Terms of use

Please read these Terms of Use carefully before you start to use this website. These Terms of Use (together with the Privacy and Cookie Policy) tell you the conditions on which you may make use of the website www.ppawinsurance.co.uk.

By using this Website you are consenting to our Terms of Use and Privacy and Cookie Policy. We may change these Terms of Use from time to time. You should check these Terms of Use every time you access this Website. By using our Website, you agree to these Terms of Use (together with the Privacy and Cookie Policy) at that time and that you agree to abide by them.


This Website is operated by Clear Insurance Management Limited ("Clear" "We", "Us", "Ourselves" or any generic term or phrase). We are registered in England and Wales under company number 3295978 and have our registered office at 45 Blondvil Street, Coventry, CV3 5EQ. We trade from here and 14b St Cuthbert’s Street, Bedford, MK40 4JB. We are not registered for VAT.

Clear Insurance Management Limited is an independent Chartered insurance broker which is authorised and regulated by the Financial Conduct Authority. Our FCA register number is 307982.

The Financial Services Register can be accessed at https://www.fca.org.uk/firms/financial-services-register


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 Website without notice. 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 without liability restrict access to some parts of our Website, or our entire Website.

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, or permit its use by, 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.


All material contained on the Website is our property or the property of our third party licensors. All such intellectual property rights in the Website are reserved.

We grant you a limited licence to access any part of the Website you are authorised to access for the sole purpose of obtaining information concerning HIA and the services it offers.

You may not use the Website or any of the content for any other purpose whatsoever without our express written permission.

You may not:

  • remove any copyright, trade mark or other intellectual property right notices contained in material on the Website; or
  • modify or alter all or any part of the Website or any materials contained on the Website without our prior written agreement;

other than for the purpose of reasonable personal use.


We process information about you in accordance with our Privacy and Cookie Policy as amended from time to time. By using our Website, you consent to such processing and you warrant that all data provided by you is complete and accurate. In the event that HIA undergoes reorganisation or is sold to a third party, any personal information HIA 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 and Cookie Policy.


As a condition of your use of this Website you agree that you will not:

  • reverse engineer or decompile (whether in whole or in part) any software at the Website (save to the extent expressly permitted by applicable law);
  • enter those parts of the Website that are protected by password unless you have, and are entitled to use, a valid password;
  • publish, post, upload, distribute, disseminate or otherwise transmit, information or pictures that are obscene or pornographic onto the Website;
  • use threatening, menacing, racist, offensive, defamatory, libellous, slanderous or otherwise unlawful language on the Website;
  • upload anything to the Website that contains software or other materials in breach of any intellectual property rights or in breach of confidence; or
  • engage in any behaviour intended to inhibit any other user from using and enjoying the Website or is otherwise likely to damage or destroy the reputation of the Website, including, without limitation, hacking into the Website, delivering viruses or forwarding chain letters, surveys, contests or pyramid schemes.


You may link to our home page, provided you do so in a way that is fair and in accordance with your local law and does not damage our reputation or take advantage of it, but 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, or suggest that our Website or any part of it is owned by you.

You must not establish a link from any website that is not owned by you.

Our Website must not be framed on any other site, 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.


Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. We do not control and are not responsible for these websites or their content, accuracy or availability. We therefore do not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. Prior to using the services provided by other websites you should always read the relevant "Terms of Use" governing those websites.

We are not liable or responsible for any third party content uploaded to the Website. Third party content includes, for example, comments posted by users in response to our blog posts. Commentary and other materials posted on our Website are not intended to amount to advice on which reliance should be placed and are for information purposes only. We are not responsible, or liable to any third party, for the content or accuracy of any materials posted by you or any other user of our site.


Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose.

We have the right to remove any material or posting you make on the Website, without notice and for whatever reason.


The information contained on the Website is for information purposes only and does not constitute advice, nor does it constitute an offer to provide services. We are providing this Website on an "as is" basis and make no representations or warranties of any kind with respect to this Website or its contents and we disclaim all such representations and warranties. You should check any information on the Website and use your own judgment before doing or not doing anything on the basis of what you see.

We exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party including, without limitation, any direct, indirect, punitive or consequential loss or damages, any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and in each case whether in tort (including, without limitation, negligence and negligent misrepresentation), contract or otherwise in connection with:

  • the use, inability to use or the results of use of this Website or any third party websites linked to this Website, or the material on this Website or any third party websites linked to this Website, including but not limited to loss or damage due to viruses that may infect your computer equipment, software, data or other property on account of your access to, use of, or browsing this Website or any third party websites linked to this Website; or
  • your downloading of any material from this Website or any third party websites linked to this website.

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


This Terms of Use, together with the Privacy and Cookie Policy, constitutes the entire agreement between you and us, and supersedes and extinguishes all previous Terms of Use, agreements, arrangements and understandings between us, whether written or oral, relating to its subject matter.

You acknowledge that, in agreeing to these Terms of Use, you have not relied on any statement, representation, assurance or warranty (whether made negligently or innocently) other than those expressly set out in these Terms of Use.

You agree that you shall have no remedies in respect of any representation or warranty (made innocently or negligently) that is not set out in these Terms of Use. You shall not have any claim for innocent or negligent misrepresentation based upon any statement in these Terms of Use.


These Terms of Use and your use of the Website shall be governed by and construed in accordance with the laws of England and any disputes arising out of or in connection with these Terms of Use or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England.


Any changes we may make to our Terms of Use or Privacy and Cookie Policy in the future will be posted on this page and, where appropriate and reasonable for us to do so, notified to you by email. This may include (without limitation) changes to how we use your data.


If any part of these Terms of Use is found by a Court of competent jurisdiction or other competent authority to be invalid unlawful or unenforceable then such part will be severed from the remainder of these Terms of Use and the remaining Terms of Use will continue to be valid and enforceable to the fullest extent permitted by law.


We make no representation that the content of the Website is appropriate for use in all locations, nor that products or services discussed at the Website are available for sale or use in all jurisdictions. Those who access the Website do so on their own initiative and are responsible for compliance with applicable local laws or regulations. The Website is designed for use by clients domiciled in and operating from the UK and other users of the Website may not necessarily be able to deal directly with all entities that have materials on the Website.


Any query or complaint regarding the use of this Website should, in the first instance, be addressed to Clear Insurance Management Limited, who will investigate your query or complaint and provide a response. In the event that we are unable to resolve your complaint to your satisfaction, we can provide you with details on how to refer your complaint to the Financial Ombudsman Service.


Questions, comments and requests regarding these Terms of Use or the Privacy and Cookie Policy should be addressed to [email protected].