1. About Our Service

These Terms & Conditions govern your use of Car Protect Insurance and our website.

We provide an independent quotation search and comparison assistance service. Our role is limited to helping customers locate and compare quotations from third-party providers based on the information supplied by the customer.

We are not an insurer, lender, broker, underwriter, or product provider.

2. No Advice or Recommendations

We do not provide financial, insurance, legal, investment, or professional advice.

Any quotations, prices, product descriptions, or policy information provided by us are for information purposes only and should not be considered a recommendation or personal advice.

The decision to purchase, accept, or proceed with any product remains entirely your responsibility.

3. Scope of Our Service

Our service is limited to searching for and presenting available quotations from third-party providers.

We do not:

* Arrange or conclude contracts on your behalf.
* Manage, administer, or monitor policies.
* Collect premiums on behalf of providers.
* Make decisions for customers.
* Act as an insurer, broker, or financial adviser.

Any contract entered into will be directly between you and the relevant provider.

4. Customer Responsibilities

You agree to provide complete, accurate, and truthful information at all times.

Incorrect, incomplete, or misleading information may result in:

* Incorrect quotations,
* Increased premiums,
* Policy cancellation,
* Refusal of cover by a provider.

You are responsible for reviewing all quotations, policy documents, and provider terms before proceeding.

5. Fees

We may charge a service fee for quotation search services. Any applicable fee will be clearly disclosed before payment is requested.

Our fees relate solely to our quotation search service and are separate from any fees, premiums, or charges payable to third-party providers.

6. Third-Party Providers

Products and services displayed or sourced through our service are provided by independent third parties.

We do not control, endorse, or guarantee any third-party provider, product, price, policy, or service.

Any agreement you enter into will be governed by the provider’s own terms and conditions.

7. Refund Policy

Due to the nature of our quotation search service, fees may be non-refundable once the service has been completed.

However, refund requests may be considered where there has been a service error or exceptional circumstance.

 8. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, consequential, or financial losses arising from your use of our website or services.

Nothing in these Terms excludes liability that cannot legally be excluded under UK law.

9. Privacy

Your use of our services is subject to our Privacy Policy.

We process personal data in accordance with UK GDPR and the Data Protection Act 2018.

10. Governing Law

These Terms & Conditions are governed by the laws of England and Wales.

Any disputes arising from these Terms shall be subject to the jurisdiction of the courts of England and Wales.