website is provided on an "as is" and "as available" basis without any representation or endorsement made and we make no warranties, whether express or implied, in relation to it and its use. You acknowledge that we cannot guarantee and cannot be responsible for the security or privacy of the Website and any information provided to by you. You must bear the risk associated with the use of the Internet.

Whilst we will try to ensure that material included on the Website is correct, reputable and of high quality, we cannot accept responsibility if this is not the case. We will not be responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with the Website. If we are informed of any inaccuracies in the material on the Website we will attempt to correct this as soon as reasonably possible.

We will have no liability for:

  • incompatibility of the Website with any of your equipment, software or telecommunications links;
  • technical problems including errors or interruptions of the Website;
  • unsuitability or unreliability of the Website;
  • inadequacy of the Website to meet your requirements;
  • to the full extent allowed by applicable law, any consequential losses or incidental damages (both of which terms includes, without limitation, pure economic loss, loss of profits, loss of business, loss of anticipated savings, wasted expenditure, loss of privacy and loss of data) or any other indirect, special or punitive damages whatsoever that arise out of or are related to the Website; and/or
  • viruses or other computer bugs or malfunctions acquired by you from the use of the internet or the Website.

11. Severance

If any part of the Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to have been deleted from these Terms and shall not affect the validity and enforceability of any remaining provisions of the Terms.

12. Waiver

No waiver by us shall be construed as a waiver of any proceeding or succeeding breach of any provision.

13. Third Party Rights

All third party rights are excluded and no third party shall have any right to enforce these Terms. This shall not apply to members of our group from time to time who shall, subject to our consent, have the right to enforce these Terms as if they were us. Any rights of a third party to enforce this Contract may be varied and/or extinguished by agreement between the parties to this Contract without the consent of any such third party.

14. Law and Jurisdiction

The Website is controlled and operated in the United Kingdom. The Terms will be governed by the Laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English Courts.