Terms and Conditions
On this website/ service (together referred to below as "this website") we offer insurance introduction services. These include assessing your insurance profile for certain categories of insurance by means of our data entry forms and introducing you to a selection of insurers, brokers and other intermediaries (together referred below as "insurers") whose target criteria you are most likely to meet.
Applicability of these terms and conditions
By using this website, you confirm that you agree to these terms and conditions, which constitute a contract between you and us concerning use of this website. You also confirm that you have shown these terms and conditions to, and obtained similar confirmation from, any third parties on whose behalf you act.
We reserve the right to change these terms and conditions without notice and so you should check the position each time you visit this website. The effective date will be shown at the bottom of this document.
Geographical application
Unless we specifically state otherwise, by using this website you are confirming that you and any named drivers are residents of the United Kindom and are aged 17 or over.
Buying insurance
Any prices for insurance suggested on this website are approximate only and based on information which insurers send us. In any case, the insurers concerned may change them. We can't guarantee that you can actually buy insurance at the price indicated (or at all) and so you should double check the actual premium quoted by the insurer before you buy.
Just so you are clear, we don't sell insurance or enter into insurance contracts ourselves. This is between you and the insurer and so you should request and read the insurer's terms and conditions before you buy. Ask for a copy of these documents when you speak to the insurers concerned as they are completely different to our own. We're not responsible or liable for any insurance which you go on to buy. If you need more information about particular insurance, you should contact the insurer directly.
Also, we're not a broker. We can't promise that any particular insurance is suitable for you. For example, the cheapest insurance may not necessarily be the best for your circumstances. The information contained in this site is classed as "unadvised."
Information on our website
We provide insurance information of a general nature on our site but this isn't intended as insurance, legal, tax, accounting, consulting or other advice. In particular we don't advise on the merits of buying or not buying any particular insurance or other products or services. While we do our best to ensure that general information on our site is accurate and up to date, we can't promise this and so it's at your risk if you rely on it when deciding whether or not to buy any, or any particular type, of insurance or for any other reason.
Registration/Data
If you register on this website, you must keep your any log in details confidential and secure (and we may change these at any time if we think it necessary) including exercise of particular care when using a shared computer. You are responsible for all persons who log in using your password and/or other log in details. We may require you to provide your password or security phrase when you contact us. You must notify us immediately of any actual or suspected security breaches.
It is your responsibility to check carefully that any information you submit on this website (including forms pre-populated with data you have previously supplied) is accurate, that you have disclosed all relevant facts and that it remains up to date. Otherwise, for example, emails intended for you (which might include passwords) could go to an incorrect or old email address. Also, when getting a quote or buying insurance from an insurer, it is up to you to check that information of yours which we have passed on to the insurer is accurate and up to date as, despite our best efforts, mistakes in storage/ transmission of data can happen.
You may have agreed on this website or elsewhere to us emailing you coming up to your renewal date with an indicative quote plus shortlist of appropriate insurers. Even if so, we do not promise to send such an email and you should not rely on this as reminder service. It is your responsibility to diarise your insurance expiry dates.
Data Protection
Personal information collected from you is subject to our separate privacy policy.
Functioning of this Website
We make no promise that this website will operate either fully or in part on any specific computer equipment or with any specific software or that it is free from viruses or anything else which may have a harmful effect on any technology. We are not responsible or liable for any damage, either temporary or permanent, occurring to either equipment or software that might occur whilst using our website.
We reserve the right to suspend operation of this website without notice for repair, maintenance or other technical reasons.
Links to other sites
We have no control over, make no promises in respect of and accept no responsibility for any third party websites/products/services to which we link or which link to us.
Disclaimer
This website is provided "as is". Without prejudice to what we have stated elsewhere in this agreement, we don't promise that this website or any data stored or transmitted in connection with it will be uninterrupted, secure or error-free or will achieve particular results. This doesn't affect our obligation to take appropriate precautions to secure your personal data in accordance with our privacy policy.
Liability
This section (and any other clause excluding or restricting our liability) applies to our directors, officers, employees, subcontractors, agents and affiliated companies as well as to us. Nothing in this agreement in any way limits or excludes our liability for negligence causing death or personal injury or for fraudulent misrepresentation or for anything which may not legally be excluded or limited. If you are a consumer your statutory rights are not affected by this agreement.
In no event (including our own negligence) will we be liable for any: economic losses (including, without limit, loss of revenues, profits, contracts, business or anticipated savings); loss of goodwill or reputation; special, indirect or consequential losses; or damage to or loss of data even if we have been advised of the possibility of such losses.
To the extent allowed by law, we exclude all implied obligations not expressly stated in this agreement.
Intellectual property rights
The content of this website including without limitation all information, software, data, text, photographs, graphics, sound and video are protected by copyright, trade marks, service marks, patents or other intellectual property of ourselves or third parties.
Except insofar as expressly permitted in these terms and conditions, or with our prior written consent, the content of this website may not be retrieved, displayed, modified, copied, printed, sold, downloaded, sold, hired, reverse engineered or transmitted in any way. You may retrieve, display, copy, print or download the content on this site for legitimate personal use only and not for commercial exploitation.
General
Headings above are for guidance only and not binding. These terms and conditions constitute the entire agreement between you and us. Any failure by us to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any provision of these terms and conditions is found by a court to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision and that other provisions remain in full force and effect. Save in respect of clauses excluding or restricting our liability a person who is not a party to this agreement shall have no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this agreement.
Law and jurisdiction
This contract is governed by the law of England and Wales and is subject to the exclusive jurisdiction of the courts of England and Wales.
The terms and conditions laid out in this document are effective as of midnight March 1st 2008.