Terms & Conditions

1 The Agreement

By using our website and insurance comparison services you are agreeing to these terms and conditions so that we can deliver to you the cover you require where it is available from online providers of insurance and financial services products. If you do not agree to these terms and conditions, please refrain from using our website. If you are unsure about any aspect of these Terms & Conditions, please contact us.

2 Our Services

Life Compare is an insurance comparison service designed to save you time and money when sourcing your insurance. We will endeavour to find you the most competitive quotes, and also provide you with the information required to make an informed decision on which policy best suits your needs. We will source products but do not make recommendations or offer advice. We ask questions in order to source quotations, but you will need to make your own choice about how to proceed.

After completing a quotation online via our website, you agree that you will receive an initial e-mail from us. This e-mail will confirm that you have used our website and that your quotation has been saved for you. You cannot opt out of the receiving the e-mail.

3 Who Are We?

The InsureTec Solutions Ltd websites are owned by InsureTec Solutions Ltd ( Guernsey Co 73081) of Glategny Court, Glategny Esplanade, St Peter Port, Guernsey, GY1 4EW. InsureTec Solutions Ltd is an Appointed Representative of Business Insurance Solutions Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 513256.

4 Your Responsibilities

In order to get a quote through our price comparison service, you will need to answer a number of questions on our site which cover the full set of questions needed by all the different underlying insurance and financial service providers and any intermediaries they may use. The answers you give will determine the amount you pay and the level of cover you receive. You must get permission from any other people whose details you propose to use in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person’s details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

It is your responsibility to ensure that all information you enter onto Life Compare is true, accurate and complete and that you disclose all relevant and material facts. If you do not provide accurate information and disclose all relevant facts this could lead to your selected product being invalid and claims may not be paid.

We cannot be held responsible if your selected product is invalid as a result of your error in providing correct information, or from a failure to disclose all material facts to us or your selected provider.

It is important that you read the insurance company’s terms and conditions to check that you understand and agree with them before purchasing your product or service. The insurance company’s terms and conditions will not be the same as ours and they will be the terms which you will be agreeing to when accepting a quotation.

Once you have purchased a product, it is important that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply. Particular attention should be paid to any warranties and conditions as failure to comply with them could invalidate your policy. If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

If you have any doubt about whether further information about you, which was not requested during the quotation procedure, is required to be disclosed to the insurer please contact the proposed insurer before you accept the quotation.

5 Complaints

Our aim is to provide you with a high level of service at all times. However, if something has gone wrong and you wish to make a complaint, please call us on or write to our Customer Services Manager, InsureTec Solutions Ltd of Glategny Court, PO Box 140, Glategny Esplanade, St Peter Port, Guernsey, GY1 4EW.

If your complaint relates to an insurance company or insurance policy, we will let you know that we have forwarded your complaint to the insurance company and will supply you with their contact details. The insurance company will then reply to your complaint directly.

A summary of our internal procedure for dealing with complaints, which out lines how we will deal with your complaint, is available on request. If you are still dissatisfied, you may be entitled to refer your complaint to the Financial Ombudsman Services (FOS).

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that we cannot meet our obligations to you. This depends on the type of insurance, size of the business insured and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS at www.fscs.co.uk.

6 Price Delivery

Our partners change their prices and adjust their rates on a regular basis. As such we can only guarantee prices if you purchase the policy immediately. The price quoted to you will be accurate at the time of issue, and may change if your quote is resubmitted.

Once you have received your prices, we may call you to discuss your quote. Please note, Life Compare is unable to offer advice on particular insurance providers or the services they may offer. With your permission, we may refer you to a range of specialist insurance providers which are not currently available on-line.

7 Our Liability

These terms do not exclude our liability to you in any way for: personal injury or death caused by our negligence; fraud or fraudulent statements made by one of our employees or agents or any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.

In addition, we are only liable for losses which are a foreseeable consequence of us breaking this contract. Losses are foreseeable where they could be contemplated by you and us at the time your information is inputted onto our website.

We will not be held responsible for any indirect losses which happen as a side effect of the main loss or damage which you suffer and which are not foreseeable by you and us at the time we enter into this contract, including, but not limited to: loss of income or revenue; loss of business; loss of data; loss of profits or contracts; loss of anticipated savings or waste of management or office time however arising, provided that this provision will not prevent you from bringing claims against us for loss of or damage to your physical property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

In no circumstance will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.

8 Accessing our Website

Access to our website is permitted on a temporary basis to find the most competitive prices from leading UK insurance and financial services providers. We reserve the right to withdraw or amend the service we provide on our website without notice, and will not be liable if for any reason our website is unavailable at any time or for any period.

If you choose, or are provided with a password or any other piece of information as part of our security procedures, you must treat such information as confidential, and must not disclose it to a third party. We have the right to disable any password if in our opinion you have failed to comply with any of the provisions of these terms of use.

10 Intended Use

This website is for non-commercial, personal use only by UK residents (private individuals or businesses looking to source their own products and services). We reserve the right to take legal action against any individual or company who uses our website and/or services for commercial use or in any unauthorised manner. This includes (but is not limited to) breach of copyright and processing multiple quotes for other parties.

11 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.

Whilst we take every reasonable step to counteract viruses and other things with infectious or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such infectious or destructive properties.

12 Intellectual Property Rights

We are the owner or licensee of all intellectual property rights in our website and the material published on it. This includes, but is not limited to, all logos, trade marks, service marks, domain names, database rights, business names, trading names, design rights and all other intellectual property rights in our website.

The copyright in the material contained in this website belongs to InsureTec Solutions Limited. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:
The material may not be used for any commercial purposes;

The copy must retain any copyright or other intellectual property notices contained in the original material;
Images on this website are protected by copyright and may not be reproduced or used in any manner without written permission from the owner(s);

No logos, trade marks, service marks, images, designs or graphics appearing on the site may be printed off or copied, except as part of the text of which they form part.

13 Reliance on Information Provided

Commentary and other materials published on our website are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any user of our website, or by anyone who may be informed of any of its contents.

14 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.

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