Terms and Conditions
Please take a minute to read our terms of service...
Terms and Conditions Introduction Life-cover.com is a trading name of Egouk ltd. This website is owned and provided by Egouk Limited (registered in England and Wales with company number 651949) whose registered address is at Egouk Ltd, 40 Lickey Coppice, Cofton Hackett, Birmingham, B45 8PQ.
We provide an online service which enables you to research insurance, products by third parties whilst using this Website. Our service is free for you to use. We do not add any fees or commissions to the products or services you compare. Instead, we will introduce you to an appointed representative of Sesame Limited who provides products or services. We are paid by charging those appointed representatives a fee and/or commission for introductions made.
Once you have completed your application, we will refer your details to an appointed representative of Quinessential finance group Limited. Please be aware that nothing on this Website is, or shall be deemed to constitute, financial advice or a recommendation or endorsement by us in respect of any product or service referred to on this Website. Information on this Website is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service.
Please be aware that nothing on this Website is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service or to enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected.
We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.
You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this Website other than for your personal, non-commercial purposes is strictly prohibited.
You are not permitted to use this Website:
In any unlawful, fraudulent or commercial manner. To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us. To create, check, confirm, update, modify or amend your own or another person's databases, records or directories. To tamper with, modify, reverse engineer or amend any part of this Website. In a way that interferes with, disrupts or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us. Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program or system.
Intellectual property rights
The copyright and material on this website is owned by Pingtree Limited and is protected by the copyright laws of the United Kingdom and such users will be entitled to copy any such information for their own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of Pingtree Limited. Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this website may be in breach of statutory or common law rights which could be the subject of legal action. Pingtree Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this website. Any liability for any direct or indirect or consequential loss or damage incurred by any user in connection with our website or in connection with our website or in connection with the use, inability to use, or result of the use of our website, any websites linked to it and any materials posted on it, including without limitation any liability for loss of income or revenue, loss of business, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time, and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence) breach of contract or otherwise, even if foreseeable provided that this condition shall not prevent clams for loss or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set above. This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or mispresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law. Viruses, hacking & other offences You must not misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website is stored or any server, computer or database connected to our website. You must not attack or a distributed denial-of service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately. We will not be liable for any loss or damage caused by a distributed denial of service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our website or to your downloading of any material posted on it, or on any website linked to it. Laws applicable Our terms and conditions and any dispute or claim which may arise from or is connected to them or their subject matter of formation (inc non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales or by Scots law if you are resident in Scotland at the time of entering an agreement with us. The English courts, or Scottish courts if you are resident in Scotland at the time of entering an agreement with us, will have an exclusive jurisdiction over any claim arising from, or related to, a visit to our website although we retain the right to bring proceedings against you for breach of these terms and conditions in your country of residence or any other relevant country. If we make any changes to our Terms and Conditions If we do make any changes to our Terms and Conditions, we will do so by posting the changes online. It is your responsibility to check this page frequently in order to take notice of any changes that may have occurred, as these changes will be binding to yourself. If you choose to continue to use our website after any changes have taken place, you will therefore be accepting of our terms and conditions. In addition to above, some of the provisions contained within the terms and conditions may also be superseded by provisions or notices that have been published elsewhere on our website. Governing language The governing language of this agreement and any communication that takes place between the customer and us will be the English language.
Our insurance service allows you to search for and compare various types of insurance products from different insurance providers. You will need to answer a number of questions on this Website in order to compare or obtain a quote for any insurance product. These questions are designed to ensure that we and all relevant insurance providers have all the information necessary to provide you with appropriate and timely information relating to the products in which you are interested. The level of cover and the amount you will pay will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the insurance product you purchase meaning you have no insurance cover. If your insurance product is invalid, claims may not be paid and you could be responsible for any third party costs if any event occurs where you would otherwise have been covered by the insurance product.
Except in connection with travel insurance products, in order to apply for an insurance product, you must contact the relevant insurance provider. We will give you a direct link to their website and/or a dedicated telephone number along with any identification needed to access your details.
Before you apply for any insurance product, it is very important that you check all of the information held by the insurance provider about you to ensure it is true, correct, complete and accurate, that it is not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information held by the insurance provider about you before you apply for any product. Failure to correct any mistakes or errors in the information held by the insurance provider about you or a failure to disclose all relevant facts could invalidate your chosen insurance product. The information you provide may be used to carry out certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurance providers and a record of this search will be made although this will not adversely affect your credit profile. Some insurance providers may pass loyalty scheme data to their insurance underwriters in order to assess and rate your cover and determine your premiums. If you are in any doubt as to whether any information is relevant or required to be disclosed or that something may be incorrect you should disclose it to your proposed insurance provider before you apply for the insurance product. If you do not provide all such information or if you fail to tell your proposed insurance provider about any circumstances likely to influence their assessment of the risks involved, your proposed insurance provider may be able to treat your insurance policy as invalid.
Most insurance providers make certain assumptions about you. These will be different to any assumptions made by us about you. It is your responsibility to check the assumptions made by insurance providers as they form part of your contract with your selected insurance provider. If any assumption made by an insurance provider is incorrect, you must inform the insurance provider before you apply for any insurance product. Failure to do so could invalidate the insurance product.
In providing our home insurance service, we have made the following assumptions and we have answered some questions on your behalf using those assumptions: You or anyone currently living at the property:
Do not have any unspent criminal convictions or prosecutions pending. Have not been declared bankrupt. Have never had insurance cancelled, refused or special terms applied by your insurer.
If these assumptions are incorrect it is your responsibility to change the answers and provide the correct information when making an application for the product to the home insurance provider.
It is very important and your responsibility to check all the information about you is true, correct, complete and accurate as incorrect information could invalidate your policy or lead to a claim being declined.It is very important before you apply for any insurance product that you carefully read the terms and conditions of the product, the insurance provider's terms and conditions and any other documentation that applies to the insurance product. You must familiarise yourself with all the details of the insurance product, for example, the restrictions, exclusions, conditions and obligations which apply to the insurance product. It is your responsibility to ensure that the insurance product matches your requirements and that you agree to the terms and conditions of the insurance product before you apply for it. We 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.