Please note that under English Law, a business (re)insured has a duty to disclose all facts that are material to the risk insured, before the cover is placed, when renewed, or altered at any time throughout the duration of the policy. A material fact is a fact which may influence an (re)insurers assessment of a risk, including its terms and pricing. If you are in any doubt whether a fact is material, it should be disclosed, as failure to disclose such a fact may entitle your (re)insurer to void your policy from inception.

The information in this e-mail and any attachments is confidential and may be legally privileged or otherwise protected from disclosure. It is intended solely for the addressee and if you have received this e-mail in error please notify the sender immediately and then delete this e-mail and any attachments from your system. You must not retain, copy or use this e-mail or any attachments for any purpose nor make any disclosure of its contents to any other person. Crispin Speers & Partners Ltd do not accept any responsibility for any loss or damage arising from a virus or other defect in any e-mail or attachment that may affect your computer.

Please note that if you are domiciled outside the United Kingdom, different countries have differing definitions of complaints and eligible complainants and differing complaints procedures and dispute resolution bodies. The relevant procedure is available in your certificate schedule but if you have not received it and wish to make a complaint please contact us and we shall provide you with the details.

We are Authorised and Regulated by the Financial Conduct Authority (FCA). Our registration number is: 490683.

Channing Lucas & Partners Limited. Registered in England No. 6229756. Registered Address: St Clare House, 30-33 Minories, London EC3N 1PE.