It is really important that you read and understand our terms and conditions as they contain valuable information and legal facts. Our staff are more than happy to help with any further questions or queries you may have. See our contact us page for more information.

Our agreement with you
Our website and price comparison technology has been designed to allow private individuals to find the most competitive prices from the leading UK and insurance and financial services providers online.

• A private individual wanting to use our website and price comparison technology to find competitive prices for insurance and financial services on your own behalf and/or on behalf of a close family member; and
• You are not involved in any way in searching for insurance or financial services products as a business

Our services
Confused.com is not a broker - it is a price comparison site that searches insurance providers, financial products, utilities companies and more, to try and find customers great deals and big savings. We scour much of the market to present customers with a choice of quotes and deals, and we are committed to increasing the number of results we return by continually adding affiliates and partners to our panel. Confused.com currently offers price comparison services for car, home, motorbike, travel and life insurance, plus a range of financial products, utilities companies and more.

Who are Confused.com?
Confused.com is a trading name of Inspop.com Limited. Inspop.com Limited is registered in England and Wales (Reg No. 03857130), registered address: 2nd Floor The Friary, Greyfriars Road, Cardiff CF10 3AE. See our about us page for more information. Inspop.com Limited is an independent, wholly owned subsidiary of Admiral Group plc. We are authorised and regulated by the Financial Services Authority (Registration number: 310635). This can be confirmed at www.fsa.gov.uk/register/. Confused.com introduce to Able Insurance Services Limited (trading as Gladiator) and EUI Limited (trading as Admiral, Bell, Diamond and elephant.co.uk) who are sister subsidiary companies to Confused.com.

Your responsibility
In order to get a quote for an insurance or financial services product, you will need to answer a number of questions on our site which cover the full set of questions needed by all the different underlying insurers and financial service providers [and any intermediaries they use]. The answers you give will determine the amount you pay and the level of cover you receive.

[They will also affect the selection, by our technology, of which policies of insurance or other financial services products are most suitable for you.] If you want to obtain a variety of quotations to cover different circumstances (for example, with you accepting a higher excess, or including or excluding a teenage son or daughter as an additional driver), you will need to complete a separate form for each variation you require.

You must get permission from any other people about whom you propose to provide information in requesting a quote, before you provide us with any of their information. This applies to all information that you provide, but especially sensitive data like health information or criminal proceedings or convictions. In submitting any other person's details, you are confirming to us that you have their permission to do so, and that they understand how their information will be used.

Please resist any temptation to be anything less than completely honest. It is very important that you answer all questions truthfully and that you disclose all relevant facts. If you do not provide your insurer or financial services provider with the information they have asked for, or fail to tell them about any circumstance likely to influence the insurer's/provider's assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your insurance or product. An insurer's policy or a financial services provider's contract will set out what you are promising is true, in what circumstances you are entitled to cover/their product, and the assumptions the providers will make if you fail to provide information. Any failure on your part to supply complete and accurate information could have serious repercussions. Just to give you a couple of examples:

• Did you know that it is an offence under the Road Traffic Act to make false statements or withhold any information to obtain a Certificate of Motor Insurance? Invalid insurance could result in you being liable for any third party damage (and this could be an unlimited liability), no cover being provided for your own vehicle or property, and you could be prosecuted for breaking the law.
• If you suffer from a medical condition that you have not told your travel insurance provider about, they will reject any claim connected with that condition, and, if your claim is fraudulent, they can cancel your policy and you will have no cover.

Residency requirement
Some products and services described in this site, whether insurance or other financial services products, are only available if you meet certain requirements.

For example, travel insurance and most motor policies are only available to UK residents, and different insurers have different interpretations as to what counts as part of the UK. Some, for example, include the Channel Islands and/or the Isle of Man, while others exclude them. You will need to check the individual policy for details.

Most motor insurers also only offer insurance for private vehicles registered in the UK.

By requesting any quote, you are confirming that you, your property/vehicle/possessions and any other relevant individuals meet the insurer's/financial services provider's requirements and that you will immediately notify them if any of those requirements cease to be met.

Quote guarantees
Companies change their prices and tweak their rates on a regular basis. Some even do so daily. When you receive your quotes, it will tell you how long each provider guarantees their price. The price quoted to you will be accurate at the time of issue, based on the details you provided and confirmed. You will receive the same guarantee from the insurance or financial services provider as you would have received from them by going direct.

Price delivery
You should receive the results from our price comparison technology interactively. So far in May 2007 our average search is completed within 2 minutes. We also send you an email once we’ve finished, in case you didn’t want to wait online for your results. However, we are completely reliant on the availability of the third party sites and on the overall performance of the world wide web. We cannot therefore guarantee that you will receive your prices within the quoted timescales, but we aim to let you know how we're getting on if our technology is unable to complete your quotes in these time-frames. This may happen if you use our site 'out-of-hours' (being to 11:30 pm to 6:30 am as determined by some of the underlying sites).

We access rates from the leading UK insurance and financial services providers online. Our price comparison technology will deliver you a full list of the prices it finds along with some basic policy benefits to help you decide on a new provider. All providers specialise in slightly different risks and they do not quote on risks that fall outside their target customers or they will offer you a high price to discourage you taking out a product/insurance with them. Not all providers will offer you a quotation. The more "high risk" or "non-standard" your risk is classed, and remember it's their classification based on your answers, the fewer prices you will receive. In some cases, it might not be possible for you to obtain a quote at all over the internet. In such cases, you will have the option, by clicking the appropriate button, of calling or being called by Call Connection Limited, a company able to access a range of specialist insurance policies which are not currently available on-line. Your details will not be passed to Call Connection unless you click the "Get Call Connection to call me" button. Call Connection Limited, whose registered office is at Saxon House, 1 Cromwell Square, Ipswich, Suffolk IP1 1TS are authorised and regulated by the Financial Services Authority (authorisation number 308874).

