2. Use of this website
2.1 By using this website you agree that:
2.1.1 Any information you provide to us and or to any Product Provider or Service Provider through this website, including any personal information (“Personal Information)”) is true, accurate, current and complete in all respects;
2.1.2 You will not impersonate any other person, or entity or to use a false name;
2.1.4 Will only use this website for your personal use and if a business user for the purposes of your business’ own insurance needs, and you will not in any way seek to commercially exploit any material and or information displayed on this website;
2.1.5 You will not do anything that affects the integrity or security of this website or causes or may cause harm or unreasonable inconvenience to other users of this website or us;
2.1.6 You will treat any login or security details and passwords as confidential and not disclose them to or share them with any other person;
2.1.7 You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this website, including but not limited to information relating to insurance prices, whether that information has been gained through the use of spiders, data mining, trawling or other “screen scraping” software or system used to extract data.
2.2 You confirm that you are a resident of the United Kingdom, Northern Ireland, Channel Islands and Isle of Man.
Commercial and General Ltd: https://www.comandgen.com/privacy
Insure Now: https://www.now-insurance.com/privacy-policy/
3. Prohibited Uses
3.1 You may not use this website or any of its content:
3.1.1 In any way that breaches any applicable local, national or international law or in any way unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
3.1.2 To harm or attempt to harm minors in any way;
3.1.3 to knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect any computer software or hardware and or its use.
3.2.1 Not reproduce, duplicate, copy or re-sell any part of our site.
3.2.2 Not access, interfere with, damage or disrupt in any way any part of our site.
3.2.3 Use the site or any of its content for your own or any other person’s commercial purposes.
4. Purchasing Insurance Products / Services through this website
4.1 You will need to answer a number of questions in order to obtain the cost for any product. These questions are designed to ensure that we and all relevant product providers have all of the information necessary to provide you with accurate and timely information relating to the products in which you are interested.
4.2 In the case of all insurances the level of cover and the amount you pay is determined by the answers you provide to those questions and therefore you should answer all questions truthfully and fully and to the best of your knowledge and belief. If you fail to provide complete and accurate information:
4.2.1 Any insurance product purchased may be void (meaning you will not be able to make a claim); and/ or
4.2.2 You may have to pay an additional premium under your policy to reflect any increased insurance risk as a result (This will depend on the terms and conditions you have agreed with your product provider).
4.3 The products and services which are offered through this website are designed to offer insurance for the excess of primary insurance policies.
4.4 We do not offer or provide financial, investment or other advice in relation to any of these products and services, so if you consider making a purchase using this website you must decide whether it is suitable to meet your needs. Nor do we carry out any review of the available market for you.
4.5 We do not make any recommendation or endorsement and nor do we offer any financial or another guarantee in relation to the product providers whose products and or services you may access through this website.
4.6: We have been authorised by the insurers whose policies we offer to act as their agent when receiving and holding premium payments and or refunds. This means that when we receive your premium in cleared funds that will amount to confirmation that your premium has been paid. In the case of refunds, our payment to you of the refund will be a proper discharge of the insurer’s liability to make that refund.
4.7 Cancellations: You may cancel your policy at any time during the policy period. For more information on how to do so, please refer to your insurance policy documents under the cancellation section.
4.8 Refunds: If we receive your cancellation request within the cooling-off period of the policy, we shall refund all of the premium which you paid. For further information on the cooling-off period of your insurance, please refer to your insurance policy documents under the cancellation section.
4.9 If we receive your request at any time after the cooling-off period we will provide you with a pro-rata refund of the remainder of the policy period. We will also deduct from your refund an administration fee for the administrative cost of processing the refund and cancellation. For further information on pro-rata refunds or any administrative fees of your insurance, please refer to your insurance policy documents under the cancellation section.
4.10 All refunds will be paid back through our payment handling system to the original debit/ credit card which you used to pay the premium.
5. Limitation of Liability
5.1 We will not be liable for any loss or damage caused by:
5.1.1 A distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to any use by you of our site and or material posted on it; or
5.1.2 If for any reason our site is unavailable at any time or for any period.
5.2 The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. We accept no liability for any commentary, opinion or ratings posted on this website by third parties.
5.3 To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
5.3.1 All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
5.3.2 Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for: loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
5.3.3 Any liability in relation to reliance placed on and or attempt to use as specific advice any opinion and commentary posted on this site.
5.4 Nothing in these Terms excludes any liability which we may have for death or personal injury arising from our negligence, or our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or any other liability which cannot be excluded or limited under applicable law.
6. Intellectual Property
6.1 All intellectual property and intellectual property rights in all information, data and copyright material displayed on or accessible through and or used to support and operate this website, including any software and trademarks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or our licensors. You must not copy, distribute or in any way use such information or copyright material unless you have prior written permission from us to do so.
7.1 We will comply with all applicable data protection legislation in force in respect of the personal data we collect from you.
8. Jurisdiction and Enforceability
9. Complaints Procedure
We aim to provide a high level of service to all our customers but occasionally things can go wrong. When this happens, we will do everything we can to put things right and assist you.
If you wish to make a complaint, please telephone us on +44 (0) 20 3740 4431, or send us an email at firstname.lastname@example.org
For more information on how to complain please look at the complaints sections or please refer to your policy insurance document.
If you remain dissatisfied after Commercial and General Ltd has considered your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service.
The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services. You can find more information on the Financial Ombudsman Service.
Financial Ombudsman Service
Exchange Tower, Harbour Exchange,
London, E14 9SR
Telephone: 0800 023 4567
Telephone: 0300 123 9123
10. Regulatory Disclosures
10.1 Commercial and General Limited is a private company limited by shares which are registered in England (No: 8162356), and whose registered office address is: Unit MCAG02 Building A, Ground Floor, Room 2, Marvan Court, 1 Waldegrave Road, Teddington, TW11 8LZ
10.2 Commercial and General Limited (company number: 3994456) is a firm authorised and regulated by the Financial Conduct Authority (FCA) (FRN 300001).
10.3 Commercial and General Limited does not have permission to hold client money but has the agreement of various insurers to receive and hold premium monies on their behalf and as their agent. Any payment made to Commercial and General Limited by you for onward payment to insurers and or by a product provider for onward payment to you will be held by Commercial and General Limited as the agent of the relevant insurer(s).
Last Updated August 2022