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Terms and conditions

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

By using our website and price comparison services you are agreeing to these terms and conditions. If you do not agree to these terms and conditions, please refrain from using our website.

Our agreement with you

Our website and price comparison technology has been designed to allow private individuals or businesses seeking products on their own behalf to find the most competitive prices from the leading UK and insurance, utility and financial services providers online. Therefore, if you are:

  • A private individual wanting to use our website and price comparison technology to find competitive prices for insurance, utility and financial services on your own behalf and/or on behalf of a close family member; or
  • Acting on behalf of a company wanting to use our website and price comparison technology to find competitive prices for insurance and financial services on behalf of the company; and
  • Not involved in any way in searching for insurance or financial services products as a business and;
  • In agreement to the terms of our Privacy Policy and Security Policy 

You are permitted to use our website and price comparison technology on a temporary basis to find the most competitive prices from leading UK insurance,  financial and home services providers online.

Our services

Confused.com is not a broker - we are a price comparison service that can be used to find out whether you can save money on a range of insurance and other financial services products. We currently compare prices for car, home, travel, life and motorbike insurance, utility providers for gas and electric, financial products for loans, mortgages, bank accounts and credit cards and many more products.

Who are Confused.com?

Confused.com is a trading name of Inspop.com Limited. Inspop.com Limited is registered in England and Wales (Registration No. 03857130), with the registered address at: Floor 3, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL. 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 Conduct Authority (FCA) and our (Firm reference no: is 310635). This can be confirmed at www.fca.org.uk/ or by contacting the FCA on 0845 606 1234. 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 through our price comparison service, 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 insurance, utility and financial service providers and any intermediaries they may use. The answers you give will determine the amount you pay and the level of cover you receive. You must get permission from any other people whose details you propose to use 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.

It is your responsibility to ensure that all information you enter onto Confused.com is true, accurate and complete and that you disclose all relevant and material facts.  If you do not provide accurate information and disclose all material facts this could lead to your selected product being invalid and claims may not be paid. 

We cannot be held responsible if your selected product is invalid as a result of your error in providing correct information, or from a failure to disclose all material facts to us or your selected provider.

As we work with a large number of providers it is important that you read the provider’s terms and conditions, and that you agree with them before purchasing your product or service as they will differ to ours.

Once you have purchased a product, it is important that you read all documents issued to you by your selected provider and ensure that you are aware of any levels of cover, financial limits and any other terms that apply.  If any information is not correct, it is your responsibility to identify the mistake and correct this with the provider directly.

Price delivery

Companies change their prices and tweak their rates on a regular basis.  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, and may change if your quote is resubmitted.  Remember, you will receive the same guarantee from the insurance, utility or financial services provider as you would have received from them by going direct.

Once you have received your prices, we may call you to discuss your quote.  Please note, Confused.com are unable to offer advice on particular insurance providers or the services that may offer.  With your permission, we may refer you to a range of specialist insurance providers which are not currently available on-line.

Our liability to you

Please read the following information carefully as we include some limits and exclusions of our liability to you.

These terms do not exclude our liability to you in any way for:  personal injury or death caused by our negligence; fraud or fraudulent statements made by one of our employees or agents for or any matter for which it would be illegal for us to exclude or to attempt to exclude our liability.

In addition, we are only liable for losses which are a foreseeable consequence of us breaking this contract.  Losses are foreseeable where they could be contemplated by you and us at the time your information is inputted onto our website.

We will not be held responsible for any indirect losses which happen as a side effect of the main loss or damage which you suffer and which are not foreseeable by you and us at the time we enter into this contract, including, but not limited to: loss of income or revenue; loss of business; loss of data; loss of profits or contracts; loss of anticipated savings or waste of management or office time however arising, provided that this provision will not prevent you from bringing claims against us for loss of or damage to your physical property or any other claims for direct financial loss that are not excluded by any of the categories set out above.

In no circumstance will we be responsible for any losses which arise in connection with an event or series of events which is/are outside of our reasonable control.

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 Confused.com we take all complaints seriously and in such an event please follow this link to read our complaint procedure.

If your complaint is regarding a provider that you have purchased a product through and with whom we put you in touch, then you should address your complaint direct to that company. Confused.com cannot accept liability for errors made by the selected provider or answer complaints on their behalf. In such an event we recommend you follow the guidelines provided in their Complaints Procedure.

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 website 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 website 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 website 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 website 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 website is for non-commercial use, meaning it is only for personal use or for use by a business to seek a product directly for that business 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.

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Dated: 02/02/2011




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