Website terms and conditions

Website Terms of Use

These are the terms and conditions (“Terms of Use”) which govern the use of all websites (“Site(s)”) owned, operated or provided by Insurance Insider (including https://www.insuranceinsider.com; https://www.insuranceinsiderus.com and https://www.insuranceinsiderils.com). 
These Terms of Use are binding on you and Insurance Insider.

1.    Definitions
1.1    The following defined terms apply in these Terms of Use:
Account Information: the username and password issued to Authorised Users and any other account-related information;
Additional Terms: as defined in clause 2.3;
AI Technologies: large language models, machine-learning or artificial-intelligence models, generative or agentic artificial-intelligence systems, retrieval-augmented generation systems, automated decision-making systems, and any similar technologies, tools or software, but excluding Product AI Features;
Authorised User: (a) an individual subscriber to one of our Products; or (b) an employee of an organisation or company who has subscribed to one of our publications who is authorised to use the Product;
Comments: as defined in clause 2.2;
Content: any data, information or content: (a) on the Site(s) and/or in the Product(s); and (b) in any newsletters, emails or other communications we produce, distribute or make available, irrespective of the delivery platform or device you use to access it;
Insurance Insider, we, us or our: Insider International Limited trading as Insurance Insider, a company registered in England and Wales under company number 15236286;
IPR: as defined in clause 7.1;
Our Services: as defined in clause 2.3;
Product: any of the news and/or market intelligence products we make available to customers from time to time, as detailed in the Additional Terms relating to that Product;
Product AI Features: any artificial-intelligence-enhanced features we may from time to time make available within or in connection with any Product;
Third Party Services: as defined in clause 6.2. 

2.    Introduction
2.1    Please read these Terms of Use carefully and make sure that you understand them before you start to use the Site. We recommend that you print a copy of these Terms of Use for future reference.

2.2    These Terms of Use govern:
(a)    your access to, and use of, the Site and Our Services, including any Content made available to you; and
(b)    your submission of any comments, postings, comments, designs, words, images or other material to the Site (“Comments”).

2.3    If you are: (a) an Authorised User of any Product; (b) make use of any other services that are made available via the Site; and/or (c) participate (whether as a delegate, sponsor, attendee or any other capacity) in any event organised by us or on our behalf, (together, “Our Services”), you will be subject to additional terms and conditions which will be notified to you when you or your employer purchases or makes use of Our Services (“Additional Terms”). In the event that there is any conflict between these Terms of Use and the Additional Terms, the Additional Terms shall take precedence over these Terms of Use.

2.4    By using the Site you confirm that you accept these Terms of Use and that you agree to comply with them. You further agree to comply with any Additional Terms which apply to Our Services, if you purchase or make use of Our Services. 

2.5    We may amend the Terms of Use at any time by posting the amended terms on the applicable Site. Your continued use of the Site following the posting of amended terms means that you accept and agree to the amended terms. We recommend that you check the applicable Site regularly for any updates.

2.6    If you do not agree with the Terms of Use, you should not use our Sites or access or view any Content. 

3.    Access and use of the Site
3.1    We shall endeavour to provide you with ongoing and continual access to the Site and any Content, but we cannot and do not guarantee to do so. 

3.2    We may, at any time and without liability, update, modify or remove the Site or any Content in our sole discretion. Content on the Site may be out of date at any given time, and we are under no obligation to update it.

3.3    We may suspend, withdraw, discontinue or change all or any part of a Site or any Content without notice. Except as expressly stated otherwise in any Additional Terms, we will not be liable to you if for any reason a Site or any Content is unavailable or is withdrawn at any time or for any period.

3.4    The Site and Content are provided for general information purposes only and are not intended to amount to any form of advice, recommendation, representation, endorsement or arrangement on which you should rely. They are not intended to be and should not be relied upon by users in making (or refraining from making) any specific investment, purchase, sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser.

3.5    All information received by you from your use of the Site will be used by us in accordance with our Privacy Policy (www.insuranceinsider.com/privacy-policy). Please read the Privacy Policy for details of how we may process your personal data.

3.6    We may choose to restrict access to: (a) the Site or to parts of it; and/or (b) the Content or parts of it, to Authorised Users. 

