The Automobile Association (AA) is naturally recognised for its breakdown service. However, it now offers a range of AA life insurance (also known as ‘AA life assurance’ and ‘AA term assurance’) policies.
The AA is an insurance broker that offers level term life insurance and mortgage protection life insurance. It has a panel of leading insurers and its website claims it can help you secure life insurance from as little as £5/month.
The company’s level term life insurance allows you to choose the amount of cover you want, the duration of the policy and if you die during the policy term the insurer will pay out the amount you are covered for. With a joint policy the amount is paid out if either person dies. AA mortgage protection life insurance cover sees the insurer pay out a cash sum calculated on the amount of cover remaining at that time as it reduces each month during the policy term – this is equal to the capital outstanding under a normal repayment mortgage.
In addition, AA offers life insurance with a waiver of premium and both critical illness and terminal illness cover. With critical illness cover if you die or are diagnosed with an earlier critical illness during the policy term, the insurer will pay the amount you are covered for. This is available with both level term life insurance and mortgage life insurance. The waiver of premium means the insurer will take over the premium payments six months after you become unable to work due to accident or illness. Terminal illness cover meanwhile is available at no extra cost.
Terms and Conditions of Use of the moneysupermarket.comTM website
These terms and conditions detail how the moneysupermarket.comTM website (the "Website") can be used. If you use the Website you agree to be bound by these terms and conditions.
GENERAL
Definitions
In these terms and conditions, "we" and "us" mean moneysupermarketTM travelsupermarket, insuresupermarketTM which are trading names of Moneysupermarket.com Limited (company number 3945937) whose registered address is Moneysupermarket House, St David's Park, Ewloe, Nr Chester, CH5 3UZ.
Access to the Website and content
We will endeavour to allow uninterrupted access to the Website, but access to the Website may be suspended, restricted or terminated at any time.
We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.
We assume no responsibility for the content or services of any other websites to or from which the Website has links.
Our service
We grant you a non-exclusive, revocable, non-transferable licence to use the software on our server to access and collect information from the websites of third party providers as permitted by use of our service.
Using our service allows you to access software on our server which you are licensed to use (as set out in clause 3) to obtain information held on our website or from the websites of third party providers. When you use the service, you may cause our software to send a request to the third party providers for information regarding products and/or services. You acknowledge and agree that when you access and collect information from the third party sites using our software, you do so on your own behalf and that you have not appointed us to act as your agent. We simply make our service and software available to you by which you may access such third party sites.
Intellectual Property
The copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a single copy for your own non-commercial off-line viewing.
All rights in moneysupermarket.comTM are owned by Moneysupermarket.com Limited. Other product and company names mentioned on this Website are the trademarks or registered trademarks of their respective owners.
You shall retain ownership of the data you submit to the Website. You grant us a world-wide, royalty-free, non-terminable licence to use, keep, share, save, collect, copy, distribute, publish and transmit such data in any manner.
Disclaimer
Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190) to conduct the regulated businesses of introducing and arranging Mortgages and Insurance Products.
Moneysupermarket.com Financial Group Limited, registered in England No. 3157344.
Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ. Telephone 01244 665700. To verify our status please refer to the FSA register.The Financial Services Authority is the principle regulatory body for Financial Services in the UK. They can be contacted at
The Financial Services Authority
25 The North Colonnade
Canary Wharf
London
E14 5HS
Tel: 020 7066 1000
Or by visiting their website http://www.fsa.gov.uk/Pages/Doing/ContactNothing within the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the Website is for general information purposes only. We strongly recommend that independent professional advice is obtained before you purchase any product and/or service via the Website.
Exclusions of liability
Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.
We use reasonable endeavours to ensure that the data, material and information on the Website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we are not responsible if the data, material and information on the Website is inaccurate or if there are any errors or omissions in the data, material and information.
We do not monitor, verify or endorse data, material and information submitted or provided by third parties which is included on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website. We are not responsible for any data, material or information included on the Website which has been provided by third parties.
We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology.
We are not responsible for any losses or damages arising from an inability to access the Website, from any use of the Website or from reliance on the data transmitted using the Website where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet.
We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Website.
We are not responsible or liable for any losses or damages suffered or incurred by you that were not caused by any breach of these terms and conditions by us.
Some of our channels will provide you with access to third party websites who will host reviews about some of the products and services available. In some instances you may also be able to access user reviews directly on the Website. Regardless of whether you are transferred to a third parties website or read a user review on the Website, the views expressed therein do not represent our views or the views of our associated companies and we are not responsible or liable for the accuracy or content of any such views or expressions.
Exclusion of liability for third party providers' products and services
You can apply for and buy a number of products and services via the Website. Please be aware that the majority of products and services that appear on the Website are not provided by us and are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We accept no liability for any products or services or information provided by third party providers. The third party providers will be supplying products and services on their own standard terms and conditions and you should check that you agree to those terms and conditions before making an application for financial services products or purchasing other services.As you view the Website there may be references to specific terms and conditions which apply to certain products or services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.
