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    Terms and Conditions


    General terms and conditions

    This website is provided by GrovesJohnWestrup. These are the general terms and conditions that govern your use of the Website.

    Please read these terms and conditions carefully.

    If you continue to use the Website you are agreeing to comply with and be bound by the following terms and conditions of use which may be enforced against you by GrovesJohnWestrup. The term ‘you’ refers to the user or viewer of the website.

    These terms and conditions may change or be updated from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the website. The latest version of these terms and conditions will govern any future usage by you of the website.

    Statutory information

    ‘GrovesJohnWestrup Private Clients’ is an approved trading name of Munich Re Specialty Insurance (UK) Limited.

    Munich Re Specialty Insurance (UK) Limited is registered in England: 01262636, Union Suite 1a, 2-10 Albert Square, Manchester, M2 6LW. Authorised and regulated by the Financial Conduct Authority (FRN: 310539). 


    GrovesJohnWestrup® and the GrovesJohnWestrup logo are registered trademarks of Munich Re Specialty Insurance (UK) Limited. Trademarks are registered in in England, Scotland, Wales, Northern Ireland and Isle of Man and EU.


    The content of this web site is intended for use by UK-domiciled FCA-approved intermediaries, other Munich Re Specialty Insurance (UK) Limited-approved intermediaries and Munich Re Specialty Insurance (UK) Limited policyholders or prospective policyholders.

    Your responsibilities

    You are wholly responsible for the use of the website by any person using your terminal or point of access and are responsible for ensuring that any such person also fully complies with these terms and conditions.

    Use of the website

    You agree to use the website in a manner consistent with any and all applicable laws and regulations in the country in which you access the website. The website is not intended for viewers in any other jurisdiction or country where local laws and/or restrictions prohibit any of the activities transacted by the website.

    Your personal information

    Usage of your personal information is governed by our Privacy Policy.

    Applicable law

    You agree that GrovesJohnWestrup may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.

    Licensing information

    This Website contains general information on GrovesJohnWestrup and its products and services and the website and its contents are not intended to constitute advice in any country in the world. Certain products and services described on the website are not available to all users due to insurance regulatory restrictions.


    Any problems or questions relating to the website should be sent to

    Other websites

    The website contains links to other third party websites and you may have linked to the website from another website. We are not responsible for the privacy policies or the content of such websites. You should check the terms and policies applicable to each such website. Other websites operated by or on behalf of other members of the Munich Re Group of Companies may also contain a privacy policy that is different from this privacy policy. This privacy policy relates to the website only.

    Your acceptance of these terms

    By using the website you shall consent to these Terms and Conditions, the website Privacy Policy and the website Cookie Policy. 



    The information, including any financial information, on this website provided for information purposes only and none of the information on this website constitutes an offer to contract. We reserve the right to add, modify or delete information on this site at any time. We reserve the right to modify these terms at any time and without prior notice so you should rely on the most up to date version of these terms.


    We will endeavour to ensure that this site is accessible for 24 hours a day. However, we will not be liable if, for any reason, the site is unavailable at any time or for any period. Access to this site may be suspended temporarily or permanently by us, without notice for routine or emergency updates and maintenance. We will not be liable for loss of use, profits or data or any indirect, special or consequential damages or losses in contract, negligence or tort including any losses relating to your use of, reliance upon or inability to use the website for any reason.

    Accuracy and validity of information

    Material and documents contained on this site are provided for information purposes only. Though we use reasonable endeavours to ensure that the website remains accurate and up to date, it is supplied on an 'as is' basis and accordingly we do not accept any liability for any errors and omissions. The website may also contain hypertext links to websites operated by third parties. These links are provided for information and convenience and any link does not imply an endorsement by us in any way of the third party site. We accept no responsibility for the operation and content of third party websites. No one may link into this site without our prior written consent. We cannot warrant that this site is free of viruses or technical defects of any description and we will not be responsible for any technical problems arising from the use of this website.


    The copyright and any other rights in the material available on this site are owned by us unless otherwise indicated, and may not be used, sold, copied or reproduced in whole or part in any manner or form or in any media by any person other than for non commercial personal use without our prior consent.

    Non UK visitors

    If you are visiting the website from outside the UK your visit will necessarily result in the transfer of information across international borders. By visiting this site and communicating electronically with us you are consenting to these transfers.