These terms apply when you use CompareRenewal.co.uk. The site provides general renewal information and introductions to comparison services. It does not choose an insurance policy for you or provide a personal recommendation.
Who operates CompareRenewal?
CompareRenewal.co.uk is maintained by Prudent Plus Limited, registered in England and Wales under company number 10104295, with a correspondence address at Booths Hall, Booths Park, Knutsford, Cheshire WA16 8GS.
Prudent Plus Limited is a member of the British Insurance Brokers' Association, membership number 007759, and is registered with the Information Commissioner's Office under number ZB208127.
What the website provides
The articles on CompareRenewal are general information for people reviewing an insurance renewal. They cover subjects such as premium increases, switching at renewal, automatic renewal and the timing of a new policy. They are intended to help you understand the questions worth checking before you decide what to do.
The information is not personal financial advice, a recommendation to buy or cancel a policy, or a statement that a particular insurer or policy is suitable for you. Your circumstances may be different from the examples discussed on the site.
Quotezone comparison links
Where CompareRenewal links to Quotezone, the comparison service is provided by Seopa Ltd, trading as Quotezone. Seopa Ltd is authorised and regulated by the Financial Conduct Authority, FRN 313860. Prudent Plus Limited is an introducer appointed representative of Seopa Ltd.
Prudent Plus Limited may receive a commission if you buy a policy after using a comparison link. This does not add a separate fee to the premium you are shown by the comparison service. The insurer, broker or comparison provider is responsible for the quotation, eligibility criteria, policy documentation and any policy you buy.
Provider numbers and comparison claims
References to the number of providers or policies available through a comparison service describe the panel or service as stated by the provider at the time the wording was checked. Panels change. Not every provider will quote for every customer, vehicle or risk, and a larger panel does not guarantee a lower premium.
You should rely on the current information shown during the quotation journey rather than an older figure quoted in an article or on a promotional panel.
Renewal prices and savings
CompareRenewal does not promise that switching will reduce your premium. Another insurer may quote less, the same, more, or may decline to quote. Price is only one part of a policy. Cover limits, exclusions, excesses, optional extras, payment charges and conditions can differ.
If a page encourages you to compare after a renewal has increased, that means checking the market before deciding. It does not mean that your existing insurer's renewal is wrong or that another policy will necessarily be better.
Automatic renewal and cancellation
If your existing policy is set to renew automatically, check the insurer's renewal notice and instructions. Do not assume that buying another policy automatically cancels the old one. If you decide not to renew, follow the existing insurer's process and keep confirmation.
Likewise, if a policy has already renewed, cancellation terms, cooling-off rights and any charges depend on the policy and the circumstances. Check the insurer's current terms before taking action.
Starting a replacement policy
You are responsible for making sure any replacement policy starts at the correct time. A gap in compulsory motor insurance can have serious consequences if a vehicle is used or kept in circumstances where insurance is legally required. An unintended overlap can also mean paying for two policies at once.
Check the start date and time shown on the new policy documents and the end date and time of the existing policy rather than relying on assumptions.
Information you provide for a quote
Insurance quotations depend on accurate information. You are responsible for answering proposal and quotation questions carefully and honestly. This can include details about the vehicle, drivers, address, occupation, use, mileage, claims, convictions, modifications, security and other matters requested by the provider.
If you are unsure what a question means, use the help provided by the comparison service or insurer rather than guessing. An inaccurate answer can affect the quotation and, in some circumstances, the policy or a later claim.
Checking the policy before buying
Do not rely on the headline premium alone. Before buying, check the cover level, compulsory and voluntary excesses, significant exclusions, optional extras, payment method and the insurer or broker named on the quotation. If a feature matters to you, confirm that it is actually included.
CompareRenewal cannot check a quotation or policy document on your behalf merely because you reached it through a link on this site.
Accuracy and updates
We try to keep the website clear and useful, but insurance markets, provider panels, prices, regulations and product terms change. A page may therefore become out of date even where it was accurate when written.
Current insurer, broker, comparison-service and regulator information takes precedence over general wording on CompareRenewal. If you spot something that appears out of date, you can write to Prudent Plus Limited at the address shown above.
External websites
Links to other websites are provided because they may be useful or because they form part of a quotation journey. External sites are controlled by their own operators. Their terms, privacy notices, security arrangements and availability are outside the control of CompareRenewal.
A link does not mean that Prudent Plus Limited accepts responsibility for everything on the destination website.
Intellectual property
Unless stated otherwise, the original text, layout and site materials on CompareRenewal are protected by copyright and other intellectual-property rights belonging to Prudent Plus Limited or its licensors. You may view and print reasonable extracts for personal, non-commercial use.
You may not copy substantial parts of the site, republish its articles as your own, remove attribution from protected material, or use the site to create a competing publication without permission.
Website availability and security
We aim to keep the site available, but uninterrupted access is not guaranteed. Pages may be changed, moved or withdrawn, and maintenance or technical problems may occasionally make the site unavailable.
You must not misuse the website by attempting unauthorised access, introducing malicious code, interfering with normal operation or using automated systems in a way that places an unreasonable load on the service.
Liability
Nothing in these terms excludes or limits liability where the law does not allow that. Subject to those rights, CompareRenewal and Prudent Plus Limited are not responsible for losses caused solely by relying on general website information instead of checking the current quotation, policy documents or information supplied by the relevant insurer, broker or comparison provider.
Prudent Plus Limited is not responsible for an insurer declining to quote, changing a premium, refusing cover, applying an excess or changing policy terms. Those decisions are made by the relevant provider.
Privacy
Information about how personal data may be handled in connection with this website is set out in the Privacy Policy. External quotation services have their own privacy notices.
Changes to these terms
These terms may be updated when the site, the services linked from it or the legal position changes. The version published here applies when you use the website.
Law and jurisdiction
These terms are governed by the law of England and Wales, subject to any mandatory consumer rights that apply to you. Nothing in these terms is intended to remove rights that cannot legally be excluded.