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Terms and Conditions

Terms and Conditions

The terms and conditions set out below govern the use of our website, coverdirect.net. Please read these terms carefully and make sure you understand them before using our Website. You must not use this website if you do not agree to the terms and conditions, are under 18 or are a non-UK resident. By using this website, you agree to accept these terms and conditions.

This website is owned and operated by Cover Direct Ltd.
Registered in England and Wales, company number: 10291957.
Registered Office:
St Andrews House, 4400 Parkway, Whiteley, Fareham, Hampshire, PO15 7FJ.

Cover Direct and coverdirect.net are trading names of Cover Direct Ltd which is authorised and regulated by the Financial Conduct Authority.

This website is designed to provide you with information to help choose an insurance product that suits your needs. We do not provide any advice whatsoever, we provide you only with factual information. Nothing within the website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service.

By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. Please note that acceptance of your payment where possible on this Website does not constitute acceptance of your offer. You will receive confirmation when your offer has been accepted.

You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data you provide on this Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.

THIS SECTION IS VERY IMPORTANT BECAUSE IT SETS OUT YOUR RESPONSIBILITIES AND OUR LIABILITY TO YOU.

Before you obtain any product or service from a third party, you must check all of the information, content, material or data held by the third party about you to ensure it is correct, complete, accurate and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material or data held by the third party about you is not correct, complete and accurate or if it is misleading or if you have failed to disclose all relevant facts.

Please ensure you answer all questions on this website fully and accurately as incorrect or incomplete information now, or during the term of your policy, may invalidate your cover and could lead to a claim not being paid.

We may change these terms and conditions from time to time. You will need to agree to the latest terms and conditions every time you visit the website. You should check this document on each visit you make to our website. It is important to do this as if you keep using our website we will assume your agreement to any changes we have made to our terms and conditions. These terms and conditions were last updated on the 26th November 2017. Our aim is to always provide you with an excellent service. However, if you are unhappy with our service please contact us.

If you are unhappy with any product or service that you have been introduced to through our website, please contact:

Complaints Management Team,
Cover Direct Ltd
St Andrews House,
4400 Parkway,
Whiteley,
Fareham,
Hampshire,
PO15 7FJ

You are responsible for ensuring that you have appropriate virus checking software on your computer. We cannot guarantee that our website is uncorrupted or free from viruses which may harm your computer and are not responsible or liable to you for any loss or damage you may suffer in this regard where caused by any third party. We do not seek to exclude or limit any liability that cannot be limited or excluded under any applicable law. This includes our liability for things such as fraud, death or personal injury caused by negligence.

We shall not be liable to you for any loss of income, revenue, business, profits or contract, anticipated savings, data, goodwill or opportunity, direct, indirect or consequential loss or damage incurred by you in connection with any access, use, or inability to access or use our website where:

You have not complied with any part of these terms and conditions.

• "We are not in breach of a legal duty of care owed to you by us or by any of our employees or agents, or"

• "the loss or damage you suffered by our breach of these terms and conditions was not reasonably foreseeable, or"

• "the damage or loss was caused by events outside our control; or"

• "to the extent that you have contributed to your loss or damage by failing to act reasonably in the circumstances or by failing to take reasonable steps to mitigate your loss or damage."

If you use our website, it is reasonable for us to expect that you will adhere to our terms and conditions. If we think you have breached any of the terms and conditions, we may take appropriate measures to terminate and/or suspend your access to our website.

If your use of our website causes us to suffer any loss or damage, you shall be responsible for reimbursing us for any such loss or damage that we may suffer.

Additional terms and conditions apply to special offers such as cash back promotions and vouchers. These additional terms and conditions will be made available to you at the time any such offer is made. Any failure on our part to enforce any right will not constitute a waiver of such rights. These terms and conditions replace any previous terms and conditions regarding the use of our website. These terms and conditions are subject to English law and the exclusive jurisdiction of the English courts. If you have any questions about these terms and conditions or have a general query about the services that we provide, please get in touch.