Terms and Conditions
1 About Compare NI
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) and our registered address is;
Seopas registered address:
5th Floor Link Building, Adelaide Exchange
24-26 Adelaide Street
2 Access to our website
We provide quote comparison services via our website www.compareni.com (the provision of our website and our quote comparison services, altogether, our Services). By using our Services (and in consideration for £1, the receipt and adequacy of which we hereby acknowledge), you are agreeing to enter into a contract with us on the terms (Terms) set out below and to be legally bound by these Terms with effect from the date of such use.
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.
3 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; and or
- 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; and or
- change, modify, delete, interfere with or misuse data contained on this website.
4 Our Insurance Intermediary services
Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA) as a non-investment insurance intermediary and when acting as a credit broker (we are not a lender). Our register number is 313860. Please see our initial disclosure documents for online services which provide further information on parts of our non-investment insurance intermediary activities.
For other insurance mediation work we provide an offline quote comparison service, a directory of potential service suppliers or adverts from service providers.
When providing our online quote comparison service, we will publish the relevant quotes from third party providers. For our offline service, third party providers will contact you directly regarding quotes. In both cases the quotes come from the third party providers and are not produced by Seopa. If you wish to take up a quote then you are accepting that quote as provided by the third party provider and you will be purchasing the insurance policy directly through them and will be subject to their own terms and conditions and their service procedures. You will not be purchasing the insurance policy or breakdown policy from us.
We do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide a recommendation or endorsement of product or service providers.
We do not control the price, length of offers, or conditions relating to price comparison quotes. These are set by the providers. If you obtain a quote and would like to see how long it is valid for or any conditions relating to it, please click through to the links contained on our website to the provider’s website or contact them directly. Providers’ prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.
Where a provider offers monthly payment of premiums that may be because the provider 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 (and or it may be something they discuss directly with you should they contact you). This is something the provider offers and is not an arrangement through us.
All prices quoted on our website are inclusive of Insurance Premium Tax (IPT) where applicable. This is a levy on insurance premiums set by the UK Government. The amount charged by providers could change if IPT rates are amended by the Government at short notice.
The quote comparison services we provide through this website are only available to residents of the United Kingdom that require insurance or other financial products 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).
5 Your responsibility when purchasing insurance
It’s your responsibly to ensure that all information used by a provider or third party in arranging an insurance policy or financial product 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 or financial product taken out by you from any insurance provider or other third party, 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 your checking the application answers with the provider or third party 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 provider before taking out an insurance policy or entering into any other financial agreement. Failure to do this could result in you taking out insurance or entering into a financial product which is not suitable for your requirements and which may be inadequate in the result of a claim.You should therefore always check the suitability, adequacy and appropriateness of the product that is of interest to you. It is your responsibility to satisfy yourself that you wish to obtain any product before selecting it. Please see the Demands and Needs statement for more information.
If you are purchasing a product from a provider you should read their terms and conditions. The provider’s terms and conditions will cover any transaction or agreement between you and the provider, whereas these Terms and Conditions agreed with us relate to your use of this website.
The display of a quote on our website is 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.
6 Insurance estimates
For the avoidance of doubt, section 6 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 4 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. Where the postcode submitted is not recognised we will use data from across the UK. 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.
It’s 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.
How the insurance estimator for car insurance works:
The estimates are based on all car insurance quotes carried out through the CompareNI 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 the UK 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.
7 Ban from using our web site for commercial purposes
Our website is provided for the personal use of individuals (and businesses in respect to commercial/business products) 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.
8 Our right to ban or suspend someone from using our services.
We may issue a warning, suspend or terminate your right to use this website if you: (i) substantially breach any of these Terms and Conditions; (ii) infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or (iii) if you are using this website to commit or attempt to commit a criminal offence.
9 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.
For our insurance intermediary services we rely on the information you have provided to us and the quotes we obtain from third party providers. Although we hope that the quotes we obtain should allow you to identify which providers are most likely to offer you a competitive premium, you should contact these providers directly to obtain an accurate quote. Accordingly, we do not accept responsibility for the accuracy of any quotes displayed to users of our site.
Similarly, we accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any financial product you apply for does not meet your requirements or is not suitable for you.
10 Links from third parties
You may create a hypertext link to the homepage of this website at https://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.
11 Links to third party sites
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.
12 Use of your personal information
By using our Services, you are acknowledging that you understand the scope of our Services and how we use Personal Data (as such term is defined in the GDPR) relating to you.
13 Intellectual Property
All information, data and copyright material contained on this website, including any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.
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.
CompareNI.com is a trading style of Seopa Limited which has similar ownership connections to Apricot Insurance Services Limited. This has no impact on how CompareNI is operated or controlled as the companies are completely separate businesses. Since the success of CompareNI is based on impartial comparison for our consumers, we do not favour the Apricot brand on any of our services – we list comparison results based on factors such as price and policy features.
Seopa Limited also trades as Quotezone.co.uk in the UK.
15 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 exclusive jurisdiction of the courts of Northern Ireland in respect of any dispute in relation to your use of our website.
16 Contacting us
If you have any queries about these terms and conditions, please contact us via our contact us page –Click Here .
17 Complaints regarding our non-investment Insurance intermediary services and credit broking services Complaints
Our complaints procedure is contained within our Initial Disclosure Document(s), please see section 4 above or see our complaints procedure here.
18 Energy/Utilities Complaints
Our energy/utilities complaints procedure can be viewed here.
19.1 Energy product comparison services
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 company’s own terms and conditions will apply to your relationship with that company.
19.2 UK residents only
The energy product comparison services we provide through this website are only available to residents of mainland United Kingdom. Not all energy products will be available to all regions.
19.3 Your responsibilities
It is your responsibly to ensure that all information used by a third party in providing a quote to 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 able to advise on the suitability of any energy product or related service for you. Before you apply for any energy product you must carefully read the terms and conditions of the product, the energy suppliers terms and conditions and any other documentation that applies to the product. You must familiarise yourself with all the details of the product, for example, unit rates, any early cancellation charges, restrictions, exclusions, conditions and obligations which apply to the product. Failure to do this could for example result in the selection of an energy product or related service which is not suitable for your requirements. We accept no responsibility or liability whatsoever for any loss or damage you may suffer or incur in the event that any energy product you apply for does not meet your requirements or is not suitable for you.
Should you enter into a contract with an energy supplier as a result of obtaining a quote through us, you shall be responsible for transmitting all payments due to energy suppliers on the terms agreed with the relevant energy supplier. We shall have no responsibility for transmission of payments to an energy supplier.
19.4 Our Liability
We rely on the information you have provided to us and the quotes and energy product information we obtain from third party companies. We hope that the quotes we obtain should allow you to identify which energy product or related service is most suitable for your needs. Accordingly, we do not accept responsibility for the accuracy of any quotes or energy product details displayed to users of our site.
The display of a quote on our website is not a representation from us that an energy product or related service will be available to you at the price shown. 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.