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Terms & Conditions

MajorCompare.com Terms and Conditions

MajorCompare.com (the 'Website') is privately owned and does not give any advice and does not sell or advise on insurance products. In the terms and conditions stated herein ('Terms and Conditions'), whenever we use "us", "we" and "our", it refers to Major Compare, and "you" and "your" refers to anyone who uses this Website.

Regarding Insurance Products
Major Compare is not an insurance broker and does not offer advice but arranges and pass on new business leads behalf of a licensed insurance brokerage whose businesses are to arrange insurance products and services for their clients, and do not represent any particular insurance company in their dealings with clients.

Major Compare's brokerage partners is remunerated for its services by the receipt of commission(s) paid by insurers. Your agreement to proceed with any insurance transaction shall constitute your consent to the receipt of commission by Major Compares insurance brokerage partners.

Major Compare and/or its licensor own the Website. Our brokerage partners are insurance brokers whose businesses are to arrange insurance products and services for their clients, and do not underwrite any insurance risk, nor do they represent any particular insurance company in their dealings with clients.

Information about Insurance Products

Where appropriate and with your consent, all documents of or related to the insurance products may be sent to you electronically. In cases where insurance documents cannot be delivered electronically due to legal constraints, physical forms will be posted to you upon your request.

Information on this Website and all materials to be found pertaining to products and services on offer are not representative of, and thus must not be treated as, the complete description of the particular and individual terms and conditions nor the precise cover provided of that product or service. It is your sole responsibility to seek independent and professional advice and to ensure all details and information provided to this Website and/or to be found are accurate and reliable. In regards to a specific product or service, the terms and conditions of that product or service shall prevail should contradictions arise with the Terms and Conditions herein.

Prior to any cover being confirmed or provided to you, you should fully and faithfully inform Major Compare and/or is insurance broker partners of everything you know, or could reasonably be expected to know that could be relevant in the process or the decision to grant you the requested insurance. You are obliged (i) to disclose every fact which would influence the judgment of a prudent insurer in fixing the premium or in determining whether to underwrite the risk; (ii) not to misrepresent material facts and (iii) not to make fraudulent claims. A fact is material and requires disclosure to the insurer (even if not asked or prompted by the insurer in the proposal form or any other communication between you and the insurer, whether through Major Compare and/or its partners or not) if it is relevant to the nature of the risk sought to be covered. To do otherwise may result in receiving no benefit from your chosen policy.

You agree that submission of your information on this Website shall never in any way be considered as acceptance of any offer and/or your request to purchase any product or service and that nothing on this Website shall be treated as an invitation to do any of these actions. Major Compare and/or its partners request for a policy shall not be construed as an offer by Major Compare and/or its partners to provide a product to you.

You must read and accept all applicable terms, conditions, exclusions, and limitations of any policy before entering any agreement or arrangement with an insurer.

Exclusions of Liability

We shall not be accountable (directly or indirectly) if the information, material, data, knowledge, including but not limited to that from a third party, on the Website is inaccurate, or if there are any errors or omissions within such data, material and information. You must bear in mind that such information could be inaccurate, incomplete or out of date. We will not be held liable (directly or indirectly) for any knowledge, material or data on the Website, whether it has been provided by third parties. You agree that we are not in any way provide any warranty and/or represent that the Website or any information on this Website or any third party website is free from viruses or anything which can have a harmful impact on any technology.

We hold no responsibility for direct or indirect losses or damages arising from an inability to access the Website and from any use of the Website that is beyond our control. We are not accountable or to be blamed for any indirect losses or damages suffered or incurred by you or those which were not predictable as a result of your access and/use of this Website. This includes but not limited to any loss of savings you expect to make, loss of business or business opportunity, loss of profit or revenue or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you are using and accessing this Website. A number of our channels can offer you with access to third party websites who can host reviews concerning a number of the products and services. In some instances you will even be able to access user reviews directly on the Website. The views expressed in third party websites do not represent our views and we shall not be accountable for the accuracy or content of any such views or expressions.

You will be able to apply for a variety of products and services via this Website. The products and services are provided by third parties. You are solely responsible for your choice of product or service. We are not accountable or to be blamed (directly or indirectly) for any loss or harm you will suffer or incur as a result of any product or service you received and/or purchased in a result of or on the basis of using this Website or for any acts, omissions, errors or defaults of any third party in reference to that product or service. Please bear in mind that the data and descriptions of products and services on this Website might not represent the entire descriptions of all the options and terms and conditions of these products and services. You need to make sure that you carefully look at all the options and the terms and conditions of any product or service before purchasing it.

We offer links from this Website and from emails sent to you to third parties. Due to this, we tend to mention websites that are operated by third parties that we do not manage. You access and use these third party websites at your sole discretion and risk. Any links to third party websites are provided for your interest and convenience only. We are not accountable for any loss or harm you will suffer or incur as a result of use of any third party websites or for any acts, omissions, errors or defaults of any third party mentioned on this Website.

Your use of any third party website is regulated by the terms and conditions and privacy policy of that website. Such terms and conditions and privacy policy may totally differ from these Terms and Conditions and our Privacy Policy hereinafter. It is your responsibility to go through the terms and conditions and privacy policy of the relevant third party websites before using that website. We are not responsible or to be blamed (directly or indirectly) for any loss or harm you may suffer or incur due to the terms and conditions or the privacy policy of any third party website or for any acts, omissions, errors or defaults of any third party as a result of their terms and conditions and/or privacy policy.Here are the types of information we collect from you

Information You Give Us

We receive and store any information you enter on our website or give us in any other way. We use the information that you provide for such purposes as responding to your requests, communicating with you and improving your website experience. You provide such information when you search, buy, participate in a contest or questionnaire, communicate with customer service or sign-up for a newsletter. As a result of those actions, you might supply us with information such as: your name; address and phone number.

Automatic Information

We receive and store certain types of information whenever you interact with us. Like many websites, we use a Google Analytics “cookie” which obtains certain types of information when your web browser accesses our website. We would like to make you aware that tools do exist to allow you to browse websites anonymously, thus disabling google analytics. Examples of the information we collect and analyze include: the Internet protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; computer and connection information such as browser type and version; operating system and platform; the full Uniform Resource Locators (URL) clickstream to, through and from our website (including date and time); cookie number; products you viewed or searched for. During some visits we may use software tools such as JavaScript to measure and collect session information, including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.

E-mail Communications

To help us make e-mails more useful and interesting, it is our practice to receive a confirmation when you open e-mail from majorcompare.com if your computer supports such capabilities.

How Secure Is Your Information?

Credit card transactions and premium payments are handled by the 3rd party service providers who protect the security of your transaction information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. It is important for you to protect against unauthorised access to any passwords you have with us and we recommend that you do not submit sensitive financial information on shared or public computers.

Does Major Compare share the information that we receive through our website?

We absolutely hate receiving spam e-mail and would never want to inflict this on anyone especially our customers. As a result we will never sell your personal information to any third parties. With your consent, other than as set out above, you will receive notice when information about you might go to third parties and you will have an opportunity to choose not to share the information.