3.7    If you are an Authorised User, you must:
(a)    treat your Account Information as confidential;
(b)    not allow others to use your Account Information (and your Account Information is not transferable to anyone else); and
(c)    inform us immediately you know or suspect that anyone other than you knows your Account Information. 

3.8    We have the right to disable any Authorised User’s access to Our Services if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of Use or any Additional Terms, and you are and remain liable for any unauthorised use of your Account Information. 

4.    Acceptable Use of the Site and Content
4.1    You must not use the Site:
(a)    in any way that breaches any applicable local, national or international law or regulation;
(b)    in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
(c)    to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam); or
(d)    to knowingly transmit any data, send or upload any material (including Comments) that contains viruses, spyware, adware or any other harmful programs or similar computer code intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information or adversely affect the operation of any computer software or hardware.

4.2    You agree not to access, without due authority, or interfere with, damage or disrupt:
(a)    any part of the Site;
(b)    any equipment or network on which our Site is stored;
(c)    any software used in the provision of our Site; or
(d)    any equipment or network or software owned or used by any third party. 

4.3    Except to the extent expressly permitted in any Additional Terms or in clause 7.2 of these Terms of Use, you may not:
(a)    copy or reproduce any Content;
(b)    store Content in, or transmit Content to, any other website, newsgroup, mailing list, electronic bulletin board, server or other storage device connected to a network or regularly or systematically store in electronic or print form;
(c)    share Content with, or make Content available, to anyone who is not an Authorised User, nor allow any person who is not an Authorised User to view, read or access the Content;
(d)    recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, create derivative works or databases from, transmit, transfer, sell, license, upload, edit post, frame, link, or in any way exploit any Content;
(e)    remove the copyright or trademark notice from any Content;
(f)    use or permit the use, whether through automated means or otherwise, of any software, tool or other device (including, but not limited to robots, crawlers, spiders or scripts) on any Site or Content, in order to copy, collect or scrape any Content; or
(g)    use any Content to provide any services which compete with our business or for any other commercial purposes.

4.4    You must not modify any paper or digital copies of any Content you have printed off or downloaded from the Site 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 contributors) as the authors of the Content on our Site must always be acknowledged.

4.5    Except to the extent expressly permitted in any Additional Terms, you shall not:
(a)    use any Content to train, develop, fine-tune or improve any AI Technologies (including by providing Content as training, instruction or reinforcement data), or to create embeddings, vector representations, feature stores, shared knowledge bases, or any other persistent structured derivative thereof;
(b)    use any Content to create derivative works, compilations, or collective works for distribution or disclosure to any person who is not an Authorised User, or commercially exploit, sell, license, or otherwise monetise any Content or output derived therefrom using AI Technologies, or use any Content in conjunction with AI Technologies to compete with us; or
(c)    input or upload any Content into any technology, tool, software, or model incorporating any AI Technology.

4.6    Usage of the Site, Content or Our Services which is not expressly permitted under these Terms of Use or any Additional Terms constitutes a breach of these Terms of Use and may also be a breach of copyright law. If, in our reasonable opinion, you are abusing the Site, or using the Content or Our Services in ways or quantities which:
(a)    are beyond reasonable for an individual user; 
(b)    significantly impair other customers' access and/or use of the Site, Content or Our Services;
(c)     affect the integrity, operation or security of the Site, Content or Our Services;
then we reserve the right to place restrictions on your use of and/or access to the Site, Content, and/or Our Services.    

5.    Comments
5.1    Any Comments provided by you will be considered non-confidential and non-proprietary. 

5.2    You retain all of your ownership rights in your Contributions, but you are required to grant us a non-exclusive, transferable, perpetual, royalty-free, worldwide licence to copy, use, reproduce, distribute, display, publish, adapt, prepare derivate works of and/or amend any Comment in any format. This licence shall include the right for any user of the Site to access and use the Comment. 

5.3    Comments provided by you must be accurate, genuinely held (where they state opinions), and comply with applicable law. Comments must not:
(a)    contain any material which is libellous or defamatory of any person;
(b)    contain any material which is obscene, pornographic, offensive, hateful or inflammatory;
(c)    promote violence or discrimination based on any protected characteristic; 
(d)    be threatening, abusive or deceitful, or harass, upset, embarrass, alarm or annoy any other person;
(e)    infringe any intellectual property rights, other proprietary rights or the privacy or confidential information of any person;
(f)    be used to impersonate any person, or to misrepresent your identity or affiliation with any person;
(g)    advertise any goods or service or be for a commercial purpose;
(h)    give the impression that they emanate from us, if this is not the case; or
(i)    promote or assist any unlawful act. 

