Terms and conditions

This site contains links to sites operated by persons and/or companies outside HFIS. We provide these links for your assistance and information only. We are not responsible for the availability or content of these third party sites and we are not responsible for any of the goods or services available from these sites.

No recommendations or assurances can be given in respect to any external links.

Property rights

The owner of this site is HFIS. The copyright and other intellectual property rights in this site are owned by HFIS.

Availability and content of this site

Whilst we take care to ensure that the information contained in this website is accurate and up-to-date, HFIS cannot give you any promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site.

We may change the site content from time to time. If we do this, then your continued use of the site will be deemed to be acceptance of the change. However, we will not change the terms and conditions of your policy. We will tell you before you renew your policy if any of the policy terms and conditions are to be changed.

Technical and outside party limitations may affect the performance, availability transmission and communication on the site and links will from time to time be unavailable because we are carrying out maintenance or updates. At these times, you can contact us by telephone on 0345 310 6300 (Monday to Friday 9.00 to 17.30).

Any visitor using information contained on this site does so entirely at his or her own risk.