The Agreement

By accessing our website and utilizing our insurance comparison services, you agree to these terms and conditions, enabling us to provide the coverage you seek from online providers of insurance and financial service products. If you do not accept these terms and conditions, please refrain from using our website. If you have any uncertainties regarding these Terms & Conditions, please contact us.

Our Services

Inursery is a comparison service designed to help you save time and money when searching for energy, insurance or Telecom deals. We strive to present you with the most competitive quotes and the information necessary to make an informed decision about the policy that best suits your needs. While we source various insurance products, we do not offer recommendations or advice. We ask questions to gather quotes, but you are responsible for making the final decision.

Upon completing a quote request on our website, you acknowledge that you will receive an initial email from us confirming your use of our service and saving your quotation details. You cannot opt out of receiving this email.

Your Responsibilities

To obtain a quote using our price comparison service, you must answer a series of questions that cover all requirements of the various insurance and financial service providers and intermediaries. The responses you provide will influence the cost and extent of coverage you receive. If you are entering details for another individual, you must obtain their consent before providing us with their information, particularly sensitive data such as health details or criminal records. By submitting another person’s information, you confirm that you have their permission and that they understand how their data will be used.

You must ensure that all information entered on Inursery is accurate, complete, and truthful, disclosing all relevant and material facts. Providing incorrect or incomplete information may render your selected product invalid, and claims may not be paid.

We are not responsible for the invalidation of your selected product due to errors in the information provided by you or failure to disclose material facts to us or your chosen provider.

It is essential to read the insurance provider’s terms and conditions to confirm your understanding and agreement before purchasing any product. Their terms and conditions differ from ours and will govern the agreement you enter when accepting a quotation.

Once a product is purchased, carefully review all documents issued by the provider to ensure you understand the coverage, financial limits, and applicable terms. Pay special attention to warranties and conditions, as failing to comply with them could void your policy. If you find any discrepancies, it is your responsibility to correct them directly with the provider. If you are uncertain about whether additional undisclosed information is required by the insurer, please contact them before accepting a quotation.

Complaints

We strive to provide high-quality service at all times. However, if you wish to file a complaint, please contact us via phone or write to our Customer Services Manager at inursery, 15 Brayford Square. London E1 0SG.

If your complaint concerns an insurance provider or policy, we will forward it to the respective company and provide you with their contact details. The insurance provider will then address your complaint directly.

A summary of our internal complaints procedure is available upon request. If you remain dissatisfied, you may escalate the complaint to the Financial Ombudsman Service (FOS).

We are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our obligations to you, you may be entitled to compensation, depending on the type of insurance, business size, and claim circumstances. More details are available at www.fscs.co.uk.

Our Liability

These terms do not exclude our liability for personal injury or death caused by our negligence, fraudulent statements made by our employees or agents, or any legal obligation we cannot exclude.

We are only liable for foreseeable losses resulting from a breach of contract. Foreseeable losses are those contemplated by both parties when entering into the agreement.

We are not responsible for indirect losses, including but not limited to loss of income, business, data, profits, contracts, anticipated savings, or wasted office time. However, this does not prevent claims for physical property damage or direct financial losses not otherwise excluded.

We accept no liability for losses resulting from events beyond our reasonable control.

Accessing Our Website

Access to our website is granted temporarily to help you find competitive prices from leading UK insurance and financial services providers. We reserve the right to withdraw or modify services without notice and are not liable if the website is unavailable at any time.

If you receive or create a password as part of our security measures, you must keep it confidential and not share it with third parties. We reserve the right to disable passwords if we believe these terms have been violated.

Third-Party Links

Our website may contain links to third-party websites. These websites are operated independently, and we accept no liability for their content, services, or any associated risks, including viruses or other harmful elements.

Intended Use

This website is for non-commercial, personal use by UK residents, including individuals and businesses seeking their own insurance products and services. Unauthorised commercial use of our website is strictly prohibited, and we reserve the right to take legal action against violators, including those who process multiple quotes for third parties.

Website Content

We strive to ensure the accuracy and timeliness of the content on our website. However, we are not liable for any errors or omissions. We reserve the right to modify or remove website content at any time.

While we take measures to counteract viruses, we cannot guarantee that our website and its content are entirely free from harmful elements.

Intellectual Property Rights

We own or license all intellectual property rights on our website and its content, including logos, trademarks, service marks, domain names, database rights, and design rights.

All content is copyrighted by inursery. Private individuals may print material for personal use under the following conditions:

• The material is not used for commercial purposes.
• The copyright notice is retained.
• Images, logos, and trademarks cannot be reproduced without written permission.

Reliance on Information Provided

The content on our website is for informational purposes only and should not be considered as advice. We disclaim all liability for reliance on such materials.

Amendments to Our Terms

We reserve the right to amend these terms and conditions at any time. Any updates will take effect upon being published on our website.