Clause 6 does not affect your Statutory Rights as a consumer.Advertisements
The advertisements that you see displayed on this website are delivered on our behalf by a third party advertising company. No personal data for example your name, address, email address or telephone number are used during the course of serving our advertising, but, on our behalf, our third-party advertiser may place or recognize a unique "cookie" on your browser. This cookie does not collect personal data about you nor is it linked to any personal data about you. If you would like more information about this practice and to know your choices about not having this information used by this company, please click here http://www.doubleclick.net/us/corporate/privacy
Your obligations
You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.You acknowledge and agree that you may be required to complete a registration process. This includes the creation of a password in order for you to access your mymoneysupermarket account; a service on this site you may register to save and access searches you have made on this site and to store personal data.
You warrant that all information provided on registration of mymoneysupermarket and otherwise provided by you on this site shall be true, complete and accurate. You agree to immediately inform us if your information changes.
Any password allocated to, or created by you to enable you to use the services provided by this site shall be kept strictly confidential by you. You agree to keep this password safe and not to disclose it to anyone. You agree to immediately notify us if any unauthorised third party becomes aware of that password. You agree that any person to whom your [username or password] is disclosed is authorised to act as your agent on this site. You agree to take all steps necessary to prevent unauthorised access to your mymoneysupermarket account via any computer used to access your account.
Your telephone calls
Telephone calls that you make to our customer service help line on 0845 345 5708 may be monitored or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our customer service help line is available Monday to Friday 9.00am to 5.30pm GMT, all calls will be charged at local rate.Complaints
Our aim is at all times to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Services Team (Complaints Handling) at our address given above, by telephone on 0845 345 5708 or by email atcomplaints@moneysupermarket.com.
We will acknowledge receipt of your complaint, in writing, within 5 business days and we will inform you of the name or job title of the individual handling the complaint (together with details of our internal complaint handling procedures). We may combine the acknowledgement of the complaint with our final response, but in any event we aim to resolve complaints at the earliest opportunity. When we send a final response we will inform the complainant of their right to refer the complaint to the Financial Ombudsman Serviceshould they not be satisfied with the final response, and that they must do so within six months. We will enclose a copy of the Financial Ombudsman Services explanatory leaflet when we send the final response.
If you are unhappy with any product or service that you have been introduced to through any of our channels, we recommend that you approach the provider of that product or service direct. If you require any provider's contact details, please contact our Customer Services Team who will be happy to assist.
If we are unable to resolve your complaint through our internal complaints procedure, you may be able to refer it to The Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 9SR; Telephone: 0845 080 1800; Email: enquiries@financial-ombudsman.org.uk; Website www.financial-ombudsman.org.uk.
Payment
You shall pay any registration fees and/or other charges incurred by you in accordance with the payment provisions set out on the Website from time to time.Full payment for products where required which are typically some of the insurance products on the Moneysupermarket website should be made at the time of booking, in the secure area of the Website. Payment methods other than those stated on the Website will not be accepted. We will pass your card details and personal details, as necessary, to the insurance provider, who will take payment for the insurance in accordance with its terms and conditions. We reserve the right to charge you for any handling fees that we or the provider incur in respect of your booking. You will be informed of such charges before they are incurred.
Payment for other products and services will be made on the relevant provider's website.
Data protection
We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy. We may disclose your details or access your account if required to do so by law, by the Financial Services Authority, the Office of Fair Trading or any other applicable regulator, compliance monitor, Governmental or law enforcement agency.
Termination
We may terminate or suspend your access to the Website and the services within it at any time.
All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
General
The content of this Website is directed solely at those who access the site from the United Kingdom. We make no representation that any product or service referred to in this Website is available or otherwise suitable for use outside of the United Kingdom.
The Website is for your non-commercial, personal use only and must not be used for business purposes. For clarification this does not include the booking of travel for business purposes nor where the area of interest is business finance.
If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this agreement shall not be affected.
If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights, or the same type of right on a later occasion.
We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications.
Except as set out below in this clause, neither party may assign or transfer any of its rights under these terms and conditions without the prior written consent of the other.
We may assign or transfer our rights under this agreement pursuant to a re-organisation of trade or share sale, or to any company in the Moneysupermarket.com Limited group of companies for our convenience.
Unless expressly provided in this agreement, no term of this agreement is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.
Governing law
These terms and conditions are governed by and construed in accordance with English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.
GUIDANCE NOTES
The following sections form part of the terms and conditions and provide more specific guidance on certain products and services
Insurance products and services
Our insurance channel allows you to compare insurance policies for various types of insurance products and services
Please be aware that it is very important that before you buy any policy you carefully read the terms of the policy, the insurer's terms and conditions and any other relevant documentation which applies to the policy. We will aim to give you enough information so that you can make an informed decision about your insurance but you should not rely solely on the information provided within our insurance channel. You must familiarise yourself with all the details of the policy, for example, the restrictions, exclusions, conditions and obligations which apply to the policy. You must ensure that the policy matches your requirements and that you agree to the terms of the policy before you place an order to purchase any insurance product or service. We accept no responsibility whatsoever in the event that any policy purchased by you does not meet your requirements.
