Can we help?
To get a quote or apply for cover over the phone
Mon to Fri: 8am–7pm
Date last modified: 30 January 2017
Other applicable terms
Information about us
We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 117672. You can check this on the Financial Services Register at www.fca.org.uk/register.
The Royal London Group’s registered VAT number is 368 5244 27.
Changes to these terms
Please check this page from time to time to take notice of any changes we made. Any changes will apply to you in your continuing use of the website.
Changes to our website
We may update our website from time to time, and may change the content at any time, to reflect changes to our services and products, our user’s needs and our business priorities. However, please note that any of the content on our website may be out of date at any given time. If you are unsure, please contact us.
We do not guarantee, warrant or represent that our website, or any content on it, will be free from errors or omissions.
Accessing our website
Our website is made available free of charge.
We do not guarantee that our website, or any content on it, will always be available or be uninterrupted, or that our website will be secure or free from bugs or viruses. Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice for business or other operational reasons. We will not be liable to you if for any reason our website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our website.
Use of our website
This website is intended for use by those who access it from the United Kingdom only. This website is not intended for distribution to, or use by, any person in a country where such distribution or use would be contrary to local laws or regulations.
You agree to use the website only for lawful purposes and in a way which does not infringe the rights of anyone else or restrict or inhibit anyone else's use and enjoyment of the website. The content of our website, including our quote and apply tool, must not be copied or reproduced, modified, redistributed, used or otherwise dealt with for any reason other than browsing, or purchasing, products and services without our express written permission. You are not entitled to use the content of the website for commercial exploitation unless we have explicitly authorised you in writing.
By using our website, you agree that you will not carry out any rate or data scraping activity in respect of our website or the products or services offered.
Your account and password
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. You must not disclose it to any third party.
If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us (see "Contact us" section below).
You instruct us to accept as genuine and duly authorise any instruction placed using your identification code and password. Unless you advise us that your identification code and password have been compromised any instruction using them will be deemed valid.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are 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 use and you may draw the attention of others within your organisation to content 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) as the authors of content on our website must always be acknowledged.
No reliance on information
The content on our website is provided for general information only. It is not intended to amount to financial or other professional advice on which you should rely. You must obtain financial or other professional advice if you require it before taking, or refraining from, any action on the basis of the content on our website.
Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.
Limitation of our liability
To the extent permitted by law, we will not be liable to any website user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
If you are a business user, please note that in particular, we will not be liable for:
For business users, to the fullest extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our website or any content on it, whether express or implied.
If you are a consumer user and defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to take reasonable care, we will either repair the damage or pay you compensation.
This website may contain links to other websites. We assume no responsibility for the content of websites linked on our website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products or services by us to you, which will be set out in the relevant product or service terms and conditions.
Viruses, hacking and other offences
You are responsible for configuring your information technology, computer programs and platform in order to access our website. You should use your own virus protection software.
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.
Linking to our website
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link to our website in any website that is not owned by you.
Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page.
We reserve the right to withdraw linking permission without notice.
Third party links and resources in our website
Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those websites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
To contact us, please call our Customer Services team by phone on 0845 050 2020 between the hours of 8.00am and 6.00pm from Monday to Friday. Telephone calls may be recorded for training and security purposes. Call charges will apply.
Thank you for visiting our website.