Terms & Conditions
BY CONTINUING TO USE THIS WEBSITE YOU ARE CONFIRMING THAT YOU ACCEPT OUR TERMS AND CONDITIONS SET OUT BELOW.
This website is provided by Easycover.com Limited, a company incorporated in England and Wales under company number 3984330. If you need any information or have a complaint about this website or any of our services please contact us by one of the following methods:
The Old Bank
247 Chapel Street
Easycover owns and operates a number of online brands and services and for the purposes of these standard terms the words "Quote" and "Quotes" also refer to Offers, Deals, Discounts, Savings and Prices as relevant to the online brand or service you are using.
1. Nature of the service
Through this website, Easycover.com Limited provides search services, quote services and links to other Quote Partners to enable visitors to the site to obtain and compare competitive quotes and prices for a range of services online. We act solely as an introducer and not a broker and any complaint about or remedy in respect of our Quote Partners should be addressed to the relevant Quote Partner although we are happy to accept feedback on our Quote Partners as this helps us to improve the service and our Quote Partner programme.
3. Quote Partners
Our Quote Partners and other third parties may occasionally promote their goods or services on this website or through our email services. Whilst we try to encourage our partners to offer good quality products and services at competitive prices we have no control over them or other third parties, we do not endorse the products or services they offer, or give you any assurance that they will be suitable for your needs. It is your responsibility to satisfy yourself in this regard and we have no liability in connection with the same.
4. Ownership of materials and licence terms
This website and the materials on it are protected by copyright, trade mark and other intellectual property rights and laws throughout the world and are owned by or are licensed to easycover.com Limited. You are permitted to display the materials on this website on a computer screen and to download and print a hard copy for your personal use provided you do not alter or remove any of the content or any part of the website and that you do not change or delete any copyright, trade mark or other proprietary notices.
You agree not to:
- use any of the materials on this website for commercial exploitation without our prior written consent;
- use any content or any part of the website for any purpose or in any manner that may give a false or misleading impression of us, our staff or services;
- establish a link to this website from any other website, intranet or extranet site without our prior written consent; or
- do anything that may interfere with or disrupt this website or our services.
5. Website availability
This website is provided free of charge and we make no guarantee that it will be uninterrupted or error free. We reserve the right to suspend or withdraw the whole or any part of the website at any time without notice and without incurring any liability.
6. Links from this website
We may, from time to time, provide links from this website to websites that are owned and controlled by third parties. These links are provided only for your convenience and we have no control over and will have no liability in respect of those websites.
Internet transmissions are never completely private or secure and there is a risk, therefore, that any message or information you send to us from this website may be intercepted and potentially read by others. Messages sent to us using our templates are encrypted for your protection. In all other cases, we will have no liability in respect of any transmissions you send to us and you do so entirely at your own risk.
8. Accuracy of information
We take care to ensure that all information available on our website about our services is accurate. However:
- our services are continually developing and, occasionally, the information we put on this website may be out of date. We reserve the right to change such information at any time. Any newsletters, blogs and other items offering guidance have been prepared for general interest only and are not a substitute for specific legal, financial or other professional advice and should not be read or used as such;
- information provided by our Commercial Partners is not checked by us and we have no responsibility for it. Any redress for such information should be made against the relevant Commercial Partner.
EASYCOVER.COM LIMITED DOES NOT WARRANT OR REPRESENT THAT THE MATERIAL ON THIS WEBSITE IS ACCURATE, COMPLETE OR CURRENT OR THAT THE WEBSITE WILL BE FREE OF DEFECTS OR VIRUSES.
NOTHING CONTAINED IN THE PAGES OF THIS WEBSITE SHOULD BE CONSTRUED AS LEGAL, FINANCIAL OR OTHER PROFESSIONAL ADVICE. DETAILED PROFESSIONAL ADVICE SHOULD BE OBTAINED BEFORE TAKING OR REFRAINING FROM ANY ACTION BASED ON ANY OF THE INFORMATION OR MATERIAL CONTAINED IN THIS WEBSITE.
10. Use of this Website outside England and Wales
Easycover.com Limited makes no claims or representations that any or all of the contents of this website may be lawfully viewed or downloaded outside the United Kingdom and, unless otherwise specifically stated, the contents and this website is directed solely at users who access this website from the United Kingdom.
11. Liability for our Commercial Partners and other third parties
We are not responsible for and have no liability for the actions or failure to act of our Commercial Partners or other third parties. Any complaints or claims you may have in respect of any information, product or service they provide or fail to provide should be made by you directly to them.
12. Liability for our mistakes
WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE (IN CONTRACT, NEGLIGENCE OR OTHERWISE) WHERE:
- THERE IS NO BREACH OF A LEGAL DUTY OF CARE OWED TO YOU BY US;
- THE LOSS OR DAMAGE IS NOT A REASONABLY FORESEEABLE RESULT OF ANY SUCH BREACH; OR
- ANY INCREASE IN LOSS OR DAMAGE RESULTS FROM A BREACH BY YOU OF THESE TERMS AND CONDITIONS
NOTHING IN THESE TERMS AND CONDITIONS EXCLUDES OR LIMITS OUR LIABILITY FOR FRAUDULENT MISREPRESENTATION OR FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE.??NOTHING IN THESE TERMS AND CONDITIONS SHALL AFFECT YOUR STATUTORY RIGHTS.
