Terms & Conditions
It is really important that you read and
understand our terms and conditions as they contain valuable
information and legal facts. Our staff are more than happy to
help with any further questions or queries you may have.
Please contact
us for more information.
Our agreement with
you
By agreeing to these terms and conditions you
are permitted to use our website and price comparison
technology so that you can find the most competitive prices
from the leading UK insurance and financial services providers
online.
You also confirm that you are resident in the
United Kingdom (excluding Northern Ireland and the Channel
Islands).
Your
responsibility
In order to get a quote for an
insurance or financial services product, you will need to
answer a number of questions on their site which cover the
full set of questions needed by all the different underlying
insurers and financial service providers. The answers you give
will determine the amount you pay and the level of cover you
receive in case of insurance or type of product most suitable
for you based on your answers. Please avoid any temptation to
be anything less than completely honest. It is very important
that you answer all questions truthfully and that you disclose
all relevant facts. If you do not provide your insurer or
financial services provider with the information they have
asked for or fail to tell them about any change (for example,
any information likely to influence the assessment of your
risk) it could invalidate your insurance or product. This
could have serious repercussions. For example, did you know
that it is an offence under the Road Traffic Act to make false
statements or withhold any information to obtain a Certificate
of Motor Insurance? Invalid insurance could result in you
being liable for any third party damage (and this could be an
unlimited liability), no cover being provided for your own
vehicle or property, and you could be prosecuted for breaking
the law. If you are in any doubt whether any information is
relevant, you should tell your proposed insurance or financial
services provider before you accept their quotation.
Quote
guarantees
Companies change their prices and tweak
their rates on a regular basis. Some even do so daily. When
you receive your quotes, it will tell you how long each
provider guarantees their price. The price quoted to you will
be accurate at the time of issue, based on the details you
provided and confirmed. You will receive the same guarantee
from the insurance or financial services provider as you would
have received from them by going direct.
Accessing underlying company
information
In order to accept the price our link
has directed you to, you must contact the insurance/financial
service provider direct. We will give you a direct link to
their web site. You will find all the relevant information
regarding the acceptance of the product and contact details on
the insurance/financial services providers’ website.
Before you buy, it is really important that you
check all the information they hold about you is correct. It
is your responsibility to ensure all your details are correct,
and failure to do so could result in invalidating your
product, and in the case of insurance, you not having any
insurance cover. If you are buying via their web site you must
also read the insurance/financial service providers own terms
and conditions. They are the terms and conditions that you
agree to by buying from them and are completely separate from
ours.
Most insurance/financial services providers make
certain assumptions about you, for example, they assume you
have no criminal convictions or have never been refused
insurance in the past. It is important that you check the
assumptions made as they form part of your contract and
incorrect information could invalidate your
insurance/financial services product.
We accept no responsibility, or any liability
whatsoever, for the terms applying to an insurance/financial
services contract entered into with any provider or for any
problems or complaints that may arise in the operation of your
insurance/financial services product.
Third party
links
You can link to other websites by means of
hyperlinks published on this website or emailed to you as part
of our service. These websites are owned and operated by third
parties. We accept no liability for any statements,
information, products or services that are published on or may
be accessible through third party websites.
Amendments to our
terms
We reserve the right to amend our terms and
conditions at any time. The amended terms will be effective
from the date they are posted on our website.
Website Content
We
have taken every reasonable step to make sure the information
contained in this website is accurate and up-to-date. However,
we can accept no liability for any errors or omissions. We
reserve the right to add, amend or delete information from
this site at any time. We can give no warranty that this site
and its content are free from viruses or anything else that
has contaminating or destructive properties.
Contacting Us
If at
any time you would like to contact us, the details are
available on our contact
us page, or you can write to: Customer Service dept,
Compare Insurance, 7 Otter House, Redditch B98 0SJ.
Copyright
The
copyright in the material contained in this Website belongs to
Compare Insurance. Any person may copy any part of this
material, subject to the following conditions:
- the copies must retain any copyrights or
other intellectual property notices contained in the
original material
- images on this web site are protected by
copyright and may not be reproduced or appropriated in any
manner without the written permission of their respective
owner(s).
If our standards fall
short
Our aim is at all times to provide a
first class standard of service. However, there may be
occasions when you feel we may have not achieved this. If we
fall short of our own high standards then we want you to tell
us! At Compare we take all complaints seriously and in such an
event the procedure is as follows: -
- Write or email our Communications Manager,
Compare Insurance, 7 Otter House, Redditch, B98 0SJ or
e-mail us at communications@compare-insurance.co.uk.
We aim to fully investigate and reply to your complaint on
the next working day after receiving your letter or e-mail.
If your complaint is regarding an insurance
policy or the financial service product you purchased and with
whom we put you in touch, then you should complain direct to
that company. Compare cannot accept liability for errors made
by the underlying provider or answer complaints on their
behalf. In such an event we recommend you use the following
guidelines: -
- Write to the Managing Director of the actual
provider. You can obtain this information from their website
or from the documentation sent to you when you bought the
insurance/financial services product.
- If you are still dissatisfied, follow your
providers complaints procedure, which will advise you to
contact one of the following regulatory bodies:
Intellectual Property
Rights
Save for third party trade marks all
Intellectual Property Rights including, without limitation,
all database rights, rights in design, rights in know-how,
patents and rights in inventions (in all cases whether
registered or unregistered and including all rights to apply
for registration) and all other intellectual or industrial
property rights in any jurisdiction in any information,
content, materials, data or processes contained in or to this
Web Site belong to Compare Insurance. All rights of Compare
Insurance in such Intellectual Property Rights are hereby
reserved.
Uninsured loss recovery (Accident
management)
Providing you were involved in a non fault accident,
Legal solutions direct will assist you in recovering
anything you have lost out on due to the non fault claim.
This applies to the following motorised vehicle: Car,
Motorbike, Commercial Vehicle (Van) or Taxi. Legal solutions
direct will manage your claim, appoint a legal representative,
arrange the repair of your vehicle and provide a courtesy
car to keep you moving. This is an after the event insurance
backed policy, and you must adhere to the terms and
conditions of Legal solutions direct these will be sent
via e-mail and on paper upon signup.
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