Terms of use (“Terms”)

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE

What’s in these terms?

These Terms tell You the rules for using the comparemycover service via the comparemycover.co.uk and app.comparemycover.co.uk websites.

Definitions
Who we are and how to contact Us.
Acceptance of Terms.
Making changes to these Terms.
We may suspend or withdraw our site.
We may transfer this agreement to someone else.
Our site is only for users in the United Kingdom.
You must keep Your account details safe.
Answering questions and obtaining quotes
Quote results and communications
Price comparison quotes, special offers and IPT
How You may use material on our site.
No text or data mining, or web scraping.
Rules about linking to our site.
Trade marks.
Uploading content to our site.
Do not rely on information on this site.
Third-party website availability.
We are not responsible for viruses.
You must not introduce viruses.
Our responsibility for loss or damage suffered by You.
How we may use Your personal information.
Which country’s laws apply to any dispute.

Definitions

For the purposes of these Terms:

“Compare my cover” – comparemycover.co.uk and app.comparemycover.co.uk websites

“We/Us/Our” – Clark Insurance UK Ltd

“You/Your” – an individual using this service with a view to obtaining quotes for life insurance and critical illness cover from us

“website” means www.comparemycover.co.uk and app.comparemycover.co.uk websites operated by us.

“quote” means a price provided by a third-party provider for comparison with other quotes based on the details provided. In providing You with a quote, we cannot guarantee the availability of the product or the price quoted, as You will need to contact the third-party provider directly to make Your purchase.

“results” means one or more quotes generated by Your request.

“service” means the impartial and independent price comparison service available on our website that enables You to compare prices and details for life insurance and critical illness cover provided by third-party providers.

“third-party provider” means an insurer, who is entirely separate to Us, who may offer quotes to you for their life insurance and critical illness cover products via this website which you may then choose to purchase from them separately.

Who We are and how to contact Us

Comparemycover.co.uk and app.comparemycover.co.uk are websites operated by Clark Insurance UK Ltd. We are registered in England and Wales under company number 07279489 and have our registered office at Ground Floor, The Hub, 500 Aztec West, Bristol BS32 4RZ, which is also Our main trading address. Our VAT number is 160484711.

We are an Insurance Broker regulated by the Financial Conduct Authority (FCA) with reference 603273.

All of Our third-party providers are also regulated by the Financial Conduct Authority.

To contact Us, please email hello@comparemycover.co.uk

Acceptance of Terms

By using our website, ou confirm that You accept these Terms of use and that You agree to comply with them. If You do not agree to these Terms, You must not use our website.

These Terms of use refer to the following additional Terms, which also apply to Your use of our website

Our Privacy and Cookies Policy can be accessed here: comparemycover.co.uk/privacy/ which explain how we and our partners collect, use, store, and share Your personal data, and provides information about cookies on our website.

If You purchase an insurance policy following a comparison on our website, the terms and conditions and privacy information of the relevant third-party provider will apply to Your rights and obligations under that policy.

Making changes to these Terms

We amend these Terms from time to time. Every time You wish to use Our website, please check these Terms to ensure You understand the Terms that apply at that time. We may also make changes to our website from time to time.

We may suspend or withdraw Our site

Our website is made available free of charge.

We do not guarantee that Our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give You reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our website through Your internet connection are aware of these Terms of service and other applicable Terms of service, and that they comply with them.

We may transfer these Terms of use to someone else

We may transfer Our rights and obligations under these Terms to another organisation. We will always tell You in writing if this happens and we will ensure that the transfer will not affect Your rights under the contract.

This site is only for users in the UK

Our website is directed to people residing in the United Kingdom over the age of 18. We do not represent that content available on or through our website is appropriate for use or available in other locations.

You must keep Your account details safe and uptodate

Please keep any login or account details safe and do not disclose them to a third party.

If Your personal details or circumstances change, please update Your account promptly so that We can continue to provide You with accurate comparison services.

