1. Preliminary Notice
a. General
These Terms and Conditions govern your use of this website and all related services provided by Quotix Motor Insurance Price Searcher (“we”, “our”, “us”). By accessing or using www.quotixmotorinsurance.co.uk
, you agree to be bound by these Terms and Conditions in full. If you do not agree with any part of these Terms and Conditions, you must immediately discontinue your use of this website and our services.

b. Amendments
We reserve the right to update or revise these Terms and Conditions at any time without prior notice. Any modified Terms and Conditions will take effect from the date they are published on this website. You are encouraged to review this page regularly to remain informed. Continued use of the website following any amendments constitutes your acceptance of the updated Terms and Conditions.

c. Integrity of Use
You agree not to engage in any activity that could compromise the security, performance, or integrity of this website, or cause unreasonable disruption or inconvenience to our staff, systems, or other users. This website, www.quotixmotorinsurance.co.uk
, is owned and operated by Quotix Motor Insurance Price Searcher, an independent online-based company providing insurance price search and comparison services.

2. Introduction
2.1
All access to and use of this website is governed by these Terms of Use. By continuing to browse or interact with the site, you confirm that you have read, understood, and accepted these Terms.

2.2
If you violate any provision within these Terms of Use, your right to access or use the website will terminate immediately without notice.

2.3
This website is designed exclusively for UK residents aged 18 years or older. Please note that the content, product information, and pricing displayed on this site are updated regularly and are subject to change or withdrawal at any time without prior notice.

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2.5
Quotix Motor Insurance Price Searcher acts solely as a consultancy and intermediary service provider of a clerical nature. We are not an insurer, underwriter, or broker, nor do we sell insurance directly.

2.6
We do not provide financial advice or personal recommendations regarding the suitability of any insurance product. While we may summarise policy features, the decision to purchase rests entirely with you.

2.7
Quotix Motor Insurance Price Searcher operates independently and is not affiliated with any insurance provider or underwriting entity. Our role is limited to researching and presenting available insurance quotations on behalf of clients.

3. Privacy Policy
3.1
We are committed to safeguarding your personal information. For full details on how we collect, process, and protect your data, please review our Privacy Policy, accessible via this website.

3.2
By using this website, you acknowledge and agree to our Privacy Policy and consent to our data practices as described therein. We comply with all applicable data protection laws, including the Data Protection Act 2018 and the UK General Data Protection Regulation (GDPR).

4. General Provisions
4.1
Quotix Motor Insurance Price Searcher acts as an independent intermediary and does not provide regulated financial services. We do not advise, arrange, or administer any insurance policies. We merely assist in identifying potential insurance options based on information provided by you.

4.2
If any provision of these Terms is found invalid or unenforceable by a competent authority, the remaining provisions shall remain valid and in full effect. These Terms are governed by English law, and any disputes arising under them shall be subject to the non-exclusive jurisdiction of the English courts.

4.3
Except where otherwise expressly provided, these Terms and Conditions apply solely between you and Quotix Motor Insurance Price Searcher. No third party shall have any right to enforce any term of this agreement under the Contracts (Rights of Third Parties) Act 1999.

5. Scope of Services and Regulatory Limitations
In accordance with the Financial Services and Markets Act 2000 (FSMA) and the Regulated Activities Order 2001 (RAO), our operations do not involve the following regulated activities:

5.1
• Accepting deposits or arranging insurance cover
• Effecting or carrying out contracts of insurance as a principal
• Assisting in the administration or performance of a contract of insurance

Under Section 19 of the FSMA, individuals or entities are prohibited from conducting regulated activities in the UK unless they are authorised or exempt. Quotix Motor Insurance Price Searcher operates entirely outside the scope of regulated activities and is therefore not required to be authorised or regulated by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA).

6. No Financial or Investment Advice
6.1
Quotix Motor Insurance Price Searcher does not offer any form of financial, investment, legal, or professional advice. Nothing on this website should be interpreted as such. Information provided is for general guidance and comparison purposes only.

