1 Terms and Conditions
1.1 The www.hiscox.co.uk/events web site (“Site”) is provided by Hiscox, 1 Great St Helen's, London EC3A 6HX (“Hiscox”). These are the general terms and conditions that govern your use of this Site. Please read these terms and conditions carefully. By using the Site you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the Site.
1.2 These terms and conditions may change or be updated from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the Site. The latest version of these terms and conditions will govern any future usage by you of the Site.
2 What you are allowed to do
2.1 You may:
(a) browse the Site using a compatible web browser (this Site is compatible with Internet Explorer 5.0 and above (Windows), Internet Explorer 5.0 (Macintosh), Netscape Navigator 6.1 and 7.0 (Windows), Mozilla (Windows), Opera (Windows), and Safari (Macintosh)). Permission to browse the Site includes permission to make transient or cached copies of parts of the Site to the extent that this occurs in the normal course of using your browser and that these copies are used only to facilitate current or subsequent access to the Site by you;
(b) print a copy of any page of the Site for your own personal non-commercial purposes, provided you do not do any of the things set out under the heading “What you are not allowed to do”, below.
(c) purchase those policies available via the ‘buy online’ part of the Site.
3 What you are not allowed to do
3.1 Except to the extent expressly set out in these terms, you are not allowed to make any copies of any part of the Site. Any other use of www.hiscox.co.uk/events content requires the prior written permission of Hiscox.
3.2 You may not remove or change anything on the Site.
3.3 You may not include or create links to or from the Site without our prior express written permission. If you wish to obtain such permission, please contact webmaster@hiscox.com.
3.4 You are not allowed to remove or change any copyright, trade mark or other intellectual property right notices contained in the original material or from any material copied or printed off from the Site.
3.5 You must not seek to introduce any computer virus (including any variant or similar malicious code or instructions, worms, trojan horses, adware and spyware) to the Hiscox systems, nor deliberately seek to prevent or hinder the Site’s usual operations in any manner whatsoever.
3.6 You must not use the Site in a way that infringes the rights of, restricts or inhibits anyone else’s use and enjoyment of www.hiscox.co.uk/events . Prohibited behaviour includes harassing or causing distress or inconvenience to any person, transmitting obscene or offensive content or disrupting the normal flow of dialogue within the Site.
3.7 You must not post any material to this Site which is obscene, defamatory, threatening or otherwise actionable at law or which would constitute a criminal offence and you will indemnify us against any loss, liability, cost or expense, howsoever incurred, by Hiscox in association with any breach by you of your obligations under these terms and conditions.
4 Compliance with Laws
4.1 You must only use the Site and anything available from the Site for lawful purposes and you must comply with all applicable laws, statutes and regulations.
4.2 This Site complies with all applicable English laws and regulations.
4.3 This Site contains general information on Hiscox and its products and services and some products can be purchased via the Site.
4.4 Without prejudice to clauses 4.3 and 11, the Hiscox products and services detailed in this Site are offered publicly through brokers and intermediaries as appropriate and some products may be purchased via this Site, in those jurisdictions where it is lawful to do so and this Site is only directed at such jurisdictions. By using this Site you agree that you will familiarise yourself with and adhere to any restrictions that may exist in your jurisdiction in relation to any products or services referred to in this Site.
5 Your personal information
Usage of your personal information is governed by our Privacy Policy, which forms part of these terms and conditions. In the event that Hiscox undergoes reorganisation or is sold to a third party, any personal information Hiscox holds about you may be transferred to that reorganised entity or third party, provided that their usage of it remains in accordance with our Privacy Policy.
6 Intellectual Property Rights
6.1 All copyright and other intellectual property rights in any material (including text, photographs and other images and sound, trade marks and logos) contained in this Site is either owned by Hiscox Underwriting Limited (Hiscox) or has been licensed to Hiscox by the rights' owner(s) so that Hiscox can use this material as part of its Site. You are only allowed to use this Site and the material contained in the Site as set out in these terms. 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.
