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
This website is an insurance comparison service designed to save you time and money when sourcing your insurance. We do not arrange insurance for you. We source a range of quotes and transfer you to an insurance intermediary, who shall arrange the insurance for you.
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 receiving the e-mail.
3 Who Are We?
Open Comparison (Jersey) Limited websites are owned by Open Comparison (Jersey) Limited. Open Comparison (Jersey) Limited is an Appointed Representative of Business Insurance Solutions Ltd (BISL) 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 the website or provide to us in any format 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 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 contact us via BISL at:
Address: Complaints Dept, 1st Floor, 2 Bishops Wharf, Walnut Tree Close, Guildford, Surrey, GU1 4UP
Telephone: 0330 041 9374
Email: complaints@bisl.co.uk
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 BISL’s internal procedure for dealing with complaints is available on request. If you are still dissatisfied, you may be entitled to refer your complaint to the Financial Ombudsman Services (FOS).
BISL is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation in the unlikely event we cannot meet our obligations. More information can be found 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, we are unable to offer advice on particular insurance providers or the services they may offer. With your permission, we may refer you to specialist insurance providers not currently available online.
7 Our Liability
These terms do not exclude our liability 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 liability.
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 both parties at the time your information is submitted.
We will not be responsible for indirect losses including loss of income, business loss, loss of data, loss of profits, loss of anticipated savings, or wasted management time.
We are not responsible for any losses arising from events outside our reasonable control.
8 Accessing Our Website
Access to our website is permitted on a temporary basis to find competitive prices from leading UK insurance and financial service providers. We reserve the right to withdraw or amend our service without notice.
If you are provided with a password or security information, you must keep it confidential. We may disable your account if you fail to comply with these terms.
9 Third Party Links
You may access third-party websites via hyperlinks on our website. These websites are owned and operated independently. We accept no liability for any statements, information, products or services available on third-party websites.
We cannot guarantee these websites are free from viruses or harmful components.
10 Intended Use
This website is for non-commercial, personal use only by UK residents. We reserve the right to take legal action against any individual or company using our website for commercial or unauthorised purposes, including processing multiple quotes for other parties.
11 Website Content
We make every effort to ensure website information is accurate and current. However, we cannot accept liability for errors or omissions. We reserve the right to update, amend, or remove information at any time.
Although we take precautions against viruses, we cannot guarantee the site is free from harmful content.
12 Intellectual Property Rights
We are the owner or licensee of all intellectual property rights on this website. This includes logos, trademarks, domain names, database rights, trading names, graphics, images, and all other IP rights.
The copyright in the material contained on this website belongs to InsureTec Solutions Ltd. Individuals may print off website material for personal use only, subject to the following conditions:
- The material may not be used for commercial purposes.
- The copy must retain copyright or IP notices.
- Images are protected by copyright and cannot be used without written permission.
- No logos, trademarks, or designs may be copied except as part of accompanying text.
13 Reliance on Information Provided
Commentary and other materials on our website are not intended to amount to advice on which reliance should be placed. We disclaim all liability from any reliance placed on such materials by any website user.
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.
