Nectar insurance powered by Confused.com

Terms & conditions

It is really important that you read and understand our terms and conditions as they contain valuable information and legal facts. Because we offer price comparisons for a number of products, there are two sections to our terms and conditions. Once you have read the first section which applies to all services on Confused.com, please follow the link specific to the price comparison service you require. 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.

Section 1 (This section applies to all of our products)

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 & Security Statement.
On this basis, you are permitted to use our website and price comparison technology to find the most competitive prices from the leading UK insurance and financial services providers online.

Our services

Confused.com is not a broker - we are a Search Engine to find out whether you can save money on insurance or other financial services products. We currently compare prices for car, home, travel and motorbike insurance, utility providers for gas and electric, financial products for loans, mortgages, bank accounts and credit cards and many, 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 (Reg No. 03857130), with the registered address at: Friary House, 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 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 insurers, 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.

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, utility or financial services provider as you would have received from them by going direct.

Price delivery

If you receive five internet quotes or less for a motor policy, your details may be passed to Call Connection Limited, a company able to access a range of specialist insurance policies which are not currently available on-line. If it is not possible for you to get a home quote over the internet, you will have the option, by choosing the appropriate button, of calling or being called by Call Connection Limited. 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 308374).

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. We accept no responsibility, or any liability whatsoever, for the terms applying to a contract entered into with any provider or for any problems or complaints that may arise from your dealings with the selected provider.

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 please follow this link 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. 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 follow the guidelines provided in the providers documentation.

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 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.


This statement has been substantially revised in March 2008 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 visit our Privacy and Security links to understand more.

Section 2

Some products require additional terms and conditions to those set out above. Please view below for the price comparison you require.

2a) Motor, home, travel and motorbike insurance

Your responsibility

In order to get a quote for a motor, home, travel or motorbike insurance 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 any intermediaries they may use. The answers you give will determine the amount you pay and the level of cover you receive.

"Your answers will also affect the selection, by our technology, of which policies of insurance are most suitable for you. If you have processed a motor quote, you can tailor your quotation to cover a range of different circumstances (for example, to amend the voluntary excess) on the results page. When you wish to accept your quotation, it is your responsibility to ensure the changes made to the results page and also made on your proposed insurance providers website. If you have processed a home, travel or motorbike quotation, you will need to complete a separate form for each variation you require.

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 with the information they have asked for, or fail to tell them about any circumstance likely to influence the insurer's assessment of the risk involved, or any change in the facts supplied or your circumstances, it could invalidate your policy. An insurer's policy contract will set out what you are promising is true, in what circumstances you are entitled to cover, 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 an example:

Did you know that if you were to make false statements or withhold any information to obtain any insurance policy it could invalidate the insurance? This 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 contents or property and, if it is a home policy, you could be breaking the conditions of your mortgage. 

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. 

If you are in any doubt whether any information is relevant, you should tell your proposed insurance provider before you accept their quotation.

Residency requirement

Some insurance products described in this site are only available if you meet certain requirements.

For example, most motor or motorbike 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 requirements and that you will immediately notify them if any of those requirements cease to be met.

Price delivery

We access rates from the leading UK insurance 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 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.


If it is not possible for you to get a quote over the internet for a motor policy, 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 308374).

Check before you buy

In order to accept the price our technology found for you, you must contact the insurance 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 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 insurance cover. If you are buying via their web site you must also read the insurance 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 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 product.

2b) Utilities

Your responsibility

In order to get a quote you will need to answer a number of questions on our site which cover the full set of questions needed by all the different energy supply companies. The answers you give will determine the estimated amount you will pay and the most suitable for you based on your answers.

Quote guarantees

Companies change their prices and tweak their rates on a fairly regular basis. The price quoted to you will nevertheless be accurate at the time of issue, based on the details you provided and confirmed. You will receive the same guarantee from the supply company you choose and if they do choose to change the tariff you selected in the future, will provide you with advance notice of the change and the opportunity to change supplier again (within 28 days) without this effecting your tariff.

Residency

We can only compare prices if you are resident in the United Kingdom (excluding the Channel Islands).

