The 'Towergate Insurance' website is comprised of various websites and web pages operated by Towergate Insurance or its affiliates (collectively, the "Towergate Risk Online Web Sites").

The Towergate Insurance websites are offered to you conditional on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Towergate Insurance websites constitutes your agreement to all such terms, conditions, and notices.

In the event that any of the terms, conditions, and notices contained herein conflict with other terms and guidelines contained within any particular Towergate Insurance, then these terms shall control.


See the Privacy Statement


We require you to open an account to do so you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify Towergate Insurance immediately of any unauthorized use of your account or any other breach of security. Towergate Insurance will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by Towergate Insurance or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.


Towergate Insurance reserves the right to change the terms, conditions, and notices under which the Towergate Insurance Sites/Services are offered, including but not limited to the charges associated with the use of the Towergate Insurance Sites/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the Towergate MIA Sites/Services constitutes your agreement to all such terms, conditions, and notices.


Unless otherwise specified, the Towergate Insurance Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the www.towergaterisksupport.co.uk Sites/Services.


The www.towergaterisksupport.co.uk Sites/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Towergate Insurance and Towergate Insurance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Towergate Insurance is not responsible for web casting or any other form of transmission received from any Linked Site nor is Towergate Insurance responsible if the Linked Site is not working appropriately. www.towergaterisksupport.co.uk is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Towergate Insurance of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.

Any dealings with third parties (including advertisers) included within the Towergate Insurance Sites/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Towergate Insurance shall not be responsible or liable for any part of any such dealings or promotions.


As a condition of your use of the Towergate Insurance Sites/Services, you will not use the Towergate Insurance Sites/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Towergate Insurance Sites/Services in any manner, which could damage, disable, overburden, or impair any Towergate Insurance Site/Service(s) (or the network(s) connected to any Towergate Insurance Site/Service(s) or interfere with any other party's use and enjoyment of any Towergate Insurance Site/Service(s). You may not attempt to gain unauthorized access to any Towergate Insurance Site/Service, other accounts, computer systems or networks connected to any Towergate Insurance Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Towergate Insurance Sites/Services.


The Towergate Insurance Sites/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Towergate Insurance has no obligation to monitor the Communication Services.

However, Towergate Insurance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Towergate Insurance reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.
Towergate Insurance reserves the right at all times to disclose any information as Towergate Insurance  deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Towergate Insurance 's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Towergate Insurance does not control or endorse the content, messages or information found in any Communication Service and, therefore, Towergate Insurance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Towergate Insurance spokespersons, and their views do not necessarily reflect those of Towergate Insurance .

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination; you are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO www.towergaterisksupport.co.ukOR POSTED AT ANY www.towergaterisksupport.co.uk WEB SITE

www.towergaterisksupport.co.uk does not claim ownership of the materials you provide to www.towergaterisksupport.co.uk (including feedback and suggestions) or post, upload, input or submit to any www.towergaterisksupport.co.uk Site/Service or its associated services for review by the general public (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting www.towergaterisksupport.co.uk , its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Towergate Insurance is under no obligation to post or use any Submission you may provide and Towergate Insurance may remove any Submission at any time in its sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

All content and software (if any) that is made available to view and/or download in connection with the Insurance Online Risk Support  Sites/Services, excluding content and/or software that may be made available by end-users through a Communication Service ("Software") is owned by and is the copyrighted work of Towergate Insurance Corporation and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, Towergate Insurance Corporation hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular Towergate Insurance Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Without limiting the foregoing, copying or reproduction of the content or software to any other server or location for further reproduction or redistribution is expressly prohibited.


The information, software, products, and services included in or available through the Towergate Insurance sites/services may include inaccuracies or typographical errors. Changes are periodically made to the Towergate Insurance Sites/Services and to the information therein. Towergate Insurance and/or its respective suppliers may make improvements and/or changes in the Towergate Insurance Sites/Services at any time. Advice received via the Towergate MIA sites/services should not be relied upon for personal, medical, and legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

Towergate Insurance and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the Towergate Insurance Sites/Services for any purpose.

All such information, software, products, services and related graphics are provided "as is" without warranty of any kind, Towergate Insurance and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement.

You specifically agree that Towergate Insurance shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through an Towergate Insurance site/service. You specifically agree that Towergate Insurance is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that Towergate Insurance is not responsible for any content sent using and/or included in a Towergate Insurance Site/Service by any third party.

In no event shall Towergate Insurance and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Towergate Insurance Sites/Services, with the delay or inability to use the Towergate Insurance Sites/Services or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Towergate Insurance Sites/Services, or otherwise arising out of the use of the Towergate Insurance  Sites/Services, whether based on contract, tort, negligence, strict liability or otherwise, even if Towergate Insurance  or any of its suppliers has been advised of the possibility of damages. If you are dissatisfied with any portion of the Towergate Insurance sites/services, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Towergate Insurance sites/services.


You agree that Towergate Insurance may establish limits concerning use of any service offered on an Towergate Insurance website, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on Towergate Insurance 's servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time.

You agree that Towergate Insurance has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that Towergate Insurance reserves the right to delete accounts that are inactive for an extended period of time.

Towergate Insurance makes no warranty that any service will be uninterrupted, timely, secure or error-free.


Towergate Insurance reserves the right, in its sole discretion, to terminate your access to any or all Towergate Insurance Sites/Services and the related services or any portion thereof at any time, without notice.

Towergate Insurance shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Towergate Insurance will immediately terminate any account, which it believes, in its sole discretion, is transmitting or is otherwise connected with any Spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay Towergate Insurance liquidated damages of £10.00 (Sterling) for each piece of Spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay Towergate Insurance 's actual damages, to the extent such actual damages can be reasonably calculated.


It is the express will of the parties that this agreement and all related documents have been drawn up in English.


The laws of the United Kingdom govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in United Kingdom in all disputes arising out of or relating to the use of the Towergate Insurance Sites/Services.

Use of the Towergate Insurance Sites/Services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Towergate Insurance as a result of this agreement or use of the Sites/Services. You agree to indemnify and hold Towergate Insurance, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable legal fees, asserted by any third party due to or arising out of your use of or conduct on the Towergate Insurance Sites/Services. Towergate Insurance reserves the right to disclose any personal information about you or your use of the Towergate Insurance Sites/Services, including its contents, without your prior permission if Towergate Insurance has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Towergate Insurance or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. Towergate Insurance's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Towergate Insurance's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Towergate Insurance Sites/Services or information provided to or gathered by Towergate Insurance with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Towergate Insurance with respect to the Towergate Insurance Sites/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Towergate Insurance with respect to the Towergate Insurance  Sites/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.


All contents of the Towergate Insurance Web Sites are: Copyright of Towergate Insurance and/or its suppliers, Health and Safety Click Limited, 12 Saxonville, South Benfleet, Essex, SS7 5TD. All rights reserved.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.


Subscription-Based Content. Some contents and/or services on Towergate Insurance may be offered to you conditional on your purchase of a subscription. If you elect to purchase subscription-based content/services and transmit to Towergate Insurance a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. If you have purchased an automatically renewing subscription, you will not be charged the monthly subscription fee after three months notice of cancellataion (but there are no refunds of subscription fees previously paid). No cancellation of access to free content and/or services or to non-renewing subscriptions is required. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorized use.


Towergate Insurance reserves the right to charge listing fees for certain listings, as well as transaction fees based on certain completed transactions using the Services. Towergate Insurance further reserves the right to alter any and all fees from time to time, without notice.

You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services.