Terms of Business - For Customers


For Customers
For Insurance Brokers

The QuoteRack website

This page sets out the terms upon which we agree to act for customers who use our web site. It also sets out some of your responsibilities. Please read it carefully. Please contact us immediately if there is anything in these Terms of Business that you do not understand or with which you disagree.

This site is owned and operated by QuoteRack Ltd ("QuoteRack"), registered in England and whose registered address is School House, St. Philip's Court, Church Hill, Coleshill, Warwickshire B46 3AD, U.K.

By using this site, you accept these terms of business. If you do not accept these terms of business, you must not use the site.

QuoteRack may change the terms of business at any time by posting changes on its site. You must review these terms of business regularly to ensure you are aware of any changes made. Your continued use of this site after changes are posted means you agree to be legally bound by these terms as updated and/or amended.

Our Products and Services

The QuoteRack service offers you, the visitor to the website the option to select from a range of insurance categories. Once the most appropriate category of insurance has been selected, you are able to complete a simple online form, giving your contact information and details about your individual insurance requirements. Once complete, this form is submitted directly to insurance brokers, agents and/or intermediaries who have indicated to QuoteRack that they may be able to assist with this specific type of insurance enquiry.

Once your details have been submitted to the most relevant insurance brokers, advisers, agents and/or intermediaries, QuoteRack plays no further part in the process. You will be contacted directly by any of the insurance intermediaries to discuss your individual requirements, as appropriate.

We do not offer advice on, or information about any insurance products or services. We do not recommend any insurance products. The QuoteRack service submits the information with which you provide us to one or more insurance intermediaries who may be able to offer products which are suitable to meet your demands and needs. We cannot guarantee that you will always be provided with an insurance quotation as this depends on the circumstances of each particular risk.

>All of the insurance brokers, financial advisers and intermediaries to whom your details may be sent are FCA registered and regulated.

Quotations

We do not provide insurance quotations. Quotations, if available, will be provided by one or more of the intermediaries to whom we submit your details.

You should ensure that the product information, advice and premiums quoted by any insurance intermediary are suitable for your personal or business circumstances.

Our Privacy Policy

Please refer to QuoteRack's Privacy Policy for full details about how and why we process personal data.

All information provided via the QuoteRack web site will be treated as confidential and only disclosed to insurance intermediaries on our specialist panels.

With a few exceptions, for example information requested by a court, a regulatory body, or information which is already in the public domain, we will not release the information you provide to us to any other party without your consent.

Complaints Procedure

We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations we are equally committed to dealing with any complaint in a thorough and professional manner.

If you wish to register a complaint please contact us in writing, addressed to The Company Secretary, QuoteRack Ltd, School House, St Philip's Court, Church Hill, Coleshill, Warwickshire B46 3AD

Law and Jurisdiction

These Terms of Business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business we both irrevocably submit to the exclusive jurisdiction of the English courts.

Copyright

All copyright, database rights and other intellectual property rights in all the material on the site including but not limited to site design, structure, page layouts, graphical images, search results and underlying software code (collectively the "Content") legally and beneficially belongs to QuoteRack and the relevant brokers, agents, intermediaries and related service suppliers. The brokers, agents and intermediaries own or license the rights to their own brand. Except for brokers’ intellectual property rights, QuoteRack owns and retains all rights to the rest of the Content.

Warranty disclaimer and limitation on liability

QuoteRack does not endorse or represent the accuracy, truthfulness or reliability of any information provided on or by means of the site. The Content is only for general information and use and is not intended to address your particular requirements or considered to be a recommendation of any kind by QuoteRack. The Service (as defined below) and the Content is provided on an "as is" and "as and when available" basis to users. You use the Service and the Content at your own risk.

QuoteRack advises users to satisfy themselves as to the exact type and nature of goods or services being offered or qualifications held by those persons, companies and other organisations whose goods or services may be displayed or referred to on the QuoteRack site. To the extent permitted by law, QuoteRack makes and you receive, no representations, warranties or conditions, express or implied, statutory or otherwise with respect to the Service and in particular the QuoteRack site or the Content including without limitation no representations, warranties or conditions of merchantability, suitability, fitness for a particular purpose, non-infringement of proprietary or intellectual property rights or otherwise.

QuoteRack strongly recommends that you seek advice from a qualified financial advisor before you make any financial investment.

No oral advice or written information including without limitation the Content given by QuoteRack or including without limitation any of its officers, directors, employees, agents, suppliers, providers or merchants will create a representation, a warranty or condition nor should you rely on any such information or advice. QuoteRack is unable to ensure or guarantee the security of any information transmitted over the Internet and we shall not be responsible or liable for any damages or injury that may result from transmitting such information.

IN NO EVENT WILL QuoteRack, OUR OFFICERS, EMPLOYEES, CONTRACTORS, SUBCONTRACTORS, SUPPLIERS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS OR ASSIGNEES BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, OR OTHER CONSEQUENTIAL LOSS FOR ANY USE OF THIS WEB SITE, OR USE OF ANY OTHER LINKED WEBSITE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH LOSS. THE TERM "LOSS" INCLUDES, WITHOUT LIMITATION, LEGAL FEES, ANY LOST PROFITS, BUSINESS INTERRUPTION AND LOSS OF PROGRAMMES OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM.

Neither QuoteRack nor its associated service provider organisations seek to limit or exclude liability for death or personal injury arising from their negligence.

Further, QuoteRack shall not be liable for any typographical or other errors or omissions in the Content.

All links that connect this site with other sites are provided solely for your convenience and information and QuoteRack does not endorse or recommend any such sites.

Force majeure

QuoteRack shall not be liable to you under these terms and conditions, for any loss or damage which may be suffered by you due to any cause beyond QuoteRack's reasonable control including without limitation any act of God, exceptionally severe weather, failure of shortage of power supplies, flood, drought, lightning or fire, strike, lock-out, trade dispute or labour disturbance, the act or omission of government, highways authorities, other telecommunications operators or administrations or other competent authority, war, military operations, acts of terrorism or riot.