Terms and Conditions

Get a Quote for Insurance and Money

OUR TERMS OF USE
These terms and conditions govern the use you may make of our website, www.CareandCompare.com (the "website"). Please read these terms carefully before you start using our website. By using this Website you are accepting these terms and conditions.
You must NOT use our website if:

  • You do not agree to these terms and conditions; or
  • You are under 18 (or under 17 in the case of motor insurance, or under 16 in case of moped insurance); or
  • You are not a UK resident.

INFORMATION ABOUT US AND OUR WEBSITE
CareandCompare.com is operated by Dr. Elaine Atkins T/A Care and Compare ("we", "us" and "our") which has the following registered address:
Care and Compare
c/o Peter Price Accountants Ltd.
Office 4, The Former Globe Hotel
Crane Street
Pontypool
NP4 6LY

Our website provides an insurance quote comparison service and internet directory via Seopa Limited.  We are not an insurance or financial broker. We allow you to use our website and access the quote comparison services free of charge to compare quotes from a number of insurers, finance companies and other sources. You shall be provided with the quotes obtained from these third party companies using the information you submit through the forms on this website. Not all the products will produce a quote comparison on-line; this is because the nature of the specialist products and variables affecting insurance can be quite complex and are best explored with a specialist advisor.  Our aim is for you to be matched with the most applicable provider and thanks to the quoting service provided by Seopa Ltd we are able to do that; hence as such, all of the specialist product quotations will be given as call-backs from the providers themselves.
 
If you wish to obtain insurance cover from one of these companies when you have been provided  with the quote comparison, you should contact the company direct. In most cases you shall be provided with a link to the relevant companies’ websites. You should check your details on the company’s website thoroughly before proceeding to accept a quote. If you choose to accept a quote from a third party obtained using this website, you will enter into a contract direct with the insurance company and the insurance company’s own terms and conditions will apply.
 
In order to reduce the number of fields you must fill in when you submit a request for a quote comparison a number of assumptions will be made about you. For example, it may be assumed that you do not have any medical conditions that could affect your insurance premium when you get quotes through the car and van insurance systems. The quotes obtained will be based on these assumptions. If you choose to accept a quote from a third party obtained using our website, you should check that the insurance provider has not made any inaccurate assumptions about you based on our request for a quote.
 
Whilst we give a brief, general description of all the products available via our website, we cannot offer tailored advice about those products and their suitability for your needs. Should you require tailored or specialist advice this website is not suitable for you and you should instead seek independent professional advice. Nothing in our website is, or shall be deemed to constitute, financial, investment or other advice or a recommendation or endorsement by us. The material we provide on our website is for your general information purposes only and you should not rely on it. It is your sole decision whether to obtain any product or service via our website and your sole responsibility to check the suitability, adequacy and appropriateness of the product or service that is of interest to you. In this respect, you should consider seeking independent professional advice before you obtain any product or service via our website.
 
Our service is free for you to use.

We donate 25% of the company’s profit to charity.  Care and Compare reserves the right to use any method to select any featured charity, for example, to coincide with charity campaigns.  

YOUR ACCESS TO AND USE OF OUR WEBSITE AND CONTENT
You may only use our website for personal or business purposes and you must not use this website:

  • for any fraudulent or illegal purpose.
  • on behalf of someone else such as to create, check, modify or amend another person's record or enquiry.
  • to harm, intimidate or harass, embarrass or defame another person, or in a way that invades another person's privacy.
  • to post any obscene or offensive material (as determined by us).
  • to tamper with, modify, reverse engineer or amend any part of this website in a way that interferes with our communications and technical systems (as determined by us) using any 'screen scraping' or automated software, process, program, system robot, web crawler, spider, data mining or trawler.

OUR WEBSITE AVAILABILITY
We will always try to provide you with uninterrupted access to our website, but we cannot make any promises about this and may terminate, suspend or restrict your access to our website at any time if this is required for security, legal or other reasons we determine.
 
OUR WEBSITE CHANGES REGULARLY
We make every reasonable effort to ensure that the content available to you on our website is up-to-date and accurate and for this reason, we may make changes to our website on a daily basis. Accordingly, it is not possible to notify you about any changes that we make to our website.
 
CHANGES TO THESE TERMS AND CONDITIONS
We may need to amend or change our terms and conditions from time to time. You will still need to agree to them, so you should check this document each time you use our website. It is important that you do this because if you keep using our website, we will assume that you have agreed to any changes that we have made to our terms and conditions.
 
INTELLECTUAL PROPERTY RIGHTS
The words ‘CareandCompare.com’ and logo are our trademarks. All other logos, trademarks and material we display on our website along with the software, knowhow and processes we use to run our website belong to Care and Compare or our licensors. This means all copyright, design rights, patents, inventions, trading names, service marks and trademarks, logos, domain names, moral rights, database rights, data, source code, software, specifications, know-how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this website are owned by or licensed to us. For the purposes of this section, we will call this "our".
 
