These Terms & Conditions govern your use of the Insurance Guides website (insuranceguides.co.uk). By accessing or using this site, you agree to be bound by these terms. Please read them carefully.
1. General Information Only — Not Advice
Insurance Guides is a general information website. Nothing on this site constitutes financial, insurance, legal or professional advice of any kind. The content published on this site is intended to help readers understand general concepts relating to UK insurance products and regulation, and is not tailored to your individual circumstances, needs or financial situation.
You should not rely on any content on this site as a substitute for advice from a qualified, FCA-authorised financial adviser or insurance broker. Before purchasing, cancelling or amending any insurance policy, you should always obtain independent, regulated advice appropriate to your own circumstances, and read the full policy documentation, including the policy wording and Insurance Product Information Document, provided by the relevant insurer.
2. No Recommendation or Endorsement
Insurance Guides does not sell, arrange, broker or recommend any specific insurance product, provider or policy. Any mention of insurance types, features or industry practices is for illustrative and educational purposes only and should not be interpreted as a recommendation to buy, avoid or switch any particular product or provider.
3. Accuracy of Information
While we make reasonable efforts to ensure the information on this site is accurate and up to date at the time of publication, insurance products, market practices, regulations and tax rules (including but not limited to Insurance Premium Tax rates, FCA rules, and FSCS protection limits) change over time. We do not guarantee that any information on this site is current, complete or error-free, and we accept no liability for any loss or damage arising from reliance on content published here. Always verify current details directly with the relevant insurer, government body or regulator.
4. Calculators
Any calculators provided on this site (including the Voluntary Excess Calculator and No Claims Discount Calculator) produce estimates only, based on general, illustrative assumptions about typical UK market pricing patterns. They do not constitute a quotation from any insurer, do not guarantee any specific outcome, saving or premium, and should not be relied upon as a substitute for an actual insurance quote.
5. Limitation of Liability
To the fullest extent permitted by law, Insurance Guides, its owners and contributors accept no liability for any direct, indirect, incidental or consequential loss or damage arising from your use of, or reliance on, this website or its content, including any decisions made regarding insurance products based on information found here.
6. Third-Party Links
This site may contain links to third-party websites, including insurers, comparison sites, government services and regulatory bodies. We are not responsible for the content, accuracy or practices of any third-party website, and inclusion of a link does not constitute an endorsement.
7. Intellectual Property
All content on this site, including text, graphics, logos and design, is the property of Insurance Guides unless otherwise stated, and may not be reproduced, distributed or republished without prior written permission, except for reasonable personal, non-commercial use.
8. Changes to These Terms
We may update these Terms & Conditions from time to time. Continued use of the site following any changes constitutes acceptance of the revised terms.
9. Governing Law
These terms are governed by the laws of England and Wales, and any disputes arising from use of this site shall be subject to the exclusive jurisdiction of the courts of England and Wales.
10. Contact
If you have any questions about these Terms & Conditions, please get in touch via our contact page.
Last updated: September 2026.