Terms and Conditions

1 About Quotezone

Quotezone and Quotezone.co.uk are trading names of Seopa Limited. This website (“experian.quotezone.co.uk”) is owned and operated by Seopa Limited (referred to in these terms and conditions as “Seopa”, “our”, “we” or “us”), a company registered in Northern Ireland (Company Registration number NI46322) to provide an insurance quote comparison service to users of Experian’s services (“Website”). Experian Limited (referred to in these terms and conditions as “Experian”), which introduced you to Seopa, is a company registered in England and Wales (Company Registration number 00653331).

Seopa’s registered address:

Seopa Ltd
Blackstaff Studios
8-10 Amelia Street

Experian’s registered address:

Experian Limited
The Sir John Peace Building
Experian Way
NG2 Business Park
NG80 1ZZ

Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our register number is 313860. Our permitted business is non-investment insurance mediation. Seopa Ltd is also authorised and regulated by the FCA for consumer credit brokerage. Seopa Ltd is a data controller under the Data Protection Act 1998, and is listed on the data protection register, Registration # Z8733752.

Section 1

2 Access to the Website

Your use of this Website and our quote comparison services provided on the Website are subject to these terms and conditions. By visiting this Website or using our online quote comparison service on the Website, you agree to be bound by these terms and conditions. We may amend these terms of use from time to time, and the revised version will be effective when displayed here.

Owing to the nature of the Internet we cannot guarantee that this Website will always be available to users. You should ensure that you have appropriate protection against viruses and other security arrangements in place whilst using the Internet.

We may terminate or suspend access to or availability of the Website at any time without notifying you.

You must be aged 18 or over in order to use the Website and our quote comparison services provided on the Website.

By accessing this Website, you agree not to:

  • use this Website in such a way that disrupts, interferes with or restricts the use of this Website by other users;
  • reverse engineer, decompile, copy or adapt any software or other code or scripts forming part of this Website or attempt to transmit to or via this Website any information that contains a virus, worm, trojan or other harmful or disruptive component; or
  • change, modify, delete, interfere with or misuse data contained on this Website.
3 Our services

The Website provides a quote comparison service and internet directory - we are not an insurance broker, financial broker or lender. We allow you to use the Website and our quote comparison service on the Website free of charge to compare quotes for a wide variety of products and services from a number of third party companies. We shall provide you with the quotes we obtain from these third party companies using the information you submit through the forms on this Website.

Please note we will receive commission and fees from certain third parties who advertise on or are linked to the Websites or as a result of you having purchased products and/or services. All such commission and fees will be shared between us and Experian.

The Website is provided for the personal use of individuals only and you may not provide access to our services or the results of our services to any third parties or use them for any commercial purposes.

4 Our Liability

While we take reasonable steps to ensure that the information contained on the Website is accurate, we and/or Experian do not accept any responsibility or liability whatsoever in contract, tort or otherwise for any loss or damage caused by or arising directly or indirectly in connection with any use or reliance on the contents of the Website or our quote comparison service provided on the Website except to the extent that such liability cannot be excluded by law.

Nothing in these terms of use shall exclude our or Experian’s liability to you for fraudulent misrepresentation by us or our employees or for death or personal injury resulting from our negligence or that of our employees.

You may not create hypertext links to this Website.

Links to other websites, advertisements for, or references to, other companies mentioned on the Website are there for information purposes only. We and/or Experian have no control over and therefore we and/or Experian 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.

6 Use of your personal information

We shall use any personal information you provide to us through the Website in accordance with our Privacy Policy - Click here to view and/or Experian’s Privacy Policy - Click here to view.

All material contained within the Website is Seopa Limited 2006-2017 unless otherwise stated. You may download, print and view extracts from the Website for your personal use but must not otherwise copy, reproduce or redistribute any part of the Website without our prior written consent. In particular you must not reproduce or exploit any part of the Website for commercial gain. All other rights are reserved and users must ask our permission before making any other use of material contained in this Website.

8 Governing law

These terms and conditions and your use of the Website shall be governed by the laws of Northern Ireland and you agree to submit to the non-exclusive jurisdiction of the courts of Northern Ireland in respect of any dispute in relation to your use of the Website. If you reside outside of Northern Ireland, you may take court proceedings in the courts of the country in which you reside.

9 Contacting us

If you have any queries about these terms and conditions, please contact us via our contact us page - Click Here.

Service standards
We aim to provide a high level service to all our customers. Seopa has an internal complaints procedure which will deal with complaints promptly and fairly. Seopa investigate all complaints competently, diligently and impartially. We aim where appropriate, to resolve all issues as quickly as possible and will always keep you informed of how your complaint is progressing.

What to do if you have a complaint?
If you have a complaint about our service, we prefer it if you could please contact us by email yriuqneremotsuc@quotezone.co.uk or by writing to us at Seopa Limited, Customer Relations, 8-10 Amelia Street Belfast. County Antrim. BT2 7GS. N. Ireland. Should you wish to use an alternative means of communication then you can do so. We are happy on request to correspond with you by telephone 0845 644 6598 or fax. When contacting us about a complaint, please include your name and address, a contact telephone number, details of why you are not satisfied and your quote number (if you have this available). This will help us to respond to you as quickly as possible.
For the purposes of handling complaints our working day is 9am to 5pm Monday to Friday, excluding Bank Holidays.