We reserve the right to change these Terms and Conditions at any time. The new version will be posted on this website and will take effect immediately upon posting. If you use the website after the new Terms and Conditions have come into effect any further use of the website indicates your agreement to be bound by the new Terms and Conditions.
14. Third party rights
Nothing in these Terms and Conditions is intended to nor shall it confer a benefit on any third party under the Contracts (Rights of Third Parties) Act 1999 and a person who is not a party to these Terms and Conditions has no rights to enforce them.
15. Governing law
These Terms and Conditions are subject to English law and each of us hereby submits to the non-exclusive jurisdiction of the English courts.
THE FOLLOWING INFORMATION EXPLAINS HOW THE QUOTE SERVICE WORKS. IF YOU HAVE ANY QUESTIONS CONCERNING THE SERVICE, PLEASE CONTACT US.
The information you provide
1. Answer a number of questions
In order to obtain quotes or a price for a service or product, you will need to answer a number of questions. The answers to these will be passed on to those of our Quote Partners that are able to provide the product or service you require. The answers you give will determine the price you will pay for the product or service should you choose to accept a quote or the price.
2 Provide accurate information
It is important that the information you provide is accurate and that you disclose all relevant facts as this could affect the price quoted for the particular product or service. Please note, if you provide inaccurate or misleading information and take up a quote based on the inaccurate/misleading information - your legal rights to enforce the contract are likely to be affected and, in the case of insurance, a claim could be denied and the insurance invalidated. In some cases, it is a criminal offence to be without insurance.
IF YOU HAVE ANY DOUBT AS TO WHETHER YOU SHOULD DISCLOSE SOMETHING, WE SUGGEST THAT YOU CONTACT THE RELEVANT QUOTE PARTNER BEFORE ENTERING INTO A CONTRACT WITH THAT ORGANISATION.
3. Providing information about others
4. UK residency only
Some products and services provided by our Quote Partners are only available to UK residents (which includes Great Britain, Northern Island and the Isle of Man - but not the Channel Islands). By asking for a quote through the quote.co.uk service, you confirm that you and any other person you name who will have the benefit of the quote if it is taken up, is a permanent UK resident.
5. Quote response times
In most cases you should expect to receive your quotes within minutes as they are obtained using a technology process rather than being reliant on people. However, we are dependent on third party computer and communications systems which may affect response times. Overnight requests may be delayed as the computer systems of our Quote Partners may not always be available during these hours. Some of our Quote Partners prefer to contact you directly, usually by email, and this may delay a response.
6. The quotes you receive
We obtain quotes for you from leading online providers and provide you with details ranked in terms of price. In addition to the pricing you will normally provided with details of key terms such as policy benefits, exclusions and excesses for example with insurance quotes. In some cases, for example where you require an unusual service or the product or service you want falls within a category of risk that our Quote Partners do not want to take on, you may receive few or no quotes through this service.
7. Checking your quotes
It is important that you check all the quotes you receive through this service to ensure that the information they hold about you and which they have used to provide your quote is correct (see also section 3 above). Each of our Quote Partners will have its own terms of business (which include making certain assumptions about you and the product/service you require). They may also have specific terms that will apply in respect of your quote. It is your responsibility to ensure that you understand and are willing to accept the terms of our Quote Partner(s) and any restrictions they may impose before you buy.
8. Pricing and price guarantees
Our Quote Partners change their prices from time to time. For some products and services, such as insurance, prices may change daily. When you apply for a quote through Easycover or a site owned or operated by Easycover, our Quote Partners will usually specify how long a particular quote is valid for.
9. How to accept a quote
To accept a quote from one of our Quote Partners, you will need to contact the Quote Partner direct quoting the reference provided to you through this service or from the particular Quote Partner. In most cases, you will be able to do this through a link from this website or our confirmatory email but some Quote Partners offer alternative methods. Your contract will be a matter between you and the relevant Quote Partner.
10. Amendments to information provided to Quote Partners
It is your responsibility to notify the provider of a product or service if any of the information they have about you changes. In some cases, a change in details could affect your legal rights to enforce the contract and, in the case of insurance, a claim could be denied and the insurance invalidated. In some cases, it is a criminal offence to be without insurance.
11. Quote Partners and use of your information
The Quote Partners that provide the best three quotes for the product or service you request may use the information we provide to them on your behalf to contact you by post, phone or email to let you know more about their product/service and facilitate your purchase. If you have not taken up the offer from a Quote Partner after 30 days, that Quote Partner will be required to delete the information we have provided from its records. No other Quote Partners will be allowed to retain or use the data you provide in any way.
12. Complaints about our Quote Partners
Our Quote Partners are chosen because they are experienced providers of the product or services you are seeking and we expect that they will provide good service to you. In the unlikely event you are not happy with the product or service they provide you should raise your complaint with the relevant Quote Partner directly or Contact Us using the link provided.