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The terms and conditions set out below detail how Expert Insurances can be used. If the Expert Insurances website hereinafter referred to as “the website” is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older and is a UK resident.

This website collects data from users and passes this information, unaltered, where applicable and after user approval to FCA authorised brokers or third parties who will provide users with life insurance quotations and comparisons or any other relevant products and services.

Expert Insurances
Alterations to these terms and conditions can be made on occasion and once published; these alterations will become immediately effective.

Expert Insurances makes no guarantees and is not responsible for:

– The accuracy or currency of the content of any third party material that appears on the website.
– The quality of any third party services that may be featured on the website.
– The content of any third party website that links from the website.

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from Expert Insurances. Expert Insurances is not authorised by the Financial Conduct Authority (FCA) regarding financial products and should not be regarded as a financial advisor. Information provided on this website should not be considered to be advice nor be recommending any course of action to the users.

If users are in any doubt about the most suitable product or course of action they should take in respect of their insurance needs, they should speak to an FCA authorised broker. Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of Expert Insurances.

Any entry into a third party’s terms and conditions are wholly separate to the terms and conditions undertaken when using the website. We recommend when entering into a third party’s terms and conditions, independent advice is sought.

Expert Insurances provides FCA authorised brokers with information about website users who wish to receive a comparison or quotation. This in no way suggests that Expert Insurances is recommending or endorsing the FCA authorised broker nor that there is an exclusive or partnership arrangement with the said FCA authorised broker.

Intellectual Property

The copyright and intellectual property (IP) rights of all of the material published on the website; website design; corporate identity; text and graphics; and all software compilations, source code and software belong to Expert Insurances. All rights are reserved.
Permission must be secured prior to the reproduction or redistribution of material from the website. Single printouts can be made for personal, non-commercial use. Adaptations or alterations to content from the website in addition to unauthorised links are also not permitted.
Expert Insurances owns the rights to the website. All other company names and products belong to their respective owners.
Information from the website must not be used for illegal or immoral use.

Liability Obligations

Expert Insurances does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the fullest extent allowed by law, Expert Insurances is not responsible for inaccuracies published on the website.
Expert Insurances is not responsible for any harmful effect on technology that may result from using the website nor does Expert Insurances give any warranty that the website is free from viruses. In addition, Expert Insurances is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.
Nothing stated within these terms and conditions excludes or limits our liability for fraud and personal injury occuring as a result of use of the website.

Termination of Agreement

Should any of the terms and conditions stated be breached, Expert Insurances has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.
All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.
Expert Insurances is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

General Information

The website is solely directed at those who access the website from the UK.
The website must not be used for business purposes.
Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.
Should Expert Insurances not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.
Use of the website and these terms are subject to the laws of England which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of England and the parties submit to the exclusive jurisdiction of the English courts.