Terms and Conditions

Introduction

Your use of this website is subject to these terms and conditions of use (“Terms of Use”) and by using the website you agree to be bound by them. If you do not accept these Terms of Use, please do not use the website. You are required to read this important information carefully before you proceed any further with access to this website. The owners of www.insuremystuff4less.com reserve the right to change or update these terms without notice.

Ownership

This website www.insuremystuff4less.com is owned and operated by i-Wonder Aggregator Services Limited, Company Registration number 6742731

Fair Competition

A number of products are or may be featured on www.insuremystuff4less.com, however, no preference or bias is given to the promotion of any products within the price comparison service.

Copyright

www.insuremystuff4less.com includes a combination of content created by us as well as our selected affiliate companies. All materials published on this website, including but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, sound or video clips and flash animation are protected by our copyrights and or trademarks and those of our affiliate companies. While a visitor may print or download information from this website for personal use only, the owners of www.insuremystuff4less.com reserve all of its rights and strictly forbid any unauthorised use or distribution of the content of this website, in whole or in part, for any commercial purpose whatsoever. Visitors to this website must not associate www.insuremystuff4less.com directly or indirectly with any other website, product or service. Exceptions to the above are only available in writing from the site owners.

Terms and Conditions for the use of www.insuremystuff4less.com and our Disclaimer

General – The text and articles published on www.insuremystuff4less.com represent the personal and subjective views of the Webmaster and other contributors and is for information purposes only. It should not be construed in any way as “financial advice” with respect to the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional financial advice before purchasing any insurance product or entering into any binding contracts with third party companies hyperlinked to or otherwise advertised on this website. You should also read the Policy Document(s) relating to any insurance product you are considering purchasing, to ensure that product meets your needs. www.insuremystuff4less.com does not advise on contracts of insurance, we only provide general information on those subjects as well as links to third party companies and their websites by way of advertising and for your convenience. Any reliance you place on any material published on this website is entirely at your sole risk.

Status – www.insuremystuff4less.com is an online insurance resource directory for advertising and an insurance price comparison service. We provide free consumer access, at the point of introduction, to companies which both choose to advertise with us and or participate in our price comparison service. Neither www.insuremystuff4less.com nor its management or employees accept any responsibility or any liability whatsoever, for the terms applying to an insurance product purchased from a third party via a link on this website, or for any complaints relating to those services or products.

Third Party Links – www.insuremystuff4less.com contains hypertext and image links to websites operated by third party companies and as such these websites are not owned, operated, controlled or maintained by www.insuremystuff4less.com or its owner. While we make every effort to ensure the websites we link to are reputable, www.insuremystuff4less.com is not responsible for the availability, content, policies, or practices of linked websites. Links to other websites are provided for your convenience only and you access them entirely at your own risk. You should familiarise yourself with the terms and conditions of any third party websites you choose to visit. The inclusion of any third party content on www.insuremystuff4less.com or a link to a third party site is not an endorsement of that third party website, its products or services. www.insuremystuff4less.com does not recommend, sell, resell or license any of the products or services accessed via third party links and we disclaim any and all responsibility for any liability related to those products or services. Your correspondence or related activities with third parties, including payment transactions, are solely between you and that third party. You agree that www.insuremystuff4less.com will not be responsible or liable for any loss or damage of any kind incurred as the result of any of your transactions with third parties. Any questions, complaints or claims related to any product or service should be directed to the appropriate third party company.

Accessibility – www.insuremystuff4less.com is intended for use solely by residents of the United Kingdom (this excludes the Channel Islands and the Isle of Man). Whilst every care and all reasonable steps are taken to ensure this website is always accessible we will not be held liable if, for any reason, the website is unavailable for any period. We may also have to temporarily suspend access to the website for maintenance but we will try to keep any disruption to a minimum. In addition we cannot guarantee that this website will be free of viruses or defects of any description and we will not be held liable for any technical problems you may suffer as a result of your use of this website.

