Terms and Conditions

1. Access to our website

Your use of this website (www.compareni.com) and our quote comparison services are subject to these terms and conditions. By visiting our website or using our online quote comparison service, you agree to be bound by these terms and conditions. We may amend these terms of use from time to time, and the revised version will be effective when displayed here.

Owing to the nature of the Internet we cannot guarantee that this website will always be available to users. You should ensure that you have appropriate protection against viruses and other security arrangements in place whilst using the Internet.

By accessing our website, you agree not to:

  • use this website in such a way that disrupts, interferes with or restricts the use of this website by other users;
  • reverse engineer, decompile, copy or adapt any software or other code or scripts forming part of this website or attempt to transmit to or via this website any information that contains a virus, worm, trojan or other harmful or disruptive component; or
  • change, modify, delete, interfere with or misuse data contained on this website.

2. About compareni.com

This website is owned and operated by Seopa Limited (referred to in these terms and conditions as ‘Seopa’, ‘we’ or ‘us’), a company registered in Northern Ireland (Company Registration number NI46322).

Seopa’s registered address:

  • Seopa Ltd
  • Blackstaff Studios
  • 8-10 Amelia Street
  • Belfast
  • BT2 7GS

Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our register number is 313860. Our permitted business is non-investment insurance mediation. Seopa Ltd is also authorised and regulated by the FCA for consumer credit brokerage under reference 562238. Seopa Ltd is a data controller under the Data Protection Act 1998, and is listed on the data protection register, Registration # Z8733752.

3. Our services

(a) Quote Comparison service and Internet Directory

Our website provides a quote comparison service and internet directory - we are not an insurance or financial broker, lender or energy supplier. We allow you to use our website and our quote comparison service free of charge to compare quotes for a wide variety of financial products from a number of insurers, finance companies and other third parties. We shall provide you with the quotes we obtain from these third party companies using the information you submit through the forms on this website.

Our website is provided for the personal use of individuals only and you may not provide access to our services or the results of our services to any third parties or use them for any commercial purposes.

If you wish to obtain an insurance or financial product from one of these companies when we have provided you with the quote comparison, you should contact the company direct. In most cases, we shall provide you with a link to the relevant companies websites when we respond to your request for a quote comparison. You should check your details on the companys website thoroughly before proceeding to accept a quote. If you choose to accept a quote from a third party obtained using our website, you will enter into a contract directly with that third party company and that companys own terms and conditions will apply to your relationship with that company. In order to reduce the number of fields you must fill in when you submit a request for a quote comparison, we shall make a number of assumptions about you. For example, we may assume that you do not have any medical conditions that could affect your insurance premium when we get quotes through our car and van insurance systems. The quotes we obtain will be based on these assumptions. If you choose to accept a quote from a third party obtained using our website, you should check that the insurance provider has not made any inaccurate assumptions about you based on our request for a quote.

Some providers when they return quotes to our system, may include add on products. When they do we can only either provide a generic description of those products or provide you with information the provider has given to us. You should check these extra products with the provider to make certain you are interested in them and that they are suitable for your needs.

Some providers will include extra items in their quotes. They hope that those extra items may make their offer more attractive to you. To try to balance up quotes we may include some indication of what typical add ons might cost if you were to purchase them separately. We do this to make the comparisons more equal. These are only an indication and any description is only a generic description.

Where a provider offers monthly payment of premiums that may be because the insurer offers that alternative or it may be that the provider can offer that service by offering you the option to select Premium Finance. We may not be aware of which option the provider is using. They should make that clear to you when you visit their site to look more closely at the quote they have provided. This is something the provider offers and is not an arrangement through us.

(b) Insurance Estimates

i. Insurance Estimates

The insurance estimates, insurance estimator and the full quote system is owned and operated by Seopa Ltd who are authorised and regulated by the FCA as detailed above. By using the insurance estimates, insurance estimator and the full quote system you are agreeing to these terms and conditions and our Privacy Policy. However, please note that information that you provide into the insurance estimator will not be passed to any third parties (except where you have agreed to this), will not be used for our marketing purposes and will not be sent outside of the EEA.

