Use of Website - Terms & Conditions

Welcome to our website. Your use of this website is subject to these Terms and Conditions and by using this site you agree to be bound by them. Please do not use this site if you do not accept them. From time to time our Terms and Conditions may change. Accordingly we recommend that you check this page regularly making sure you are aware of any changes. Our website is provided for the personal use of individuals only and you may not provide access to our services or the results of our services to any third parties or use them for any commercial purposes. This website is only intended for use by residents of the United Kingdom.

About Us
This website is owned and operated by Hard To Limited a company registered in England and Wales, Registration Number 7272637. Hard To Limited has its registered office at 5 Prospect Place, Millennium Way, Pride Park, Derby, DE24 8HG. The term 'Hard To Insure' or 'us' or 'we' refers to the owner of the website. The term 'you' refers to the user or viewer of the website.

Our services
You will not receive advice or recommendation from us about any insurance products. We are not an insurance broker and therefore we do not sell insurance. We will pass on the information with which you provide us to one or more specialist insurance intermediaries/providers who may be able to offer products which are suitable to meet your requirements and circumstances. We cannot guarantee that you will always be provided with an insurance quotation as this is dependent on the detail and circumstances of each particular risk. You should check that the insurance intermediary/provider has not made any inaccurate assumptions about you based on your request for a quote.You are allowed to use our website and access our service free of charge. We do however charge the third party product or service provider a fee/commission for this service.

What are your responsibilities?
It is your responsibly to ensure that all information used by an insurance intermediary/provider in arranging an insurance policy for you is correct. You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge. We are not in any way responsible for any inaccuracies in any insurance policy taken out by you from any insurance company or broker.  We are not able to advise on the suitability of any product for you and it is your responsibility to discuss your insurance and/or financial requirements and details with any insurer, broker, or company before taking out an insurance policy or entering into any other financial agreement. Failure to do this could, for example, result in you taking out insurance which is not suitable for your requirements and which may be inadequate in the result of a claim.

We will take all reasonable steps to ensure that the information contained on our website is accurate. We do not accept any responsibility or liability whatsoever in contract, tort or otherwise for any loss or damage caused by or arising directly or indirectly in connection with any use or reliance on the contents of our website service except to the extent that such liability cannot be excluded by law. If you rely on any information or other material contained in our website, you do so entirely at your own risk and you accept that all warranties, conditions and undertakings, express or implied, whether by common law, statute, trade usage, course of dealings or otherwise in respect of this website are excluded to the fullest extent permitted by law.

Nothing in these terms and conditions shall exclude our liability to you for fraudulent misrepresentation by us or our employees or for death or personal injury resulting from our negligence or that of our employees.

Force majeure
Hard To Insure shall not be liable to you under these terms and conditions or be deemed to be in breach of the these terms and conditions in the event of any strike, lock-out, act of God, or riot, civil commotion, blockade, embargo, fire, explosion, flood, adverse weather or any other circumstances (whether or not of a similar nature to the foregoing) over which they have no reasonable control. 

Third party websites
This website may also contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any linked website. No one may link into this site without our prior written consent. 

Personal information/Our Privacy Policy
We collect your personal data information through this website. Information regarding the privacy of personal data is available in our Privacy Policy which forms part of these Conditions of Use. Please read the Privacy Policy carefully; it deals with your rights and our obligations in relation to your personal data, including what we can do with it, to whom we may disclose it together with your rights of access. All information provided via the Hard To Insure website will be treated as confidential.

Copyright/Intellectual Property 
All copyright, design rights, database rights and other intellectual property rights in or relating to this service and the contents of this website belong either to Hard To Insure or our providers. You may not access or use this site for any commercial purposes or otherwise exploit, extract, publish, distribute, or reproduce any part of this site for any commercial purpose. 

Governing law and jurisdiction
This agreement shall be governed by and construed in accordance with English law, and is subject to the exclusive jurisdiction of the English courts.

What to do if you need to contact us?
If you have a general enquiry about any of our services, you can get in touch with us by email or post. You can contact Hard to Insure by sending an email to or you can write to Hard to Insure, 4 - 6 Aaron Road, Whittlesey, Peterborough, PE7 2EX.

These Terms & Conditions were last amended on 24 May 2018.


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