Backchat's chum IIB boss Andrew Paddick has promised a magnum of bubbly for the first name drawn from a hat who correctly answers this riddle:

They say they won't deal with you if you are not. But this does not mean they will deal with you if you are.

Who are they? What are they referring to? And what word beginning with ‘H' best describes them?

Answers to Backchat at the Insurance Times address please.