For the avoidance of doubt, this section of our T&Cs relates to insurance estimates provided in our insurance estimator. This is different to our standard insurance comparison services mentioned above at section 3 (a) which provides formal quotes rather than indicative estimates. Any price or premium estimate returned using the insurance estimator system is a guide only and does not represent any formal quote and should not be treated as such. By using this Insurance Quote Estimator you agree that the price produced is an estimate based on the information you supply in the form combined with generic data we hold about what other drivers were quoted based on factors such as age, postcode and vehicle group. We will use data from across Northern Ireland to generate our insurance estimates. The user acknowledges that the data will also be partly based on subjective market judgements. Insurance premiums are calculated on a much wider range of factors which are unique to you and to get a quote for comparison purposes you will need to complete the full comparison form. Its your responsibility to ensure that all information inserted into the insurance estimator is correct. We are not in any way responsible for any inaccuracies in the guide estimate provided by the insurance estimator unless such inaccuracies are a direct result of our negligence.

ii. How the insurance estimates figures are calculated

Car Insurance Quotes

The estimates are based on all car insurance quotes carried out through the Seopa comparison system for Low Risk Drivers over a 3 month period within the past 6 months which meet the following criteria:

  • The driver is a resident of Northern Ireland and is the Owner and Registered Keeper of the vehicle with a full UK licence;
  • The driver has no claims, no convictions, and has never had insurance declined or cancelled or special terms imposed;
  • There are no additional drivers;
  • The car to be insured has not been modified or imported (grey imported);

Recent quotes used for the purposes of the estimate include third party, third party, fire and theft and comprehensive cover.

4. Your responsibilities

Its your responsibly to ensure that all information used by an insurer in arranging an insurance policy for you is correct. You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge. If you have reason to believe that your knowledge is not sufficient to provide an answer to a question then you agree to check before answering that question. We are not in any way responsible for any inaccuracies in any insurance policy taken out by you from any insurance company or broker, whether or not they are listed on this website unless such inaccuracies are a direct result of our negligence and could not have been picked up by you checking the application answers with the provider before committing to the insurance cover and/or other financial services and products.

We are not able to advise on the suitability of any product for you and it is your responsibility to discuss your insurance and/or financial requirements and details with any insurer, broker, or company before taking out an insurance policy or entering into any other financial agreement. Failure to do this could for example result in you taking out insurance which is not suitable for your requirements and which may be inadequate in the result of a claim.

5. UK residents only

The quote comparison services we provide through this website are only available to residents of the United Kingdom that require insurance in respect of private cars or vans within Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Not all quotes will be available to all regions (for example, some insurers will not provide cover for Northern Ireland residents).

6. Our Liability

While we take reasonable steps to ensure that the information contained on our website is accurate, we do not accept any responsibility or liability whatsoever in contract, tort or otherwise for any loss or damage caused by or arising directly or indirectly in connection with any use or reliance on the contents of our website or our quote comparison service except to the extent that such liability cannot be excluded by law.

In particular, we rely on the information you have provided to us and the quotes we obtain from third party companies. Although we hope that the quotes we obtain should allow you to identify which companies are most likely to offer you a competitive premium, you should contact these companies direct to obtain an accurate quote. Accordingly, we do not accept responsibility for the accuracy of any quotes displayed to users of our site. The display of a quote on our website in not a representation from us that insurance will be available to you at the price shown. This website, any information or other material contained in it, and our quote comparison services are made available strictly on the basis that you accept them on an as is and as available basis. If you rely on any information or other material contained in our website, you do so entirely at your own risk and you accept that all warranties, conditions and undertakings, express or implied, whether by common law, statute, trade usage, course of dealings or otherwise in respect of this website are excluded to the fullest extent permitted by law. Nothing in these terms of use shall exclude our liability to you for fraudulent misrepresentation by us or our employees or for death or personal injury resulting from our negligence or that of our employees.

You may create a hypertext link to the homepage of this website at http://www.compareni.com provided that such link is not used in a misleading or defamatory context. You may also create links to other pages forming part of the website. We do reserve the right to ask you to remove any links to our site and its pages or files at our own discretion.

Links to other websites, advertisements for, or references to, other companies mentioned on our website are there for information purposes only. We have no control over and therefore do not accept responsibility for the content or accuracy of information contained within these third party sites, nor for the services offered by third party companies.

8. Use of your personal information

We shall use any personal information you provide to us through our website in accordance with our Privacy Policy.

All material contained within our website is Seopa Limited 2006 unless otherwise stated. You may download, print and view extracts from our website for your personal use but must not otherwise copy, reproduce or redistribute any part of our website without our prior written consent. In particular you must not reproduce or exploit any part of our website for commercial gain. All other rights are reserved and users must ask our permission before making any other use of material contained in this website.

10. Governing law

These terms and conditions and your use of our website shall be governed by the laws of Northern Ireland and you agree to submit to the non-exclusive jurisdiction of the courts of Northern Ireland in respect of any dispute in relation to your use of our website.

11. Contacting us

If you have any queries about these terms and conditions, please contact us by emailing moc tod inerapmoc ta ofni.

Initial Disclosure Document:The Financial Conduct Authority require us to present you with an Initial Disclosure Document which you must read before you make a purchase. This document is located here: http://www.compareni.com/idd/CompareNI-IDD.pdf