Our Terms of Use

These Terms (together with the documents referred to in them) govern the use You may make use of Our Website, www.the-insurance-expert.co.uk ("Website"). Please read these terms carefully before You start using Our Website. If You do not agree with these terms; or if You are under 18 or if You are not a UK resident, You must NOT use this Website . By using this Website You are accepting these terms.

If You have any questions about these terms or have a general query, please get in touch. You can find out our contact details by clicking on this link: Contact Us.

INFORMATION ABOUT US AND OUR WEBSITE

The-insurance-expert.co.uk is a Website operated by The Expert Brand Ltd ("We" and "Us"). We are registered in England and Wales under company number 06825520 our registered office is:

The Expert Brand Ltd
Finsgate
5-7 Cranwood Street
London
EC1V 9EE

Our aim is to help You find the best best insurance product tailored to Your individual circumstances. From the information You provide on our website, we will consider Your requirements and will source our most suitable broker and arrange a telephone call. The broker will then be able to advise You of the insurance product that best suit Your needs.

Please be aware that it is very important that before You apply for any insurance product You carefully read the terms of the application form and any other relevant documentation which applies to the insurance policy. You must ensure that the insurance product matches Your requirements and that You agree to the terms of the insurance policy before You apply for any insurance product. We accept no responsibility whatsoever in the event that any insurance entered into or applied for by You does not meet Your requirements.

In the event that You decide to accept an insurance product recommended by a broker selected via the Website, the full insurance documentation and other relevant details will be sent to You by the broker and not by us. It is the responsibility of the broker to provide all relevant documentation to You and we can accept no responsibility in the event that You do not receive the documentation requested or expected.

We receive a fee and or commission from the broker who we refer You to. We retain the fee and or commission and we do not charge You for the service we offer via the Website.

ACCESSING OUR WEBSITE

We will always try to provide You with uninterrupted access to our Website, but we can not make any promises about this and may terminate, suspend or restrict Your access to our Website at any time.

CHANGES TO TERMS AND CONDITIONS

We may need to amend or change our terms and conditions from time to time. You will still need to agree to them, so You should regularly check this document when You use our Website. It is important that You do this because if You keep using our Website, We will assume that You have agreed to any changes that we have made to our terms and conditions.

INTELLECTUAL PROPERTY

We own or are the licensee of all intellectual property rights in our Website. This includes all software we use to run our Website and all the material published on it. You agree that we make our intellectual property available to You for Your personal use only. You must not copy, alter, modify, sell, distribute, publish or create a derivative work from any of the materials on our Website or create any links to it without first obtaining our written permission.

You retain ownership of all the personal information You submit on our Website. You grant us a perpetual, world-wide royalty-free licence to use, copy, distribute, publish and transmit such information but always in accordance with our Privacy Policy (which You can go to directly by clicking on this link Privacy Policy).

OUR LIABILITY

We use reasonable endeavours to ensure that the data on our Website is accurate and that our service is reliable. Like any other business, we try to correct any errors or omissions in Our Website as soon as practicable after being made aware of them. However, we can not provide You with any guarantee about this. We also can not guarantee that our Website or the data on it will be fault free, uncorrupted or free of viruses which may harm Your computer.

We do not seek to exclude or limit our responsibilities or liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, negligence, death or personal injury and also the responsibilities we have under certain legislation such as the Data protection Act 1998.

In all other cases, and to the extent that we are permitted to do so by law, We exclude all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on Our Website. We have no liability to You for, any liability for any loss or income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by You in connection with Your use, inability to use, or results of the use of our Website and any materials posted on it or any Websites linked to it.

YOUR LIABILITY

If You use our Website, it is reasonable for us to expect that You will adhere to these terms and conditions. If we think You have breached any of these terms and conditions or demonstrated inappropriate conduct when using our Website, we may take measures to terminate or suspend Your access to the Website. If Your use of our Website causes us to suffer any loss or damage, You shall be responsible for reimbursing these costs.

COMPLAINTS

Our aim is to at all times provide You with an excellent service. However, if You are unhappy with our service for any reason, please contact Our Customer Services Team at Our address given above, by telephone on 0870 140 4123 or by email at enquiries@the-insurance-expert.co.uk

If You do wish to contact us by telephone, our customer service help line is available Monday to Friday 9.30am to 7.30pm UK Time, all calls will be charged at national rates and Your call to us may be monitored or recorded. This is to help us to train our staff and improve our service to You. A recording will only be used under proper and careful supervision.

We will endeavour to respond to Your complaint, in writing, within 5 business days from receipt and we will inform You of the name or job title of the individual handling the complaint. If You are unhappy with any product or service that You have been introduced to through our Website, we recommend that You approach the provider of that product or service directly. If You require any provider's contact details, please contact our Customer Services Team who will be happy to assist.

TRANSACTIONS CONCLUDED THROUGH OUR WEBSITE

Our Website is entirely free to use. However, our Website contains links to other sites and resources provided by ourselves and or third parties which may offer You products or services for a fee. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from Your use of them.

It is up to You whether or not You chose to obtain products or services from our other sites or third parties through clicking on a link in our Website. However, if You do decide to do this, then You will be governed by their terms and conditions of supply and not by these terms. Accordingly we strongly suggest that You also read the terms and conditions of any of our other or third party Website that You may access through clicking on a link from our Website. We remind You that we can not be responsible or liable for the content, advertising, products services or the use You make of any third party Websites.

Your Rights:

If You do not agree with these terms or our Privacy Policy then You should not enter any of Your personal information on Our Website.

If at any time after You have provided personal information to Us and You want to object to Your personal data being used by Us, You need to let Us know by sending an email to us at enquiries@the-insurance-expert.co.uk We will endeavour to process Your request as soon as possible, but in some cases it may take us up to 28 days to process Your request.

Our Privacy Policy applies solely to information collected by us through Our Website. Please note that we are not responsible for what any third party provider or other third party offering goods and services via websites linked to or framed around Our Website may propose to do with any personal information that You may provide them. So please ensure that You also read their data protection and privacy terms and conditions very carefully before providing them with Your personal information.

If any part of these terms are found to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of these terms shall not be affected.

Any failure on our part to enforce any right will not constitute a waiver of such rights.

These terms and conditions replace any previous terms and conditions regarding the use of Our Website.

These terms and conditions are governed by and construed in accordance with English law.