Conditions of Use

Please read these conditions of use carefully before accessing this website. By accessing and using this website you signify your agreement to these conditions of use. If you do not agree to these conditions do not continue to use or access this website.

Access to certain content and areas of the site is restricted to members and clients of the LMA (Registered Users).

Site Content

The information on this Lloyd's Market Association ("the LMA") website is not intended to constitute any recommendation, or offer to sell or quote for any insurance product. Any insurance products or services referred to on this website are subject to the legal and regulatory requirements applicable in the jurisdiction in which the risks and/or (potential) assureds are located and therefore may not be available in all jurisdictions. The information and descriptions on this site are provided for general information purposes only. Any insurance products and services referred to will be subject to the insurance providers' terms and conditions.

Privacy Policy 

Further information about privacy and data protection is available here


The LMA in England provides this website on an "as is" and "as available" basis and makes no representations or warranties of any kind, express or implied with respect to this website or its operation, contents, products, services or that materials on the website are appropriate or available for use in other locations. If you use this website from other locations you do so on your own initiative and you expressly agree that your use of this website is at your own risk and that you are responsible for compliance with applicable local laws.

Limitation of Liability

The LMA does not represent or warrant that information available on this website is accurate, current or complete and it disclaims any and all representations and warranties, including but not limited to any warranty of suitable quality or fitness for a particular purpose to the full extent permitted by law. In no event shall the LMA be liable to you or to any other person or entity, in any manner (including, but not limited to negligence) for damages of any kind arising from the use of this website, including but not limited to direct, indirect, actual, incidental, punitive, special or consequential damages, lost income, revenue or profits, lost or damaged data, or other commercial or economic loss, that result from your use of, or inability to use, this website, even if the LMA has been advised of the possibility of such damages or such damages are foreseeable.

Intellectual Property Notice

Copyright © 2002-2009 Lloyd's Market Association ALL RIGHTS RESERVED

Except where otherwise stated, the contents of this website including, but not necessarily limited to, text, content, design, layout, HTML programming, concept and layout of the site are the copyright of the LMA 2002-2008. The trade marks and logos used and displayed on this website are registered and unregistered trademarks of the LMA and others and may not be used, copied, modified or adapted without the prior written consent of the trade mark owner. If you send us suggestions, ideas, notes, drawings, concepts, or other information (hereafter collectively "Suggestions"), the Suggestions shall be deemed to be the property of the LMA and the LMA shall be entitled to unrestricted use and development of the Suggestions for any purpose without compensation to the provider of the Suggestions.

Policy Wordings and Clauses

Where this site gives or facilitates access to insurance wordings, these are provided as a service to members and clients of the LMA. The use of these wordings shall be without liability to the LMA. The members and clients acknowledge the LMA's copyright in LMA-referenced wordings. Members and clients should, where appropriate, take professional advice as to the suitability of wordings for their intended use.


The LMA accepts no responsibility for the content of any site to which a hypertext link from this website exists. The links are provided "as is" with no warranty, express or implied for the information provided within them.

Jurisdiction and Disputes

This website and these conditions of use shall be governed by the laws of England and the parties submit to the exclusive jurisdiction of the Courts of England and Wales.

Glossary of terms

Cookie: Message given to a web browser by a web server. The message is then stored by the browser in a text file called cookie.txt. Each time the browser requests a page from the server, this message is sent back. A cookie's main objective is to identify users and personalise their visit by customising web pages for them for example by welcoming them by name next time they visit the same site. A site using cookies will usually invite you to provide personal information such as your name, e-mail address and interests.

Web Browser: Used to locate and display web pages via a software application. Examples of browsers are: Microsoft Internet Explorer, Mozilla, Firefox and Netscape Navigator.

Web Server: A computer connected to the Internet that stores HTML documents which can be located and retrieved by a computer with a Web browser. The server delivers (serves up) web pages to that computer.

© LMA 2002-2009