Terms and Conditions
Please read these terms carefully before using the Swan Protect website and services.
1 About this website
This website is operated by Swan Protect, a trading name of Stonebridge Cover Limited. By using this website, you agree to these terms and conditions. If you do not agree, you should not use this website.
Company Details:
- Legal name: Stonebridge Cover Limited
- Company number: [insert company number]
- Registered office: [insert registered office]
- Trading name: Swan Protect
- Email: [insert email]
- Telephone: [insert phone number]
2 What this website is for
This website provides general information about private health insurance, business health insurance and related protection products.
The content is for general information only. It does not replace personal advice based on your individual circumstances unless we expressly provide an advised service after gathering relevant information from you.
No policy should be purchased solely because of information on this website. You should review policy documents, exclusions and insurer terms before applying.
3 No guarantee of cover or price
Any information on this website is subject to change and does not guarantee that cover will be available, suitable or offered at a particular price.
Insurance premiums, underwriting decisions, policy terms and exclusions are set by insurers and may depend on your age, postcode, medical history, cover level, claims history and other factors.
A quote is not binding until accepted by the insurer and confirmed in writing.
4 Accuracy of information
We aim to keep website information accurate and up to date. However, insurance products, provider terms and regulatory requirements can change.
You should not rely on website content as the only source of information. Always check the insurer’s official policy documents before making a decision.
If you notice information that appears incorrect, please contact us.
5 Your responsibility when applying
When applying for insurance, you must answer all questions honestly, accurately and completely.
Failure to disclose relevant information or providing incorrect information may result in claims being declined, cover being cancelled or policy terms being changed.
You should read all policy documents carefully before accepting cover.
6 Medical information
Any health or medical information on this website is general in nature. It is not medical advice. If you have medical concerns, you should speak to a qualified healthcare professional. In an emergency, call 999 or go to NHS Accident and Emergency.
7 Third-party links
This website may include links to third-party websites, including insurers, regulators or information providers. We are not responsible for the content, accuracy, security or availability of third-party websites. Links do not mean we endorse those websites.
8 Intellectual property
All website content, branding, text, graphics and layout belong to Stonebridge Cover Limited or are used with permission, unless otherwise stated. You may view and print pages for personal use only. You must not copy, reproduce, republish or commercially use website content without written permission.
9 Website availability
We do not guarantee that this website will always be available or error-free. We may suspend, withdraw or change any part of the website without notice.
10 Liability
We are not responsible for losses caused by reliance on general website information where you have not obtained specific advice or reviewed the relevant policy documents. Nothing in these terms excludes liability where it would be unlawful to do so.
11 Privacy and data protection
Your personal information is handled in line with our Privacy Policy. By submitting an enquiry form, you agree that we may use your information to respond to your enquiry and, where appropriate, help arrange quotations or insurance cover.
12 Changes to these terms
We may update these terms and conditions from time to time. The latest version will be published on this page.
13 Governing law
These terms are governed by the laws of England and Wales. Any disputes will be subject to the jurisdiction of the courts of England and Wales.