Check before you buy
In order to accept the price our technology found for you, you must contact the insurance/financial service provider direct. We will give you a direct link to their web site along with any identification needed to access your details, which our technology automatically entered on your behalf. You can choose to accept cover over the telephone with them if you prefer, providing they offer that option. You will find all the relevant information regarding the acceptance of the product and contact details on the insurance/financial services providers website.

Before you buy, it is really important that you check all the information they hold about you is correct. It is your responsibility to ensure all your details are correct, and failure to do so could result in invalidating your product, and in the case of insurance, you not having any insurance cover. If you are buying via their web site you must also read the insurance/financial service providers own policy/agreement/terms and conditions. They are the terms and conditions that you agree to by buying from them and are completely separate from ours.

Most insurance/financial services providers make certain assumptions about you, for example, they assume you have no criminal convictions or have never been refused insurance in the past. It is important that you check the assumptions made as they form part of your contract and incorrect information could invalidate your insurance/financial services product.

We accept no responsibility, or any liability whatsoever, for the terms applying to an insurance/financial services contract entered into with any provider or for any problems or complaints that may arise in the operation of your insurance/financial services product.

What if our technology has made a mistake?
Our technology is very sophisticated and we hope that mistakes are never made! However, we stress that it is your responsibility to check that your details are correct on the underlying providers website.

Our liability to you
If the information has been incorrectly entered by our technology it is your responsibility to identify the mistake and, as such, we exclude, all our liability which by law we can exclude, in respect of all losses you may incur.

If our standards fall short
Our aim is at all times to provide a first class standard of service. However, there may be occasions when you feel we may have not achieved this. If we fall short of our own high standards then we want you to tell us! At Inspop.com Limited we take all complaints seriously and in such an event the procedure is as follows: - Our guide to handling your complaint

1. Write or e-mail our Communications Manager at Inspop.com Limited. You can write to: Inspop.com Limited, 2nd Floor The Friary, Greyfriars Road, Cardiff CF10 3AE or e-mail us at communications@Inspop.com. We aim to fully investigate and reply to your complaint on the next working day after receiving your letter or e-mail.
2. If you are still not satisfied then our Managing Director would like to handle your complaint personally. Please send copies of all correspondence to The Managing Director, Inspop.com Limited, 2nd Floor The Friary, Greyfriars Road, Cardiff CF10 3AE or e-mail md@Inspop.com

If your complaint is regarding an insurance policy or the financial service product you purchased and with whom we put you in touch, then you should complain direct to that company. Inspop.com Limited cannot accept liability for errors made by the underlying provider or their intermediary or appointed representative or answer complaints on their behalf. In such an event we recommend you use the following guidelines: -

1. Write to the Managing Director of the actual provider. You can obtain this information from their website or from the documentation sent to you when you bought the insurance/financial services product. If your complaint is about an intermediary or the appointed representative of the underlying provider, write to the Managing Director of the intermediary or appointed representative, as well as to the Managing Director of the provider they deal with or represent.
   
   
2. If you are still dissatisfied, follow your provider's or the intermediary's or appointed representative's, complaints procedure, which will advise you to contact:

• The Financial Services Ombudsman, South Quay Plaza, 183 Marsh Wall, London. E14 9SR.
  
  You can also contact them by email at enquiries@financial-ombudsman.org.uk or call them on 0845 080 1800
  
  All of the underlying insurance or other financial services sites, be it insurer, financial service provider, or intermediary, are authorised and regulated by the Financial Services Authority and you can find out the details of the underlying insurers registration on their websites
  
  
  

Third party links
You can link to other websites by means of hyperlinks published on this website or e-mailed to you as part of our service. These websites are owned and operated by third parties. We accept no liability for any statements, information, products or services that are published on or may be accessible through third party websites.

Amendments to our terms
We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.

Website Content
We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

Whilst we take every reasonable step to counteract viruses and other things with contaminating or destructive properties, we can give no warranty that this site and its content are free from viruses or anything else that has such contaminating or destructive properties.

Contacting us
If at any time you would like to contact us, the details are available on our Contact us page.

Copyright
The copyright in the material contained in this Web Site belongs to Inspop.com Limited. Any private individual may print off a copy of any part of this material for their own personal use, subject to the following conditions:

• the material may not be used for any commercial purposes;
  
  
• the copy must retain any copyright or other intellectual property notices contained in the original material;
  
  
• the technology or processes utilised by or described in this Web Site may be subject to other intellectual property rights reserved by Inspop.com Limited (on which see the section headed "Intellectual Property Rights" below);
  
  
• images on this Web Site are protected by copyright and may not be reproduced or appropriated in any manner without the written permission of their respective owner(s);
  
  
• no logos, trade marks or service marks appearing on the site may be printed off or copied, except as part of the text of which they form part.

Intellectual Property Rights
Any logos, trade marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trade marks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this Web Site and/or the service we provide belong to Inspop.com Limited. All rights of Inspop.com Limited in such intellectual property rights are hereby reserved.

Commercial use
This Web Site is for non-commercial, personal use only. Unauthorised commercial or bulk use may slow down the speed of the service we can provide for our customers. We will monitor the use of our services. If we detect commercial or bulk usage before we have sent the results of our search, we may abort the search. In any event, we reserve the right to take action against those using our service in an unauthorised way, to prevent disruption of our service to genuine customers, and to recover any losses we suffer.

This statement has been substantially revised in May 2007 to reflect the latest developments in the laws relating to data protection, and explaining what we and others do with your data, and the steps we take to protect it. You are asked to view this Statement separately, give it due consideration and make sure you agree with it before using our services. Please click here to view our Privacy and Security Statement.