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Terms and Conditions

Terms and Conditions

The information presented on this website is for general information purposes only and is not intended to constitute a formal offer or solicitation. A formal process is in place to review and manage the marketing and introduction of new clients to the business.

This webpage does not represent a prospectus or invitation in connection with any solicitation of capital or participation on any Lloyd's syndicates nor does it constitute an offer to sell securities or insurance, a solicitation of an offer to buy securities or insurance, or a distribution of securities in the United States or to a US person, or any other jurisdictions where it is contrary to local law. Such persons should inform themselves about and observe any applicable legal requirement. Underwriting at Lloyd’s involves a significant degree of risk and those participating in the market will be exposed to the risk of underwriting losses. In addition, they will remain liable for losses until the liabilities of all syndicates participated upon have been reinsured to close, subject to there being no reinsurance failure.

The opinions (including without limitation any estimates, forecasts, financial projections or valuations) expressed on this website are entirely those of Hampden Holdings Limited and its subsidiaries and are in each case subject to change without notice. While all reasonable care has been taken to ensure that the information, facts and opinions given are fair and accurate at the time of publication, we have not independently verified the information presented on this website, some of which is provided by Third Parties such as Lloyd’s syndicates. Accordingly, no guarantee, representation or warranty, express or implied, is made as to the fairness, accuracy, completeness or correctness of the information and opinions presented on this website. Neither Hampden Holdings Limited, nor its subsidiary companies, accept any responsibility, and shall not be liable for any loss which may arise from reliance upon the information provided on this website. No responsibility of liability is accepted by Hampden Holdings Limited, or its subsidiaries, for any loss occasioned to any person acting or refraining from action as a result of any statement, fact, figure or expression of belief contained on this website.

All illustrative results are shown after standard personal expenses, but before Members' agent's fees and profit commission. Past performance should not be seen as an indication of future performance. Past performance information contained on this website may not be current and you should refer to the relevant documentation for up-to-date past performance information. Lloyd's syndicates cannot provide insurance coverage in every country in the world. In certain countries, there are restrictions on the type of insurance products Lloyd's can provide and how business is placed with Lloyd's underwriters ("Underwriters"). The information on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

The communication of information on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. In particular, the contents and / or subject matter do not constitute an offer of information, products or services to US persons or in the United States, or in any other jurisdictions where such an offer may be unlawful.

Hampden Agencies Limited (registered number 2970319) is authorised by the Financial Conduct Authority (FCA) and regulated by the Corporation of Lloyd’s and FCA. The details of the authorisation and regulatory oversight can be found here.

Calls, including video calls, may be recorded for monitoring and quality control purposes.

Important Information for recipients of Hampden Marketing and Information Materials

Marketing and Information documents issued by Hampden Agencies Limited ("Hampden") are for the confidential use of those persons to whom it is delivered, by Hampden and is not to be reproduced, distributed or used for any other purpose. By accepting delivery, each recipient agrees to treat the content as strictly confidential and not to reproduce, distribute or otherwise use document, or any of its contents, without the prior written consent of Hampden.

Underwriting at Lloyd’s involves a significant degree of risk and those investing in the market will be exposed to the risk of underwriting losses. Ultimately, underwriting Members will remain liable for losses until the liabilities of all syndicates in which there is a participation have been reinsured to close (i.e. assuming that there is no failure of such reinsurance). Underwriting may not be suitable for all, and independent advice should be sought.

Our Marketing and Information documents are for information purposes only and the information contained therein does not purport to be full or complete. No reliance may be placed on the information contained in any presentation or document or their accuracy or completeness. Hampden has taken reasonable care to ensure that the information contained in our marketing suite is true and accurate in all material respects as at the date of publication, and it is subject to change without notice. No representation is made, assurance is given, or reliance may be placed, in any respect, that such information is correct and no responsibility is accepted by Hampden, or any of their respective officers, agents or advisers, as to the accuracy, sufficiency or completeness of any of the information or opinions, or for any errors, omissions or misstatements, negligent or otherwise, contained in or excluded from any Hampden document or for any direct, indirect or consequential loss or damage suffered or incurred by any person in connection with the information contained therein (except to the extent that such liability arises out of fraud or fraudulent misrepresentation).

No advice has been sought on any legal or taxation matters relating to the information set out in our marketing and information documents and recipients should seek their own legal, tax and financial advice in connection with the information contained therein. Nothing contained therein constitutes either an offer to sell, nor is it a solicitation of an offer to buy any financial products or to enter into any agreement or arrangement in relation to matters discussed in the presentation. Our Marketing and Information materials are not for release, publication or distribution, directly or indirectly, in whole or in part, in any jurisdiction where such release, publication or distribution would be unlawful or would impose any unfulfilled registration, qualification, publication or approval requirements on Hampden. In particular, they should not be distributed or made available to persons with addresses in or who are resident in the United States. Persons into whose possession our document comes must inform themselves about, and observe, any such restrictions as any failure to comply with such restrictions may constitute a violation of the securities law of any such jurisdiction.

This disclaimer is produced by Hampden Agencies Limited, a Hampden Group company which is authorised by the Financial Conduct Authority (under FRN 204946) and regulated by the Corporation of Lloyd’s and the Financial Conduct Authority. HAL is a registered Lloyd’s Members’ Agent and Adviser, of 40 Gracechurch Street, London EC3V 0BT. Registered No: 2970319

© Hampden Agencies Limited (May 2023)