Changing Supplier

The process of changing supplier is extremely simple; compare the companies, select the most suitable option for you, and fill in your personal details (these are secure pages). We will then send you a confirmation email confirming your selection and the details you provided will be forwarded to the supply companies you choose in order to arrange the change over. Your chosen supplier will then contact you to confirm the date on which your new service will start. On, or as close as possible, to the supply start date, we would recommend that you take a

meter reading and give this to your new supplier. They will contact you nearer the time to remind you of this.

What if our technology has made a mistake?Our technology is very sophisticated and we hope that mistakes are never made! However, we do operate within the guidelines of the energywatch 'Confidence code' and pride ourselves on providing customers with the information they need in order to make informed decisions for themselves. In order to learn more about the energywatch 'confidence code' follow this link.

Confused.com, is a subscriber to the energywatch 'Confidence code'.

2c) Financial Services - Credit Cards / Personal Loans / Savings / Current Accounts

Your responsibility

In order to get a quote for a financial 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 providers and any intermediaries they may use. The answers you give will determine financial product available to you. The service is provided on a non advised basis, this means that no advice as to the suitability of any product to your financial needs is given or implied

Residency requirement

Our financial products are only available to UK residents. Some providers 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 provider for details.

Price delivery

We access rates from the leading UK financial product providers online. Our price comparison technology will deliver you a full list of the prices it finds along with some basic benefits to help you decide on a provider. The information displayed relates to products that may be available to you. Nothing that appears on our website or in these terms and conditions constitute financial advice and does not recommend you to purchase a particular product.

Check before you acceptBefore you buy, it is really important that you check all the information the financial provider holds about you is correct and you fully read the terms of the application form and those of the selected provider. It is your responsibility to ensure the product selected matches your requirements. We accept no responsibility whatsoever for any financial product that you enter into.


Think carefully before securing a debt against your home. Your home may be repossessed if you do not keep up repayments on a debt secured on it.

Mortgages

The comparison quotation service for mortgage products is provided by London & Country Mortgages Ltd, based at Beazer House, Lower Bristol Road, Bath, BA2 3BA. London and Country Mortgages Ltd is authorised and regulated by the Financial Services Authority under the registration number 143002.

Quotations are provided on a non advised basis, this means that no advice as to the suitability of any product to your financial needs is given or implied. London and Country Mortgages Ltd have additional terms and conditions to those set out above that you must agree with to obtain a comparison for mortgages.

Think carefully before securing a mortgage or debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Secured Loans

The comparison quotation service for secured loans is provided by Relax Finance Ltd, based at Gisborne Close, Staveley, Chesterfield, Derbyshire, S43 3JT. Relax Finance Ltd is authorised and regulated by the Financial Services Authority under the registration number 450512.

Quotations are provided on a non advised basis, this means that no advice as to the suitability of any product to your financial needs is given or implied. Relax Finance Ltd have additional terms and conditions to those set out above that you must agree with to obtain a comparison for secured loans.

Think carefully before securing a mortgage or debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or debt secured on it.

Life Insurance

The comparison quotation service for life insurance is provided and administered by Direct Life & Pension Services

Ltd, who are authorised and regulated by the Financial Services Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England, No 2467691.

Quotations are provided on a non advised basis, this means that no advice as to the suitability of any product to your financial needs is given or implied. Direct Life & Pensions LTD have additional terms and conditions to those set out above that you must agree with to obtain a comparison for Life Insurance.

Medical and Dental Insurance

The comparison service for Medical and Dental insurance is provided and administered by PMI Partners which is a Trading name of Assured Futures Ltd, who are authorised and regulated by the Financial Services Authority. Registered office; Blue Boar Court, 9 Alfred Street, Oxford OX1 4EH. Registered in England, No 3040737.

Quotations are provided on a non advised basis, this means that no advice as to the suitability of any product to your financial needs is given or implied. Assured Futures LTD have additional terms and conditions to those set out above that you must agree with to obtain a comparison for Medical and Dental Insurance.

Other ways of contacting us

Our contact form is the quickest way to get in
touch with us. But if you're having difficulty using the form, please email us at communications@confused.com.

Alternatively, you can contact us in writing:

Confused.com,
3rd floor, Greyfriars House,
Greyfriars Road,
Cardiff,
CF10 3AL,
United Kingdom

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