6.2 This Site contains trademarks, including the Hiscox name and logo. All trademarks included on the Site belong to Hiscox or have been licensed to Hiscox by the trade mark owner(s) for use on this Site. You are not allowed to copy or otherwise use any of these trademarks in any way except as set out below. If you wish to do anything else with any of the trademarks you must obtain the written permission of the owner of that trademark.
7 Disclaimer and limitation of liability
7.1 Hiscox does not, and nothing in these terms and conditions shall act to, exclude or limit Hiscox’s liability for death or personal injury resulting from its negligence, fraud or any other liability which may not by applicable law be excluded or limited. Your statutory rights as a consumer are not affected by any of these terms.
7.2 You agree that your use of the Site, including the information, names, images, pictures, logos and icons regarding or relating to Hiscox, its products and services (or to third party products and services), is on an “as is” and “as available” basis and that your use of the Site is at your sole risk. On that basis, except as expressly set out in these terms, Hiscox does not enter into conditions, warranties or other terms in relation to the Site (whether express or implied by law) (including any implied term relating to quality or fitness for a particular purpose). Hiscox does not also enter into any conditions or warranties or other terms in relation to the Site in relation to non-infringement, compatibility, security and accuracy.
7.3 Subject to clause 7.1, in no event shall Hiscox be liable (whether for breach of contract, negligence or for any other reason) for any loss or damage which you may claim to have suffered by reason of your accessing and use of the Site, (whether such losses were foreseen, foreseeable, known or otherwise) including (but not limited to) loss of profits, exemplary or special damages, loss of sales, loss of revenue, loss of goodwill, loss of any software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, software or data, loss of or waste of management or other staff time, losses suffered by third parties or for any indirect, consequential or special loss, however arising.
7.4 Hiscox tries to make sure that all information contained on the Site is correct, but it does not accept any liability for any error or omission. Hiscox is not liable for any action you may take as a result of relying on any information provided in this Site.
7.5 Hiscox may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site, including the latest version of these terms and conditions and the Privacy Policy. It is your responsibility to check these terms of use on each occasion that you access this Site.
7.6 The Site includes links to external sites and co-branded pages. Hiscox has included links to these sites and co-branded pages to provide you with access to information and services that you may find useful or interesting. Also, you may have linked to this Site from another web site. However, Hiscox is not responsible for the content of any of these sites and pages or for anything provided by them and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such sites or goods or services purchased from them. If you decide to access any web site other than the Site you do so entirely at your own risk.
7.7 Hiscox Underwriting Limited is part of the Hiscox plc Group. Other Hiscox web sites (whether or not expressly linked to from the Site) may contain terms and conditions that are different from these terms and conditions. These terms and conditions relate to this Site only. When visiting other Hiscox web sites (for example, www.hiscoxgroup.com) please read the terms and conditions governing the use of such web sites, which shall be binding upon you.
8 Suspension and termination of Service
8.1 Hiscox may suspend the operation of the Site at any time, for example for repair or maintenance work or in order to update or upgrade the contents or functionality of the Site from time to time. Access to or use of the Site or any Sites or pages linked to it will not necessarily be uninterrupted or error free.
8.2 Hiscox, at its option and without notice to you, may terminate your access to the Site immediately.
8.3 Hiscox in any event reserves its right to withdraw the Site from public access at any time, at its complete discretion.
9 Sales of Insurance Products
9.1 Policies are underwritten by Hiscox Underwriting Ltd on behalf of certain syndicates at Lloyd's (managed by Hiscox Syndicates Ltd) and/ or Hiscox Insurance Company Ltd. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. Hiscox Syndicates Ltd and Hiscox Insurance Company Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Please refer to your policy schedule for full details.
9.2 All statements made by you or information provided by you at the proposal stage are your responsibility. If you fail to disclose any relevant information or provide any inaccurate information, this may invalidate your insurance policy.