6.2
Our services do not include the following activities:

Issuing or handling electronic money

Dealing in or arranging investments

Managing investments or collective investment schemes

Providing or administering home finance or mortgage activities

Offering advice on pensions, investments, or financial products

Engaging in Lloyd’s market activities or funeral plan contracts

Operating multilateral trading facilities or similar regulated platforms

Your decisions based on any information provided on this website are made entirely at your own risk.

7. Regulatory and Compliance Statement
7.1
As outlined above, Quotix Motor Insurance Price Searcher does not engage in regulated activities as defined under the FSMA 2000. Therefore, we are not authorised or regulated by the FCA or PRA.

7.2
We are, however, fully registered with the Information Commissioner’s Office (ICO) for data protection compliance and operate under the Data Protection Act 2018 and GDPR guidelines.

7.3
Regarding payment processing, we partner with Squareup International Limited and adhere to Payment Card Industry Data Security Standards (PCI DSS) to ensure that all financial transactions are handled securely and compliantly.

8. Miscellaneous
a. Severability
If any provision within these Terms of Use is deemed invalid or unenforceable, that provision will be replaced with a valid one that most closely reflects the original intent, without affecting the remainder of the Terms.

b. Non-Waiver
Failure by either party to enforce any right or remedy under these Terms shall not constitute a waiver of that right or prevent further enforcement.

c. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Quotix Motor Insurance Price Searcher regarding your access to and use of this website. They supersede any prior terms or agreements that may have been in place.

4. Third-Party Products
4.1 Third-Party Providers
Through www.quotixmotorinsurance.co.uk
, you may have access to a range of insurance and related products provided by independent third parties. Quotix Motor Insurance Price Searcher does not own, control, or operate these products or services. It remains your sole responsibility to ensure that any product you choose is suitable for your individual needs and circumstances.

Before proceeding with any purchase or agreement, we strongly advise that you carefully review all relevant policy documentation, including product features, exclusions, and terms. The inclusion of a product or provider on this website should not be interpreted as an endorsement, recommendation, or approval by us of that provider, their products, website content, or business practices.

4.2 Currency of Quotation
All product prices, premiums, and costs displayed on this website are quoted in UK Pounds Sterling (£) unless explicitly stated otherwise.

4.3 Limitation of Responsibility
We accept no liability for any loss, damage, cost, or expense—direct or indirect—that you or any third party may suffer in connection with any product obtained from a third-party provider following the use of this website. This includes, without limitation, any act, omission, negligence, or error on the part of such third parties.

4.4 Product Accuracy
While this website may contain summaries of products, features, or terms, such information is general in nature and provided solely for convenience. The full and binding terms of each product will be set out in the provider’s official documentation. You must ensure you understand these terms before purchasing. Product information presented on this website is intended exclusively for UK residents.

4.5 Application Process
When you submit your personal details via this website to request or apply for a product, you are making an offer to the relevant third-party provider. That provider may choose to accept or reject your offer at its discretion.

A binding contract will only be formed once the third-party provider has accepted your application in writing and issued confirmation. Your product will then be governed entirely by that provider’s terms and conditions.

4.6 Links to External Websites
Our website may contain links or references to external websites operated by third parties. These links are provided purely for user convenience and do not constitute an endorsement of the linked site or its content.

Quotix Motor Insurance Price Searcher bears no responsibility for the availability, accuracy, or reliability of such websites or for any products, services, or materials offered through them.

5. Duty of Disclosure
5.1 Principle of Utmost Good Faith
All quotations are provided based on the principle of utmost good faith. This means that both parties must act honestly and disclose all material facts that could influence an insurer’s decision.

5.2 Obligation to Provide Accurate Information
You must provide truthful, complete, and accurate information at all times—both when applying for a policy and throughout its duration. Any inaccuracies, omissions, or failure to disclose relevant facts may render your insurance invalid or result in the refusal of a claim.

5.3 Material Facts
A fact is considered material if it could reasonably affect the insurer’s assessment of the risk or the premium charged. You must disclose all such information, including any relevant changes between quotation, policy inception, or renewal. This applies equally to policy amendments, renewals, endorsements, and claims.

5.4 Continuous Duty of Disclosure
Your duty to provide material information continues throughout your relationship with us and any third-party provider. If you are uncertain about whether a fact is material, you must assume it is and disclose it.