Accuracy and Validity of Information – Whilst www.insuremystuff4less.com takes all reasonable steps to ensure that the information generated by ourselves and contained within this website is accurate and up-to-date, it is nonetheless supplied on an “as is” basis and accordingly we do not accept any liability whatsoever for any errors, omissions or inaccuracies. Furthermore www.insuremystuff4less.com does not accept any liability for errors, omissions or inaccuracies in the content provided by third party affiliate companies. If you are in any doubt as to the accuracy or validity of information made available on this website we strongly recommend you seek verification by contacting us or the appropriate third party company.

Warranty Disclaimer – We do not represent nor make any warranty in respect of the accuracy, reliability or supply of any of the services or information presented on this website. The services and information presented on this website is for general information only and is not intended to meet your specific personal requirements. We hereby disclaim any and all warranties, express or implied, to the extent permitted by the applicable laws of England.

General Disclaimer – To the fullest extent permitted by applicable laws of the United Kingdom, www.insuremystuff4less.com hereby excludes liability for any claims, loss, or damages of any kind with respect to the service, information and materials given on this website including, but not limited to, direct, indirect, incidental or consequential loss or damage, whether arising from loss of profits, loss of revenue, loss of data, loss of use or otherwise, whether the possibility of such loss has or has not been notified to www.insuremystuff4less.com. The above shall apply whether such claims, loss or damage arises in tort, contract, negligence, under statute or otherwise.

Your Responsibilities

We will provide you with a quotation based on the information you have provided to us. You are responsible for answering any questions or assumptions you may agree to honestly, completely and to the best of your knowledge; failure to do so may lead to your insurance being invalid and claims may not be paid. If your insurance is invalid, you could also be liable for any third party costs in the event of an accident.

In order to accept a quotation provided by our price comparison technology, you will need to link to the underlying insurance company website and retrieve your details to accept the policy or, where applicable, contact them by phone. Before accepting a policy it is of the utmost importance that all the information the insurance company holds on you is accurate. It is therefore important that you carefully read through the information on the insurance company’s website to check that it is correct and that you have answered all questions honestly and to the best of your knowledge. Neither we nor the insurance company checks the information you input into our price comparison website so you must check it. If your information is not correct, or if you have misrepresented any fact which may influence the insurer’s decision to accept the risk or the terms offered, your insurance may be invalid and claims may not be paid.

As part of the evaluation process our insurance partners may conduct a general insurance credit search. These searches may be viewed by other companies when you apply for credit or insurance but shouldn’t harm or adversely affect your credit profile. If you have any concerns regarding a credit search then you should email our customer service team. If you would like further information on this then please read the section of our Privacy Statement entitled ‘Credit and other searches’

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 which you will be agreeing to when accepting a quotation.

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. Particular attention must be paid to any terms and conditions as failure to comply with them could invalidate your policy. In addition, you should check that all your details on the policy documentation are correct, including any assumptions that may have been made on your behalf by the insurer. Failure to inform the insurance provider where you are aware of any errors or omissions could invalidate your policy.

If the information supplied by you is not correct, it is your responsibility to identify the mistake on the insurance company’s website. We do not accept any responsibility to you if your insurance is invalid because you made a mistake in providing the correct information or if you misrepresented any relevant facts to us or to the insurer.

Prevention of Insurance Fraud

At www.insuremystuff4less.com, we take the issue of insurance fraud very seriously. To protect our customers and guard against insurance fraud, we will actively monitor the information entered on our website and pass on intelligence of suspected fraud to other parties such as the Insurance Fraud Bureau.

Examples of activities that would be considered to be fraudulent include:

  • deliberately and dishonestly failing to answer questions honestly and to the best of your knowledge, or misrepresenting any fact which may influence an insurer’s decision to accept the risk or the terms offered
  • deliberately incepting a policy with an intent to claim

Fraudulent customers may be prosecuted and even face a custodial sentence. Insurance fraud is recorded and may make financial services harder to access in future. The illegal proceeds of fraudulent claims are often used to fund other more serious crimes and in some cases to fund terrorist organisations.