Insurers will use the information you input into the fact finding questionnaire to calculate their premium and any offer of insurance cover. It is your responsibility to ensure that such information and all other information you provide to the insurers (before cover begins and during the term of any policy you take out) is complete, accurate and not misleading. The information you supply maybe used to carryout certain credit checks through licensed credit-referencing agencies. This is used as part of the underwriting process for some of the insurers and a record of this search will be made. If you are in any doubt as to whether any information is relevant you should disclose it. If you do not provide all such information your selected insurer may be able to treat your insurance policy as if it never existed.
In the event that you decide to buy an insurance product or service, the confirmation of cover, the full policy documentation, details on how to make a claim and other relevant details should be sent to you by the insurer and not by us. For example, if there are any changes to your policy those changes should be communicated to you by your insurer. It is the insurer's responsibility to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.
Home Insurance Assumptions
Our service provides a 'quick quote' system, and in doing so we have answered some questions on your behalf and made assumptions for the answers. If these assumptions are incorrect it is your responsibility to change the answers when making an application.
To view our assumptions click here
Life Insurance Assumptions
Our service provides a 'quick quote' system, and in doing so we have answered some questions on your behalf and made assumptions for the answers. If these assumptions are incorrect it is your responsibility to change the answers when making an application.
To view our assumptions click hereMortgages
The mortgage information available via the Mortgage Channel on the Website covers both mortgages in respect of a property purchase and mortgages secured on your property for a purpose other than purchase of that property. For example, this might include a debt consolidation loan or a home improvement loan.
The products displayed on the Website are examples of products currently available. Our selection as it appears on the Website and nothing in these terms and conditions constitutes advice or a recommendation to purchase a particular mortgage product.
You should also read the "Mortgage Guide" section of the Website which provides information about mortgage products, interest rates and associated fees and charges.
We receive commission and fees from certain mortgage lenders who advertise on or are linked to the Website. We retain the commission and fees and we do not charge you for the service we offer via the Website.
The Mortgage Channel allows you to compare mortgage products and then links you to the relevant websites of certain mortgage lenders.
Please be aware that it is very important that before you apply for any mortgage product you carefully read the terms of the application form, the terms of the mortgage and any other relevant documentation which applies to the mortgage. You must ensure that the mortgage matches your requirements and that you agree to the terms of the mortgage before you apply for any mortgage product. We accept no responsibility whatsoever in the event that any mortgage entered into or applied for by you does not meet your requirements.
In the event that you decide to apply for a mortgage product selected via the Website, the full mortgage documentation and other relevant details should be sent to you by the mortgage lender and not by us. It is the responsibility of the mortgage lender to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Credit Cards and Loans
The products displayed on the Website are examples of products currently available. Our selection as it appears on the Website and nothing in these terms and conditions constitutes advice or a recommendation to purchase a particular credit card or loan product
We receive commission and fees from certain lenders who advertise on or are linked to the Website. We retain the commission and fees and we do not charge you for the service we offer via the Website.
The Credit cards and loans Channels allow you to compare products and then links you to the relevant websites of certain mortgage lenders.
Please be aware that it is very important that before you apply for a loan or a credit card product you carefully read the terms on the application form which will include details of the interest rates applicable and any early redemption charges if relevant
In the event that you decide to apply for a loan or credit card product selected via the Website, the full documentation and other relevant details should be sent to you by the lender and not by us. It is the responsibility of the lender to provide all relevant documentation to you and we can accept no responsibility in the event that you do not receive the documentation requested or expected.
Flights, Car Hire and Hotels
Our flights, car hire and hotels channels allows you to compare these services and their prices. The Website will direct you to the relevant provider's website should you wish to purchase a particular service. If your preferred service is available on the provider's website and you purchase this service, the contract will be between the provider and you. We will not be a party to the contract. The provider's terms and conditions will apply in addition to these terms and conditions.
The provider's terms and conditions may include provisions relating to recommended minimum check-in times, e-ticketing, reconfirmation, cancellation or modification of bookings and refunds and other restrictions. You are solely responsible for complying with the provider's and the airline's terms and conditions.
Package holidays
Our package holiday channel allows you to compare package holidays and their prices. The Website will direct you to the relevant provider's website should you wish to purchase a particular holiday. If your preferred holiday is available on the provider's website and you book a holiday, the contract will be between the provider and you. We will not be a party to the contract. The provider's terms and conditions will apply in addition to these terms and conditions.
We present general information on the Website in relation to package holidays for guidance only. It is your responsibility to check that you understand and comply with any specific requirements relating to the holiday, for example, any visa, passport or vaccination requirements.
New Cars
Our new car channel allows you to compare new cars and their prices. The Website will direct you to the relevant provider's website should you wish to purchase a particular vehicle. If your preferred vehicle is available on the provider's website and you purchase a vehicle, the contract will be between the dealer and you. We will not be a party to the contract. The dealer's terms and conditions will apply in addition to these terms and conditions.
We present general information on the Website in relation to cars for guidance only. It is your responsibility to check that you understand and comply with any specific requirements relating to the purchase of the car in particular delivery instructions.