5.5 Assistance and Clarification
If you are unsure about what information needs to be disclosed, please contact our support team on 0330 113 0505 or via info@quotixmotorinsurance.co.uk
before finalising any policy. Failure to meet disclosure obligations may result in policy cancellation or the insurer declining to pay claims.

6. Use of the Website
By using www.quotixmotorinsurance.co.uk
, you agree not to engage in any activity that may compromise the website’s security, performance, or reliability, or cause unreasonable inconvenience to us or other users.

You are permitted to use this website for personal, non-commercial purposes only, and solely if you are a UK resident.

Any unauthorised or commercial use of this website is strictly prohibited. We reserve the right to take appropriate legal action against any misuse or breach of these Terms and Conditions.

7. Our Services and Remuneration
7.1 Nature of Services
Quotix Motor Insurance Price Searcher operates as an independent online consultancy service, enabling users to research and compare various insurance quotations—including motor, van, home, and accident management products—offered by third-party providers.

We are not insurers, brokers, or underwriters. We do not provide personal recommendations or financial advice regarding the suitability of any product. Our service is provided strictly on a non-advisory, informational basis, assisting clients to identify competitive quotations based on their preferences.

7.2 Data Processing and Consultancy Purpose
As defined by the Information Commissioner’s Office (ICO) under the UK GDPR 2018, we process personal information solely for legitimate business purposes, which include:
• Providing consultancy and intermediary services
• Promoting our services
• Managing accounts and records
• Supporting and managing our staff and operations

We may process the following categories of data: personal details, family or lifestyle information, business and financial details, education or employment information, health details (where applicable), and any information necessary to deliver our services.

Our data subjects include customers, clients, employees, suppliers, professional advisers, complainants, and other relevant contacts.

7.3 Insurer Relationships and Service Guarantee
Some insurers may not accept quotations obtained via third-party intermediaries. We recommend confirming acceptance directly with the insurer before proceeding with a policy.

If your policy is cancelled within three (3) months of receiving a quotation link from us—and the cancellation arises due to an error or omission in our process—we may, at our discretion:
• Provide a free repeat quotation search, or
• Issue a full refund of any service charge paid

If you discover any inaccuracies within your quotation details, you must amend these directly with the insurer before completing your purchase. If any amendment results in a premium increase, we may adjust or waive our service fee as a goodwill gesture, subject to internal verification.

8. Permitted Use
8.1 Acceptable Usage
You are authorised to use this website solely for lawful, personal, and non-commercial purposes. Any other form of access or use—particularly automated, high-volume, or data-harvesting activities—is strictly prohibited.

8.2 Prohibited Actions
You agree not to:
• Use bots, spiders, or automated scripts to extract data
• Copy, modify, or republish website materials without permission
• Attempt to reverse-engineer any part of the system
• Use the site for fraudulent or harmful activity
• Combine or aggregate website content with external databases without consent

8.3 Accuracy of Information
All information provided by you must be accurate, current, and complete. Deliberately providing false or misleading information constitutes a breach of these Terms.

8.4 Nature of Service
Quotix Motor Insurance Price Searcher facilitates quotation searches but does not guarantee that any third-party provider will accept, underwrite, or sell a policy to you. Nothing on this website constitutes an offer or contract of insurance.

9. Intellectual Property Rights
9.1 Ownership
The name “Quotix Motor Insurance Price Searcher”, its logos, marks, and associated branding are the exclusive trademarks of Quotix Motor Insurance Price Searcher.

9.2 Copyright and Licences
All intellectual property rights in the website content, design, and materials are owned by or licensed to Quotix Motor Insurance Price Searcher.

9.3 Restricted Use
You may not copy, reproduce, distribute, or display any part of this website without prior written consent.

9.4 Fair Use
You may print or download extracts for personal reference only, provided the content is not modified and copyright notices remain intact.

10. Exclusions of Liability
10.1 “As Is” Disclaimer
The website and its content are provided on an “as is” basis. We make no warranties regarding accuracy, completeness, or fitness for purpose.

