These terms and conditions shall apply to Your use of the Website located at www.comparethemarket.com.
By using the Website You agree to be bound by the terms and conditions set out below and if You do not wish to be bound by these terms and conditions You should not use the Website.
We reserve the right to alter these terms and conditions from time to time but if We do so We shall post any such changes on the Website. Your continued use of the Website shall constitute acceptance of the amended terms and conditions.
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1. Definitions
1.1 "You" and "Your" means the person who wishes to use the Website.
1.2 "We" "Us" and "Our" means comparethemarket.com a trading name of BISL Limited of Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS its employees and agents, its successors and includes any other person or business to whom We may transfer Our rights under these terms and conditions.
1.3 "Website" means a site on the World Wide Web.
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2. Use of the website
You agree that Your use of the Website shall be in accordance with the following conditions:
- 2.1 You will not do anything that affects the integrity or security of the Website or causes unreasonable inconvenience to any of Our staff.
- 2.2 Use of Our Website is permitted for private non-commercial purposes only.
- 2.3 You will not gather, extract, download, reproduce and/or display on any other website or other online service or otherwise, any material on or from Our Website, including but not limited to information relating to insurance prices, whether or not by the use of spiders, data mining, trawling or other ‘screen scraping’ software or system used to extract data;
- 2.4 We will determine whether there has been a breach of these terms and conditions through Your use of the Website. If a breach of these terms and conditions has occurred We may take such action as We deem appropriate including denying You access to the Website, bringing legal proceedings against You and disclosing such information to such legal or regulatory bodies as We feel appropriate.
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3. Your obligations
3.1 You will need to answer a number of questions on this website in order to obtain a quote for an insurance product. These cover the set of questions needed by all the insurance service providers whose details appear on this website. The level of cover and the amount you will pay will be determined by the answers you provide to these questions and therefore you should answer all questions to the best of your knowledge and belief. If you fail to provide the insurer with all the necessary information requested it may lead to you having no insurance or paying an additional premium.
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4. UK residents only
4.1 The products and services described on this website are only available to residents of the United Kingdom insuring private cars, vans or private homes as appropriate, within Great Britain, Northern Ireland and the Isle of Man (excluding the Channel Islands). By requesting a motor insurance quote, you confirm that all drivers on your policy are UK residents and that if there is any change to this status then you would immediately notify the insurance provider.
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5. Validity of quote
5.1 When you receive a quote you should click through to the insurance provider's website if you want to see how long it will be valid for. This is because insurance providers' prices and rates are changed on a regular basis and in some cases on a daily basis. The price given to you will be accurate at the time of issue.
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6. Price delivery
6.1 You should receive the results of our price comparison technology interactively. However, we are completely reliant on the availability of the third party sites and on the overall performance of the world wide web. At certain times interactive quotes are not available. You will be advised if this is the case and under these circumstances we will e-mail you to advise when your quotes are ready.
6.2 All providers specialise in slightly different risks and they do not quote on risks that fall outside their target customers. The more "high risk" or "non-standard" your risk is classed as by them. the fewer prices you will receive. In some cases, it might not be possible for you obtain a quote at all over the internet. In such cases we may put you in contact with a specialist telephone provider who will approach the insurance underwriters direct and negotiate a special rate on your behalf.
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7. Accessing underlying Company Information
7.1 comparethemarket.com is not a broker. We provide a service which enables you to compare a number of insurance products.
7.2 In order to accept the price our technology found for you, you must contact the insurance provider direct. We will give you a direct link to their website along with any identification needed to access your details. You can choose to accept cover over the telephone if you prefer, provided they offer that option. You will find all the relevant information regarding acceptance of the product and contact details on the insurance provider's website.
7.3 Before you buy, it is important that you check all the information that 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 insurance product. If you are buying via their website you must also read the insurance provider's own terms and conditions. They are the terms and conditions that you agree to by buying from them and are completely separate from ours.
7.4 Most insurance providers make certain assumptions about you, for example, they assume you have no criminal convictions and 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 product. We accept no responsibility, or any liability whatsoever, for the terms applied to an insurance contract entered into with any provider or for any problems or complaints that may arise in the operation of your insurance product.
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8. Intellectual property
8.1 All information, data and the copyright material contained in this Website and any trade marks (whether registered or unregistered), trade names, brands, logos and devices included in that material belongs to Us or Our licensors.
