Terms of Business Agreements.

Terms & Conditions.

These terms and conditions apply to the provision to you, your employer or the person or organisation you represent (‘You’ / ‘Your’ / ‘Yourself’), as applicable, the user, by AFL Insurance Brokers Ltd (‘AFL’, ‘We’, ‘Us’, ‘Our’), of this website, and the use by You of the website. It is important that You read these terms and conditions carefully. By using this website You are deemed to have accepted these terms and conditions in their entirety and You agree to use the website in accordance with them. We may revise these terms and conditions by updating this posting. Any such modifications shall become effective immediately.

  • Due to the nature of the Internet and our need to undertake website maintenance, We cannot guarantee to provide and maintain the website continuously and without interruption and faults.
  • By registering your details with AFL, you are giving your explicit consent to the processing of personal data which you provide to us, including any sensitive personal data as defined in the General Data Protection Regulation (GDPR) and associated UK Data Protection legislation. Details of Our Privacy Notice is available below.
  • You accept and acknowledge that the intellectual property in the website is owned by AFL. You will not remove in whole or in part any trade marks, copyright and other proprietary notices contained in or appearing on any material You download and/or print from the website.
  • You recognise that the Internet is accessible to anyone with the appropriate technical capability and as such it is impossible to protect totally against abuse of the website by third parties, including the introduction of a virus, worm, trojan or other malicious software (‘Malicious Software’) onto the website. You acknowledge that it is Your responsibility to satisfy Yourself that Your own information technology is protected against Malicious Software.
  • You are responsible in all respects for the content of the material You place on the website about Yourself and Your insurance requirements, and You warrant, represent and undertake to Us that the information You supply to Us shall be accurate, complete, true and up to date.
  • You may use this website for viewing or requesting information We may publish from time to time regarding Our business and other services available.
  • You are responsible for checking whether any policy wording contained on the website is suitable for You.
  • No information We provide through the website shall be binding on Us. You acknowledge that reliance on any information or other material posted on the website is entirely at Your own risk. You should check all information directly with Us and should not rely on any material contained on the website as a statement, representation of fact or warranty.
  • As far as permitted by law, We shall not be liable for any loss, howsoever arising and whether or not as a result of negligence, whether direct or consequential, arising out of or in connection with this website. All warranties, undertakings, conditions and terms, express or implied, whether by common law, statute, custom, trade usage, course of dealings or otherwise (including without limitation as to quality, fitness for purpose, performance or suitability for purpose) in respect of the website are hereby 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.
  • These terms and conditions represent the entire agreement in relation to the subject matter of these terms and conditions between Us and supersede all other agreements and representations made by either party whether oral or written.
  • These terms and conditions shall be governed by and construed and interpreted in accordance with English law and the parties hereby submit to the exclusive jurisdiction of the English Courts.
  • Links to external websites, from this website, have been clearly labelled. You are responsible for checking the terms of use, privacy statement and disclaimer of any external website. Any use of such links is at Your own risk and AFL disclaims responsibility for their contents. You recognise that AFL does not control such websites and does not endorse the material available from them; a link does not imply any association with the operator of a website.

Financial Ombudsman Service


AFL takes great care to ensure the information appearing on this site is accurate and up-to-date. However, errors and omissions can occasionally occur and the user should not take the accuracy of the information for granted but should check directly with AFL.

None of the material contained in this site is to be relied upon as a statement or representation of fact. AFL has no control over the use to which the information may be put by the user and accordingly shall not be liable for any loss of profits or contracts or any indirect or consequential loss or damage arising out of, or in connection with, the use of such information. The statutory rights of a client dealing with AFL as a consumer shall remain unaffected.

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