Legal notice

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    Please read these terms of use carefully as they apply to your use of this website. By proceeding to access our website you are deemed to have accepted these terms of use.


    © Copyright 2010–2023
    Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft in München and/or its direct or indirect subsidiaries ("Munich Re"). All rights reserved.

    Texts, pictures, footage and graphics and their appearance in the Munich Re website are protected under copyright law and other protective legislation. These materials or any portions thereof may be used solely for personal and non-commercial purposes. An exception shall be the use of pictures and footage downloaded from the database in the picture archive and the press footage by representatives of the media if and insofar as such pictures are used in publications with editorial relevance to Munich Re.

    Any contents and components of this website permitted to be stored, reproduced or distributed must contain a reference to Munich Re's copyright. Pictures and footage as well as articles from newspapers and magazines appearing in the Munich Re website may also in certain instances be subject to the intellectual property rights of third parties.


    "Münchener Rück", "Munich Re" and the Munich Re logo are internationally protected registered trademarks. All other company names, logos and product names appearing on the Munich Re website may be the registered trademarks of their respective owners.

    Disclaimer and reservation of right of modification

    This website is provided on an "as is" basis. While Munich Re has used its discretion, best judgement and every reasonable effort in compiling the information and components contained in this website it shall not be held liable for the completeness, correctness, topicality and technical accuracy of any information contained herein. All liability of Munich Re however arising (whether in contract, tort or negligence) for any inaccuracies or errors is expressly excluded to the fullest extent permitted by law.

    If you are in any doubt as to the validity of information made available on this website, we recommend you seek verification by contacting us.

    Munich Re shall not be held liable for any loss or damage caused by computer viruses when users retrieve or download data from this website. Munich Re reserves the right, without the need to give prior notice, to modify, supplement, interrupt or withdraw any information and components in this website.

    Links to third party sites

    Clicking on certain hyperlinks on this website allows you to leave this website. A linked site is not under the control or influence of Munich Re and Munich Re is not responsible for the contents and design of or for any changes made to a linked site. Munich Re therefore shall be liable neither for offsite material contained in linked sites nor for any links contained in a linked site.

    Applicable law

    The laws of England and Wales shall govern the use of the website and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the Courts of England and Wales.