In these Terms and Conditions, "we", "our" and "us" means Gocompare.com Limited and "you" and "your" means any person who uses our website.
If you are unsure about any aspect of these Terms & Conditions, or have any questions regarding our relationship with you, please contact us.
We provide an independent and online insurance and financial products search engine that has been designed to save you time and money. Not only do we strive to find you the most competitive quotes for insurance or financial products and services, we also aim to provide you with the information you need to make an informed choice on which policy or product best suits your needs.
We compare car, home, van, bike and pet insurance products from a range of insurers.
We will ask you some questions and produce a list of quotations based on the answers you give and provide the information you need to help decide which is the right policy or product for you. This will enable you to make your own choice about how to proceed. We don't offer advice or make recommendations.
You will not be charged for using our website. Instead, when you use our website to buy a product or service from a third party, that third party pays a commission to us.
Gocompare.com Limited is registered in England and Wales (Company number 05799376) and our registered address is Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom.
We are authorised and regulated by the Financial Conduct Authority (FCA) and our reference number is 465053. Our permitted business is advising, arranging and making arrangements with a view to transactions in general insurance. You can check this on the Financial Services Register by visiting the FCA's website http://www.fca.org.uk/register† or by contacting the FCA on 0800 111 6768.
Gocompare.com is wholly owned by Gocompare.com Holdings Ltd, which itself is a wholly owned subsidiary of esure Services Ltd, all of which companies are members of the esure Group of companies. You can find the full list of the esure Group of companies by visiting their website www.esure.com/legal/.†
Despite this ownership, we do not favour any of the esure brands or its products on any of our comparison services. Our business is based on the independence and transparency of our results and our comparisons are ordered according to price and cover: this is never compromised by our relationship with any business. You will see some of the esure brands are listed when you use our insurance comparison services, these brands are esure, Sheilas' Wheels, esure broker, Sheilas' Wheels Broker, Sheilas' Wheels Broker Model Driver and First Alternative. These brands will never be promoted over any other provider. The results you see will be ordered by price and will be based on your individual cover requirements.
ii. You are only permitted to use our website if you are a UK resident and you are using it for personal use. Commercial use of our website is strictly prohibited and we reserve the right to take steps - including legal action - against any person or company who uses our website or services for commercial use or in any other unauthorised manner. Unauthorised use includes (but is not limited to) breach of copyright, processing multiple quotes for other customers or companies, and other companies checking their prices against those presented on this website.
iii. You are not permitted to do anything that may affect the security of our website or any information or material stored within it.
iv. You may not operate any link to our website without our first obtaining our written permission. Any such permission may be revoked without notice and we reserve the right to require you to remove any link immediately and at any time.
We will provide you with quotations based on the information you have provided to us. Where we ask questions to help source quotations, you are responsible for:
a) In order to accept a quotation provided by us you will need to link to the underlying insurance company website and retrieve your details or, where applicable, contact them by phone.
b) Before purchasing a policy it is extremely important that all the information the insurance company holds on you is accurate. You should therefore ensure that all information you provide to us is complete and accurate. Neither we nor any insurance providers will check this information for you. Again, failure to do this may lead to your insurance being invalid or an increase in the cost of that policy.
c) It is important that you read the insurance company's terms and conditions to check that you understand and agree with them. The insurance company's terms and conditions are not the same as ours and they will be the terms you agree to when you accept a quotation.
d) It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply. Failure to comply with the insurer's terms and conditions could invalidate your policy.
e) You should also check that all your details on the policy documents are correct, including any assumptions that may have been made on your behalf by the insurer. If the information supplied by you is not correct, it is your responsibility to notify the insurance company. Failure to inform the insurer of any errors or missing information could invalidate your policy.
a) You must keep your password confidential and it must not be disclosed to or shared with anyone. You are solely responsible for all use of your account on our website.
b) Where you provide information about any other individual (e.g. a named driver) you are confirming to us that you have their authority to do so.
c) You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. 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 it.
i. any losses you suffer to the extent that they have been caused by errors in our price comparison technology; and
ii. any claim you may have against us for a personal injury or in respect of your death if caused by our negligence; and
iii. any statements made by our employees to you which are not true statements of fact and which are made by that employee with fraudulent intent; and
iv. any statements made by our employees to you which are misleading or untrue.
v. Except in the case of (ii) or (iv) above (where our liability to you is unlimited), our liability to you will be limited to the upper level of our insurance limit which may vary from time to time.
