The important stuff

Our Terms and Conditions


Please read the following terms and conditions carefully and ensure that you understand them. By using this site, you agree to be bound by these terms and conditions. If you do not agree, you should stop using the site immediately. If you are in breach of these terms and conditions, your right to access and use the site will cease immediately.

We may amend these terms and conditions at any time without prior notice. You should therefore regularly check this webpage to review the current terms and conditions, as your continued use of the site constitutes acceptance of the amended terms and conditions.

You may only access and use this site if you are a resident of the UK. If you are not a UK resident, you should stop using this site immediately.

You may only access the site for your personal use. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.


The following definitions apply in these terms and conditions.

“you” and “your” means the person using or who wishes to use the site

“we”, “us” and “our” means Sherpa Management Services UK Limited, its officers, employees, agents and successors.

“site” means and any mobile applications or similar devices, channels or applications operated by or on behalf of us


We will take all reasonable steps to ensure that the site is available for access at all times. However, from time to time that may not be possible, either because of reasons outside our control, or for routine or emergency updates. We will endeavour to give you notice of that wherever possible.

We cannot be held liable if the site cannot be accessed, or does not function as intended, for any reason. We cannot warrant that the site will be free of defects or viruses, and you should use appropriate virus checking software. We will not be responsible for any problems or loss you may suffer as a result of your use of our site.


We will take all reasonable steps to ensure that any information contained in the site is accurate and up-to-date. However, we cannot be held liable for any loss or damage that may result from any error or omission in the information on the site, or in its use. If you have doubts as to the validity of any information on the site, please contact us.


It is important that the information you provide is true, accurate and complete in all respects, so please double-check before submitting it. The answers you give to questions we ask you, and any other information you provide, impact our ability to provide you with tailored information and guidance. The answers and information may also be passed to our partners (please see our Privacy Policy) and used to obtain a quote for insurance and to determine the level of cover you receive and the price that you pay, although the third party will provide you with information in that regard.


We will endeavour to ensure the accuracy, timeliness and completeness of all information on the site, but you should not act or refrain from acting on the basis of any guidance, a Sherpa Protection Score or other information contained in the site without seeking appropriate legal or other professional advice on the particular facts and circumstances at issue.

Where we provide you with a Sherpa Protection Score and other information via the site, you may request that we provide you with a hard copy of that information, and we will provide it to you free of charge.


You may choose to grant us permission to access your data from social media or other websites or applications, although you are under no obligation to do so. If you do grant us permission, we are authorised to access, use and store that data. That data will be subject to the same controls and procedures as all other answers and information you provide to us. Please see our Privacy Policy.


For convenience, the site may contain hypertext links to websites operated by third parties. We do not control those websites and cannot accept responsibility for their content or any loss or damage you may suffer by accessing them. Those other websites will be subject to separate terms and conditions, normally contained on those websites.

We may also facilitate communications between you and third parties, including LifeSearch, with respect to any potential coverage gaps you may have. If we do so, any advice, products or services provided to you by that third party is wholly a matter between you and the third party.


In the absence of our gross negligence or wilful misconduct, neither we nor our employees will be responsible for any loss or damage, however arising, in respect of the content of the site and/or anything done or omitted to be done wholly or partly in reliance on the content of the site. We and our employees will not be liable for any delay in performing, or failing to perform, our obligations.

In the absence of our gross negligence or wilful misconduct, neither we nor our employees will be responsible for any loss or damage, however arising, in respect of any third party guidance, advice, product or service, or in respect of any event, or series of events, outside our reasonable control including natural disasters, terrorist actions, impossibility of the use of public or private transport, or the acts, decrees, legislation, regulations or restrictions of any government.


All information, data, graphics and material contained on the site, including any trademarks, belong to us or our partners. You may not use or download them, other than for the purpose for which they are provided, without our written permission. Nothing shall be deemed to confer on any person any licence or right to reproduce or use any such content.


You may choose to cease using the site at any time. In that case, both you and we will remain subject to any obligations that have accrued under these terms and conditions. Our disclaimers and releases will survive any such termination or cessation.


We are committed to giving you the best service that we can. If we fall short of that, please let us know and we will do whatever we can to put things right.

If you have a complaint about our service or products, you can contact us by telephone on (+44) 020 355 20818 or by email to Please let us know your details, how we can contact you, and explain why you are unhappy.

We will contact you within 5 working days to let you know that we have received your complaint, and ask for any additional details that we may need. We will also let you know who will be handling your complaint and their contact details.

We will undertake an investigation of your complaint and will normally seek to resolve all complaints within 4 weeks. We will contact you within that time to notify you of the outcome of our investigation and any remedial action we may take, or to let you know that we need more time to complete our investigation, whichever is the case.

If you are unhappy with our response to your complaint, or feel that we haven’t listened to you, you can contact the UK Financial Ombudsman Service and ask them to conduct an independent review of your complaint. You may also contact them if we haven’t resolved your complaint within 8 weeks.

The Financial Ombudsman Service is an independent and impartial body and contacting them will not affect your right to take legal action.

Their contact details are:
Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
E14 9SR

Tel: 0800 023 4567
Tel: 0300 123 9123
Fax: 0207 964 1001




These terms and conditions shall be governed by the laws of England and the Courts of England shall have exclusive jurisdiction over all claims or disputes arising out of, or in connection with, the site and these terms and conditions.