This information is for Lloyd's Policyholders.

Legal Disclaimer

Risk Assurance Management Limited (RAM) provides information on this website on the basis that the following terms and conditions are accepted and agreed:


Although the information on this website is available to everyone, RAM retains copyright on all text and graphic images.

Users are therefore not allowed to:

  • Distribute the text or graphics to others for any reason whatsoever, without the express written permission of RAM
  • Modify or reuse the text or graphics on this website
  • Duplicate this information on their own website without the express written permission of RAM.

However, print copies of the information for personal use or storage on a personal computer is permissible. All other rights are reserved to RAM.

Information Changes

RAM reserves the right at any time, and without notice, to amend or withdraw (temporarily or permanently) any information on this site and RAM shall not be liable to any party for such amendment or withdrawal of information.

Regulatory Statements

No product advice is currently being offered on this site.

Direct Offers

RAM does not administer or market products on behalf of regulated insurers directly to the general public. Therefore, any product information provided on this website is not, and shall not be treated as, an offer of that product for direct purchase by anyone from this site.

Disclaimers and Limitation of Liability

Although information and data provided by RAM is believed to be accurate and reliable when placed on this site, RAM does not guarantee the accuracy or reliability of it at any time.

RAM does not warrant that this site is free from viruses, errors or any other defects either malicious or otherwise.

RAM provides links to other websites, and/or alternatively other websites provide a link to the RAM website. In such cases, as RAM has no control over such sites and /or their contents, RAM does not endorse, and shall not be responsible or liable for, the content or any products, information, advertising or other materials available from such other websites and does not guarantee the accuracy or reliability at any time of the information found on any such linked site.

RAM shall not be responsible or liable, either directly or indirectly, for any damage or loss caused, or alleged to be caused, by or in connection with the use of, or reliance on, any information available through this site. RAM shall not be liable to the fullest extent possible under English law, for any direct or indirect losses, damages, claims, costs, expenses, penalties or interest which may result or arise from:

  • Errors or omissions within the website
  • The use of or inability to use or visit this site
  • The unauthorised access to and or alteration of this site
  • Any reliance on the information found on this site
  • Any other matter relating to this site and / or its contents


English law governs this site and its contents and any dispute in relation to its contents will be subject to the exclusive jurisdiction of the English courts.