Terms & Conditions

It is really important that you read and understand our terms and conditions as they contain valuable information and legal facts. Our staff are more than happy to help with any further questions or queries you may have. See the contact details below for more information.

Our agreement with you
By agreeing to these terms and conditions you are permitted to use our website so that you can find the most competitive prices from the leading Channel Islands insurance and financial services providers. You also confirm that you are resident in the Channel Islands.

Our services
quotecaster.com is not a broker, nor do we offer any financial advice - we are an online Quote Search Engine that connects you with multiple companies that offer finiancial information, quotes and services. Currently we provide quote searching for Loans, Mortgages, Motor Insurance, Marine Insurance, Travel Insurance, Pet Insurance, Home Insurance, Health Insurance, Life Assurance and Pensions.

Who are quotecaster.com?
quotecaster.com is a website run by Micropublishing Ltd. Micropublishing Ltd. is registered in Guernsey, registered address: PO Box 1, Guernsey, GY1 4AA.

Your responsibility
In order to get a quote for an insurance or financial services 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 financial service providers. The answers you give will determine the amount you pay and the level of cover you receive in case of insurance or type of product most suitable for you based on your answers. Please avoid 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 or financial services provider with the information they have asked for or fail to tell them about any change (for example, any information likely to influence the assessment of your risk) it could invalidate your insurance or product. This could have serious repercussions. If you are in any doubt whether any information is relevant, you should tell your proposed insurance or financial services provider before you accept their quotation.

Residency requirement
The products and services described in this site are only available to Channel Island residents. By asking for a quote, you confirm that you (and any additional drivers on your policy, in the case of Motor Insurance) are Channel Island residents and that you will immediately notify your insurer if you (or your additional drivers, in the case of Motor Insurance) stop being a permanent Channel Island resident.

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

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 product, and in the case of insurance, you not having any insurance cover. If you are buying via their web site you must also read the insurance/financial service providers own 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/financial services 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/financial services product.

We accept no responsibility, or any liability whatsoever, for the terms applying to an insurance/financial services contract entered into with any provider or for any problems or complaints that may arise in the operation of your insurance/financial services product.

Quotation forms
The quotation forms on this website are not exhaustive and it may be necessary for the insurance/financial services company to obtain further information from you either by email, by telephone or even in person in order to provide you with an accurate quotation.

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.

Privacy Policy
Our Privacy Policy is detailed on a separate page, please click here to read it.

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.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

Contacting us
If at any time you would like to contact us, you can email us directly at quotecaster@hbgroup.com.

Copyright
The copyright in the material contained in this Web Site belongs to Micropublishing Ltd. Any person may copy any part of this material, subject to the following conditions:

• the material may not be used for commercial purposes;
• the copies must retain any copyrights or other intellectual property notices contained in the original material;
• the technology or processes described in this Web Site may be subject to other intellectual property rights;
• 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).

Intellectual Property Rights
Save for third party trade marks, all Intellectual Property Rights including, without limitation, all 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 to this Web Site belong to Micropublishing Ltd. All rights of Micropublishing Ltd. in such Intellectual Property Rights are hereby reserved.

Commercial use
This Web Site is for non-commercial, personal use only.

T&C Dated: August 10th, 2007