We have the right to disable any user identification code or password, whether chosen by You or allocated by us, at any time, if in our reasonable opinion You have failed to comply with any of the provisions of these Terms of service.

If You know or suspect that anyone other than You knows Your user identification code or password, You must promptly notify us at hello@comparemycover.co.uk

Answering questions and obtaining quotes

You will need to answer a series of questions to compare or obtain a quote for life insurance and critical illness cover. These questions ensure that Compare my cover and all third-party providers have all appropriate information required to provide You with accurate details and pricing for the product You are interested in.

You must provide full, complete, and accurate information when using this website. You must also review any details that we prepopulate about You to ensure that the information remains correct and up to date.

The level of cover and the premium amount quoted are directly reliant upon the details provided during the quote process. If You fail to provide accurate information:

The insurance product You purchase may be cancelled by the insurer; or
You may be required to pay an additional premium to reflect the increased insurance risk arising from any incorrect information.

When You receive a comparison quote for life insurance and critical illness cover, please check that all the information in that quote is accurate prior to purchasing the product.

To complete a purchase following the quote process, You will need to contact the third-party provider directly or be redirected to their website.

Please do not use this site or request quotes on behalf of anyone else.

Quote results and communications

We will show You the results of Your request for life insurance and critical illness cover quotes on the website. We may also inform You of these results by email or other available contact methods.

Where You have given Us permission to do so, We will send You marketing communications via Your preferred contact methods. Your marketing preferences can be updated at any time via the marketing preferences area of Your account. You can also adjust advertising settings related to cookies via Your browser settings.

Price comparison quotes, special offers and IPT

Some third-party providers may offer special prices, promotional availability, or specific conditions or offers on our website. These offers are the sole responsibility of the third-party provider. Please check the validity period of any quote, or any special conditions relating to it, by contacting the third-party provider directly.

Third-party providers’ prices, rates, and offer times are updated and amended regularly. Any prices displayed on our comparison website are subject to change.

How You may use material on our site

We are the owner and/or licensee of all intellectual property rights in Our website, and in the material published on it. Those works are protected by copyright laws. All such rights are reserved.

You may download extracts of any page(s) from Our website for Your personal use and You may draw the attention of others to content posted on Our website.

You may not republish material from this website; sell, rent or otherwise sub-license material from this website; show any material from the website in public or redistribute material from this website except for content specifically and expressly made available for redistribution.

You must not modify the digital copies of any materials You have downloaded in any way, and You must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on Our website must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on Our website for commercial purposes without obtaining a licence to do so from Us or Our licensors.

If You print off, copy, download, share or repost any part of Our website in breach of these Terms of service, Your right to use our website will cease immediately and You must, at Our option, return or destroy any copies of the materials You have made (except that You are permitted to print off a copy of these Terms of service).

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to Our website or any services provided via, or in relation to, Our website for any purpose. This includes using (or permitting, authorising or attempting the use of):

Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our website or any data, content, information or services accessed via the same.
Any automated analytical technique aimed at analysing text and data in digital form to generate information [or develop, train, fine-tune or validate AI systems or models] which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of Our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

By continuing to access, view or make use of Our website You hereby warrant and represent to Us that You are located in a territory permitted to do so and are over the age of 18.

Rules about linking to our site

You may link to Our home page, provided You do so in a way that is fair and legal and does not damage Our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on Our part where none exists.

You must not establish a link to Our website in any website that is not owned by You.

Our website must not be framed on any other site, nor may You create a link to any part of Our website other than the home page.

We reserve the right to withdraw linking permission without notice.

If You wish to link to or make any use of content on Our website other than that set out above, please contact hello@comparemycover.co.uk

Trade marks

“comparemycover” is a UK registered trademark of Clark Insurance UK Ltd. You are not permitted to use this trademark without Our approval.

User-generated content is not approved by us

Our website may include information and materials uploaded by other users. This information and these materials have not been verified or approved by us. The views expressed by other users on Our website do not represent our views or values.