We aim to resolve your complaint by the close of business of the next working day following the day your complaint was received. If we are not able to do so, we will provide you with an acknowledgement. After we have had the opportunity to investigate your concerns, we will issue you with a final response.

Financial Ombudsman Service
Depending upon the nature of your complaint, you may after eight weeks of making your complaint, or if you are unhappy with our response to your complaint, have the right to refer your case to the Financial Ombudsman Service (FOS) who may be contacted at Exchange Tower, Harbour Exchange Square, London, E14 9SR, Telephone 0800 0234567.

Website www.financial-ombudsman.org.uk

If your complaint is regarding a product or service that you have purchased via this Website, then you should complain directly to the relevant product or service provider responsible for supplying the product or service about which you wish to complain. If you require their contact details please contact our customer relations team who will be happy to assist you.

We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints. We recommend that you visit the website of the product or service provider and follow their complaints procedure if you wish to make a complaint against them.

10 Initial Disclosure Document:

The Financial Conduct Authority requires us to present you with an Initial Disclosure Document which you must read before you make a purchase. This document is located here: QuotezoneIDD

Section 2

11 Insurance comparison services and other financial products
11.1 Insurance and other financial product comparison services

If you wish to complete a purchase of an insurance product or financial product when we have provided you with the quote comparison, you should contact the provider directly. In most cases, we shall provide you with a link to the relevant companies' websites when we respond to your request for a quote comparison. 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 the Website, you will enter into a contract directly with that third party company and that company's own terms and conditions will apply to your relationship with that company.

In order to reduce the number of fields you must fill in when you submit a request for a quote comparison, we shall make a number of assumptions about you. For example, we may assume that you do not have any medical conditions that could affect your insurance premium when we get quotes through our van and bike insurance systems. The quotes we obtain will be based on these assumptions. If you choose to accept a quote from a third party obtained using the Website, you should check that the insurance provider has not made any inaccurate assumptions about you based on our request for a quote.

Some providers, when they return quotes to our system, may include add on products. When they do we can only either provide a generic description of those products or provide you with information the provider has given to us. You should check these extra products with the provider to make certain you are interested in them and that they are suitable for your needs.

Some providers will include extra items in their quotes. They hope that those extra items may make their offer more attractive to you. To try to balance up quotes we may include some indication of what typical add ons might cost if you were to purchase them separately. We do this to make the comparisons more equal. These are only an indication and any description is only a generic description.

Where a provider offers monthly payment of premiums that may be because the insurer offers that alternative or it may be that the provider can offer that service by offering you the option to select Premium Finance. We may not be aware of which option the provider is using. They should make that clear to you when you visit their site to look more closely at the quote they have provided. This is something the provider offers and is not an arrangement through us.

11.2 Your responsibilities

It’s your responsibly to ensure that all information used by a provider or third party in arranging an insurance policy or financial product for you is correct. You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge. If you have reason to believe that your knowledge is not sufficient to provide an answer to a question then you agree to check before answering that question. We and/or Experian are not in any way responsible for any inaccuracies in any insurance policy or financial product taken out by you from any insurance provider or other third party, whether or not they are listed on this Website unless such inaccuracies are a direct result of our negligence and could not have been picked up by your checking the application answers with the provider or third party before committing to the insurance cover and/or other financial services and products.

We are not able to advise on the suitability of any product for you and it is your responsibility to discuss your insurance and/or financial requirements and details with any insurer, broker, lender or company before taking out an insurance policy or entering into any other financial agreement. Failure to do this could result in you taking out insurance or entering into a financial product which is not suitable for your requirements and which may be inadequate in the result of a claim.

11.3 UK residents only

The quote comparison services we provide through this Website are only available to residents of the United Kingdom that require insurance products within Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Not all quotes will be available to all regions (for example, some insurers will not provide cover for Northern Ireland residents).

11.4 Our Liability

We rely on the information you have provided to us and the quotes we obtain from third party companies. Although we hope that the quotes we obtain should allow you to identify which companies are most likely to offer you a competitive premium, you should contact these companies directly to obtain an accurate quote. Accordingly, we and/or Experian do not accept responsibility for the accuracy of any quotes displayed to users of the Webite. Similarly, we and/or Experian accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any insurance product you apply for does not meet your requirements or is not suitable for you.

The display of a quote on the Website is not a representation from us that insurance will be available to you at the price shown. This Website, any information or other material contained in it, and our quote comparison services provided on the Website are made available strictly on the basis that you accept them on an as is and as available basis. If you rely on any information or other material contained in the Website, you do so entirely at your own risk and you accept that all warranties, conditions and undertakings, express or implied, whether by common law, statute, trade usage, course of dealings or otherwise in respect of this Website are excluded to the fullest extent permitted by law.