Terms & Conditions

1. Introduction

1.1 These terms and conditions explain our services to “You” as our client and your obligations to “Us” (LifeCoverComparison.co.uk also referred to as “We”).

1.2 The use of the LifeCoverComparison.co.uk Website is subject to the terms and conditions set out below. Please take a moment to read these terms and conditions carefully. By using or accessing any of the LifeCoverComparison.co.uk Website, you agree to be bound by the following terms and conditions.

1.3 These terms and conditions (“Terms”) apply to all and any use of the Website.

1.4 By using the Website you agree to be bound by these Terms.

1.5 If you do not accept these Terms you should not use the Website.

1.6 LifeCoverComparison.co.uk may make alterations to these terms and conditions from time to time and these variations shall become effective immediately.

1.7 By using the Website you undertake that you have the necessary hardware, software and capability required for email and web usage with all and necessary adequate protections in place.

1.8 We cannot accept responsibility for you failing to read them.

2. Service

2.1 We provide through third parties a variety of services by phone, internet, and other means. These may include acting as a life cover broker, an introducer to life cover companies or other third party offers relating to your application.

2.2 When you ask Us to provide you with a service, you agree to abide by these terms. We acknowledge your instructions expressly or by acting upon them. You can only withdraw or vary your instructions with our consent. We accept no liability or obligation to any third party whether or not You may be acting as their agent, fiduciary or intermediary. We are entitled to act on any oral or written instructions We receive from You or anyone We believe is authorised by You to give them.

2.3 When acting as a life cover broker we seek to get a life cover company to offer you a competitive quotation. We act as your broker. We seek to match your life cover application with one or more of the companies we deal with. We do not act on behalf of these companies or represent them. For your protection we require the documentation covering any life cover policy agreement to meet statutory and regulatory safeguards laid down by the Consumer Credit Acts 1974 and 2006. If you would like to know more about the protections and remedies provided under those Acts please contact your local Trading Standards Department.

2.4 The life cover companies decide whether to approve your applications, how much life cover is offered, on which terms and on what evidence of ability to cover the cost of your premiums. Where we give examples they are only illustrations. We do not warrant that examples are the actual rates and amounts because the life cover companies decide whether to give approval for any life cover and on what terms according to your specific circumstances.               

3. Intellectual Property Rights and copyright

3.1 The copyright and material on this website is owned by LifeCoverComparison.co.uk and is protected by the copyright laws of the United Kingdom. The material on this website may only be used by those who access it from the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of LifeCoverComparison.co.uk. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action.

3.2 LifeCoverComparison.co.uk disclaims all liability which may result from any unauthorised reproduction or use of the information on this website.

4. Liability

4.1 LifeCoverComparison.co.uk shall not be liable for any direct or indirect, special, incidental or consequential damages, including the loss of profits, business revenue or goodwill arising from the use or access of or inability to use or access, interruption or availability of this website, its operation or transmission, computer viruses, loss of data or otherwise in respect of its use.

4.2 Any exclusions or limitations or restrictions of liability contained in these terms and conditions of use and access of this website shall be subject to the qualification that nothing contained in any such exclusion or limitations or restrictions of liability shall operate to exclude or restrict any duty or liability of LifeCoverComparison.co.uk to any person which it has under the Financial Services and Markets Act 2000 or its amendments.

5. Fees

5.1 We do not charge any upfront fees for providing the service of acting as a life cover broker.

5.2 If we provide services other than acting as a life cover broker, we shall be entitled to charge a fee for those services.

6. Complaints

6.1 We operate an online complaints procedure. If you wish to make a formal complaint, please send your complaint via email to complaints@lifecovercomparison.co.uk. We will issue our final response to you within 8 weeks of us receiving your complaint. If you are unhappy with our response or have not received our final response after 8 weeks you may refer your complaint to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London. E14 9SR

7. Governing Laws

7.1 The terms and conditions of use of this website shall be governed by and construed in accordance with the laws of England and Wales.

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