Website Terms of Use

Please read the following terms and conditions carefully before using as use of the site means that you agree to them.

This page (together with the documents referred to on it) tells you the terms of use on which you
may make use of our website (“our site”), whether as a guest
or a registered user. Please read these terms of use carefully before you start to use the site.

By using our site, you indicate that you accept these terms of use and that you agree to abide by
them. If you do not agree to these terms of use, please refrain from using our site.

Information about us is a site operated by Insurance Factory Limited trading as
Equesure Insurance (“we” or “us” or “our”). Insurance Factory Limited is authorised and regulated by
the Financial Conduct Authority (register number 306164) and registered in England under company
number 02982445 with its registered office at 45 Westerham road, Sevenoaks, Kent, TN13 2QB.

To contact us, please e-mail

Other applicable terms

These terms of use refer to the following additional terms, which also apply to your use of our site:
• Our Privacy Policy, which sets out the terms on which we process any personal data we
collect from you, or that you provide to us. By using our site, you consent to such processing
and you warrant that all data provided by you is accurate.
• Our Cookie Policy, which sets out information about the cookies on our site. Our Privacy and
Cookie Policy can be found here

Accessing our site

Our Site is intended for use by UK residents only. Applications for products from non-UK residents
will, unless otherwise stated, not be accepted.

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend
the service we provide on our site without notice (see below). We will not be liable if for any reason
our site is unavailable at any time or for any period.

From time to time, we may restrict access to some parts of our site, or our entire site, to users who
have registered with us.

You are responsible for making all arrangements necessary for you to have access to our site. You
are also responsible for ensuring that all persons who access our site through your internet
connection are aware of these terms, and that they comply with them.


Any quotation made through our site is based entirely on the information that you give to us. Please
take reasonable care to answer all the questions honestly and to the best of your knowledge. If you
do not your policy may be cancelled, or treated as if it never existed, or your claim not fully paid. You
are reminded that it is an offence under the Road Traffic Act 1988 to make any false statements or
withhold any relevant information to obtain a Certificate of Motor Insurance. Please note that under
the Rehabilitation of Offenders Act 1974 you are not required to disclose convictions regarded as

Intellectual property rights

The rights in the designs, pictures, logos, photographs and content of our site are owned by or
licensed to Insurance Factory Limited. They are protected by copyright, trademarks and other
intellectual property rights. All such rights are reserved.

You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of our
site without the written consent of Insurance Factory Limited. You may view or print individual
pages only for your own personal use.

Our status (and that of any identified contributors) as the authors of content on our site must always
be acknowledged.

Reliance on information posted

Commentary and other materials posted on our site are not intended to amount to advice on which
reliance should be placed. We therefore disclaim all liability and responsibility arising from any
reliance placed on such materials by any visitor to our site, or by anyone who may be informed of
any of its contents.

In the event that there is an error in the price, quote, type of product or service shown, we reserve
the right to amend or cancel the contract and a refund will be offered.

Our site changes regularly

We aim to update our site regularly, and may change the content at any time. If the need arises, we
may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of
date at any given time, and we are under no obligation to update such material.

Our liability

The material displayed on our site is provided without any guarantees, conditions or warranties as to
its accuracy. To the extent permitted by law, we, other members of our group of companies and
third parties connected to us hereby expressly exclude:
• All conditions, warranties and other terms which might otherwise be implied by statute,
common law or the law of equity.
• Any liability for any direct, indirect or consequential loss or damage incurred by any user in
connection with our site or in connection with the use, inability to use, or results of the use
of our site, any websites linked to it and any materials posted on it, including:
• loss of income or revenue;
• loss of business;
• loss of profits or contracts;
• loss of anticipated savings;
• loss of data;
• loss of goodwill;
• wasted management or office time; and

whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence, nor our
liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any
other liability which cannot be excluded or limited under applicable law.

Information about you and your visits to our site

We process information about you in accordance with our privacy policy. By using our site, you
consent to such processing and you warrant that all data provided by you is accurate.

Viruses, hacking and other offences

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other
material which is malicious or technologically harmful. You must not attempt to gain unauthorised
access to our site, the server on which our site is stored or any server, computer or database
connected to our site. You must not attack our site via a denial-of-service attack or a distributed
denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act
1990. We will report any such breach to the relevant law enforcement authorities and we will
cooperate with those authorities by disclosing your identity to them. In the event of such a breach,
your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses
or other technologically harmful material that may infect your computer equipment, computer
programs, data or other proprietary material due to your use of our site or to your downloading of
any material posted on it, or on any website linked to it.

Linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not
damage our reputation or take advantage of it, but you must not establish a link in such a way as to
suggest any form of association, approval or endorsement on our part where none exists. You must
not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other
than the home page. We reserve the right to withdraw linking permission without notice. If you
wish to make any use of material on our site other than that set out above, please address your
request to

Links from our site

Where our site contains links to other sites and resources provided by third parties, these links are
provided for your information only. We have no control over the contents of those sites or
resources, and accept no responsibility for them or for any loss or damage that may arise from your
use of them.

Jurisdiction and applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are
governed by English law. You and we both agree to that the courts of England and Wales will have
non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring
proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings
in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any
noncontractual disputes or claims) are governed by English law. We both agree to the exclusive
jurisdiction of the courts of England and Wales.


We may revise these terms of use at any time by amending this page. You are expected to check this
page from time to time to take notice of any changes we made, as they are binding on you. Some of
the provisions contained in these terms of use may also be superseded by provisions or notices
published elsewhere on our site.

Your concerns

If you have any concerns about material which appears on our site, please contact

Thank you for visiting our site.

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