Terms and Conditions

1. Introduction

Welcome to SpeedySure. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using SpeedySure, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.

SpeedySure is a trading name operated by SpeedySure Ltd. All insurance policies are underwritten by U K INSURANCE LIMITED, authorized and regulated by the Financial Conduct Authority (FCA) under firm reference number 202810.

2. Definitions

• "We," "Us," "Our" refers to SpeedySure (operated by SpeedySure Ltd) and U K INSURANCE LIMITED (underwriter)
• "You," "Your" refers to the user or customer of our services
• "Policy" refers to the insurance contract between you and us
• "Premium" refers to the amount you pay for insurance coverage
• "Services" refers to all insurance products and related services we provide

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a UK resident
• Hold a valid UK driving licence
• Provide accurate and complete information
• Have the legal capacity to enter into a binding contract

4. Insurance Quotes

Quotes provided through our platform are estimates based on the information you provide. A quote does not constitute an offer or guarantee of coverage. Final premium amounts may vary based on additional underwriting requirements and verification of information.

Quotes are valid for 30 days from the date of issue. After this period, you will need to obtain a new quote as pricing and terms may have changed.

5. Policy Purchase and Payment

When you purchase a policy through SpeedySure, you agree to pay the premium amount specified. Payment must be made in full before coverage begins unless alternative payment arrangements have been agreed.

We accept payment by credit card, debit card, and other methods as displayed during checkout. All payments are processed securely through our payment service providers.

If payment fails or is declined, coverage will not commence until successful payment is received.

6. Cooling-Off Period and Cancellation

You have a 14-day cooling-off period from the date you receive your policy documents or the start date of your policy (whichever is later) to cancel your policy for a full refund, provided you have not made a claim.

After the cooling-off period, you may cancel your policy at any time. Refunds for unused coverage will be calculated on a pro-rata basis, minus an administration fee of £25.00.

We reserve the right to cancel your policy if:

• You provide false or misleading information
• You fail to pay premiums when due
• You breach any terms of the policy
• Your driving licence is revoked or suspended

7. Your Obligations

You must:

• Provide accurate, complete, and truthful information when obtaining quotes and purchasing policies
• Notify us immediately of any changes to your circumstances that may affect your coverage
• Take reasonable care to prevent accidents and losses
• Comply with all terms and conditions of your policy
• Report claims promptly and provide all requested documentation
• Not use your vehicle for any illegal purpose

8. Claims

In the event of an incident, you must notify us as soon as reasonably possible and provide full details of the circumstances. Failure to report claims promptly may result in denial of coverage.

You must cooperate fully with our claims investigation, including providing documentation, statements, and access to your vehicle for inspection.

Making a fraudulent claim or providing false information in support of a claim is a criminal offense and will result in policy cancellation and potential prosecution.

9. Limitations of Liability

Our liability under any policy is limited to the terms, conditions, and coverage limits specified in that policy. We are not liable for any indirect, consequential, or punitive damages.

We do not guarantee uninterrupted or error-free operation of our website or services. We are not liable for any losses resulting from website downtime, technical issues, or third-party service failures.

10. Data Protection and Privacy

We collect, use, and protect your personal data in accordance with UK data protection laws and our Privacy Policy. By using our services, you consent to such processing.

We may share your information with third parties including insurers, reinsurers, claims handlers, fraud prevention agencies, and regulatory authorities as necessary to provide our services.

11. Intellectual Property

All content on the SpeedySure website, including text, graphics, logos, images, and software, is the property of SpeedySure Insurance Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Accessing third-party links is at your own risk.

13. Complaints

If you are unhappy with our services, please contact our Customer Service team. We have an internal complaints procedure and will work to resolve your concerns promptly.

If you remain dissatisfied, you may refer your complaint to the Financial Ombudsman Service. Full details of our complaints procedure are available on our Complaints page.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

Material changes will be communicated to existing policyholders via email or through their account dashboard.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Information

For questions about these Terms, please contact us at: