Terms and Conditions.

By using our service you are deemed to have agreed to the terms set out in this document.

How Policyclever works

We’re an online insurance comparison website that provides people who may be over 55 or may have pre-existing medical conditions an easy way to find suitable travel and health insurance.

We advertise various insurers by displaying information about their products on our site.

Our visitors (you) may choose to click through to an advertiser via a link or “Get a Quote” button, where you may choose to purchase their products directly with them.

Policyclever receives a commission for every new customer sent to an advertiser. This is called affiliate marketing and we are remunerated on a per conversion basis and are never provided with any information that may identify you.

Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct.

Because of this, we do not accept liability if things go wrong and by using this website you accept that you use the information at your own risk.

This site does not provide medical advice, diagnosis or treatment of any medical conditions. You should always consult a medical professional to ensure you are healthy and fit enough to travel.

The information on our site does not constitute financial advice or advice or any sort.

Always do your own research for your specific circumstances as the information contained within this site is built to offer generic, not bespoke guidance.

We always endeavor to provide accurate product and price information, but products and rates issued by our panel of providers are live and subject to changes outside of our control and without warning.

Occasionally we link to other websites to provide you with additional information or guidance. We can’t be responsible for their content.

We aren’t owned by any insurance companies (or have any favourites) so the information we present on our website is unbiased.

1) Our Service

We are an online only travel and health insurance comparison website. We work hard to ensure that we have a wide selection of products from specialist insurance providers for you to research and compare.

We don’t offer you advice or make any recommendations on what policy is right for you, but we do try and give you the information you need to help you decide if you should explore a policy further on a provider’s website. Always refer to information provided by our advertisers on their own websites to make any decisions on insurance policy products.

Our service is only available to UK residents (which excludes the Channel Islands) and who are registered with a UK doctor.

By using our service, you are also deemed to have accepted our privacy terms as set out in our Privacy and Cookie Policy.

2) How Our Service Works

Select any of the advertised brands that appeal to you by clicking our “Get a Quote” links from any of our online content. You will then register directly with your chosen insurer as a new customer. Policyclever.com collects no personally identifiable information about you.

Policyclever generates commissions from any new customer sign ups our advertisers receive via the anonymous traffic we send to them.

3) Use of the Website

We reserve the right to change, modify, substitute, suspend or remove any material or content on the Website without notice, from time to time without there being any liability on our part. You further accept that such changes may result in your being unable to access the Website or part of it. We may have to suspend the Website from time to time to carry out maintenance and to make upgrades.

The Website is intended for your personal non-commercial use only. You agree to use the Website only for lawful purposes, and in a manner that does not infringe the rights or, restrict or inhibit the use of this Website by any third party.

You agree not to interfere or gain entry to the Website with intent to corrupt, damage or deny service.

You may operate a link to the Website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply any form of association, approval or endorsement by us without prior written consent. We reserve the right to withdraw any linking permission at any time.

You are not permitted to use the Website:

To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person in a way that invades another person’s privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or damaging as determined by us.

To tamper with, modify, reverse engineer, copy or amend any part of the Website.

Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system.

4) Intellectual Property

The Copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text graphics, and their selection and arrangement, all software complications, underlying source code and software belong to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a copy for your own non-commercial personal use.

5) Disclaimer

Every effort is made to ensure that this website is accurate and up to date and it is our aim to correct errors or omissions as soon as possible.

Nothing within the Website is or should be considered as financial or other advice or a recommendation to purchase any product or service.

We recommend that independent professional advice is sought before you purchase any insurance product or service. You should always check the suitability, adequacy and appropriateness of the product that is of interest to you. It is your sole decision to obtain or refrain from obtaining any product this Website refers to.

Nothing on the Website is, or shall be deemed to constitute an offer by us to sell to you any product or service or to enter into any contract with you in respect of any product or service. By exiting this site via a “Get a Quote” link, you are making an offer to obtain the relevant product or service from the relevant insurance provider on its terms and conditions.

6) Jurisdiction

If you live in England and Wales, the conditions of use will be governed by English law and the Courts of England and Wales.

If you live in Scotland, these conditions of use will be governed by Scottish law and the Courts of Scotland.

7) Keeping Your Information Safe

We take your privacy very seriously. Your legal rights are protected, and we promise to do all we can to protect your privacy as set out in our Privacy Policy. We do not collect or store personally identifiable or sensitive data about you such as name, address, age, gender and so on.

8) Exclusions of Liability

We use reasonable endeavors to ensure that the data on the Website is accurate and undertake to correct any errors or omissions. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.

We do not accept any responsibility or liability for any loss damage you may suffer or incur if any information, content, material or data you provide on the Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts to one of our advertisers.

We are not responsible or liable for the accuracy or content of any views or expressions made on this website.

We do not give any warranty that the Website is free from viruses or other harmful elements, which may affect any technology.

Due to the nature of electronic transmission of data over the Internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.

We do not exclude or limit our liability for death or personal injury arising as a result of the negligence of us, our employees, agents or authorised representatives, or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (‘FSMA’) or any conduct of business rules developed pursuant of FSMA.

You shall indemnify us in respect of all costs (including legal costs on a full indemnity basis), losses, expenses and claims in respect of or in connection with:

a) Any improper use by you of the Website

b) Any breach by you of any of these Terms or any relevant legislation or regulations; and

c) Any claim brought against us as a result of or in connections with your actions or omissions

As you view the Website, there may be reference to specific terms and conditions which apply to certain products and services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.

9) Force Majeure

If we are unable to perform our obligations to you (or able to perform them only at unreasonable cost) because of circumstances beyond our control, we may then cancel or suspend any of our obligations to you, without liability. Examples of those circumstances include act of God, accident, explosion, fire, transport delays, strikes and other industrial disputes.

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