We are not responsible to you for:
i. any reliance that you may place on any material or commentary posted on our website. Please note that nothing contained in our website or the material published on it is intended to amount to advice on which you should rely; or
ii. any losses you suffer because the information you put into our website is inaccurate or incomplete; or
iii. any losses you suffer if the information you put into our website is accurate but the insurer's website has not accurately reflected that information because its system is not working correctly; or
iv. any losses you suffer if you misrepresent any fact which may influence the insurer's decision to accept the risk or the terms offered; or
v. any losses you suffer because you cannot use our website at any time; or
vi. any losses you suffer through connecting to any linked third party websites or any statements, information, content, products or services that are published on, or may be accessible from, any linked third party website and we do not guarantee that they are free from viruses or anything else that could be infectious or destructive; or
vii. any errors in or omissions from our website; or
viii. any losses you may suffer by relying on any commentary, postings or reviews (of our services or that of our partners) on our website; or
ix. any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it; or
x. the privacy policies and practices of other linked third party websites, even if you access them using links from our website; or
xi. any unauthorised access or loss of personal information that is beyond our control.
How do you do this?
You can write, telephone or email us at the following:
Imperial House, Imperial Way,
Newport, Gwent, NP10 8UH
Telephone: 01633 654 019
Please note that our office opening hours are Monday to Friday 9am to 5pm, excluding bank holidays. Calls may be recorded for training, quality and monitoring purposes.
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 process for dealing with complaints, which outlines how we will handle your complaint both promptly and fairly, is available on request or by clicking here. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS).
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. If you are eligible to claim from the FSCS, compensation is available as follows:
Further information about compensation scheme arrangements is available from the FSCS by calling 0800 678 1100 or 020 7741 4100 or by visiting their website www.fscs.org.uk.†
This policy has been developed because we want you to feel confident about the privacy and security of the personal information you enter on our website. We follow strict security procedures in the storage and disclosure of your information as required by law. Our security procedures mean that we may ask for proof of your identity before we will disclose information about you, or to you, be this on our website, via email, or over the telephone.
The data controller is Gocompare.com Limited registered in England and Wales (Company number 5799376) and our registered address is Imperial House, Imperial Way, Newport, Gwent NP10 8UH.
We comply with and are registered under the data protection laws in the United Kingdom and take all reasonable care to prevent any unauthorised access to your personal data. Under the terms of the Data Protection Act 1998 you have a number of rights. If you require a copy of the information we have concerning you, please write to the Data Protection Officer and enclose a cheque for the administration fee of £10.00 made payable to Gocompare.com. We are entitled to charge you this fee to cover our administrative costs.
We may, where it is necessary to provide you with our services, collect data from you which is considered as sensitive personal data under the Data Protection Act 1998, and to pass that data to our insurance partners so that they can provide a quotation to you. Sensitive Personal Data may take the form of criminal convictions or your medical history. By continuing to use our website you consent that you are happy for us to do this. If you are not happy, you may stop using our website at any time.
We, or our nominated sub-contractors, may use your data to carry out research that can assist us in improving our website and the services that we offer.
We will carry out analysis and research using your data in order to prevent or detect fraud. Where we feel it is appropriate to do so, we may share your data with the Insurance Fraud Bureau (IFB) and, if necessary, the police. Those bodies may utilise that data to investigate or combat fraud. Please also see the section entitled Device Reputation.
We will utilise some of your data for the purpose of validating the sales data provided by our insurance partners and some third parties.
The Data Protection Act 1998 requires that we do not transfer your data outside of the EEA without first obtaining your consent to do so. We will not, unless strictly necessary, transfer your data outside of the EEA (and where possible the United Kingdom).
However, where it is necessary for the provision of essential support services some processing may be undertaken by a nominated sub-contractor outside of the EEA. In these limited circumstances the processing will be restricted, both in scope and with regard to the period of time that your data can be accessed, for the sole purpose of carrying out those specific support services. Your use of our services will be considered to be an indication of your consent to this transfer.
After completing an application online via our website, you agree that you will receive an initial email from us. This email will confirm you have used our website and that your quote has been saved for you. We will also send you a reminder when your renewal is due together with an indication of what your quotes could be for your next renewal. You cannot opt out of receiving these emails.
We and other Group companies† may use your information to keep you informed by post, telephone, SMS or email about current and new products, services, offers and promotions which may be of interest to you. We, or a carefully selected third party may also use the information you supply to perform market research, contact you to ask for your feedback or to remind you when your renewal date is due. Your information may also be disclosed and used for these purposes after your policy has lapsed.
We utilise a third party software and storage solution to analyse the information that you have provided to us in order to ensure that the marketing that you receive is as relevant and beneficial to you as possible. We retain full ownership of your information and ensure that it is secure at all times.
If you are not happy for your data to be used in this way, you can unsubscribe to remove your details from our contact list. If you have further queries with regards to your personal data, please feel free to email us on email@example.com or write to us at:
Imperial House, Imperial Way,
Newport, Gwent, NP10 8UH
Telephone: 01633 654 019
Calls may be recorded for training, quality and monitoring purposes.
As well as ensuring that any marketing material that we send you is appropriate to your needs, this process also ensures that our services continue to be as personalised and customer-focused as possible. (We will only use third party data where the third party can show that the data was collected and processed with consent).
