Updated: 8 November 2026
Who we are
ChoosePrivate is a trading style of PJG Financial Limited. In these terms, we and us mean PJG Financial Limited.
PJG Financial Limited, registered in Scotland, company number SC535782, registered office 5 South Charlotte Street, Edinburgh EH2 4AN.
PJG Financial Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 919697. Its insurance permission is introductions only. It introduces customers to FCA-authorised firms and does not advise on, arrange or sell insurance. It never holds client money.
PJG Financial Limited is registered with the Information Commissioner’s Office (ICO), registration ZB537016.
What the site provides
The site provides information about private health insurance and an enquiry service. It does not give advice or recommendations, provide quotes or make an offer of insurance. Sending an enquiry does not take out cover or commit you to buying a policy.
There is no charge to you for using our service. The specialist pays PJG Financial Limited a fee for each enquiry passed on.
Our guides
Our guides are general information. They do not take account of your circumstances and are not personal advice or recommendations. Cover and exclusions vary between policies. Speak to the specialist about your needs and check the policy documents before deciding.
Using the enquiry form
You must be 18 or over to submit an enquiry. The form asks one question at a time about the cover you want to discuss, current or previous insurance, your preferred start date and your contact details. We ask for your date of birth to check your age and because age affects cover.
Please give accurate and complete answers and use your own contact details. Check them before sending your enquiry. Let us know if you spot a mistake. The form does not ask for health information. Please do not send medical details to us.
The specialist and insurer
We pass your enquiry to one FCA-authorised health insurance specialist, an adviser or broker firm. The specialist contacts you by phone or email. It gives any advice and quotes and arranges any policy with an insurer. It may ask about your health to explain underwriting and quotes.
The specialist has its own terms of business and privacy notice. Any policy is provided by the insurer under its own terms. Read these documents before agreeing to a service or buying cover.
Availability and changes
We take reasonable care to keep the site accurate and working. Access may be interrupted for maintenance or reasons outside our control. We may update content or change the enquiry service.
If we change these terms, we’ll update the date above. Changes apply to future use and do not alter the terms for an enquiry already submitted.
Please use the site lawfully. Do not try to gain unauthorised access or send harmful code.
Links to other sites
Links to other websites are provided for reference. We do not control their content or services. A link does not mean we endorse that site. Check its terms and privacy notice before using it.
Intellectual property
We or our licensors own the site’s content and design. You may read, download or print content for your own personal use. Keep any ownership notices. You must not republish or use the content commercially without our written permission, except where the law allows.
Our responsibility to you
We are responsible for loss or damage you suffer as a foreseeable result of our breach of these terms or failure to use reasonable care and skill. Loss is foreseeable if it is an obvious consequence or if we both knew it might happen.
We are not responsible for losses that were not reasonably foreseeable. The site is for personal use, so we are not liable for business losses.
Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or anything else the law does not allow us to exclude or limit. Your rights under the Consumer Rights Act 2015 and other applicable consumer law are unaffected.
Scots law and UK courts
These terms are governed by Scots law. You can bring proceedings in the Scottish courts. If you live in England, Wales or Northern Ireland, you can also bring proceedings in the courts where you live. This does not remove any mandatory consumer protections that apply where you live.
Contact us
For questions about these terms or our enquiry service, email hello@chooseprivate.com or write to PJG Financial Limited, 5 South Charlotte Street, Edinburgh EH2 4AN.
Last updated 8 November 2026