Terms of Service

Millstream Underwriting offers a range of insurance products and related services for sale on this website. You are responsible for deciding whether or not to purchase any of these products or services. This website will often offer helpful advice on general insurance matters but it does not seek to advise you on which particular products and services are suitable for your needs or specific requirements.

If you wish to make a complaint please email mail@mstream.co.uk or write to The Customer Services Manager, Millstream Underwriting Limited, 145 Leadenhall Street, London EC3V 4QT.  You can refer your complaint to the Financial Ombudsman Service (FOS) in the event that we are unable to resolve our differences.  You can also raise a dispute about any of our online services via the Online Dispute Resolution platform at www.ec.europa.eu/odr

Millstream Underwriting Limited and the other third parties providing services and products retain the right to modify these terms and conditions when necessary so you should review them each time you use this website.

The information contained on this website belongs to Millstream Underwriting Limited and various third parties. Millstream Underwriting Limited will use its best endeavours to ensure that its own information and the information provided by third parties is accurate at all times but shall not be held responsible or liable to pay compensation to any person or organisation for any loss arising, either directly or indirectly, out of the use, misuse, misinterpretation of that information by anyone using this website or for any inaccuracies contained therein.

This website or any of the text, images, code, logos or trademarks must not be used for any reason other than the express purposes of purchasing, obtaining a quotation for or obtaining information about the insurance products and services offered for sale in this site or for obtaining information regarding Millstream Underwriting Limited or any of the other organisations who have entered into agreements with Millstream Underwriting Limited with the purpose of providing insurance products and services for sale.

You must not attempt to imply ownership of or association with the material contained in this website without prior written agreement of Millstream Underwriting Limited. You may not provide links to this website from external sources or include this website in part or in whole within an external web site without first obtaining written permission from us.

All insurance products and services offered in this website are subject to individual terms and conditions that are readily available for inspection before a purchase is made. You should refer to the terms and conditions relating to a product or service before undertaking a purchase.