10.2 User Responsibility
You use this website entirely at your own risk.

10.3 Viruses and Security
We do not guarantee the site is virus-free. Users must maintain their own security measures.

10.4 Availability
We may suspend or restrict access at any time for maintenance or operational reasons.

10.5 Limitation of Liability
We are not liable for indirect or consequential losses, including loss of profit or data.

10.6 Legal Exceptions
Nothing limits our liability for fraud, death, or personal injury resulting from our negligence.

11. Indemnity
You agree to fully indemnify, defend, and hold harmless Quotix Motor Insurance Price Searcher, its directors, employees, agents, and representatives from and against all claims, losses, damages, liabilities, costs, fines, penalties, or expenses (including reasonable legal fees) arising from:

• Your breach of these Terms and Conditions
• Your misuse of this website or services
• Any fraudulent, negligent, or unlawful activity committed by you
• Any inaccuracy or omission in information provided by you

We reserve the right to assume exclusive defence and control of any matter otherwise subject to indemnification by you, and you agree to assist and cooperate with us in asserting any available defences.

12. Financial Services Compensation Scheme (FSCS)
The Financial Services Compensation Scheme (FSCS) provides protection to customers of certain financial services in the event that a provider becomes insolvent.

The FSCS applies only to your insurer—not to Quotix Motor Insurance Price Searcher—because:

• We do not sell insurance
• We do not arrange insurance
• We do not administer policies
• We do not process claims
• We are not authorised by the FCA

Therefore, any service charges or fees paid to Quotix Motor Insurance Price Searcher are not covered under the FSCS.
FSCS protection applies only to regulated insurance firms involved in underwriting your policy.

13. Definition of Quotes
13.1
Quotix Motor Insurance Price Searcher facilitates the procurement of quotations for customers through third-party providers. We are neither authorised nor regulated by the Financial Conduct Authority (FCA), and we do not act as a broker, intermediary, or agent for any insurer.

13.2
We provide non-advisory quotation searches only. We do not recommend or suggest any specific product, nor do we offer suitability assessments or provide any regulated financial advice.

13.3
You retain full responsibility for ensuring the accuracy of all information provided. Any inaccuracies or omissions may affect the quotation outcome or lead to policy cancellation by the insurer. You should always verify information with the insurer before finalising any purchase.

13.4
All quotations are based on the details supplied by you. We recommend that you contact the insurer directly to confirm the quotation details and verify acceptance before proceeding.

14. Price Delivery
14.1
Quotations are generally delivered within eight (8) working hours through your preferred communication channel, which may include email, text message, WhatsApp, or any other approved method. Delivery time may vary depending on provider timelines, system availability, and verification requirements.

14.2
If we are unable to provide a quotation within the stated timeframe due to missing information or technical constraints, we will notify you and may request additional details.

15. Your Obligations
You agree to:

• Provide complete and accurate information at all times
• Ensure that all policy details, exclusions, and terms are reviewed directly with the insurer
• Notify the insurer promptly of any changes or inaccuracies in your details
• Comply with all requirements imposed by the insurer or regulatory authorities

Failure to comply may result in:

• Policy cancellation
• Refusal of claims
• Increase in premium
• Administrative charges imposed by the insurer

16. Terms of Risk
The number and quality of quotations that we can obtain for you depend on your individual risk profile. Factors that may limit the availability of quotations include:

• Previous claims history
• Driving offences or convictions
• High-risk occupations
• High-performance vehicles
• Adverse credit information
• Non-standard or modified vehicles
• Incomplete or inconsistent information

In some cases, insurers may decline to offer any quotation. We do not guarantee that you will receive a minimum number of quotations.

17. Claims and Underwriting Exchange Register
17.1
Insurers may consult various industry databases to validate the information you provide and to assess risk. This includes, but is not limited to:

• Claims and Underwriting Exchange (CUE)
• Hunter Fraud Prevention System
• Motor Insurance Anti-Fraud and Theft Register (MIAFTR)
• Motor Insurers’ Information Centre (MIIC)
• No Claims Discount Databases

17.2
These checks are conducted to prevent fraud, verify claims history, and ensure underwriting accuracy.

17.3
By using our services, you consent to these checks being performed by insurers.

18. Motor Insurance Database (MID)
18.1
Under UK law, all motor insurers are required to add the details of active motor insurance policies to the Motor Insurance Database (MID). This database is used by:

• Police
• DVLA
• Road traffic enforcement systems
• Insurance verification services

18.2
Your insurer will update the MID after your policy has been issued. Quotix Motor Insurance Price Searcher does not have access to the MID and does not update policy records.

