This website is solely owned and operated by Tower Insurance Company Ltd, whose registered office is at Jubilee Buildings, 1 Victoria Street, Douglas, Isle of Man IM99 1BF  (Registered in the Isle of Man with company number 521) ("Tower").

For the purposes of these Terms and Conditions, "this website", “this site” and the "Tower websites" means all websites owned and/or operated by Tower.

This website may contain links to the RSA Insurance Group Limited websites ("RSA") that are owned and/or operated by RSA. 

Other RSA websites may contain Terms and Conditions which are different from these Terms and Conditions. When navigating the RSA websites please check the Terms and Conditions of each website you visit and do not assume that these Terms and Conditions apply to all RSA websites.



Tower is providing this site on an "as is" basis and makes no representations or warranties of any kind with respect to this site or its contents and disclaims all such representations and warranties. In addition, Tower makes no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this site. The information contained in this site may contain technical inaccuracies or typographical errors. All liability of Tower howsoever arising (whether in contract, tort or negligence) for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

This website is operated and maintained in the Isle of Man and is therefore published from an Isle of Man perspective. Tower is not publishing the website for use in any jurisdiction where such publication or use is unlawful.


Access to the site

We will use reasonable efforts to make our site and its content available to users, however we do not warrant or represent that access to this site will be uninterrupted, reliable or fault free.

We reserve the right in our sole discretion to deny users access to our site or any part of it without notice and to decline to provide the service to any user that is in breach of these Terms and Conditions.


No damage arising from use

To the fullest extent permitted by law neither Tower nor any of its directors, employees or agents will be liable for damages arising out of or in connection the use of this site, the information in it or the unavailability of the site or its content. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and third party claims, save that nothing shall exclude or restrict liability for death or personal injury resulting from the negligence of Tower, its directors, employees or agents.



Tower reserves the right at any time without notice to revise the contents of this site including these Terms and Conditions. Any changes to these Terms and Conditions will be posted on this site and by continuing to use this site following any such change you will signify that you agree to be bound by the revised Terms and Conditions.


Links to other sites

Certain links, including hypertext links, in this site may lead you to websites or pages that are not under the control of Tower. Links are provided for convenience and inclusion of any link does not imply endorsements in any way of the site to which it links. Tower accepts no responsibility or liability of any nature whatsoever for these other sites or any information contained in them.

Other links in this site will lead you to websites or pages that are under the control of RSA group companies around the world. You should be aware that such websites are maintained and operated locally and the contents and use of such websites may be governed by the laws and regulation of countries other than the Isle of Man or the UK and by our regional group companies' conditions of use and/or privacy policy. If you wish to know more about the conditions of use or privacy policies of these websites please contact the relevant overseas group company.



All rights in the design, text, graphics and other materials on the site and the selection or arrangement thereof are the copyright of Tower or are included with permission of the relevant owner. Permission is granted to browse this site, copy electronically and print in hard copy portions of this site solely for your own personal use. Any other use of materials on this site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without the prior written permission of Tower is strictly prohibited.


Trade Marks

The Royal & SunAlliance, RSA, rsagroup,, royalsun and trade marks, logos and get-up are owned by RSA or by other companies such as Tower within the RSA Group. All other trade marks, product names and company names or logos cited herein are the property of or used under licence by RSA or Tower. No permission is given by RSA or Tower in respect of the use of any such trade marks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.


Privacy Policy

You agree to the use of any personal data we may hold on you in accordance with the terms of our Privacy Policy.


Force Majeure

We shall not be liable to users for any breach of these conditions of use or any failure to provide or delay in providing our services through our site resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock outs and other industrial disputes, breakdown of systems or network access, fire explosion or accident.


Applicable Law

These Terms and Conditions shall be governed and construed in accordance with Isle of Man Law and any disputes shall fall within the exclusive jurisdiction of the Manx Courts. If any provision of these Terms and Conditions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.