If you wish to report any insurance-related suspected fraudulent activity, free of charge and in confidence, please call the Insurance Fraud Cheat Line on 0800 442 0421, or visit www.insurancefraudbureau.org for further details and guidance

Privacy Policy and Data Protection

Please note that we collect, store and process personal information through our websites, mobile applications or other similar devices. We do not however pass this information on to third parties outside of www.insuremystuff4less.com other than for gaining a quotation and for contact purposes (to discuss your quotation), on your behalf, from the panel members participating in our price comparison service. It is your responsibility to check that all information you provide is correct, complete and not misleading.

If you are providing us with another person’s data you should also ask them to read this Privacy Statement and by providing this information you are confirming that you have their consent to do so.

To provide you with an accurate quotation we may need to collect information defined as sensitive personal data for example criminal convictions. By obtaining a quote you are confirming your explicit consent to this information being processed

Third Party Companies and their websites advertised by means of hyperlink, text or image on www.insuremystuff4less.com may collect and/or store information about you in order to process your insurance quotation request and or for marketing purposes. If you do not wish to receive marketing communications from these partner companies, please refer to the appropriate privacy policy of the relevant organisations. This information is subject to the terms of the General Data Protection Regulation in accordance with that Company’s Data Protection Policy and as such is not under the control of www.insuremystuff4less.com. I-Wonder Aggregator Services reserve the right to contact you about other products provided by www.insuremystuff4less.com.

If you no longer wish to be contacted by us or should you wish to amend your marketing preferences this can be done at any time by emailing us at privacy@i-wonder.co.uk.

Any marketing emails we send you will explain what to do if you wish to unsubscribe.

If you no longer wish to be contacted by our Insurer Partners, please review their privacy policies for further information about unsubscribing.

Our lawful bases for processing your data are:

  1. Consent: you have given clear consent for us to process your data and we will only do so for the specific purpose provided
  2. Legitimate interests: our legitimate interests for processing your information are:
    • To provide quotations from our insurer partners
    • For contact purposes to discuss the quotations provided and to send you email confirmation of your quotes. We may also send you information about products and services that may be of interest provided you have given us permission to do so via email, telephone, post and SMS
    • To understand how you use our website in order for us to improve your experience
    • To track and monitor sales
    • To undertake statistical analysis on a personal or aggregated basis

Under Data Protection legislation you have the following rights:

The right to be informed; we will provide clear and concise information about we do with your data.

The right of access to personal data; you can request copies of your personal information from us.

The right to rectification; you can have your personal information rectified if it is inaccurate or incomplete.

The right to erase; you have the right to be forgotten and can request that we delete or remove your personal information from our systems.

The right to restriction of processing; you have the right to stop us from using your personal information or limit the way in which we can use it.

The right to data portability; you can request that we move, copy or transfer your personal information to another data controller in a safe and secure way.

The right to object; the right to object to our use of your personal information including where we use it for our legitimate interests.

We will only retain your personal information for the time necessary to fulfil the purposes outlined in this Privacy Policy or until you request it is deleted. Exceptions will be made if required or permitted by law.

You can view our full Privacy Policy here.

Viruses, Hacking and Other Offences

You must not misuse this 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 this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately.

We will not be liable for 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 this website or to your downloading of any material posted on it, or on any website linked to it.

i-Wonder Aggregator Services Ltd. cannot warrant that this website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this website.

Complaints

We set ourselves very high standards and look to provide these high standards in everything we do, but we also know there may be occasions when you feel we have not achieved this. In these rare cases we want you to tell us as this is the only way we’ll be able to improve our service. How do you do this? Well, you can write, telephone, fax or send an email to us and we will look to resolve the matter as quickly and as fairly as possible.

i-Wonder Aggregator Services Ltd.
3 Warren Farm Barns,
Micheldever,
SO21 3FL

Telephone 02380 175134
Email: feedback@i-wonder.co.uk

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. If you are still dissatisfied then you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS).

© Copyright 2013 i-Wonder Aggregator Services Ltd. All rights reserved.