The content of this e-mail is confidential or privileged and intended for the specified recipient only.

It is strictly forbidden to copy, use, distribute or take any action in reliance on the contents of this e-mail without the written consent of the sender. If you have received this e-mail in error, we would be grateful if you informed us by reply that the message has been sent to you and we would ask that you then delete it from your mailbox.

Any opinions expressed are those of the author and do not necessarily represent the views of HMCA Insurance Limited.

This e-mail does not constitute either offer or acceptance of any contractually binding agreement; such offer or acceptance can only be communicated in writing.

Thank you for your cooperation and understanding.