Terms of Use

1. About fuzzyd.co.uk

fuzzyd.co.uk is maintained and operated by Prudent Plus Limited.

Prudent Plus Limited is registered in England and Wales under company number 10104295.

Our registered office is:

Prudent Plus Limited
Booths Hall
Booths Park
Knutsford
Cheshire
WA16 8GS

References in these Terms of Use to “we”, “us” and “our” mean Prudent Plus Limited unless the context requires otherwise.

References to “you” and “your” mean the person using fuzzyd.co.uk.

2. Our regulatory and introducer status

Prudent Plus Limited acts as an introducer appointed representative of Seopa Ltd, trading as Quotezone.

Seopa Ltd is based at:

Blackstaff Studios
Floor 4
8–10 Amelia Street
Belfast
BT2 7GS

Seopa Ltd is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 313860.

You can check Seopa Ltd's regulatory status using the Financial Services Register.

Where fuzzyd.co.uk provides a link or button inviting you to compare insurance quotations, the comparison service is provided by Seopa Ltd, trading as Quotezone, or by relevant participating providers through that service.

Prudent Plus Limited does not itself provide the insurance quotations displayed through the comparison service.

3. Acceptance of these terms

By accessing or using fuzzyd.co.uk, you agree to these Terms of Use.

If you do not agree with these terms, you should stop using the website.

These terms apply to your use of fuzzyd.co.uk. Separate terms may apply when you follow a link to another website or use a third-party insurance comparison or insurance service.

4. General information only

The information on fuzzyd.co.uk is provided for general informational purposes.

It is intended to help explain common car-insurance situations and questions in plain English. It is not intended to replace:

• your own insurance policy wording;
• information provided by your insurer or broker;
• legal advice;
• financial advice;
• claims advice specific to your circumstances; or
• professional advice where this is required.

Insurance policies vary between insurers and between individual customers. The answer to a question may therefore depend on:

• the wording of your policy;
• the level of cover you selected;
• any exclusions or endorsements;
• information you provided when arranging or renewing the policy;
• who was driving;
• how the vehicle was being used;
• the circumstances of an incident; and
• the insurer's assessment of the facts.

You should not assume that a general answer on fuzzyd.co.uk applies automatically to your own policy or circumstances.

5. No financial advice

Prudent Plus Limited does not provide personal recommendations or financial advice through fuzzyd.co.uk.

We do not assess whether a particular insurance policy is suitable for you.

We do not recommend one insurer or policy over another.

If you use an insurance comparison facility accessed through fuzzyd.co.uk, you are responsible for reviewing the information, price, cover, exclusions, excesses and policy terms before deciding whether to purchase a policy.

6. Insurance quotations

Insurance quotations accessed through fuzzyd.co.uk are provided through third-party comparison and insurance services.

A quotation is not a guarantee that cover will be available.

The price and terms of a quotation may depend on information you provide, including details about:

• you and any other drivers;
• the vehicle;
• your driving history;
• claims and convictions;
• your occupation;
• where the vehicle is kept;
• annual mileage;
• how the vehicle will be used; and
• other information requested by the provider.

You are responsible for providing complete and accurate information when obtaining quotations.

If information is incorrect or incomplete, the quotation may change and it may affect the validity of any policy subsequently purchased.

7. Insurance contracts

If you choose to purchase insurance after using a comparison service, the insurance contract will normally be between you and the insurer or insurance provider named in the relevant documentation.

The insurer's own terms, conditions, policy wording, privacy policy, cancellation rights and claims procedures will apply.

Prudent Plus Limited is not a party to that insurance contract unless you are expressly told otherwise.

8. Claims

Nothing on fuzzyd.co.uk should be interpreted as confirmation that an insurance claim will be accepted or rejected.

Claims are assessed by the relevant insurer under the terms of the policy and according to the circumstances of the incident.

If you have experienced an accident, theft, damage or another event that could give rise to a claim, you should check your policy wording and contact your insurer or broker promptly where appropriate.

Do not delay reporting an incident merely because an article on fuzzyd.co.uk discusses possible alternatives to claiming.

9. Accuracy of information

We aim to provide information that is clear, useful and reasonably accurate at the time it is published.

However:

• insurance products and policy terms can change;
• laws and regulations can change;
• insurers may interpret circumstances differently;
• different policies can provide different cover; and
• information that is correct in general may not apply to your particular circumstances.

We do not guarantee that every page will always be complete, current or applicable to every situation.

Where a decision could affect whether you are insured to drive, whether information should be disclosed, whether you should make a claim or whether a policy is suitable, you should check with the relevant insurer, broker or suitably qualified adviser.

10. External websites and services

fuzzyd.co.uk contains links to websites and services operated by other organisations.

These may include:

• insurance comparison services;
• insurance providers;
• the Financial Conduct Authority;
• the Association of British Insurers;
• the British Insurance Brokers' Association;
• the Financial Ombudsman Service;
• government websites; and
• other information resources.

We provide external links for convenience and information.