PLEASE NOTE that some insurance companies exchange information through various databases, including the Claims and Underwriting Exchange (CUE) which holds a record of incidents reported to insurers, which may or may not have given rise to a claim. This exchange of information enables insurance companies to verify the information that is provided during the quote process (including information about any third party who is named on the policy), and also helps to prevent fraudulent claims.
Please also refer to the section on insurance provider credit searches below.
These insurance credit checks are registered as general insurance searches and may be viewed by other companies when you apply for credit or insurance. These searches should not harm your credit profile or adversely affect your credit profile.
PLEASE REMEMBER that while we do not carry out credit searches on our website, our partners may do so at any stage of the quote, renewal or purchase process. This may happen regardless of whether you get a quote via the internet or phone for any of these services.
PLEASE NOTE every application you submit for a loan or credit card may affect your credit scoring so you may wish to restrict the number of applications you make to reduce the effect on your credit rating.
If during the quote process you tell us that you are you happy to be contacted, you agree that your details may be used by the top two competing service providers who provided you with the cheapest quotes to contact you with a view to seeing if you are interested in purchasing the quoted product.
Please note that the companies contacting you are solely based on the cheapest price retrieved not exclusively based on the cover you selected. They are only entitled to contact you regarding the particular quotation and for a limited period of time only. Some insurance partners may also contact you by telephone if you click through to their website to help you with any queries you may have, regardless of their position in the results.
If you click through to a third party website from our website, we cannot guarantee you will not be contacted by those parties. We recommend that you read their terms & conditions regarding your right to opt-in or opt-out of receiving further contact from them.
Most websites will send a confirmation email once a quote has been completed on their website but we have put contractual safeguards in place to prevent our insurance partners from sending you unsolicited emails or making unsolicited phone calls. Please let us know if you experience any problems.
For this purpose, a cookie file or flash storage token may be placed on your device to identify it in the future when you visit our website. When you complete a quote through our website, we will transmit that device identification code to the third-party's server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as its IP address and city, all of which are used to confirm device identification. We also report to the third-party if we conclude that a device has been used in connection with fraudulent or abusive activity with us or our insurance providers. If you set your browser or device to reject these cookies or tokens, our site will not function as intended and you will not be able to use or access many of the services we provide. We share with the third-party referenced above only information about the device you are using, which may also have been used or appropriated by others and do not identify you or reveal the details of your transaction to that third-party. If you have questions about our use of this device reputation service, please email us on firstname.lastname@example.org.
ii. If relevant, your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers' Bureau. The MID may be accessed by the Police in order to establish who is insured to drive a vehicle. If you are involved in an accident (in the UK or abroad) other UK insurance companies or the Motor Insurers' Bureau may search the database to ascertain relevant policy information. Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain certain information which is held on the MID. You can find out more at www.mib.org.uk.†
iii. Should you decide to complain about the service we have provided to you, we may be obliged to forward details about your complaint, including your personal information, to the relevant ombudsman. You can be assured that they are similarly obliged to adhere to data protection legislation and to keep your information strictly confidential.
i. Website security
We use the industry standard secure sockets layer (SSL) 128-bit encryption technology to ensure that all your personal and transactional information is encrypted before transmission. To check that you are in a secure area of our website look at the bottom of your browser and you will see a closed padlock. All this technology and our policies are to safeguard your privacy from unauthorised access or improper use and we will continue to update these measures as new technology becomes available.
ii. Third party site security
If you use links on our website that lead you to external websites (including when you link through to purchase a policy), we will have no control over the way your information will be processed. As other websites may handle your information in a different way, we recommend that you check the privacy policies of each website that you visit.
In order to provide you with maximum protection, we ask you to choose a password to access your data on our website. In many instances, this password will also access the quotes we find for you on the web. Some providers might allocate you a different password, which we will send you information about. Your password is unique to you and helps us to protect your personal information. You must keep this password safe and must not disclose it to anyone. You will need your password to access your personal information and potentially to buy cover through one of the insurance providers. Please contact us if you want to change your password for any reason.
If you forget your password don't panic! Simply click on forgotten password.
Please be aware that communications over the Internet, such as emails/webmails, are not secure unless they have been encrypted. Your communications may route through a number of countries before being delivered - this is the nature of the Internet. We cannot accept responsibility for any unauthorised access or loss of personal information that is beyond our control.
ii. You may print, download or store extracts from our website provided always that:
iii. We reserve the right to change these Terms and Conditions from time to time and without notice. You should therefore check these Terms and Conditions each time you visit our website.
iv. If any part of these Terms and Conditions is subsequently considered to be illegal, invalid or unenforceable then that provision should be treated as having been deleted without affecting the validity of the remaining terms.
vi. These Terms and Conditions are subject to the laws of England and Wales and the exclusive jurisdiction of their Courts.