Website Terms of Use

These Terms of Use were last modified on and are effective as of 20th July 2017.

ARAG PLC ("we" "us") provide the website ("our website"). We are a limited company with our registered office located at 9 Whiteladies Road, Clifton, Bristol BS8 1NN and registered in England and Wales with company number 2585818. Our VAT registration number is 917243724.


1.                Terms of use

1.1.            This Terms of Use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website, whether as a guest or a registered user. Use of our website includes accessing, browsing, or registering to use the our website.

1.2.            By using our website, you confirm that you accept these terms of use and that you agree to comply with them.

2.                Other applicable terms

2.1.            As well as these Terms of Use, the following additional terms also apply to your use of our website:

2.1.1.           Privacy Policy which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing and you warrant that all data provided by you is accurate; and

2.1.2.           any contract entered into between you and us for the provision of products and/or services (including any insurance and/or other service and/or product provided by us to you).  

3.                Accessing our website

3.1.            Our website is made available free of charge.

3.2.            We do not guarantee that our website, or any content on it, will always be available or be uninterrupted.

3.3.            Access to our website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our website without notice. We will not be liable to you if for any reason our website is unavailable at any time or for any period.

3.4.            You are responsible for making all arrangements necessary for you to have access to our website. 

3.5.            You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them. 

3.6.            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. You must not disclose it to 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.

3.7.            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.

4.                Variations

4.1.            We may revise these terms of use at any time by amending this page.

4.2.            You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our website.

5.                Changes to our website

5.1.            We may update our website from time to time, and may change the content at any time. However, please note that any of the content on our website may be out of date at any given time, and we are under no obligation to update it .

5.2.            We do not guarantee that our website, or any content on it, will be free from errors or omissions.

6.                Intellectual property rights

6.1.            We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it.  Those works are protected by copyright laws and treaties around the world.  All such rights are reserved.

6.2.            You may print off one copy, and may download extracts, of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. 

6.3.            You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

6.4.            Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged.

6.5.            You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors.

6.6.            If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

7.                No reliance on information

7.1.            The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

7.2.            Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up-to-date.

8.                Our liability

8.1.            The material displayed on our website is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties hereby expressly exclude:

8.1.1.           all conditions, warranties, representations or other terms which might otherwise be implied by statute, common law or the law of equity, and;

8.1.2.           any liability for direct, indirect, consequential loss or damage incurred by any user in connection with our website or in connection with the use, inability to use, or results of the use of our website, any websites linked to it and any materials posted on it, including: loss of income, or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time,

whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

9.                Viruses

9.1.            We do not guarantee that our website will be secure or free from bugs or viruses.

9.2.            You are responsible for configuring your information technology, computer programmes and platform in order to access our website. You should use your own virus protection software.

9.3.            You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

10.             Linking to our website

10.1.          You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

10.2.          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.

10.3.          You must not establish a link to our website in any website that is not owned by you.

10.4.          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.

10.5.          We reserve the right to withdraw linking permission without notice.

10.6.          If you wish to make any use of content on our website other than that set out above, please contact

11.             Third party links and resources in our website

11.1.          Where our website contains links to other sites and resources provided by third parties, these links are provided for your information only. 

11.2.          We have no control over the contents of those websites or resources.

12.             Applicable law

12.1.          If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

12.2.          If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

13.             Contact us

13.1.          To contact us, please email .

Thank you for visiting our website.