19. Payment, Fees, and Refund Policy
19.1 Service Charges
Quotix Motor Insurance Price Searcher may charge a service fee for conducting quotation searches, consultation, and administrative support.
All service charges will be clearly communicated to you before any payment is taken.

19.2 Non-Refundable Fees
Unless otherwise stated in writing, all service charges paid to Quotix Motor Insurance Price Searcher are non-refundable, except in cases where:

• A quotation cannot be delivered due to an internal error
• A cancellation occurs within three months due to an error caused by our team
• We determine a refund is warranted as a goodwill gesture

19.3 Refund Eligibility
A refund may be issued if:

• The quotation provided contains verified errors made by our staff
• The insurer rejects your application due to a clear mistake in the information we processed
• We are unable to complete the service due to technical or operational failure on our side

Refunds will not be issued if:

• You change your mind after receiving the service
• The insurer declines to cover you due to risk factors
• You provide incomplete, false, or misleading information
• The insurer increases the premium due to corrected information
• You cancel the service after work has begun

19.4 Payment Processing
Payments are securely handled by Squareup International Limited, operating under PCI DSS (Payment Card Industry Data Security Standards).
We do not store or process your debit/credit card details on our servers.

19.5 Fraud Prevention
Suspicious or fraudulent transactions may be reported to relevant authorities, including banks, payment processors, and anti-fraud agencies.

20. Cancellation Policy
20.1
You may request a cancellation of our services before a quotation search is performed. Once the service has begun, charges may still apply.

20.2
If you have purchased an insurance policy, cancellation of the policy must be arranged directly with the insurer. Each insurer has its own cancellation terms, cooling-off periods, and charges.

20.3
We are not responsible for cancellation fees imposed by your insurer.

21. Communication and Contact Methods
21.1
By using our service, you consent to being contacted via:

• Email
• Phone call
• SMS
• WhatsApp
• Social media messaging (if applicable)

21.2
Communication may include:

• Quotation links
• Missing information requests
• Verification instructions
• Service updates
• Renewal reminders
• Policy information

21.3
You may opt out of communication channels at any time, except those necessary for service delivery.

22. Complaints Procedure
22.1
We aim to deliver a high standard of service. If you are dissatisfied, complaints may be submitted by:

Email: info@quotixmotorinsurance.co.uk
Phone: 0330 113 0505

22.2
We will acknowledge your complaint within 5 working days and aim to provide a full response within 28 days.

22.3
Since we are not regulated by the FCA, your complaint cannot be referred to the Financial Ombudsman Service (FOS).
Complaints regarding insurance policies must be directed to the insurer, who may be subject to FOS rules.

23. Data Protection & GDPR Compliance
23.1
We comply with:

• UK General Data Protection Regulation (UK GDPR)
• Data Protection Act 2018
• ICO registration requirements

23.2 Data Collected
We may collect:

• Name
• Address
• Date of birth
• Driving history
• Employment details
• Vehicle details
• Claims information
• Contact information
• Payment confirmation data

We do not store debit/credit card numbers.

23.3 Data Usage
Your data is used for:

• Quotation searching
• Verification
• Customer service
• Record keeping
• Fraud prevention
• Administrative operations

23.4 Data Sharing
Your data may be shared with:

• Insurers
• Underwriters
• Fraud prevention agencies
• Payment processors
• Regulatory authorities (if required by law)

23.5 Data Retention
Information may be retained for up to 6 years for legal, auditing, and compliance reasons.

23.6 Your Rights
You may request:

• A copy of your data
• Correction of inaccurate information
• Deletion of your data (where legally permissible)
• Restriction of processing

Requests can be sent to: info@quotixmotorinsurance.co.uk

24. Security Measures
24.1
We apply reasonable technical and organisational measures to protect your data from:

• Unauthorised access
• Loss
• Theft
• Misuse
• Alteration

24.2
Despite our efforts, no online transmission is fully secure. You acknowledge that data submitted online is at your own risk.

