Terms and Conditions
The Legal Bits
You are entering into this agreement with Compare The Market Limited (“our”, “we” or “us”).
These Terms and Conditions (“Terms”) apply to your use of this platform. By using this platform, you agree to be bound by these Terms. If you do not wish to be bound by these Terms you should not use this platform.
Compare the Market is a trading name of Compare The Market Limited. Registered In England No. 10636682. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. Compare the Market Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) for insurance distribution (Firm Reference Number: 778488). Energy, Broadband TV and Mobile and Digital products are not regulated by the FCA.
Compare the Market provide a website and mobile application (together referred to in these Terms as a “platform”) which, amongst other things, compares the prices of financial products and other services. The platform also provides webspace for third parties to compare and display prices for other related financial products and services for users of comparethemarket.com.
We do not provide financial or other advice in relation to the products or services compared, nor do we provide recommendations or endorsements.
When it comes to providers on our panel and partners, we don't have favourites. We offer impartial and independent comparison.
What's on this page
Jump to sections
- What you should do
- What you must do
- What you may need to do
- What may happen if you don’t adhere to these terms
- What we will do
- What we may do
- What we won’t do
- Exceptions and Other Potential Issues
- Privacy and Security Info
- Links to other websites
- Intellectual Property, content etc.
- How we make money
- Have a complaint or need to speak to us?
- Ending your access to the Platform or Services
- Other Legal Stuff
What you should do
Before using our platform, we recommend that you read all of the Terms to ensure that you understand them and are happy with them.
When accessing websites managed by third parties you should also read their terms and conditions and privacy information, as well as seek independent advice where necessary, for example, if the service or transaction on that website is of significant value to you.
We regularly check that all our partners are regulated and have the correct permissions to operate, however, you may wish to check this also. You can do so by checking the Financial Services Register on the FCA’s website.
What you must do
You must only use the 'comparethemarket.com' platform for your personal use (including use on behalf of your friends and family where they have asked you to do so) or, if a business user, for legitimate business comparison purposes.
You will need to answer, or have previously answered, several questions to compare or obtain a quote for any product or service. These questions are designed to ensure that we and all relevant product or service providers have all the information necessary to provide you with accurate, appropriate, and timely information relating to the products and/or services that you are interested in.
You must provide accurate and complete information when using this platform so that we, or our selected third parties, can provide appropriate price comparison quotes.
To purchase the majority of the products or services available on our platform you will be required to contact the product or service provider directly. Some of these products and services can be purchased directly on our platform via selected third parties, where this occurs your contract for such relevant product or service will be directly with that insurer or product or service provider.
When we generate a renewal comparison quote for you, you must check that the information within that quote is accurate and up to date before you purchase the product or service that quote relates to.
You must be a resident of the United Kingdom (“UK”) to use the platform.
You must not install or use the platform on a jail-broken or rooted device.
You must not share your comparethemarket.com password, PIN, one-time links or any other verification codes we make available to you with any third party.
You will not do anything that affects the integrity or security of this platform, or cause, or may cause harm, damage or unreasonable inconvenience to us or other users’ use of this platform.
What you may need to do
For some products or services, you may need to, or choose to, complete your transaction over the telephone. The contact details of the product or service provider are listed on their website(s).
What may happen if you don’t adhere to these terms
All insurance policies, the level of cover and the amount you pay is largely determined by the answers you provide to the questions you are asked. We have already asked you to provide accurate responses to these, if you fail to do this:
- any insurance product purchased may be void (meaning you will not be able to make a claim);
- you may have to pay additional premiums to reflect any increased insurance risk as a result of providing incorrect information; and/or
- You may be liable for damage or loss to a third party if you cause loss or an accident (this will be dependent on the terms of your policy/product).
What we will do
We will (if there are no issues) display to you the results of your use of our platform online. We will also inform you of these results by email or other available contact methods, including any renewal comparison results. Renewal comparison results will also be able to view within your Account. You can select which products and services you would like to receive renewal communications and comparison about within the Contact Preferences section of your Account.
