Talk Once Limited - Insurance Services

It is important that you read and understand our terms and conditions as they contain valuable information and legal facts. If you have any questions please feel free to contact us at support@talkonce.co.uk

The Agreement

If you agree to these terms and conditions you are permitted to use our website to find competitive priced insurance/financial service products from leading UK insurance and financial services providers.

Talk Once are an introducer to a range of companies offering insurance and financial services amongst others. You will be able to obtain all the relevant information regarding the acceptance of the product and contact details on the insurance/financial services via the telephone call to the provider. It�s important that you obtain a copy of and read the insurance/financial service providers own terms and conditions. They are the terms and conditions that you agree to by buying from them and are completely separate from ours.

We accept no responsibility, or any liability whatsoever, for the terms applying to an insurance/financial services contract entered into with any provider or for any problems or complaints that may arise in the operation of your insurance/financial services product.

Your Responsibility

To get a quote for an insurance or financial services product, you will need to answer a number of questions with the insurance broker or insurer. If you use the online form you will be answering questions that will be provided to a broker or insurer.

Your answers will determine the amount you pay and the level of cover you receive in case of insurance or type of product most suitable for you. It is very important that you answer all questions truthfully and that you immediately disclose all relevant facts.

If you do not provide your insurer or financial services provider with the information they have asked for or fail to tell them about any change it could invalidate your insurance or product.

Residency Limitations

The products and services we introduce are only available to UK residents who access this website from within the UK. Using this website to contact brokers and insurers to apply for insurance, means that you confirm that you are over 18 years old (17 years old for car insurance) and are not impersonating another person. The insurers, brokers and financial services companies we introduce aim to offer very competitive insurance but not everybody will be eligible to take out some of the insurance and financial services products.

Complaints

If your complaint is regarding an insurance policy or the financial service product you purchased and with whom we introduced, then you should complain direct to that company. Talk Once cannot accept liability for errors made by the underlying provider or answer complaints on their behalf. In such an event we recommend you do the following:

Write to the Managing Director of the actual provider. You can obtain this information from their website or from the documentation sent to you when you bought the insurance/financial services product.

If this does not resolve the issue then contact:

The Financial Services Ombudsman, South Quay Plaza, 183 Marsh Wall, London. E14 9SR. E-mail: enquiries@financial-ombudsman.org.uk Tel: 0845 080 1800

If you have a complaint directly aimed at Talk Once please follow our complaints procedure

The Law

This site and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts.

Using the Site

You may only print, copy, download or temporarily store extracts from our site for your personal information or when you use our services. You must not alter anything. Any other use is prohibited.

We have taken every reasonable step to make sure the information contained in this website is accurate and up-to-date. However, we can accept no liability for any errors or omissions. We reserve the right to add, amend or delete information from this site at any time.

We can give no warranty that this site and its content are free from viruses or anything else that has contaminating or destructive properties.

Our Legal Liability

The following wording excludes or limits our legal liability for this site. You should read them carefully. They all apply only as far as the law permits. Our site contains a large amount of information. We have tried to make it as simple to use and as accurate as possible. However, we disclaim all express or implied warranties that this site is accurate, complete or up to date. We have no liability to you if it is not.

The fact that a service is shown on this site does not necessarily mean it is suitable for you. It is your responsibility to check this out. This also applies to other people's products or services linked to this site. Some of the services on our site may not be available or may have changed. We are not in any way responsible for anything mentioned on or linked to this site that someone else is marketing.

We are not responsible if this site does not work properly or at all.

Your Personal Data

Talk Once recognizes the requirement to treat the information that we collect about you with care. We are registered under the Data Protection Act 1998. Any information you provide may be held by us, the insurance brokers, insurance companies financial service providers or panel of insurers in connection with the cover/product for which you are applying. It may be used by the insurer or insurance broker, panel of insurers' or relevant staff in making a decision concerning your insurance application and for the purpose of servicing any cover that may be arranged.

Please note that insurers may exchange information with other insurers through various databases to help them check information provided by you and also to prevent fraudulent claims. We would also advise you that all insurers supply details of motor insurance policies to a database to which the police and other insurers have access. This helps detect people who break the law by not taking out insurance and insurers to pursue claims following accidents. In the event of a claim, the information you supply and the claim form, together with other information relating to the claim, may be put on the Registers. It is an offence under the Road Traffic Act to make any false statement or withhold any material information for the purpose of obtaining a certificate of insurance.

Any personal data that you supply to Talk Once Ltd or authorise Talk Once Ltd to obtain from a third party will be used by Talk Once Ltd (i) to administer the competition; and (ii) to contact you about an insurance quote other competitions or about other goods and services which Talk Once considers may be of interest to you.
In order to process, record and use your personal data Talk Once Ltd may disclose or sell it to (i) any insurance/financial services company; (ii) any organisation (whether or not connected to the Talk Once Ltd) for the purpose of bringing to your attention goods and services which Talk Once Ltd considers may be of interest to you; (iii) any person to whom the Talk Once Ltd proposes to transfer any of Talk Once Ltd rights and/or responsibilities under any agreement the Talk Once Ltd may have with you; (iv) any person to whom Talk Once Ltd proposes to transfer its business or any part of it; (v) comply with any legal or regulatory requirement of Talk Once Ltd in any country; and (vi) prevent, detect or prosecute fraud and other crime.
If you would NOT like us to pass on your details please write to us within 5 days of completing the form with your full name, e-mail address and telephone number to: Information Manager, Talk Once Ltd, 103 Bromsgrove Road, Redditch. B97 4RL. Your name will be removed from our database within 14 days of receipt of the letter.

Amendments to our Terms

We reserve the right to amend our terms and conditions at any time. The amended terms will be effective from the date they are posted on our website.

Company Information

Claims Regulation Advice

Terms and Conditions