Legal

The Content

Combined Insurance and ACE Limited make no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. Combined Insurance and ACE Limited hereby disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall Combined Insurance nor ACE Limited be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action, including but not limited to contract, negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content. Although Combined Insurance and ACE Limited believe the content to be accurate, complete and current, Combined Insurance and ACE Limited make no warranty as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors. From time to time changes are made to content herein. Combined Insurance and ACE Limited may make changes in the products and/or the services described herein at any time.

Links to Other Sites

Some of the sites listed as links herein are not under the control of either Combined Insurance or ACE Limited. Accordingly, Combined Insurance and ACE Limited make no representations whatsoever concerning the content of those sites. The fact that Combined Insurance or ACE Limited have provided a link to a site is not an endorsement, authorisation, sponsorship or affiliation with respect to such site, its owners or its providers. Combined Insurance and ACE Limited have not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Combined Insurance and ACE Limited caution you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.

Copyright Notice

The content of this site, including but not limited to the text and images herein and their arrangement, are copyright © 2000-2012 by Combined Insurance, its operating affiliates and ACE Limited ("ACE"). All Rights Reserved.

Authorisation of Use

Combined Insurance and ACE Limited hereby authorise you to copy and display the content herein, but only for your personal or informational and non-commercial use. However, the content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. If attribution to Combined Insurance or ACE Limited is included, limited quotations from the content are hereby permitted. You may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of Combined Insurance and ACE Limited. No modifications of any content may be made.

No Implied Licences

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any licence or right under any patent, trademark, copyright (except as expressly provided above), or proprietary rights of Combined Insurance, ACE Limited, or of any third party.


Combined Insurance is a trading name used by the ACE Group of Companies including ACE European Group Limited (AEGL) & ACE Europe Life Limited (AELL). Combined Insurance’s general insurance products are provided by AEGL and its life assurance and permanent health products by AELL. AEGL (company number 1112892) & AELL (05936400) are registered in England & Wales with registered offices at 100 Leadenhall Street London EC3A 3BP. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

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