Where you have undertaken a quote or compared a particular product or service, where possible we will automatically do a quote for that product or service when it is due to renew or expire. You can stop this service, or amend which products and services we will automatically do quotes for by visiting the Contact Preferences section of your Account.
The products and services we provide may vary from time to time, please check the Contact Preferences section of your Account to see what products and services are currently available to you.
In addition to contacting you as part of providing the services described above, we will also send you marketing (via various contact methods) where we have your permission to do so. You can update your marketing preferences and preferred contact methods at any time in the Contact Preferences section of your account and adjust any settings that relate to advertising by cookies and similar technologies here.
What we may do
We will help you complete quotes quickly by prepopulating some of our online forms with information we already know about you, or the product or service you are interested in (if we have it). Some of this information is provided by selected third parties so please double check it!
If you breach these terms and conditions, we may take any action we deem appropriate, including denying you access to this platform, bringing legal proceedings against you and disclosing information we deem necessary, or are required to disclose, to appropriate legal and/or regulatory bodies.
What we won’t do
We do not provide financial, investment or other advice relating to the product or service being compared, nor do we provide a recommendation or endorsement of any product or service providers.
Exceptions and Other Potential Issues
We rely on the availability of third-party websites and the general performance of the worldwide web. At certain times some, or all online quotes and prices may not be displayed to you due to problems with third-party websites and/or the worldwide web. If this is the case, we will try and notify you of this and email you to let you know when your quotes are ready to view.
Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote or offer may not be met if they are unusual, "non-standard" or "high risk". If so, please contact the relevant provider or service provider directly to discuss your needs and requirements.
Each product and service provider will have a different approach to providing their quotes or offers and may not make all of them available. Where you express an interest in a product or service that is either restricted by, or not provided by a product or service provider, we or the provider may contact you to assist you further.
This section applies when you review your energy usage on our platform. This service is free-of-charge and allows you to input basic information about your home to find out your historic energy usage. We then pass information about your property to trusted third parties for them to make calculations to project your future usage and pass us information about the current energy usage at that property. This service is provided for information only and we will not be responsible for any loss you suffer that results from action you take following the information this service provides.
Please do not input any information other than your own. By using the service, you confirm that you have the bill payer’s permission.
This service should not be used for business purposes or premises. If you do use it for business purposes, we will not be held responsible for any losses that business incurs because of these terms not being followed.
Finally, this service is reliant on third parties to provide us with your energy usage data. Whilst we aim to provide you with accurate information, the information provided to you via this service is an estimate only. We do not guarantee that this information will be accurate or that this information will always be available. If you think that the information we hold about you, or display to you, is inaccurate or incomplete, you should tell us.
Privacy and Security Info
If you decide to purchase or make further queries about a product or service through this platform you will be directed to the product or service provider's website and the information you have provided may be passed to such providers to allow them to fulfil your request.
From time to time, we may update our mobile application. You should always use the latest version of our mobile application to help ensure your account and use of our services remains secure. We may also need to prevent you from using and/or accessing your account via the mobile application if you are not using the latest version.
Intellectual Property, content etc.
We own, or have permission to use all intellectual property rights, information, data and copyright material contained on this platform.
You must not use such information or copyright material unless you have written permission from us or the owner to do so.
You may download or copy the content and other downloadable items displayed on this platform for personal use only, (i.e., to assist with a purchasing decision), if you are not otherwise breaching these Terms.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. and Google Play, and the Google Play logo are trademarks of Google LLC.
How we make money
Information on how we make money can be found here.
We do not control the price, length of some offers, or special conditions relating to price comparison quotes or offers displayed on our platform. These are (with some exceptions) set by product or service providers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through to the product provider or service provider's website.
Product and service providers' prices, rates and offer times are updated and amended on a regular basis. This means that prices displayed on our platform are subject to change.
All prices displayed or provided on our platform are inclusive of Insurance Premium Tax (IPT) where applicable. IPT is charged on insurance premiums and the rate is set by the UK Government, these rates could change at any time and with short notice, this means that insurers' quotes could change if IPT changes.