25. Cookies Policy
25.1
This website uses cookies to enhance user experience, including:

• Analytics
• Session management
• Preferences
• Security

25.2
You may disable cookies through your browser settings, but some website features may not function correctly.

26. Governing Law
These Terms & Conditions are governed by the laws of England and Wales.
Any disputes shall be subject to the exclusive jurisdiction of the English courts.

27. Liability and Disclaimers

27.1 General Disclaimer
All content, quotations, prices, and information provided on www.quotixmotorinsurance.co.uk are offered strictly on an “as is” and “as available” basis.
We do not guarantee:

• Accuracy
• Completeness
• Availability
• Reliability
• Fitness for a particular purpose
• Continuous or uninterrupted access

27.2 No Warranty
We make no warranties, express or implied, regarding:

• Insurance quotations
• Third-party websites
• Insurer decisions
• Policy acceptance
• Policy pricing
• System performance

27.3 Limitation of Liability
To the fullest extent permitted under UK law, Quotix Motor Insurance Price Searcher is not liable for:

• Loss of data
• Loss of income
• Loss of business opportunities
• Increased insurance premiums
• Rejected policy applications
• Indirect or consequential damages
• Costs arising from insurer actions
• Errors caused by incorrect information provided by you

27.4 Legal Exceptions
Nothing in these Terms excludes our liability for:

• Fraud
• Intentional wrongdoing
• Death or personal injury caused by negligence
• Any liability that cannot be excluded under UK law

28. Indemnity

You agree to indemnify and hold harmless Quotix Motor Insurance Price Searcher, its staff, directors, affiliates, and partners from any claim, loss, or damage arising from:

• Incorrect or misleading information you provide
• Fraudulent activity
• Breach of these Terms
• Misuse of the website
• Violation of laws or third-party rights

29. Fraud, Misrepresentation, and Disclosure

29.1 Fraud Definition
Fraud includes:

• Providing false or incomplete information
• Hiding previous accidents or claims
• Misrepresenting No Claims Bonus
• Using fake documents
• Giving incorrect addresses or postcodes
• Using someone else’s payment details without consent

29.2 Consequences of Fraud
If fraud is detected, the insurer may:

• Cancel or void your policy
• Charge cancellation fees
• Refuse to pay claims
• Recover paid-out claim costs
• Report you to anti-fraud databases (CUE, IFB, MIIC)
• Report you to law enforcement

29.3
We fully support the UK insurance industry’s zero-tolerance policy against fraud and reserve the right to refuse service.

30. Termination of Access

30.1
We may suspend, restrict, or terminate your access at any time if:

• You breach these Terms
• You provide false information
• You engage in abusive behaviour
• You attempt unauthorised system access
• You misuse our services

30.2
Termination decisions are final.
We may notify you via email or SMS when practical.

31. Changes to These Terms

31.1
We may update these Terms at any time without prior notice.
Updated versions take effect upon publication.

31.2
Continued use of the website indicates acceptance of changes.

32. Force Majeure

We are not responsible for delays or failures caused by events beyond our reasonable control, including:

• Natural disasters
• War, terrorism
• Government restrictions
• Power failures
• Internet outages
• Industrial disputes
• System failures

33. Third-Party Rights

Unless explicitly stated, no third party has the right to enforce any part of these Terms under the Contracts (Rights of Third Parties) Act 1999.

34. Entire Agreement

These Terms & Conditions, together with:

• Our Privacy Policy
• Any service-specific notices

represent the complete agreement between you and Quotix Motor Insurance Price Searcher.

They supersede any prior verbal or written understanding.

35. Contact Information

For any questions related to these Terms, you may contact us at:

Email: info@quotixmotorinsurance.co.uk
Email: admin@quotixmotorinsurance.co.uk
Website: www.quotixmotorinsurance.co.uk
Phone: 0330 113 1733