Terms & Conditions

Effective Date: 1 September 2025

These Terms and Conditions ("Terms") govern your use of the website carinsuranceplus.co.uk ("Website") and the services provided by F&I Online Ltd t/a Car Insurance Plus ("Car Insurance Plus", "we", "us", or "our"). By using our Website or services, you agree to these Terms. If you do not agree, please do not use our Website or services.

1. Company Information

   • Legal Entity: F&I Online Ltd t/a Car Insurance Plus
   • Registered in: England and Wales
   • Company Number: 09664343
   • Registered Office: Lumiere House, Elstree Way, Borehamwood, England, WD6 1JH
   • FCA Registration: Authorised and regulated by the Financial Conduct Authority (FCA) under number 731217
   • ICO Registration: ZA156503 (Data Protection)
   • Email: contact@carinsuranceplus.co.uk

2. Our Services

   Car Insurance Plus is an insurance intermediary. We provide comparison, brokerage, and advisory services to help you find car insurance policies that meet your needs. We do not provide insurance ourselves; policies are underwritten by third-party insurers.

   We may receive commission from insurers when you take out a policy through us.

3. Eligibility

   By using our services, you confirm that:

   • You are at least 18 years old.
   • You are resident in the UK.
   • You will provide accurate, complete, and truthful information when requested.

   Failure to provide accurate information may invalidate your insurance policy or result in refusal of claims.

4. Quotes & Policies

   • Quotes provided on our Website are based on the information you supply and are subject to verification by insurers.
   • Quotes are not binding until confirmed by the insurer and a policy is issued.
   • The final premium, terms, and cover may differ from the initial quote.

5. Your Responsibilities

   You must:

   • Ensure that all information you provide is true and accurate.
   • Read all policy documents carefully before purchasing.
   • Notify your insurer of any changes in circumstances that may affect your policy.

   Failure to do so may result in cancellation of your policy or refusal of claims.

6. Fees & Charges

   • We do not charge you directly for using our comparison service.
   • We may receive commission from insurers when you purchase a policy.
   • Any applicable fees (e.g., policy arrangement or cancellation fees) will be disclosed before you commit to purchase.

7. Data Protection & Privacy

   We comply with the UK General Data Protection Regulation (GDPR) and Data Protection Act 2018.

   • Personal data you provide will be used to obtain insurance quotes, administer policies, and for regulatory compliance.
   • For details on how we collect, use, and protect your data, please refer to our Privacy Policy.

8. Complaints

   If you are dissatisfied with our service, you may contact us at:

   • Email: contact@carinsuranceplus.co.uk

   We will acknowledge complaints promptly and aim to resolve them within 8 weeks. If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service (FOS):

   • Website: www.financial-ombudsman.org.uk
   • Telephone: 0800 023 4567

9. Regulatory Protection

   As an FCA-authorised firm, you are protected by:

   • Financial Services Compensation Scheme (FSCS): You may be entitled to compensation if your insurer or we are unable to meet obligations.
   • Financial Ombudsman Service (FOS): Independent dispute resolution for unresolved complaints.

10. Limitation of Liability

    To the maximum extent permitted by law:

    • We are not liable for any loss or damage arising from your use of our Website or reliance on information provided.
    • We are not responsible for the performance or terms of insurance policies arranged with third-party insurers.
    • Nothing in these Terms limits liability for death, personal injury, or fraud.

11. Intellectual Property

    All content on the Website, including logos, text, graphics, and software, is the property of Car Insurance Plus or its licensors. You may not copy, reproduce, or distribute content without our prior written consent.

12. Website Use

    You agree not to misuse the Website by:

    • Attempting to hack, disrupt, or impair its functionality.
    • Using it for fraudulent or unlawful purposes.
    • Copying or scraping data without permission.

    We may suspend or block access if you breach these terms.

13. Changes to These Terms

    We may update these Terms from time to time. Updated Terms will be posted on our Website with a revised effective date. Continued use of our services constitutes acceptance of updated Terms.

14. Governing Law

    These Terms are governed by the laws of England and Wales, and you agree that disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.