Terms and Conditions

This website is owned and maintained by Starpeak Insurance Solutions Limited  trading  as Starpeak, Sportscover Direct, Protectivity and Les Mills. Starpeak Insurance Solutions Limited is authorised and  regulated by the Financial Conduct Authority under firm registration number 309959. 

This page informs users of the conditions of use (“Conditions of use”) on which you may make use of our website www.sportscoverdirect.com, www.protectivity.com and www.lesmillsinsurance.co.uk (referred to in these Conditions of use as the “Website”). Please read these Conditions of use carefully before you start to use the Website. By using the Website, you indicate that you accept these Conditions of use and that you agree to abide by them.. 

Availability of the Website 

We reserve the right to withdraw or amend the Website without notice. We will not be liable if for any reason the Website is unavailable at any time or for any period. We also aim to update the Website regularly and may change the content at any time. If the need arises, we may suspend access to the Website. 


The information contained within this Website is provided as a service to our customers and is provided in good faith and every care has been taken in the preparation of the content of this Website. To the extent permissible by law we provide no warranties or assurances, nor do we assume any legal liability or responsibility for the accuracy, completeness or usefulness of any of the information supplied. Unless expressed here, no condition, warranty or representation by us is given and shall not be implied in relation to the Website unless any implied condition is required by law for protection of a consumer. 

External Links 

We may provide links to other websites that are not under our control. These links are provided for your convenience. When you activate these links, you will leave the Site. We do not endorse or take responsibility for the content on third party websites or the availability of those websites and we are not liable for any loss or damage that you may suffer by using those websites. If you decide to access linked websites you do so at your own risk. 


Except where expressly stated to the contrary, all intellectual property rights in the text, graphics, information, motifs, logos, designs and databases contained in this Website, including the domain names, organisation and layout of the Website and the software used in relation to the Website, are owned by us or our licensors.  

Monitoring of Telephone Call and Emails 

Telephone calls and email correspondence with us as a result of your access to the Website may be recorded for training purposes and to assist in the prevention of fraud. By using such communication methods you are consenting to such activities taking place. 

Governing Law  

These terms and conditions  shall be governed by and construed in accordance with English Law. If any provision of these disclaimers and exclusions shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. 


We may revise these Conditions 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 Conditions of use may also be superseded by provisions or notices published elsewhere on the Website.