Terms & Conditions

Terms of Website Use

This page (together with the documents referred to on it) tells you of the terms of use on which you may make use of our website LifeCover.com (our site) whether as a guest or a registered user.

Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Information about us

Core Cover Ltd, trading as Lifecover.com, is authorised and regulated by the Financial Conduct Authority.

Core Cover Ltd is registered in England and Wales under No. 10096951
Core Cover Ltd are Directly Authorised & Regulated by the Financial Conduct Authority, reference No: 774068
Core Cover Ltd. Meteor House. First Avenue, Finningley, Doncaster, DN9 3GA

Accessing our site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide to our site without notice (see below). We will not be liable if, for any reason, our site is unavailable at any time for any period.

From time to time we may restrict access to some parts of our site to users who have registered with us.

We have the right to access to the site, if, in our opinion, you have failed to comply with any of the provisions of these terms of use.

Reliance on information

Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

Content and information supplied by third parties other than Core Cover Ltd is identified clearly where it appears. We will publish this content as supplied to us and we are not responsible for its accuracy or timeliness. You must take appropriate steps to verify this information before acting upon it.

Our liability

The material displayed on our site, is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby exclude:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or law of equity. Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation liability for:

  • Loss of income or revenue
  • Loss of business
  • Loss of profits or contracts
  • Loss of anticipated savings
  • Loss of data
  • Loss of goodwill
  • Wasted management or office time
  • For any other loss or damage of any kind, howsoever arising and whether caused by torte (including negligence), breach of contract or otherwise, even if foreseeable.

This does not affect our liability which cannot be excluded or limited under applicable law.

Intellectual property rights

We own the copyright in the content published on the website except where otherwise indicated by a third party’s proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

Transactions concluded through our site

Contracts for the supply of services or information formed through our site or as a result of visits made by you are governed by any specific terms and conditions of supply relating to the particular service or information supplied.

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.


Identities and images shown with testimonials may have been changed to protect the privacy of the individuals. All comments within any testimonials used have been used with the permission of the individual clients who gave them.

Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Viruses, hacking and other offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial of service attack or a distributed denial of service attack. By breaching this provision you would commit a criminal offence under the Computer Misuse Act 1990, we will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or any website linked to it.

Our site changes regularly

We aim to update our site regularly and change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Revision of terms

We may revise these terms of use 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 have made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Contact us

By post:

Meteor House,
First Avenue,

By phone: 0800 0901546

By email: contactus@lifecover.com

We will try to reply to your email address unless we need to refer to confidential information or enclose copies of important documents, in which case we will contact you by post.

M&S Gift Card Giveaway

The M&S Gift Card giveaway competition is open to residents of the UK excluding the Channel Islands and Isle of Mann & aged 18 and over.

To participate in the competition/draw, you must apply on lifecover.com/apply/ before 11.59pm on Saturday 31st of August 2019, no purchase is necessary to enter.

Applicants are under no obligation to speak to the insurance provider/broker or take out insurance to qualify for this promotion.

The competition is not open to employees or agencies of Core Cover Ltd, their group companies or family members, freelance contributors to Core Cover Ltd., or anyone else connected to the voucher.

Entrants who redeem the voucher shall be deemed to have accepted these Terms and Conditions.

The recipient[s] will be selected by way of a random draw from all entries received in accordance with these Terms and Conditions.  The draw will take place on or after 04/09/2019, with winners notified after this date.

The prize is an M&S Gift Card worth £200.

M&S Gift Cards can be used online or in over 600+ M&S Stores.

Gift cards may not be exchanged for cash.

Please note that this gift card cannot be redeemed on any of M&S international websites.

Core Cover Ltd retains the right to substitute the prize with another of similar value in the event the original prize is not available.

Nothing in these terms and conditions shall exclude the liability of Core Cover Ltd. for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence.

Core Cover Ltd accepts no responsibility for any damage, loss, liabilities, injury or disappointment incurred or suffered by you as a result of entering the giveaway or attending the event.Core Cover Ltd further disclaims liability for any injury or damage to your or any other person’s computer relating to or resulting from participation in or downloading any materials in connection with the giveaway.

Core Cover Ltd reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, this prize with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud). The decision of Core Cover Ltd in all matters under its control is final and binding and no correspondence will be entered into.

Core Cover Ltd shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control. Such circumstances shall include, but not be limited to, weather conditions, fire, flood, hurricane, strike, industrial dispute, war, hostilities, political unrest, riots, civil commotion, inevitable accidents, supervening legislation or any other circumstances amounting to force majeure.

The giveaway will be governed by English law.

Promoter: Core Cover Ltd, Meteor House, First Avenue, Finningley, Doncaster, DN9 3GA

The competition starts on Friday 31st of May 2019 and close at 11.59pm on Saturday 31st of August 2019.

The winners will be notified by email/mail/phone and the winners name will be displayed on this page.

The Gift Card will be sent with “signed for” post within 7 working days of the winner being announced.

September 2019 winner is Sireta G, draw completed on Tuesday 3rd September at 15:48

December 2019 winner is Nigel H, draw completed on Monday 16th December at 14:48