8.2 You may download or copy the content and other downloadable items displayed on the Website subject to clause 2 of these terms and conditions and on the condition that the material may only be used for personal non-commercial purposes. Copying or storing the contents of the Website for other than personal use is expressly prohibited.
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9. Responsibility for content
9.1 We are providing this Website on an "as is" either end basis and make no representations or warranties of any kind in respect of this site or its contents and disclaim all such representations and warranties. In addition, We make no representations or warranties about the accuracy, completeness, or suitability for any purpose of the information and related graphics published in this Website. The information contained in this site may contain technical inaccuracies or typographical errors. All Our liability howsoever arising for any such inaccuracies or errors is expressly excluded to the fullest extent permitted by law.
9.2 We make no warranty that the Website or any linked website is free from viruses or other malicious computer problems. You are responsible for ensuring that you use the appropriate virus checking software.
9.3 Neither We nor any of our employees or other representatives will be liable for loss or damage arising out of or in connection with the use of this site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property in claims of third parties.
9.4 Notwithstanding the foregoing, none of the exclusions and limitations under the clause are intended to limit any rights You may have as a consumer under local law or other statutory rights which may not be excluded or in any way to exclude or limit Our liability to You for death or personal injury resulting from Our negligence or that of Our employees or agents.
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10. Complaints procedure
What to do if you have a complaint?
Service Standards
We aim to provide a high level of service to all our customers but occasionally things can go wrong, when this happens we will do everything we can to put things right.
Complaints Procedure
If you have a complaint about our service, please contact us first by email and if after emailing us you are still not happy please write to our Customer Relations Manager at the address shown below. Should you wish to use an alternative means of communication, we are happy on request to correspond with you by telephone or fax.
For the purposes of handling complaints our working day is 9am to 5pm Monday to Friday, not including Bank Holidays.
By email:
Please email us at feedback@comparethemarket.com and we will attempt to resolve your complaint within 24 hours. If we are unable to resolve your complaint, we will agree the next steps with you.
In writing:
Please address your letter to:
comparethemarket.com
Customer Relations Manager
Pegasus House
Bakewell Road
Peterborough
PE2 6YS
Please include your name and address, a contact telephone number, your quote number and details of why you are unhappy. This will help us to respond to you as quickly as possible. If we do not have enough information to investigate your complaint we will contact you to ask you for further details.
If we are unable to resolve your complaint by the close of business the next working day, we will send a written acknowledgement of your complaint to you within 5 working days of its receipt. In our acknowledgement we will advise you of the name and job title of the person who will be dealing with your complaint.
Within four weeks of receiving your complaint we will send you either: A final response; or A letter explaining why we are not yet in a position to resolve your complaint and advising you of when we will be contacting you again.
By the end of eight weeks after receipt of your original complaint letter we will send you: A final response; or
A letter explaining why we are still not in a position to issue a final response and advising you of when we expect to be able to do so. At this time, if you are dissatisfied with the delay you may refer your complaint to the Financial Ombudsman Service.
If you have a complaint about a policy that you bought through comparethemarket.com
If your complaint is regarding an insurance policy or any other product that you have purchased through our website, then you should complain directly to that company. BISL Limited, trading as comparethemarket.com, cannot accept liability for errors made by the underlying provider or their intermediary or appointed representative or answer complaints on their behalf. In these circumstances we recommend that you visit the website of the provider and follow their complaints procedure.
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11. Privacy policy
11.1 We shall comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from You.
11.2 We acknowledge and agree to be bound by the terms of Our Privacy Policy.
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12. Third party websites
12.1 This website may also contain hyper text links to websites operated by third parties. The operation and content of those websites shall be determined by the organisation which controls the website and this will be governed by separate terms and conditions. Links are provided for convenience only and inclusion of any links should not be taken to imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any other website.
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13. Termination
We have in Our sole discretion the right to issue a warning, temporary suspension, or an indefinite suspension and termination of Your rights to use the website if You:-
- 13.1 act inconsistently and in breach of these terms and conditions;
- 13.2 at any time violate or attempt to violate any rights of any other user of the website or third parties;
- 13.3 are engaged in any fraudulent activity.
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14. General
14.1 If any provision of these terms and conditions are held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of this agreement and the remainder of the provision in question will not be affected.
14.2 English law will apply to this agreement and the parties agree to submit to the non-exclusive jurisdiction of the English courts.
14.3 Save as expressly provided elsewhere these terms and conditions shall apply only between Us and You and no other person shall be entitled to benefit from them.
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