Have a complaint or need to speak to us?
We aim to provide a high standard of service to all our customers. Unfortunately, occasionally things do go wrong. When this happens, we will make every effort to settle complaints quickly and fairly.
Complaints about Products and Services purchased through our platform
If your complaint is about a product or service that you have purchased via this platform, then you should complain directly to the relevant product or service provider who supplies or supplied that product or service via their complaints procedure which can be found on their website. We cannot answer complaints on behalf of a product or service provider or accept responsibility for any such complaints.
Complaints about the service provided by us
If you have a complaint about our service, please contact us:
Please email us at [email protected]
Please address your letter to: Compare the Market, Customer Support Manager, Pegasus House, Bakewell Road, Peterborough. PE2 6YS.
Always include your name, postal address, and email address. Please also include your quote reference and telephone number and why you are unhappy in as much detail as you can. This will help us to respond to you as quickly as possible. If we do not have enough information to investigate your complaint, we will try and contact you to ask for further details.
Should you wish to use an alternative means of communication, on request we are happy to correspond with you by telephone.
Complaint Response Timescales
If we resolve your complaint by close of business on the third business day following the day on which it is received, we will send you a written summary of the resolution. This will confirm that your complaint has been resolved and remind you of your right to take your complaint to the Financial Ombudsman Service should you subsequently feel dissatisfied with the outcome.
If we are unable to resolve your complaint by close of business on the third business day following the day on which it is received, we will send a written acknowledgment of your complaint to you within five working days of its receipt.
By the end of eight weeks after receipt of your original complaint letter we will send you a final response or, if we are unable to provide a response at that time, a letter explaining why we are still not able to issue a final response and advising you of when we expect to be able to do so. You may after eight weeks, or if you are unhappy with our response to your complaint, contact the Financial Ombudsman Service. You may contact them at Exchange Tower, London, E14 9SR.
Telephone: 0800 0234567
Ending your access to the Platform or Services
We may issue a warning, temporarily suspend, permanently suspend, or terminate your right to use this platform if you:
- Substantially breach any of these Terms;
- Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this platform and/or third parties in connection with this platform; or
- If you are using this platform to commit or attempt to commit a criminal offence.
We may also temporarily suspend, permanently suspend, or terminate your right to use this platform and/or any of the services we offer if we make the decision to no longer provide access to the platform or any services, or if our partners decide to no longer provide these services on our behalf. Where possible we will try to inform you of any relevant suspension or termination.
Other Legal Stuff
We shall not be liable to you under these Terms, regardless of whether such liability arises in tort, contract or in any other way and whether or not caused by negligence or misrepresentation. Unless the law doesn’t allow us to exclude liability to you.
If any provision of these Terms are held by a competent authority to be invalid or unenforceable, the remaining provisions of these Terms will not be affected and will remain valid.
If any provision of these Terms is or becomes illegal, invalid, or unenforceable but would be legal, valid and enforceable if some part of it was deleted or modified, the term or partial term in question shall apply with such deletions or modifications as may be necessary to make the provision legal, valid and enforceable.
In the event of a dispute in connection with or arising out of these Terms, English law will apply.
These Terms will only apply as between us and you. Unless as otherwise stated in these Terms no other person may benefit or rely upon these Terms.
Nothing in these Terms will constitute an offer or promotion for services or products outside of the UK.
When using other parts of our platform, including our Rewards program and or participating in competitions and other offers (including vouchers) other terms and conditions may apply. We will inform you of those terms and conditions when appropriate.
Some definitions if you need them…
"you" and "your" means the person who proposes to use or is using this platform.
"platform" means either the site on the world wide web located at www.comparethemarket.com or the “Compare the Market” mobile application or any other mobile application that we provide. The meaning of “platform” in these terms will depend on whether you are using our website or our app.
"quote" means a price provided by a product or service provider for comparison with other quotes based on the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider directly to make a purchase.
“service” means the price comparison service available on our website that enables you to compare several prices for products and services, as well as us providing a comparison of these products and services at your renewal or contract expiry date, where available for that product or service.