Unless expressly stated otherwise, we do not control third-party websites and are not responsible for their content, availability, security, privacy practices or terms.

You should read the relevant terms and privacy information when using another organisation's website.

11. Our relationship with Quotezone

Where we provide access to an insurance comparison service, Prudent Plus Limited introduces visitors to Seopa Ltd, trading as Quotezone.

We may receive commission if a person introduced through fuzzyd.co.uk subsequently purchases an insurance policy through the comparison service.

This does not normally result in an additional charge being made to you by Prudent Plus Limited.

The availability of quotations, insurers, policy features and prices is determined by the comparison service and participating insurance providers rather than by Prudent Plus Limited.

12. Intellectual property

Unless otherwise stated, the text, design, layout, original graphics and other original content on fuzzyd.co.uk are owned by or licensed to Prudent Plus Limited.

You may:

• view pages for personal use;
• print or save reasonable extracts for your own personal reference; and
• link to publicly available pages on fuzzyd.co.uk.

You may not, without our prior written permission:

• copy substantial parts of the website;
• republish articles on another website;
• sell or commercially exploit our content;
• remove copyright or ownership notices;
• present our content as your own; or
• systematically extract or reproduce substantial parts of the site.

Nothing in these terms affects rights that you may have under applicable copyright law, including lawful quotation, criticism or review.

13. Linking to fuzzyd.co.uk

You may link to fuzzyd.co.uk provided that the link is lawful and does not:

• misrepresent your relationship with us;
• suggest that we endorse you, your organisation, product or service where we do not;
• present our website in a misleading context; or
• damage or seek to exploit our reputation.

We may ask for a link to be removed where we reasonably believe it is misleading, unlawful or inappropriate.

14. Acceptable use

You must not use fuzzyd.co.uk in a way that:

• is unlawful or fraudulent;
• interferes with the proper operation of the website;
• attempts to gain unauthorised access to our systems;
• introduces malicious software, viruses or harmful code;
• places an unreasonable load on our servers;
• uses automated systems to interfere with or damage the site; or
• infringes the rights of another person.

15. Website availability

We aim to keep fuzzyd.co.uk available, but we do not guarantee uninterrupted access.

The website may occasionally be unavailable because of:

• maintenance;
• technical problems;
• hosting or network failures;
• security incidents;
• changes to the site; or
• circumstances outside our reasonable control.

We may change, suspend or withdraw part or all of the website where reasonably necessary.

16. Limitation of liability

Nothing in these terms excludes or limits liability where it would be unlawful to do so.

This includes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation or any other liability that cannot lawfully be excluded.

Subject to that, fuzzyd.co.uk is provided primarily as a source of general information.

To the extent permitted by law, Prudent Plus Limited is not responsible for loss arising solely from:

• reliance on general information where you should reasonably have checked your own policy or obtained specific advice;
• changes made by insurers or third-party service providers;
• the contents or availability of third-party websites;
• a quotation being changed, withdrawn or unavailable;
• an insurer accepting or rejecting a claim; or
• temporary interruption of the website.

Nothing in this section affects any statutory rights that cannot lawfully be limited or excluded.

17. Consumer rights

Nothing in these Terms of Use is intended to remove or restrict rights that you have under applicable consumer protection law.

If you purchase an insurance product through another organisation, your rights in relation to that product will depend on the relevant contract, applicable law and regulatory requirements.

18. Privacy and personal information

Our use of personal information is explained in our Privacy Policy.

You should also read the privacy notice of any third-party insurance comparison service or insurer before providing personal information to it.

19. Complaints about insurance services

If your complaint concerns an insurance policy, quotation, comparison service or claim, you should normally raise it first with the organisation responsible for that service.

That may be:

• the insurer;
• the insurance intermediary;
• Seopa Ltd, trading as Quotezone; or
• another provider identified in the relevant documentation.

Depending on the circumstances and eligibility requirements, you may subsequently be able to refer an unresolved financial-services complaint to the Financial Ombudsman Service.

20. Complaints about fuzzyd.co.uk

If you believe information on fuzzyd.co.uk is inaccurate, misleading or otherwise problematic, please contact Prudent Plus Limited so that we can review it.

Email:

21. Changes to these Terms of Use

We may amend these Terms of Use from time to time.

Changes may be made to reflect:

• changes to fuzzyd.co.uk;
• changes to our business or regulatory arrangements;
• changes in law or regulation;
• changes to third-party services; or
• improvements to the clarity of these terms.

The latest version will be published on this page.

22. Governing law

These Terms of Use and your use of fuzzyd.co.uk are governed by the laws of England and Wales.

If you are a consumer resident elsewhere in the United Kingdom, you may also have rights under the laws and courts that apply where you live.

Nothing in these terms is intended to prevent you from exercising any rights that cannot lawfully be excluded.

23. Contact details

If you have a question about fuzzyd.co.uk or these Terms of Use, please contact:

Prudent Plus Limited
Booths Hall
Booths Park
Knutsford
Cheshire
WA16 8GS

Email: