About these terms
These terms explain how you may use HomeRisks.co.uk. By using the website, you agree to these terms. If you do not agree with them, please do not use the site.
HomeRisks.co.uk is maintained by Prudent Plus Limited, a company registered in England and Wales under company number 10104295. Its registered business address for this website is Booths Hall, Booths Park, Knutsford, Cheshire WA16 8GS.
What HomeRisks.co.uk provides
The website publishes general information about risks that can affect homes, ways householders may reduce those risks, and questions people may wish to consider when arranging home insurance.
The articles are written for a general UK audience. They are not a survey of your property and they do not take account of your individual circumstances.
Not professional advice
Nothing on HomeRisks.co.uk should be treated as personal financial advice, insurance advice, legal advice, engineering advice, surveying advice, electrical advice, plumbing advice or any other form of professional advice.
A problem that looks simple may have more than one cause. If a matter involves structural movement, gas, fixed electrical work, unsafe trees, roofs, drainage, fire safety or another specialist area, use an appropriately competent person where necessary.
Home insurance information
Insurance policies differ between insurers. Cover, exclusions, excesses, limits, definitions and conditions can also change over time.
Any explanation on this website is therefore only a general guide. The insurer's current policy wording, schedule and other documents determine the cover that applies to an individual policy.
You should read the policy documents before buying insurance and answer an insurer's questions accurately. If you are unsure what a question means or whether something needs to be disclosed, ask the insurer or comparison provider before proceeding.
Insurance comparison links
Some pages contain links to a home-insurance comparison service provided by Seopa Ltd, trading as Quotezone.
Prudent Plus Limited is an introducer appointed representative of Seopa Ltd. Seopa Ltd is authorised and regulated by the Financial Conduct Authority under reference number 313860.
Prudent Plus Limited does not compare insurers itself and does not recommend a particular policy to you. If you follow a comparison link, the comparison service is provided by the third party named above and is subject to its own terms, privacy information and eligibility rules.
Commission
Prudent Plus Limited may receive commission if you buy insurance after following a comparison link from HomeRisks.co.uk.
Prudent Plus Limited does not add a separate introduction fee to the price you pay for insurance through those links.
Accuracy and updates
We aim to keep the website useful and accurate, but property risks, insurance products, regulations, guidance and third-party services can change.
We do not promise that every page will always be complete, current or free from errors. If you spot something that appears to be wrong, you are welcome to tell us.
Using information from the website
You may use HomeRisks.co.uk for your own personal, non-commercial information.
Do not rely on an article as the sole basis for carrying out work that could affect the safety, structure or value of a property. Where a decision could have significant financial or safety consequences, obtain suitable professional advice.
External websites
HomeRisks.co.uk may link to insurers, comparison services, regulators, public bodies, professional organisations and other third-party websites.
Those websites are outside our control. A link does not mean that we accept responsibility for the content, availability, security or services offered on another website.
Website availability
We may change, suspend or remove pages, features or parts of the website without notice.
We do not guarantee that HomeRisks.co.uk will always be available or that access will be uninterrupted. Maintenance, technical faults and matters outside our control can affect availability.
Viruses and misuse
You must not knowingly introduce viruses, malicious code or other material intended to damage or disrupt this website or another user's equipment.
You must not attempt to gain unauthorised access to the website, its server or any connected system.
Copyright
Unless stated otherwise, the text, layout, branding and original material on HomeRisks.co.uk belong to Prudent Plus Limited or are used with permission.
You may print or save a reasonable amount of material for your own personal use. You must not reproduce substantial parts of the website for commercial publication, create a competing copy of the site, or remove ownership notices without permission.
Liability
We do not exclude or limit liability where the law does not allow us to do so.
Subject to that, HomeRisks.co.uk is provided for general information. Prudent Plus Limited is not responsible for loss caused by relying on the website instead of obtaining appropriate professional advice, or for loss arising from third-party websites or services outside its control.
Nothing on the site guarantees that a particular insurer will offer cover, accept a claim or provide insurance on particular terms.
Your privacy
Use of the website is also subject to our Privacy Policy. Please read that page for information about privacy and data protection.
Prudent Plus Limited is registered with the Information Commissioner's Office under reference ZB208127.
Changes to these terms
We may update these terms when the website, our services or relevant legal and regulatory requirements change.
The version published on this page is the version that applies when you use the website.
Law and jurisdiction
These terms are governed by the laws of England and Wales. The courts of England and Wales will have jurisdiction, subject to any rights you may have as a consumer to bring proceedings elsewhere in the United Kingdom.
Contact us
If you have a practical comment, correction or question about HomeRisks.co.uk, you can contact us by email:
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