Accepting our Terms and Conditions

These Terms and Conditions govern the use of this website.

This website is intended for UK residents unless otherwise stated.

The term “you”, “your” or “visitor” refers to the user or viewer of this website.

The term ‘Forces Mutual’ refers to PMGI Limited and other Forces Mutual companies referred to in this website.

Please read these Terms and Conditions carefully. By using this website, you acknowledge that you have read these Terms and Conditions and our Privacy Policy, and that you agree to be bound by them. If you do not wish to be bound by these Terms and Conditions you should not use this website.


General Provisions

You agree to use this website only for lawful purposes and in a manner which does not infringe the rights, or restrict, or inhibit the use and enjoyment of the site by any third party.

You agree not to:-

- store the content of this website on a server (or any other storage device connected to a network), reproduce, republish, copy, distribute, disseminate, sell, rent or sub-license material from this website or modify the content of this website;

- use this website for, or in connection with any commercial, unlawful, illegal, fraudulent, harmful or immoral purpose or activity;

- use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of this website;

- use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to ) any spyware, computer virus, Trojan horse or other malicious software;

- create a link to this website from another website or document without Forces Mutual’s prior written consent.

Nothing contained on this website constitutes tax, accounting, regulatory, legal, insurance, investment or personal advice. Decisions based on information contained on this website are the sole responsibility of the visitor.


Changes

Forces Mutual reserve the right to change these Terms and Conditions at any time by amending this page. Your continued use of this website after changes are posted constitutes your acceptance of those changes.

All the products, services, policies and material described on this website are subject to availability and may be withdrawn or amended without notice.


Third Parties

Forces Mutual is not responsible for the accuracy, content or timeliness of information contained in Third Party Content.

Links from this website to Third Party Content do not constitute an endorsement by Forces Mutual of the parties or their products and services.


Liability

Nothing in these Terms and Conditions will: (a) limit or exclude liability for death or personal injury resulting from negligence; (b) limit or exclude liability for fraud or fraudulent misrepresentation.

This website and the information, names, images, pictures, logos regarding or relating to us are provided “as is” without any representation or endorsement made and without warranty or guarantee of any kind whether express or implied. You acknowledge that we expressly exclude liability for any damages including, without limitation, indirect or consequential damages, or any damages whatsoever arising from the use or in connection with such use or loss of  use of the site, whether in contract or negligence to the fullest extent permitted by law.

Forces Mutual will not be liable to you for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website (including any Third Party Resource), unavailability of the website or any Third Party Resource or changes made to the content of this website by unauthorised third parties or the providers of Third Party Content.


Intellectual Property

‘Forces Mutual’ is a registered trademark of Police Mutual Assurance Society Limited. © Police Mutual Assurance Society Limited.

All copyright, graphics, photographic images, trade names, domain names, logos and other intellectual property rights in all materials and information displayed on this website are proprietary to Forces Mutual and/or their respective owners.

Nothing on this website should be construed as granting any licence or right to use any copyright, graphics, photographic images, trademarks, trade names, domain names and/or logos displayed on this website without the written permission of Forces Mutual or such other third party that may own such trademark, trade name and/or logo. Your use of trademarks displayed on this website, except provided herein, is strictly prohibited.


User Content

Any communication or material that you submit to, or post on, any public area of this website including any data, questions, comments, suggestions, or the like, is and will be treated as, non-confidential and non-proprietary information. You agree that such communication or material submitted by you on this website will comply with these Terms and Conditions.

We reserve the right to edit or remove any communication or material submitted to our website, or stored on our servers, or hosted or published upon our website.


Competitions and Promotions

Forces Mutual may from time to time run special promotions on this website. These will be subject to their own terms and conditions which will be made available at the time.


Law and Jurisdiction

These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the Courts of England and Wales.


Company & Product Details

Regulatory details about our company can be confirmed by visiting the Financial Conduct Authority website or by contacting the Financial Conduct Authority on 0800 111 6768 or 0300 500 8082, using the relevant company Financial Services Register No.

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. The level of compensation depends on the type of business and the circumstances of the claim. Further information is available from the Financial Services Compensation Scheme or the Financial Conduct Authority.


Insurance

Insurance is arranged and administered by PMGI Limited, trading as Forces Mutual. PMGI Limited is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 114942.

Car Insurance: provided by Royal & Sun Alliance Plc (company registration no. 93792). Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202323.

