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Terms & Conditions

Please download our Terms of Business for either the United Kingdom or Ireland as applicable.

Please download our Initial Disclosure Document, if required.


Our Website Terms and Conditions of Use 
These are the terms of use for the Pulse Insurance Limited website (this “Website”). 

Using our Website and accepting our Terms and Conditions
“We” “Us” “Our” or Pulse means Pulse Insurance Limited.

You agree to observe these Terms and Conditions as well as any other specific terms and conditions for content or functionality that may be provided on the Website.


Please read carefully - your use of this Website constitutes acceptance of these Terms and Conditions.

Personal use only
We work direct with the public and also with Financial Advisers and Insurance Intermediaries.  Our Website is designed to be suitable for both but some information on the “intermediaries” section will assume a certain level of financial knowledge.  If you have any queries about information on the Website you should contact us.

Remember our Website is for information and to assist in business placing business with us only and must not be used in any way for other commercial purposes.  If we consider that you are using this Website for inappropriate commercial purposes, we may suspend or withdraw your access immediately and, if appropriate, pursue legal action against you.

Website Information Does Not Constitute Financial Advice

The Website includes financial information, articles and tools to help keep you informed about general financial, market and general public conditions.

We endeavour to make sure our Website is correct but you should not rely on any of the information on our Website for advice or as a recommendation that a product or investment is suitable for you or your circumstances. If you need financial advice, you should contact a financial advisor.  Any comments about the suitability of a product for a particular type of insured is intended as general information based on past transactions by us and should not be taken as advice.

Some of the information and articles presented on Our Website are provided by third parties and do not represent the views or opinions of Pulse. Pulse is not responsible for the validity or accuracy of such publications and all publications are provided for information purposes only.

Third party links and information
Our Website may contain hyperlinks to websites and resources owned and operated by third parties including the National Health Service and Lloyd’s of London. We have no control over the contents of those websites or resources and make no representations about and do not accept any liability in relation to them. You should read the terms and conditions of those websites and you are responsible for determining the safety, content or validity of any third-party website.

You must not do anything to corrupt, damage or interfere with our Website and you may not link any other websites to our Website without our permission.  Please contact us if you would like to link to us.

Privacy Policy and Cookie Policy
We take your personal privacy seriously. By using our Website, you agree to the terms of our Privacy Policy and Cookie Policy.

Information you provide
In order to provide you with products and financial services that are relevant to your requests, we must have accurate information from you. So, in providing information to Us, you confirm that all data you have given is accurate and if you wish to correct or update the information you give Us, you can do so by contacting us at enquiries@pulse-insurance.co.uk

Intentionally providing false or misleading information or using another person’s e-mail or personal information for the purposes of falsely obtaining any of our products or services, may lead to termination or forfeiture of the product or services and may result in legal action. We may terminate any services or products provided to you or others based upon your intentionally providing materially false information or acting under a false identity that you have supplied to Us.

We may revise these Terms and Conditions, without notice, at any time by amending this page. We urge you to check this page from time to time for any changes to these Terms and Conditions. We may also change or withdraw access, use or terms of registration for this website at any time, without notice.

Intellectual Property
We expressly reserve all rights in all Intellectual Property of the Website, including but not limited to:

All Pulse trade names and logos are registered trademarks of Pulse Insurance Limited.

Pulse owns or is licensed to use all copyrights and other intellectual property in this Website.

Use of our Website
You may not access or use the Website or otherwise exploit, extract, screen scrape, publish, distribute, or reproduce any part of the Website and may not use bots or other electronic automatons to interact with the Website.

We may take legal action if we discover any unauthorised use or interference with access to this Website, misappropriation, misuse or infringement of our content, website functionality, look and feel of the Website or interference with the identity of our Website or taking any action to impair the good-will of our trade names, trade-marks or other intellectual property.

We have no liability to you or others regarding this Website, including damage caused by:

  • inaccurate, untimely, incomplete or erroneous information 
  • unavailability of the Website at any time or for any period
  • failure to log in, access the Website or stay on-line
  • Inability to purchase products or services or take advantage of pricing or offers or decision by Pulse or any insurer not to sell you a product or service
  • Inability to complete a transaction due to unavailability of a partner, including but not limited to the operation of any partner credit card or payment services
  • events beyond our control or which could not have been reasonably foreseen
  • third party interference such as hacking, computer viruses, bugs, trojans, information posted on the web by unauthorised parties, phishing, and any other cyber-crime.

We do not limit our liability for:

  • death or personal injury as a direct result of our negligence; or
  • for our own fraud or fraudulent misrepresentation.

The laws of England and Wales shall govern the use of the Website and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.

About Us
The Website is owned and operated by Pulse Insurance Limited registered in England and Wales under company number 3492137 with its registered office at 6 Oxford Court, St. James Road, Brackley, Northants. NN13 7XY   

Pulse Insurance Limited is authorised and regulated by the Financial Conduct Authority FRN 308626.  

Need help? Call us on: 01280 841430