You agree that we make our intellectual property available to you for your personal use only. We will allow you to use this intellectual property for your personal, non-commercial use including temporarily printing off one copy, downloading or storing extracts from our website on the condition that you:

  • comply with the all the terms and conditions of this agreement;
  • do not copy, alter, modify, reformat, sell, distribute or publish any of the material;
  • do not create any derivative works;
  • do not link to any part of our website without express written permission by us;
  • do not print or download any logos, trademarks, service marks or image except as part of the complete web-page of which they form a part;
  • acknowledge the status of us and our licensors' ownership of all such material in any printed off, downloaded or stored material.

We will allow you to print off one copy, and download extracts, of any page(s) from our website for your personal non-commercial use only. However, if you do this, our status (and that of any identified contributors) as the authors of the material must always be clearly acknowledged.
 
You retain ownership of all the material you submit or make available on our website. You grant us a perpetual, irrevocable, worldwide, royalty-free, transferable and unlimited licence to use, modify, copy, distribute, publish, transmit such information in any manner and for any purpose but always in accordance with our Privacy Policy.
 
OUR LIABILITY
THIS SECTION IS VERY IMPORTANT BECAUSE IT SETS OUT YOUR RESPONSIBILITIES AND OUR LIABILITY TO YOU.
 
You are responsible for keeping your username, password or other identification secure. If we ask you to complete a registration process when you use our website and this process includes the creation of a username, password and/or other identification information, your username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. If you disclose to or share your username, password and/or other identification information with anyone, you are solely responsible for all activities undertaken. If you are concerned that someone may have had access to your username, password and/or other identification information without your permission, please contact us immediately at our registered office address.

We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to keep your username, password or other identification secure.
 
You are responsible for ensuring any information that you provide us:

  • is correct, complete, accurate and not misleading;
  • does not infringe anyone's intellectual property rights or privacy rights;
  • does not violate any law;
  • is not harmful, fraudulent, defamatory or otherwise offensive.

If you provide feedback on our website or if we ask you to insert information about yourself or circumstances, you are solely responsible for ensuring that all information you provide is correct, complete, accurate and not misleading and that you disclose all relevant facts. We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.
You are responsible for ensuring that any third party that you may wish to contract with has the correct information about you. It is very important that you ensure that all the information held by the third party about you is correct, complete 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 from the third party. Failure to do so could invalidate the product or service provided by the third party and we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your failure to ensure such information is correct and not misleading.
You are responsible for ensuring that you understand and agree with the terms and conditions of the third party that will be providing the product or service to you before entering into that contract. These products and services are all provided by third parties and not us. If you apply for and obtain any product or service, you will be contracting with a third party that will be providing that product or service to you on their own terms and conditions. These websites are owned by third parties over whom we have no control. Further to that, the websites are subject to the third party's privacy policy and terms and conditions. Your access and use of these websites is at your sole risk and it is your responsibility to ensure that you understand and agree with the terms and conditions of the third party whose website you access or use. It is also your responsibility to understand and agree with the terms and conditions which relate to the specific product or service to you before enter into that contract. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of any third party website or in connection with any contract entered into by you with any third party in relation to any product or service.
You are responsible for making your own enquiries to check that the product or service that you want to apply for is accurate, complete and up-to-date and meets your needs. Our website contains certain information and descriptions about the products and services which you may apply for. This information may not provide a complete description of all the features, terms and conditions applicable to those products. Further, all of the information is provided by third party product or service providers and we do not monitor, verify or endorse the information and it may be inaccurate, incomplete or out-of-date. Although we use reasonable endeavours to ensure that the information on our website is reliable and try to correct any errors or omissions as soon as practicable after being made aware of them, it is your responsibility to check that such information is accurate, complete and up-to-date. Accordingly, we are not responsible or liable to you for any loss or damage you may suffer or incur in connection with the details we provide on our website with respect to any product or service provided by third parties which you did not check individually and/or do not meet your needs for any reason.
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 we 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 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.

 
YOUR LIABILITY
If you use our website, it is reasonable for us to expect that you will adhere to these terms and conditions. If we think you have breached any of these terms and conditions or demonstrated inappropriate conduct when using our website, we may take measures to terminate or suspend your access to the 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.
 
CUSTOMER SERVICE, COMPLAINTS AND CONTACTING US
Our aim is to at all times provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our customer services team (Complaints Handling) at complaints@careandcompare.com
We will endeavour to acknowledge receipt of your complaint, in writing, within five business days and we will inform you of the name or job title of the individual handling the complaint. We may combine the acknowledgement of the complaint with our final response, but in any event we aim to resolve complaints at the earliest opportunity.
 
Links to third parties
 
You may create a hypertext link to the homepage of this website at http://www.CareandCompare.com provided that such link is not used in a misleading or defamatory context. You may also create links to other pages forming part of the website. We do reserve the right to ask you to remove any links to our site and its pages or files at our own discretion. Links to other websites, advertisements for, or references to, other companies mentioned on our website are there for information purposes only. We have no control over and therefore do not accept responsibility for the content or accuracy of information contained within these third party sites, nor for the services offered by third party companies.
 
MISCELLANEOUS
 
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.