Legal

Terms of Service

Last updated: 30 June 2026

Action required before publishing: these terms include bracketed placeholders for your legal entity, FCA status (directly authorised or introducer appointed representative), registered address and contact details. Replace them with your own information before going live. Nothing on this page is legal advice; we recommend a UK solicitor reviews the final version.

These terms (the "Terms") govern your access to and use of the website at coversorted.com (the "Site") and any services we provide through it (the "Service"). By using the Site you agree to these Terms. If you do not agree, please stop using the Site.

1. Who we are

The Site is operated by [Legal entity name], a company registered in England and Wales with company number [number] and registered office at [registered address] ("Cover Sorted", "we", "us", "our"). You can contact us at [contact email].

Cover Sorted is [directly authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number [FRN]] / [an Introducer Appointed Representative of [Principal firm name], which is authorised and regulated by the FCA under firm reference number [FRN]]. You can check this on the FCA Register at register.fca.org.uk.

2. What we do

Cover Sorted is an online introducer service. We collect basic information about your cover needs through our website and pass it to authorised insurance intermediaries and providers in our panel so they can prepare a quote and, if you choose to proceed, arrange a policy with a UK insurer.

We do not underwrite insurance, hold client money, or provide regulated advice on the merits of any particular policy unless this is expressly stated. Any advice or recommendation you receive will come from the authorised firm you are introduced to, on their own terms of business, which you should read carefully.

3. Eligibility

To use the Service you must be at least 18 years old, a UK resident, and have the legal capacity to enter into a contract. You agree to provide accurate, complete and up-to-date information. Providing inaccurate health, lifestyle or financial information may cause an insurer to refuse to pay a claim or to void a policy.

4. Quotes, illustrations and pricing

Any prices, premiums or coverage figures shown on the Site (including phrases such as "from £X/month") are illustrative only and based on typical UK market rates at the time of writing. They are not an offer of insurance, do not constitute a personal quote, and are not guaranteed. The actual price and terms available to you depend on the insurer's underwriting, your individual circumstances and the cover you choose.

5. Acceptable use

You agree not to:

use the Site in any way that breaches UK law or any applicable regulation;
submit information about another person without their permission;
submit false, misleading or fraudulent information;
attempt to gain unauthorised access to the Site, its servers or related systems;
introduce viruses, trojans, worms or other malicious material;
use automated means (bots, scrapers) to access or copy content from the Site; or
use the Site in a way that could damage, disable or impair it.

6. Intellectual property

The Site and all content on it (including text, graphics, logos, images and software) are owned by or licensed to Cover Sorted and are protected by UK and international copyright, trade mark and other intellectual property laws. You may view, download and print pages for your own personal, non-commercial use. You may not otherwise copy, reproduce, republish, modify or commercially exploit any part of the Site without our prior written consent.

7. Third-party content and links

The Site may contain links to third-party websites or services. We do not control and are not responsible for the content, products, services or privacy practices of those third parties. Linking does not imply endorsement.

8. Availability of the Site

We try to keep the Site available at all times, but we do not guarantee uninterrupted access. We may suspend, withdraw or restrict the Site (in whole or in part) for business and operational reasons, including for maintenance or security. We will try to give reasonable notice of any planned outage.

9. Our liability

Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be excluded or limited under English law (including liability under the Consumer Rights Act 2015 which cannot be excluded).

Subject to the paragraph above, we will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, arising under or in connection with use of the Site, including:

loss of profits, sales, business or revenue;
business interruption;
loss of anticipated savings;
loss of business opportunity, goodwill or reputation; or
any indirect or consequential loss or damage.

We are not responsible for any decisions you make in reliance on illustrative information on the Site, or for the products, services, advice or conduct of any insurer or broker you are introduced to.

10. Indemnity

You agree to indemnify us against any losses, costs, claims and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Site, or your submission of inaccurate or unauthorised information through the Service.

11. Privacy and cookies

We process personal data in accordance with our Privacy Policy and our cookie practices, which form part of these Terms. Please read them carefully before using the Service.

12. Cancelling a policy

If you take out a policy through a firm we introduce you to, your cancellation rights (including the standard 30-day cooling-off period for pure protection contracts under FCA rules) will be set out in that firm's documents and the insurer's policy terms, not by us.

13. Complaints

If you are unhappy with the Site or our introducer service, please contact us at [complaints email] and we will respond promptly. We aim to resolve complaints fairly and in line with FCA DISP rules where they apply. If we cannot resolve your complaint and your matter is eligible, you may be able to refer it to the Financial Ombudsman Service (financial-ombudsman.org.uk). For online disputes you may also use the EU/UK ODR platform where available.

14. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page shows when they were last changed. Your continued use of the Site after a change means you accept the updated Terms.

15. General

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force. Our failure to enforce a right is not a waiver of it. You may not transfer your rights or obligations under these Terms without our written consent.

16. Governing law and jurisdiction

These Terms, their subject matter and their formation are governed by the laws of England and Wales. You and we both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a consumer resident in Scotland or Northern Ireland you may also bring proceedings in your local courts.

17. Contact us

Questions about these Terms? Email [contact email] or write to us at [registered address].