1. General

By using this website, you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, you should not use this website.

We may change these Terms and Conditions from time to time. We will give you notice of any changes by posting those changes on our website. We will not vary any terms and conditions which you previously agreed whilst using this website. However, any amended Terms and Conditions will apply to your use of this website from the date they are posted and if you do not agree with the amended Terms and Conditions, you are entitled to stop using this website at that time.

2. Definitions

“quote” means a price provided by a product or service provider for comparison with other quotes based the information you have provided. In providing you with a quote we are not able to guarantee the availability of the product, the service or the price set out as you will need to deal with the product or service provider direct to make a purchase

3. Regulation

Lifecoverquote is a trading style of MPI FS LLP. MPI FS LLP trading address is: MPI FS LLP, Suite 156, 80 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU. MPI FS LLP are a member of the Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register Number is 522482. These details can be checked on the FCA’s register by visiting their website http://www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768. The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you. This Terms of Business comes into force on the date you receive it from us and will remain in force until you are provided with revised terms, it sets out the terms on which we agree to act for you and contains details of our regulatory and statutory responsibilities. Please contact us immediately if there is anything in these terms of business that you do not understand or with which you disagree.

4. Firm Details

We are registered in the United Kingdom; our registered office is; MPI FS LLP, Suite 156, 80 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU; our Companies House registration number is OC354540. Registered with Information Commissioner (Data Protection) Office under Registration No. Z2346007.

5. Our Service

In arranging insurance for our customers, we act as an independent intermediary and have access to a specific range of Insurers within the market. You will not receive advice or a recommendation from us. We will ask questions to narrow down the product we provide details on. You will then need to make your own choice about how to proceed. We will give you full details of any such arrangements before you make any commitment on any product. If we are unable to place your insurance(s), we will inform you of this.

6. Disclosure

It is your responsibility to provide complete and accurate information to us and Insurers when you take out an insurance policy, throughout the life of the policy and when you renew your insurance. Failure to disclose facts; pertaining to your insurance, or any inaccuracies in information given, could result in your insurance being invalid or cover not operating fully. It is important that you ensure all statements you make on Proposal Forms, Claim Forms and other documents are true, full and accurate. If a form is completed on your behalf, you should check that the answers shown to any questions are true and accurate before signing the document. You are advised to keep copies of any correspondence you send to us or direct to your Insurer. The disclosure of information applies not only at commencement and renewal but also throughout the duration of the policy cover. If you are uncertain as to what constitutes material facts, you are welcome to seek clarification from us or the insurance provider.

If you are purchasing or using a product or service provider’s website directly you should also read their terms and conditions. The product or service provider’s terms and conditions will cover any transaction or agreement between you and the product or service provider, whereas these Terms and Conditions agreed with us relate only to your use of this website.

7. Validity of quote

We do not control the price, length of offers, or special conditions relating to price comparison quotes. These are set by product or service providers. If you obtain a quote and would like to see how long it is valid for or any special conditions relating to it, please click through the links contained on our website to the product provider or service provider’s website. Product and service providers’ prices, rates and offer times are updated and amended on a regular basis so our price comparisons are subject to change.

8. Delivery of quotes

Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, “non-standard” or “high risk”. If this is the case, you should contact a provider directly to discuss your requirements.

9. Responsibility for content

We are responsible for ensuring that we accurately reflect product or service quotes via our third-party price comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with data protection legislation.

We will use our best endeavors to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.

We are not responsible for any commentary, opinions, ratings or other postings on this website by third parties.

Product or service providers and third-party websites are responsible for failings or errors on their websites and may have a separate duty of care to you.

10. What will you have to pay us for our services?

MPI FS LLP, trading as Lifcoverquote.com do not charge a fee for their service; however, we do receive a commission from the insurer for arranging your policy.

11. How to make a claim

It is vital in the event of a claim that you contact your chosen insurer directly. The details of how to make a claim is covered in your policy documents. Please provide the insurer with as much information about what has happened as soon as possible. Before registering a claim please ensure you have checked the policy documents carefully.

12. Confidentiality & Data Protection / Access to records by a regulator or complaints resolution body

All personal and sensitive information about our customers is treated as private and confidential. Unless we are notified of any changes, we shall assume the personal and sensitive data we hold about our customers is correct and shall use it to provide quotations when policies fall due for renewal. In the interest of security and to improve our service, telephone calls may be monitored and/or recorded for training purposes.

Under the Data Protection Act 1998, individuals have a right to see personal information about them that we hold in our records. A charge may be made for this service. If you wish to exercise this right, or have any other related queries, you should write to us at the address stated above.

Data will not be transferred by us to any other firm or company with the exception of Insurers. We may also provide information to our regulators and their successors (where we are required to do so by law) and pass information about you and details of your payment record with us to credit reference agencies for the purpose of arranging payments by installments.

13. Complaints

It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint please contact us by writing to: The Compliance Manager, Best Practice IFA Group Limited, Sussex House, North Street, Horsham, West Sussex RH12 1RQ, alternatively by telephone on: 01403 334455.

However, if your complaint is regarding the handling of a claim or the policy, please contact your insurer directly and complete their complaints procedure, whose details can be found in your policy documents.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.

If it is not possible to reach an agreement, you have the right to resolve the matter with the Financial Ombudsman Service at, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800.

14. Cancellation Rights

You have a legal right to cancel your policy for any reason, subject to no claims having occurred, within 30 days (life) or 14 days (general insurance) of receiving the full terms and conditions (please refer to the policy document for cancellation period). You will always be advised where this right applies.

15. Premium

You must provide the premium due in cleared funds in accordance with the amounts and payment dates specified in our debit notes. Failure to meet the payment may lead to Insurers cancelling your policy. Where Insurers have specified that the premium must be received by a certain date, failure to comply can result in the automatic termination of your insurance contract. We may provide you with details of how to spread your payment through a credit facility. We will give you full information about these options and the interest payable.

16. Security

We have regard to the financial standing of any Insurers with whom we place insurance. However, we do not guarantee the solvency of any insurer we place business with. Your liability for the premium, whether in full or pro-rata, may arise under insurances even where a participating Insurer becomes insolvent or goes into administration.

17. Policy Documentation

We aim to produce evidence of cover in a timely manner. This will confirm the basis of the cover, give details of the Insurer(s), and include a debit note. You will be given an explanation of any changes, where necessary and in good time, which might appear in your policy.

You should read through all policy terms, conditions and warranties shown on your policy documentation. Please ensure you understand them and are able to follow their requirements exactly. If not, please inform the insurer immediately as a breach of any Terms, Conditions or Warranties may enable your Insurers to terminate your policy from the date of that breach and/or repudiate a claim under your policy. Please contact the insurer immediately if there is anything in it that you do not understand. Failure to comply with the terms and conditions of the cover provided may mean that Insurers will not pay your claim.

18. Policy Fees/Charges

Our remuneration will be a commission payment paid by the Insurer. We may, at our discretion, make an additional charge to cover our administration costs in the following circumstances: policy commencement, at renewal, mid-term adjustments, cancellation or duplicate documents. Any fee charged will be agreed verbally with you prior to the aforementioned occurring and confirmed in writing.

19. Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS (fscs.org.uk/what-we-cover/products/).

20. Data Protection Act 1998

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

21. Conflicts of Interest

The firm will manage conflicts of interests fairly. Where a conflict of interest exists which cannot be resolved, the firm will inform you of the conflict and obtain your consent before proceeding any further.

22. Governing Law

This agreement shall be governed by the laws of England and Wales and the parties agree herewith that any dispute arising out of it shall be subject to the (non) exclusive jurisdiction of the English Courts.