Terms of use

Welcome to our website.

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy and cookies policy govern Spring's relationship with you in relation to this website.

If you disagree with any part of these terms and conditions, please do not use our website.

About Spring

Spring is a trading name of Spring Financial Ltd (Company No. 11843942), authorised and regulated by the Financial Conduct Authority with Registration Number 841489 and registered address at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ.

We are authorised and regulated by the Financial Conduct Authority (FCA) to market and sell consumer insurance products.

Our services

Spring is online platform that provides you with access to purchase certain insurance products. Spring will manage you cover, payments, provide you with your document and help with any queries you may have. Spring does not provide any advice on what cover is best for you.

We arrange your policy on your behalf of our insurer, Shepherds Friendly. Shepherds Friendly underwrite your policy and pays out when you can't work.

We you buy cover on our platform, our insurer pays us a fee for setting up and managing your cover. We also keep some of what you pay each month

When you pay us for your cover, we hold this money until the end of the month before passing it to our insurer. To make sure your money is as safe as possible, we hold this money under a risk transfer agreement.

Our product, Income Insurance meets the demands and needs of people who want to insure their income.

Your responsibility

You are responsible to ensure all information you provide us is complete and accurate. If you do not provide complete and accurate answers to all questions, your cover may be cancelled.

Our website

The website and its content are properties of Spring Financial Ltd and they can be changed at any time without prior notice.

The website and its content should not be stolen, modified, copied or reproduced, unless we have given you permission.

We have taken every step to ensure the information on our website is accurate, free of any errors and that the website is safe and free of malware. However, we cannot guarantee this and we are not liable for any inaccuracies, errors or damages arising from the use of our website.

The information on the website should not be taken as any kind of recommendation or advice. Our website is intended to only provide information and it is up to you to decide the appropriate product.

Our website may also include links to other websites. These links are provided for further information. They do not signify that we endorse these websites and we have no responsibility for the content of the linked websites.

Your data

We use cookies and similar technologies to recognise you when you visit our website. For more information about this please see our Cookie policy.


Firstly, you can email us at hello@joinspring.co.uk. If you are not happy with how we deal with your complaint, you can also refer your complaint to the Financial Ombudsman Service (your legal rights are not affected). For more details you can visit their website at www.financialombudsman.org.uk.