5.4    We reserve the right to make additions or deletions to, to edit, crop or arrange any Comments prior to publication. We also reserve the right not to publish a Comment, in whole or in part, or to remove a Comment in whole or in part.

5.5    The views expressed by other users on our Site, including in any Comments, do not represent our views or values.

6.    Third Party Links or Services
6.1    Our Site may contains links to third party sites and/or resources. These links are provided for your information only, and are not an endorsement by us of those linked websites or resources. We have no control over the content of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. You should check the terms of use applicable to any website or other resource that you link to from the Site.

6.2    Our Site and/or Our Services may include or rely on third-party tools, software, or services (“Third Party Services”). Where required, you agree to comply with any applicable third-party terms relating to such Third-Party Services.

7.    Intellectual Property Rights
7.1    Insurance Insider or its licensors own all of the rights and title in and to the Site(s) and Content (including text, information, graphics, interfaces, photographs, video and other material), including the  intellectual property rights (including copyright and database rights) (“IPR”) therein.  Such IPR is protected by UK and international copyright, trade mark, patent, trade secret, and other IPR or proprietary rights laws.

7.2    You may not use any of our IPR without our express written consent, however you are permitted to print or save, to your individual PC, tablet or storage, extracts from this Site for your own personal non-commercial use. Any use of our Content must comply with the restrictions in clause 4. 

7.3    We do not represent or warrant that:
(a)    your use of the Services will be uninterrupted or error-free;
(b)    the Content is current, complete or up-to-date, or will be of satisfactory quality;
(c)    we will review the Content for accuracy;
(d)    we will preserve or maintain the Content without loss;
(e)    that the Site or Our Services will meet your business goals or other requirements or expectations (or, if achieved, that such results will be sustainable); nor
(f)    the use of any of the Content shall not infringe the intellectual property rights of any third party.

8.    Suspension and termination 
8.1    If we determine, in our absolute discretion, that you have breached these Terms of Use, we may take any or all of the following actions:  
(a)    temporarily or permanently withdraw your right to use the Site, Content and/or Our Services;
(b)    temporarily or permanently remove any Comment uploaded by you to our Site;
(c)    issue a warning to you;
(d)    take legal action against you; and/or
(e)    disclose such information to law enforcement authorities as we reasonably feel is necessary to do so.
8.2    Where access to or use of any of Our Services is dependent on payment of a fee, any failure by you, or your employer, as applicable, to make full payment of such fees when due may result in temporary or permanent suspension of access to Our Services. 

9.    Limitation of liability
9.1    Save as expressly provided in any Additional Terms, all warranties, conditions and other terms implied by statute or common law are, to the fullest extent permitted by law, excluded from these Terms of Use. 

9.2    To the maximum extent permitted by law, we and our respective agents and representatives shall have no liability whatsoever to you or any third party 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 your use of the Site or Content, or use of or reliance on Content (including any Comments provided by you or a third party). 

9.3    We will not be liable under any circumstances for:
(a)    loss of profits, sales, business, or revenue;
(b)    business interruption;
(c)    loss of anticipated savings;
(d)    loss of business opportunity, goodwill or reputation; or
(e)    any indirect or consequential loss or damage.

9.4    We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful, contaminating or destructive material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or Our Services, or to your downloading of any Content.

9.5    Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be limited or excluded by law.

10.    General
10.1    You may not license or transfer any of your rights under these Terms of Use. We may transfer any of our rights or obligations under these Terms of Use to any affiliate or group company, but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honour your rights under them.

10.2    If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms of Use, which will remain in full force and effect.

10.3    Failure by either party to exercise any right or remedy under these Terms of Use does not constitute a waiver of that right or remedy. 

10.4    Headings in these Terms of Use are for convenience only and will have no legal meaning or effect.

10.5    These Terms of Use and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or its subject matter shall be governed by and construed in accordance with the law of England and Wales. The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with these Terms of Use, their subject matter or formation.

10.6    These Terms of Use were last updated in May 2026 and except for any Additional Terms, replace with immediate effect all previous terms and condition, communications, representations and arrangements, either written or oral.