Do not rely on information on this site

This is a comparison website displaying life insurance and critical illness cover products from third-party providers. It does not provide financial or other advice in relation to the products or services compared, nor do We provide recommendations or endorsements.

The content on Our website is provided for general information only. It is not intended to amount to financial or professional advice on which You should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our website.

Although We make reasonable efforts to update the information on Our website We make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete or up to date. If You believe any information on this site is inaccurate, please contact Us on hello@comparemycover.co.uk

We are not responsible for websites we link to or third-party availability

Where our website contains links to other sites and resources provided by third parties, these links are provided for Your information and convenience only. Such links should not be interpreted as an approval or endorsement by us of those linked websites or the products provided by those separate organisations.

We have no control over the contents of third-party provider sites or resources, and such content is completely independent from us. We are therefore unable to accept responsibility or liability for the content or accuracy of any third-party provider website.

We rely on third-party provider websites being available via the internet. This may result in some online quotes and prices not being displayed due to third-party provider website issues or general connectivity errors. Where possible, we will attempt to notify You and send updates when Your quotes are ready to view.

If You decide to purchase or make further queries about a life insurance and critical illness cover product, You will be redirected to the third-party provider’s own website. Any information You have provided may be passed to such providers to fulfill Your request. We or the provider may contact You directly to assist with Your quote request.

We are not responsible for viruses

We do not guarantee that Our website will be secure or free from bugs or viruses.

You are responsible for configuring Your information technology, computer programs and website to access Our website. You should use Your own virus protection software.

You must not introduce viruses

You must not misuse Our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with Our website or any part of it. You must not attempt to gain unauthorised access to Our website, the server on which Our website is stored or any server, computer or database connected to Our website or any other equipment or network connected with our website.

You must not interfere with, damage or disrupt any software used in the provision of Our website or any equipment or network or software owned or used by any third party on which this website relies in any way. You must not attack Our website via a denial-of-service attack or a distributed denial-of-service attack.

By breaching this provision, You would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing Your identity to them. In the event of such a breach, Your right to use Our website will cease immediately.

Our responsibility for loss or damage suffered by You

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

We do not exclude or limit in any way Our liability to You where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

The insurance products, price quotes, policy terms, and related services displayed on or accessed through our platform are provided directly by independent third-party providers. We do not operate, control, endorse, or accept responsibility for these third parties or their offerings.

To the maximum extent permitted by applicable law, We exclude all liability and responsibility (whether arising in contract, tort including negligence, breach of statutory duty, or otherwise) for:

-Any acts, omissions, errors, misrepresentations, defaults, or failures of any third-party provider, including their refusal to issue a policy, failure to honor a quote, or handling of insurance claims;

-Third-Party Content: The accuracy, completeness, legality, reliability, or timeliness of any product descriptions, policy documents, prices, or other information published on or provided by third-party providers websites or systems; and

-External websites: The content, privacy practices, availability, or performance of any third-party providers websites linked to or accessed via our platform.

Separate Legal Relationship: Any contract for insurance products or services is entered into exclusively between you and the relevant third-party provider under their specific terms and conditions. We are not a party to that contract and accept no liability for any loss, damage, or dispute arising out of or in connection with your relationship with the third-party provider.

We only provide our website for domestic and private use. You agree not to use Our website for any commercial or business purposes, and We have no liability to You for any use that is inconsistent with such usage, or any loss of profit, loss of business, business interruption, loss of business opportunity; income, revenue, anticipated savings, contracts, business, goodwill, reputation, data or information.

We will not be liable for any consequential, indirect or special loss or damage.

How we may use Your personal information

We will only use Your personal information as set out in our Privacy Notice which can be accessed here: comparemycover.co.uk/privacy. Please review our Privacy Notice for detailed information as to how both we and our third-party providers handle Your data.

Which country’s laws apply to any dispute?

These Terms of service, their subject matter and their formation, are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction over any dispute.