If you arrange your insurance policy directly with Stephen Lower Insurance Services Limited (SLIS Ltd) and not via an insurance broker or other intermediary (such as a property managing agent), then the terms and conditions that are applicable to you depends upon the inception or renewal date of your policy.

• For policies incepting or renewing on or after 1st July 2025, then Version 2507.01 shall apply, available here.

• For policies incepting or renewing before 1st July 2025, then Version 1808.01 shall apply, available here.

If you arrange your policy via an insurance broker or other intermediary, please contact the relevant intermediary directly regarding their terms and conditions.

Should you have any doubt as to which Terms and Conditions apply to you, then please contact SLIS Ltd immediately, using the contact information shown below.