Terms & conditions

The Site is operated by Howden.

This page (together with the documents referred to in it) are the general terms and conditions (“Terms and Conditions”) which apply to www.howdengroup.com/in-en (the “Site”). 

Please read these terms and conditions carefully.

By using the Site, you are deemed to have accepted these Terms and Conditions. If you do not agree to these terms of use, please refrain from accessing or using the Site.

For the avoidance of doubt, none of the information on the Site constitutes an offer to contract in any country in which it is accessed, including (without limitation) India.

We may revise the Terms and Conditions at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. If you have any enquiries or complaints (about the Site or someone else’s use of the Site) then address them to: [email protected] or;

6th Floor, Peninsula Chambers,
Peninsula Corporate Park,GanpatraoKadam Marg
Lower Parel, Mumbai – 400013 ,India
Telephone No. : +91 (0) 22 6655 8888 / 00
Fax No. : +91(0) 22 6654 8833


“Howden” “we” and “our” means Howden Insurance Brokers India Pvt. Ltd, registered with IRDA License No: 0263 with registered address: 

6th Floor, Peninsula Chambers,
Peninsula Corporate Park,GanpatraoKadam Marg
Lower Parel, Mumbai – 400013 ,India

“Group” means Howden and its subsidiaries as defined in section 1159 of the UK Companies Act 2006.

“Material” means the contents of the Site, including, but not limited to, text, graphics, logos, links, codes and data.

Accessing the Site

Howden will endeavour to ensure that the Site is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the Site is unavailable for any time or for any period. Howden will have the right to suspend access to or withdraw or restrict access to some parts this website temporarily or permanently and without notice.

Howden will not be liable for any loss or damage arising in contract tort or otherwise if the Site is unavailable or suspended for any reason.

You are responsible for making all arrangements necessary for you to have access to the Site. You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these terms, and that they comply with them.


All content provided on this Website is based upon information which we believe to be reliable and should be understood to be general insurance information only. It is not intended to be taken as advice with respect to any individual situation and cannot be relied upon as such. Users of this site should consult their insurance advisors with respect to individual coverage issues.

What you are allowed to do?

You may only use the Site for personal use and only in accordance with these terms. Additional terms may apply to the use of particular parts of the Site and products and services which are available from it from time to time. You may print a copy of any page of the Site, for your own personal purposes, provided you do not do any of the things set out under "What you are not allowed to do".

What you are not allowed to do?

Except to the extent expressly set out in these terms, you are not allowed to: (i) make any copies of any part of the Site; or (ii) remove or change anything on the Site. You must only use the Site and anything available from the Site for lawful purposes, and you must comply with all applicable laws, statutes and regulations.

Intellectual Property Rights:

Howden is the sole/exclusive owner of all the intellectual property and in particular all the patent rights, the copy-right/rights, trademarks rights, database rights, trade secret rights and patents or and in any software, application, graphics, text and other materials used therein. A member may view, use or download a single copy of the material/content of Howden site solely for members personal, internal and non-commercial use. The member should not use, modify, publish, broadcast, transmit, transfer or sell, rent, lease, reproduce, create derivative works from, distribute, circulate, disseminate, perform, link, display or in any way exploit any product or intellectual property, in whole or in part, except with the prior written consent of Howden.

Information from the Site:

  • The Site contains information of a general nature and should not be treated as comprehensive. You should take appropriate professional advice before relying on the information on the Site. It should not be relied on as legal advice or a definitive statement of the law in any jurisdiction. Please consult your legal counsel for any legal advice. No liability is assumed by reason of the information on the site.
  • You agree that your use of the Site is on an "as is" and "as available" basis and that your use of the Site is at your sole risk. On that basis, except as expressly set out in these terms, Howden does not enter into conditions, warranties or other terms in relation to the Site (including any implied term relating to quality, fitness for a particular purpose).
  • You agree that the obtaining of any material through the Site is carried out at your own risk and subject to clause (a), that Howden has no liability to you in respect of such material or the effects of such material.
  • You agree that the obtaining of any material through the Site is carried out at your own risk and subject to clause (a), that Howden has no liability to you in respect of such material or the effects of such material.
  • Howden may change the format and content of the Site from time to time. You should refresh your browser each time you visit the Site to ensure that you download the most up to date version of the Site.

Limitation of Liability:

  • Howden does not, and nothing in these terms and conditions shall act to exclude or limit Howden liability for death or personal injury resulting from its negligence, fraud or any other liability which may not by applicable law be excluded or limited.
  • Subject to sub-clause (a) above, in no event shall Howden be liable (whether for breach of contract, negligence or for any other reason) for any loss of profits, exemplary or special damages, loss of sales, loss of revenue, loss of goodwill, loss of any software or data, loss of bargain, loss of opportunity, loss of use of computer equipment, software or data, loss of or waste of management or other staff time, or for any indirect, consequential or special loss, however arising
  • Subject to sub-clause (a) above, Howden is not liable for any action you may take as a result of relying on any information provided on the Site.

External Links:

The Site may from time to time include links to external sites and co-branded pages. Howden has included links to these sites and co-branded pages to provide you with access to information and services that you may find useful or interesting. Howden is not responsible for the content of these site and pages or for anything provided by them.


Howden accepts no responsibility or liability for any damage to hardware or software caused to you by downloading material from the Site. You must ensure that your computer has all necessary software to protect you from computer viruses.

Suspension and termination of service:

Howden may suspend or terminate the operation of the Site at any time. Access to or use of the Site or any pages linked to it will not necessarily be uninterrupted or error free.

Personal data

Nothing in these terms and conditions shall act to exclude or limit Howden's liability for loss, misuse, or alteration of data collected from the site.

General and Governing Law:

Howden may change these terms and conditions from time to time and will endeavor to notify you of any major changes by posting a message on the Site. You should check these terms and conditions each time you revisit the Site. These terms and conditions form the entire understanding of the parties and super cede all previous agreements, understandings and representations relating to the subject matter.

If any provision of these terms and conditions is found to be unenforceable, this shall not affect the validity of any other provision. Howden may delay enforcing its rights under these terms and conditions without losing them. Howden will not be liable to you for any breach of these terms and conditions which arises because of any circumstances which Howden cannot reasonably be expected to control.

You agree that Howden may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed by Indian laws, and you consent to the non-exclusive jurisdiction of the Indian courts.