Motor Legal Protection: provided by ARAG plc authorised to administer this insurance on behalf of the insurer Brit Syndicate 2987 at Lloyds (written under unique market reference BO356KA233D12AOOO or replacement thereof). Financial Services Register No. 452369. Brit Syndicates Limited, the managing agent for Brit Syndicate 2987 at Lloyd’s , is authorised by the Prudential Regulation Authority and Regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 204930.

Breakdown Cover: provided by ERS Syndicate 218 at Lloyds managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ERS Syndicate Management Limited is registered in England and Wales with its registered address at 52-54 Leadenhall Street, London, EC3A 2BJ. Financial Services Register No. 204851.

Kit & Personal Possessions Insurance: provided by Ageas Insurance Limited authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202039. Registered in England & Wales No 354568 at Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.

Family Legal Protection: is underwritten by AM Trust Europe Limited, through Arc Legal Assistance Ltd. Arc Legal Assistance Ltd are authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 305958. AM Trust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202189. Registered address for AM Trust Europe Limited: Market Square House, St. James Street, Nottingham. NG1 6FG.

Personal Accident Insurance: provided by Ageas Insurance Limited authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202039. Registered in England & Wales No 354568 at Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.

Death by Natural Causes and Funeral Expenses Cover: is underwritten by The Ancient Order of Foresters Friendly Society Limited. The Ancient Order of Foresters Friendly Society Limited is an incorporated Friendly Society (registration no. 511F) and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Foresters Friendly Society, Foresters House, 29/33 Shirley Road, Southampton SO15 3EW. Financial Services Register No. 110029.

Travel Insurance: provided by Ageas Insurance Limited authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202039. Registered in England & Wales No 354568 at Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA.

Travel Legal Guard: DAS Legal Expenses Insurance Company Limited (DAS) is the underwriter and provides the legal protection insurance. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS. DAS Legal Expenses Insurance Company Limited: DAS House , Quay Side, Temple Back, Bristol, BS1 6NH. Registered in England and Wales: 103274. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 202106.

DAS Law Limited: North Quay, Temple Back, Bristol, BS1 6FL. Registered in England and Wales: 5417859. Authorised and regulated by the Solicitors Regulation Authority (registered number 423113).


My Sovereign Investment (ISA): My Sovereign Investment (ISA) and Children’s Bond is provided by Scottish Friendly Assurance Society Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered address: Scottish Friendly House, 16 Blythswood Square, Glasgow, Lanarkshire, G2 4HJ. Financial Services Register No. 110002.


Life & Serious Illness: We offer cover provided by Vitality Life, who cater for the needs of serving Armed Forces personnel. Vitality Corporate Services Limited trading as VitalityHealth and VitalityLife is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 05933141. Registered address: 4 Richmond Gardens, Bournemouth. BH1 1JD. Financial Services Register No. 461107.


Mortgages: Advice and recommendation service is provided by Mortgage Excellence Plc, trading as Forces Mutual, authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 301192.


Healthcare & Healthcare Cash Plan: PMHC Limited, trading as Forces Mutual, is registered in England and Wales No. 03018474. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Healthcare and the Healthcare Cash Plan are discretionary schemes and not an insurance product. These products are not regulated by the Financial Conduct Authority and therefore are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme.


Military Foundation: PMGI Limited, trading as Forces Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. Financial Services Register No. 114942.


Products/services introduced to third parties

Motorbike Insurance: via an introduction to an insurance intermediary, Victory Financial Solutions Limited, who can arrange motorbike insurance. Victory Financial Solutions Limited (Victory) is registered in England and Wales No. 05665073. Registered office: Globe House 25, Turret Lane, Ipswich, IP4 1DL. Authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 446770.

Service Funds Insurance: via an introduction to an insurance intermediary, Victory Financial Solutions Limited, who can arrange service funds insurance. Victory Financial Solutions Limited (Victory) is registered in England and Wales No. 05665073. Registered office: Globe House 25, Turret Lane, Ipswich, IP4 1DL. Authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 446770.

Home and Content Insurance: via an introduction to an insurance intermediary, Harrison Beaumont Insurance Services Limited, who can arrange home and contents insurance cover. Harrison Beaumont Insurance Services Limited are authorised and regulated by the Financial Conduct Authority. Registered office: Globe House, 24 Turret Lane, Ipswich, Suffolk, IP4 1DL. Registered in England and Wales No. 4582221. Financial Services Register No. 303968.


This page was last updated on 22nd October 2018.