Insure Now (“We, “us” or “our”) is a trading name of Commercial & General Limited which offers customers a range of niche products in relation to motor, home, pet and travel insurance, which can supplement and provide the customer with a wider range of cover than that provided by his/her existing policies and we aim to provide a saving to the customer which may be as much or more than the cost of the product offered by Insure Now. We have arranged these offerings of products and services which will be provided by the relevant insurer, distributor and or manufacturer of the product concerned in each case, (the “Product Provider” or “Service Provider”).
- Use of this web site
2.1 By using this web site you agree that:
2.1.1 Any information you provide to us and or to any Product Provider or Service Provider through this website, including any personal information (“Personal Information)”) is true, accurate, current and complete in all respects;
2.1.2 You will not impersonate any other person, or entity or to use a false name;
2.1.4 Will only use this website for your personal use and if a business user for the purposes of your business’ own insurance needs, and you will not in any way seek to commercially exploit any material and or information displayed on this website;
2.1.5 You will not do anything that affects the integrity or security of this web site or causes or may cause harm or unreasonable inconvenience to other users of this web site or us;
2.1.6 You will treat any login or security details and passwords as confidential and not disclose them to or share them with any other person;
2.1.7 You will not gather, extract, download, reproduce and/or display or advertise on any other web site, other online or off-line service or otherwise, any material on or from this web site, including but not limited to information relating to insurance prices, whether that information has been gained by the use of spiders, data mining, trawling or other “screen scraping” software or system used to extract data.
2.2 You confirm that you are a resident of the United Kingdom.
- Prohibited Uses
3.1 You may not use this website or any of its content:
3.1.1 In any way that breaches any applicable local, national or international law or in in any way unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
3.1.2 To harm or attempt to harm minors in any way;
3.1.3 to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect any computer software or hardware and or its use
3.2.1 Not reproduce, duplicate, copy or re-sell any part of our site;
3.2.2 Not access, interfere with, damage or disrupt in any way any part of our site;
3.2.3 Use the site or any of its content for your own or any other person’s commercial purposes.
- Purchasing Insurance Products / Services through this website.
4.1 You will need to answer a number of questions in order to obtain the cost for any product. These questions are designed to ensure that we and all relevant product providers have all of the information necessary to provide you with accurate and timely information relating to the products in which you are interested.
4.2 In the case of all insurances the level of cover and the amount you pay is determined by the answers you provide to those questions and therefore you should answer all questions truthfully and fully and to the best of your knowledge and belief. If you fail to provide complete and accurate information:
4.2.1 any insurance product purchased may be void (meaning you will not be able to make a claim); and/ or
4.2.2 You may have to pay an additional premium under your policy to reflect any increased insurance risk as a result (This will depend on the terms and conditions you have agreed with your product provider).
4.3 The products and services which are offered through this website are designed to offer insurance for the excess on primary insurance policies.
4.4 We do not offer or provide financial, investment or other advice in relation to any of these products and services, so if you consider making a purchase using this website you must decide whether it is suitable to meet your needs. Nor do we carry out any review of the available market for you.
4.5 We do not make any recommendation or endorsement and nor do we offer any financial or other guarantee in relation to the product providers whose products and or services you may access through this website.
4.6 Payments through this website: We have been authorised by the insurers whose policies we offer to act as their agent when receiving and holding premium payments and or refunds. This means that when we receive your premium in cleared funds that will amount to confirmation that your premium has been paid. In the case of refunds our payment to you of the refund will be a proper discharge of the insurer’s liability to make that refund.
4.7 Cancellations: You may cancel your policy at any time during the policy period. For more information on how to do so, please refer to your insurance policy documents under the cancellation section.
4.8 Refunds: If we receive your cancellation request within the first 14 days of the policy period we shall refund all of the premium which you paid.
4.9 If we receive your request at any time after the first 14 days we will refund 1/12 of the premium for each remaining full calendar month of the policy period. We will also deduct from your refund an administration fee of £1 for the administrative cost of processing the refund and cancellation.
4.10 All refunds will be paid back through our payment handling system to the original debit/ credit card which you used to pay the premium.
- Limitation of Liability
5.1 We will not be liable for any loss or damage caused by:
5.1.1 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 any use by you of our site and or material posted on it; or
5.1.2 If for any reason our site is unavailable at any time or for any period.
5.2 The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. We accept no liability for any commentary, opinion or ratings posted on this website by third parties.
5.3 To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
5.3.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
5.3.2 any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable;
5.3.3 Any liability in relation to reliance placed on and or attempt to use as specific advice any opinion and commentary posted on this site.
5.4 Nothing in these Terms excludes any liability which we may have for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.
- Intellectual Property
6.1 All intellectual property and intellectual property rights in all information, data and copyright material displayed on or accessible through and or used to support and operate this web site, including any software and trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or our licensors. You must not copy, distribute or in any way use such information or copyright material unless you have prior written permission from us to do so.
7.1 We will comply with all applicable data protection legislation from time to time in force in respect of the personal date we collect from you
- Jurisdiction and Enforceability
- Complaints Procedure
We aim to provide a high level of service to all our customers but occasionally things can go wrong. When this happens, we will do everything we can to put things right and assist you.
If you wish to make a complaint, please telephone us on 00 44 (0) 20 3740 4431.
For more information on how to complain please look here or please refer to your policy insurance document.
- Regulatory Disclosures
10.1 Insure Now is a trading style of Commercial & General Limited which is a private company limited by shares registered in England (No: 3994456), and whose registered office address is: 17 Teddington Business Park, Station Road, TW11 9BQ. Commercial & General Limited is a firm authorised and regulated by the Financial Conduct Authority (FCA) (FRN 300001).
10.2 Commercial & General Limited does not have permission to hold client money, but has the agreement of various insurers to receive and hold premium monies on their behalf and as their agent. Any payment made to Commercial & General Limited by you for onward payment to insurers and or by a product provider for onward payment to you, will be held by Commercial & General Limited as the agent of the relevant insurer(s).