Terms & Conditions

Terms & Conditions

Accessing Our Website

Access to our Website is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our Website is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our Website, or our entire Website, to users who have registered with us.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

You are responsible for making all arrangements necessary for you to have access to our Website. You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these terms, and that they comply with them.


The information published on the Website is provided for the convenience of its visitors and you are advised that, although care has been taken to ensure technical and factual accuracy, some errors may occur. No guarantee is given of the accuracy or completeness of information on these pages.

Please be aware that Premium Medical Protection Limited may alter the information on the Website from time to time, including these Terms and Conditions and privacy policy. It is your responsibility to check these Terms and Conditions from time to time and to remain in compliance with them.

Premium Medical Protection Limited does not make any representations or warranties to you or to any third party regarding the information contained on this Website. Nothing contained on this Website shall be construed as providing legal or professional advice to you or any third party.

Limitation of Liability

The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we and other members of our group of companies and third parties connected to us hereby expressly exclude:

  • all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity
  • any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our Website or in connection with the use, inability to use, or results of the use of our Website, any websites linked to it and any materials posted on it, including, without limitation any liability for:
    • loss of income or revenue
    • loss of business
    • loss of profits or contracts
    • loss of anticipated savings
    • loss of data
    • loss of goodwill
    • wasted management or office time, and
    • for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.


You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them.

In the event of such a breach, your right to use our Website will cease immediately. Premium Medical Protection Limited use reasonable endeavours to prevent contamination by known viruses and to maintain the security of the Website but Premium Medical Protection Limited does not warrant the information on the Website in any way and in particular no warranty is given that the Website or its contents or hypertext links to other sites are accurate, complete, virus free or uncontaminated, nor can we guarantee that the Website may not be affected by deliberate damage by hackers, failure of plant, machinery, equipment or computers, power failure, failure of telecommunications lines or any criminal action.

You are advised to make your own virus checks and to implement your own precautions in this respect. Premium Medical Protection Limited exclude all liability for contamination or damage caused by any virus or electronic transmission. 


The incorporation of any links to other websites is for your convenience and reference only and does not imply that Premium Medical Protection Limited approves or endorses the contents of that website or the material available from it and Premium Medical Protection Limited do not control and is not responsible for the content of any such websites in terms of their accuracy, suitability, legality or otherwise and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Law and Jurisdiction

Your use of the Website is governed by English Law. You hereby consent to the exclusive jurisdiction of the English courts in all disputes arising out of or relating to the use of the Website.


By using this website you are agreeing to indemnify Premium Medical Protection Limited against all claims, liabilities, damages and costs directly or indirectly arising from or in any way connected to any breach by you of these Terms and Conditions.

Entire Agreement

These Terms and Conditions, including all notices and disclaimers contained on this Website, constitute the entire agreement between Premium Medical Protection Limited and you in respect of your use of this Website. These Terms and Conditions supersede all previous agreements and understandings regarding your use of this Website.


Premium Medical Protection Limited may in its sole discretion, and without notice, assign and/or subcontract its rights and/or obligations under these Terms and Conditions to any third party. However, you have no right to assign and/or subcontract any of your rights and/or obligations under these Terms and Conditions.


If any Term and/or Condition, or any part thereof, is or becomes invalid, illegal or unenforceable, it will be deemed modified to the minimum extent necessary to make the Term and/or Condition legal and enforceable. If such modification is not possible, the relevant Term and/or Condition, or part thereof, will be deemed deleted. Any modification to or deletion of a Term and/or Condition, or any part thereof, will not affect the validity and enforceability of the rest of the Agreement.

Intellectual Property Rights

The contents of these pages are Copyright © 2024 Premium Medical Protection Limited.

We are the owner or the licensee of all intellectual property rights in our Website, and in the images and other material published on it (the ‘Content’). The Content is protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts of any page(s) from our Website for your personal reference and you may draw the attention of others within your organisation to material posted on our Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) such as the authors of Content on our website must always be acknowledged.

You must not use any part of the materials on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.


If you have any concerns about material which appears on our Website, please contact tech@premiummedicalprotection.com

Thank you for visiting our Website.

Commercial Client Terms of Business

Click to view our Commercial Client Terms & Conditions as a PDF.