Terms & Conditions

Last Updated: 03/07/2025

1. About These Terms

These Terms and Conditions ("Terms") govern your use of the SimplifiedCoverage.co.uk website and services. By using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our services.

2. Our Services

What We Do

• Provide information about insurance products
• Connect you with FCA-authorized insurance providers
• Offer educational content about insurance options
• Generate leads for insurance companies

What We Don't Do

• Provide regulated financial advice or recommendations
• Sell insurance policies directly
• Act as an insurance broker or intermediary
• Guarantee the accuracy of third-party quotes

3. Using Our Website

Acceptable Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You must not:

• Provide false or misleading information
• Use automated systems to access our services
• Attempt to interfere with our website's operation
• Copy or reproduce our content without permission
• Use our services for fraudulent purposes

Age Restrictions

You must be at least 18 years old to use our services and request insurance quotes.

4. Information You Provide

Accuracy

You are responsible for ensuring that all information you provide is accurate, complete, and up-to-date. Inaccurate information may affect the quotes you receive and any insurance policies you subsequently purchase.

Consent to Contact

By submitting your details, you consent to being contacted by us and FCA-authorized insurance providers about insurance products and services that may interest you.

5. Third-Party Services

Insurance Providers

When you request to be connected with providers, we pass your information to FCA-authorized insurance providers. Your relationship with these providers is governed by their own terms and conditions, not ours.

External Websites

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites. You access them at your own risk.

6. Quotes and Pricing

Information Accuracy

Information displayed on our website is provided by third-party insurance providers. We do not guarantee its accuracy. Final premiums may vary based on full underwriting assessment by the insurance provider.

Information Validity

Product information has limited validity periods set by the insurance providers. We recommend proceeding with applications promptly to avoid changes.

7. Commission Disclosure

8. Privacy and Data Protection

Your privacy is important to us. Please read our Privacy Policyto understand how we collect, use, and protect your personal information.

9. Intellectual Property

All content on our website, including text, images, logos, and design, is owned by us or our licensors and is protected by copyright and other intellectual property rights. You may not reproduce, distribute, or modify our content without written permission.

10. Limitation of Liability

Service Availability

We aim to keep our website available 24/7, but we cannot guarantee uninterrupted access. We may suspend services for maintenance or updates without notice.

Liability Limits

To the fullest extent permitted by law, we exclude all liability for:

• Losses arising from your use of our website
• Inaccurate information from third parties
• Technical issues or website downtime
• Actions of insurance providers or other third parties

11. Indemnity

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Termination

We may terminate or suspend your access to our services at any time without notice if you breach these Terms or engage in unlawful activities.

13. Changes to Terms

We may update these Terms from time to time. We will post any changes on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the English courts.

15. Complaints

If you have a complaint about our services, please contact us using the details below. We will investigate and respond within a reasonable timeframe.

16. Contact Information