9.3 Once you have submitted a proposal for insurance via this Site, the proposal will not be accepted (and you will not insured) until such time as you receive confirmation from Hiscox that this is the case. This confirmation may be through the Site or by email, telephone or post.
9.4 The decision as to whether to offer you insurance cover is at Hiscox’s discretion and they are not bound to do so.
9.5 In assessing whether or not to offer insurance cover in response to proposals submitted via this Site, Hiscox will not refuse the proposal concerned solely on the basis of processing data by automatic means. If the effect of any automated decision making process is not to accept the proposal, then the proposal is referred to a non-automated decision making process conducted by Hiscox or on Hiscox’s behalf.
9.6 The above referral process does not apply where a proposal is automatically refused because the type of cover requested is not offered by Hiscox through this website, for example where the level of cover requested falls below the minimum level of cover available through this website. This type of automatic refusal is based on the parameters set for the insurance products available through this website.
9.7 Once insurance has been effected by Hiscox, Hiscox will provide you with prompt written confirmation, through the website and/or by e-mail, that this is the case. Hiscox will also advise you in writing of the relevant insurance premium and any fees or charges which are payable, as well as the purpose of any related services.
9.8 Hiscox will notify you of any changes to the terms and conditions of your insurance policy and will give reasonable notice for any changes which are due to take effect.
9.9 You should keep a copy of all information submitted to or received from Hiscox for your records.
9.10 Hiscox will use their best endeavours to reply promptly to all correspondence. Such replies may be by email or in writing.
10 Enquiries or complaints

If you have any enquiries or complaints then please address them to:
Customer Relations Manager
Telephone: 0845 213 8777
Email: customer.relations@hiscox.com

Hiscox Customer Relations, Hiscox House, Sheepen Place, Colchester CO3 3XL

11 General and governing law
Hiscox may change these terms and conditions from time to time and will endeavour to notify you of any major changes by posting a message on the Site. However, by browsing the Site you are accepting that you are bound by the current terms and conditions. You should check these each time you revisit the Site. These terms and conditions form the entire understanding of the parties and supersede all previous agreements, understandings and representations relating to the subject matter of their terms or your use of the Site. If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. Hiscox may delay enforcing its rights under these terms and conditions without losing them. You agree that Hiscox may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.
12 US Business
12.1 Hiscox’s ability to do business in the USA and US territories is restricted because Hiscox is not a US surplus lines broker and is therefore not qualified to do business there. Without prejudice to clause 4.3 above, the sections of the Site referring to US business provide general information on Hiscox’s products and services only and are not intended to and do not constitute an offer or solicitation to sell products or services in the USA, US territories and possession.
13 Disclaimer
13.1 All information provided as part of the Site is intended to be general in nature and you should not rely on it in connection with any security or other decision. Hiscox is not liable for any action you may take as a result of relying on such information or for any loss or damage suffered by you as a result of you taking this action.
13.2 Whilst Hiscox will provide the “Contact Nearer Renewal” reminder service, that service is not intended to replace your own responsibility to renew any policy on time and check the renewal dates. Accordingly, you must ensure that you take all steps needed to renew the policy on time and Hiscox shall not be liable for any alleged loss or damage as a result of a failure to do so.
14 Contracts (Rights of Third Parties Act) 1999
These terms and conditions are for the benefit of Hiscox (as defined above) and they may rely on them and may enforce the provisions of these Terms and Conditions subject to and in accordance with the provisions of the Terms and Conditions and the following conditions: (i) the parties may rescind, vary or terminate these Terms and Conditions without the consent of any members of the Hiscox plc group and (ii) the rights granted to any member the Hiscox plc group under this clause 14 may not be assigned or transferred without the consent of Hiscox. Except as expressly stated in this Clause 14, a person who is not a party to these Terms and Conditions has no right (including without limitation under the Contracts (Rights of Third Parties) Act 1999) to enforce or rely on any term of these Terms and Conditions.